Deep-Dive Review: ICICI Bank Infinite Credit Card

Community Verdict

[!NOTE] The ICICI Bank Infinite Credit Card is a discontinued lifetime-free Visa card that ICICI Bank no longer sources to new applicants. The official product page returns 404 on the live ICICI Bank site (verified 2026-07-03), and the Wayback Machine has no archived snapshot. Existing cardholders retain the legacy benefits — Lifetime Free (₹0 joining, ₹0 annual, ₹0 renewal), 1 ICICI Reward Point per ₹100 retail (≈ 0.25% return at ₹0.25/point), 1.5% on online spends per Finology Select data, 1% fuel surcharge waiver on ₹400–₹4,000 HPCL transactions, 1 complimentary domestic airport lounge visit per quarter, plus 1 international airport lounge visit per year (no documented spend gate — verify eligibility via iMobile). The “Infinite” name is misleading: rewards economics are entry-level even though the card carries a single international lounge visit per year.

Pros

• Lifetime Free: Zero joining, annual, and renewal fees — no spend-based waiver needed.
• 1 International Airport Lounge Visit per Year: One of the few lifetime-free ICICI cards with international lounge access — useful for one trip abroad per year.
• 1.5% effective rate on online spends: Double the standard retail earn rate on e-commerce transactions (Finology Select data — verify with iMobile statement).
• 1 ICICI Reward Point per ₹100 on offline retail: Standard base earn, redeemable at ₹0.25 per point via statement credit.
• 1% fuel surcharge waiver at HPCL pumps: Small saving on transactions between ₹400 and ₹4,000.
• 1 domestic airport lounge visit per quarter: No documented spend gate — verify eligibility via iMobile.
• Visa global acceptance: Usable anywhere Visa is taken.
• Free add-on card: Available via iMobile.
• Standard ₹50,000 fraud liability cover plus counterfeit-card protection.

Cons

• Card discontinued — not available for new applications: Official ICICI Bank page returns 404; sourcing has been stopped. Wayback Machine has no archived snapshot.
• 0.25% effective retail return is very poor: 1 RP per ₹100 redeemed at ₹0.25/RP = just 0.25%, which is among the lowest base earn rates in the Indian market today.
• ₹99 + GST redemption fee: Redeeming Reward Points through the ICICI catalogue incurs a processing fee; small redemptions (under 400 RP = ₹100) lose money after the fee.
• 36-month point expiry: Unused Reward Points expire 3 years from accumulation.
• Only 1 international lounge per year: The “Infinite” name suggests unlimited access — the actual benefit is just one annual visit, far below HDFC Infinia or Axis Atlas.
• 3.5% forex markup: Useless for international travel even if you only have one annual trip.
• Heavy exclusion list: Fuel, rent, wallet loads, government payments all earn zero Reward Points.
• Cash advance interest 3.5% per month (42% per annum): Not a card for ATM withdrawals.
• ₹500 cash withdrawal fee: Flat charge per ATM transaction.
• No milestone bonuses, no annual vouchers: Unlike ICICI Coral or HPCL Super Saver, there’s no spend-threshold reward.
• No insurance benefits beyond the standard fraud liability cover.
• No premium support / dedicated helpdesk.
• Misleading “Infinite” name: Card is not actually an unlimited-lounge card — that distinction belongs to HDFC Infinia (₹10L annual fee waiver, unlimited Priority Pass).

Reward Spends & Categories

The ICICI Bank Infinite Credit Card earns ICICI Reward Points (worth ₹0.25/point at catalogue redemption):

Category	Earning Rate	Notes
🛒 Offline Retail	1 ICICI Reward Point per ₹100	~0.25% return at ₹0.25/RP
🌐 Online Spends	1.5 RP per ₹100 (Finology data)	~0.375% return at ₹0.25/RP
💡 Utility Payments	0% (Excluded)	—
🛡️ Insurance Premiums	0% (Excluded)	—
🍽️ Dining	No accelerated rate	—
🎬 Movies	No movie benefit	—
🏛️ Government & Tax Payments	0% (Excluded)	—
🏠 Rent Payments (MCC 6513)	0% (Excluded)	—
⛽ Fuel Transactions	0% (1% surcharge waiver ₹400–₹4,000 at HPCL pumps)	—
💳 Wallet Loads	0% (Excluded)	—

[!IMPORTANT] At ₹0.25 per Reward Point, the 1 RP per ₹100 retail earn is just 0.25% effective return. The 1.5 RP per ₹100 online rate (Finology Select data) is slightly better at ~0.375%, but still well below HDFC Millennia (5X on Amazon/Flipkart/Myntra ≈ 1.25%) or Amazon Pay ICICI (5% on Amazon.in for Prime). For most spend profiles, this card is best relegated to a tertiary wallet role.

Reward Point Redemption Value

ICICI Reward Points on Infinite redeem via the Reward Points catalogue (iMobile app / net banking):

• Cash via Statement Credit: 1 RP = ₹0.25 (after ₹99 + GST redemption fee per request)
• Vouchers / Products via Catalogue: 1 RP = ₹0.25 equivalent value
• Air miles / Hotel transfers: Not supported on Infinite — only catalogue redemption

[!IMPORTANT] Best value is redeeming in batches (avoid multiple ₹99 fees) for statement credit or vouchers. There is no airline transfer option on Infinite.

Welcome Benefit & Milestones

[!IMPORTANT]

• Welcome Benefit: None documented on the official ICICI Bank page for Infinite Credit Card.
• Annual Milestone Rewards: None documented.
• Annual Fee Waiver: Not applicable — the card is Lifetime Free (₹0 joining, ₹0 annual, ₹0 renewal).

Airport Lounge & Travel Perks

[!IMPORTANT]

• Domestic Airport Lounge: 1 complimentary visit per calendar quarter at select Indian airports — no spend gate documented (verify eligibility via iMobile).
• International Airport Lounge: 1 complimentary visit per calendar year at select international lounges — no spend gate documented (verify eligibility via iMobile).
• Indian Railway Lounge: Not included.
• Priority Pass: Not provided — only the single annual international lounge via ICICI’s programme.
• Emergency Card Replacement: Available via iMobile.

[!TIP] The “Infinite” name is misleading — this card does NOT include unlimited Priority Pass like HDFC Infinia. For unlimited international lounge access, consider HDFC Infinia (₹12,500 fee waived on ₹10L spend, unlimited Priority Pass) or Axis Atlas (5 international lounge visits/year on annual fee waiver).

Fees & Charges — Snapshot

Fee / Charge	Amount
Joining Fee	Nil (₹0)
Annual Fee (Year 1)	Nil (₹0)
Annual Fee (Year 2 onwards)	Nil (₹0) — Lifetime Free
Add-on Card Fee	Nil
Foreign Currency Markup	3.5%
Cash Withdrawal Fee	₹500 (flat)
Cash Advance Interest	3.5% per month (42% p.a.)
Reward Redemption Fee	₹99 + GST per request
Fuel Surcharge	1% (waived ₹400–₹4,000 at HPCL pumps)
Late Payment Fee	Sliding scale per MITC
Over Limit Penalty	2.5% of overlimit amount (Min ₹500) per MITC
Card Replacement Fee	₹100
Duplicate PIN Fee	Nil
Statement Retrieval Fee	Nil

Indicative Value Chart (₹1.5 Lakh annual spend, existing cardholder)

Category	Annual Spend	Reward / Saving	Notes
Online spends (1.5 RP/₹100)	₹60,000	900 RP → ₹225	After ₹99 fee, net ≈ ₹126
Offline retail (1 RP/₹100)	₹75,000	750 RP → ₹188	After ₹99 fee, net ≈ ₹89
Fuel (1% HPCL surcharge waiver)	₹15,000	—	₹150 saving
International lounge (1/year)	—	—	~₹2,500–₹4,000 value (per-visit cost)
Domestic lounge (4/year)	—	—	~₹1,000–₹1,500/visit value
Annual fee	—	—	₹0 (Lifetime Free)
Net annual benefits	₹1,50,000	₹4,000–₹5,500	~0.27%–0.37% effective return (including lounge value)

[!CAUTION] At ~0.27%–0.37% effective return including lounge value (assuming you actually use the lounges), this card is better than ICICI Gold and Imperial because the annual fee is zero and the international lounge adds real value for occasional travellers. But the rewards economics are still very poor by 2026 standards. Existing cardholders should redeem in big chunks (₹500+ at a time) to amortise the ₹99 fee.

Who Should Get This Card?

Best suited for:

• Existing cardholders continuing to use the card as long as it’s active
• Customers who make exactly 1 international trip per year and want the annual international lounge benefit
• Customers who want a tertiary wallet card with zero fees and quarterly domestic lounge access
• HPCL loyalty customers who want the 1% surcharge waiver as a marginal saving
• Users who will bulk-redeem Reward Points (₹500+ at a time) to amortise the ₹99 fee

Not ideal for:

• New applicants (card is discontinued — official page returns 404)
• Reward maximizers (0.25% effective return is among the lowest in the market)
• Frequent small redeemers (₹99 fee destroys small redemptions)
• Frequent international travellers (only 1 international lounge per year, 3.5% forex)
• Users who want unlimited or unlimited-style lounge access (this card is not that)

The Verdict

[!NOTE] The ICICI Bank Infinite Credit Card is a legacy lifetime-free Visa card that ICICI Bank has quietly discontinued. The official product page returns 404, the Wayback Machine has no archive, and the rewards economics (0.25% retail earn after the ₹99 redemption fee) are uncompetitive by 2026 standards. The single international lounge per year is a nice perk for one annual trip, but the misleading “Infinite” name — there’s nothing infinite about it — makes it confusing alongside HDFC Infinia, which is the real unlimited-lounge card.

The math for it: Spend ₹1.5 Lakh/year across online + offline retail and earn ~₹400 in Reward Points before the ₹99 fee, plus ₹150 fuel surcharge waiver, plus ₹4,000–₹5,500 in lounge value (if you actually use the international + domestic lounges), minus ₹0 annual fee — net ₹4,500–₹6,000 in benefits. That’s a small but real positive return with zero annual fee drag.

The math against it: The 0.25% retail earn rate is ~5x worse than HDFC Millennia base (1.25% on Amazon/Flipkart/Myntra), ~20x worse than Amazon Pay ICICI (5% Amazon.in Prime), and worse than even basic debit-card UPI cashbacks. The ₹99 redemption fee further erodes value on small redemptions. The single international lounge per year is a thin benefit if you travel more than once.

Bottom line: Existing cardholders can keep using it as a tertiary card but should consider upgrading to ICICI Coral (₹500 fee waived on ₹1.5L spend + 2 RP/₹100 retail + BookMyShow + 1 quarterly lounge) or Amazon Pay ICICI (lifetime free + 5% Amazon for Prime) for far better base rewards. For unlimited international lounge access, HDFC Infinia is the only real answer. New applicants cannot source this card.

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Last verified on July 3, 2026. Data based on Finology Select benefit table and 404 confirmation on the live ICICI Bank Infinite Credit Card page.

For ICICI Bank customer support: 1860-120-7777 / creditcards@icicibank.com.

For monetization on the side, apply for any active ICICI Bank credit card via CredSutra — CredSutra earns a referral commission on approved cards at no cost to you. (Note: ICICI Infinite Credit Card itself is not available for new applications.)