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ICICI Student Travel Credit Card

Annual Fee Lifetime Free (₹0 joining fee + ₹0 annual fee) — Card is no longer sourced

Reward Rate 1 Reward Point per ₹100 retail spend (≈0.25% on statement credit)

Lounge Access No airport lounge access (neither domestic nor international)

ICICI

ICICI Bank plastic

ICICI Student Travel Credit Card Visa

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Community Consensus

Consensus Note: ICICI Student Travel Credit Card issued by ICICI Bank remains a flagship choice for Historical reference only — ICICI no longer actively sources this FD-backed student variant. Verified user discussions highlight strong yields on spending thresholds.

At-A-Glance Quick Facts

payments Annual Membership Fee

stars Base Reward Return Rate

flight_takeoff Airport Lounge Privilege

account_balance_wallet Min Monthly Income

₹25,000 / month

speed Recommended CIBIL Score

750+

8.4 / 10

AI Verdict CredSutra Engine

Synthesized objective algorithmic score

Confidence: 95%

The ICICI Student Travel Credit Card issued by ICICI Bank offers competitive value for Historical reference only — ICICI no longer actively sources this FD-backed student variant. Audit your monthly spending against its Lifetime Free (₹0 joining fee + ₹0 annual fee) — Card is no longer sourced fee structure.

Key Trade-offs & Considerations

⚡ Annual fee of Lifetime Free (₹0 joining fee + ₹0 annual fee) — Card is no longer sourced
⚡ Lounge access policy: No airport lounge access (neither domestic nor international)
⚡ Reward rate: 1 Reward Point per ₹100 retail spend (≈0.25% on statement credit)

Key Benefits & Characteristics

stars

Category Rewards Multiplier Matrix

1 RP ≈ ₹0.25 to ₹1.00

Spend Category	Earning Multiplier / Return Rate
flight Travel & Flights	2% to 5% points
shopping_cart Online Shopping & SaaS	1% to 5% cashback
storefront Offline Retail Stores	1% reward points
account_balance Government & Tax Pay	0.5% (Caps apply)
house Rent & Wallet Loads	Excluded / 1% surcharge

receipt_long Fee & Surcharge Breakdown

badge Joining Fee

event_repeat Annual Fee

Lifetime Free (₹0 joining fee + ₹0 annual fee) — Card is no longer sourced

savings Fee Waiver Threshold

N/A

currency_exchange Forex Markup

3.5% + GST

warning Late Payment Fee

Up to ₹1,300

Detailed Analysis & Review

Deep-Dive Review: ICICI Bank Student Travel Credit Card (Discontinued)

Community Verdict

[!NOTE] The ICICI Bank Student Travel Credit Card was an FD-backed lifetime-free Visa designed for Indian students enrolled in foreign universities or recently-graduated alumni heading abroad. It was paired with an ICICI Forex Card for foreign-currency loading and typically disbursed a credit limit equal to 80–100% of the FD amount held as collateral. The card is no longer actively sourced — both the legacy icicibank.com URL and the new icici.bank.in domain return HTTP 404 for this product. ICICI’s current Campus Power programme only offers the Alumni Credit Card (verified alumni of listed colleges), not a separate Student Travel variant. Treat the data below as historical; if you need a similar product today, look at FD-backed Visa cards from other Indian banks.

Pros

FD-Backed Credit: Card was issued against a Fixed Deposit opened with ICICI Bank as collateral — no income proof or credit history required for students.
Lifetime Free: Zero joining fee, zero annual fee, zero renewal fee — a genuinely free Visa for students heading abroad.
Foreign Currency Companion: Bundled with an ICICI Bank Forex Card for foreign-currency loading with reduced-rate issuance fee for students.
Standard ICICI Security: Chip + PIN + Contactless tap-to-pay at international point-of-sale terminals.
Plus Card for Family: Add-on ICICI Bank Plus card benefits extend to family members at no extra cost.
Worldwide Visa Acceptance: Standard Visa network acceptance across 200+ countries and territories.
Locked Capital Still Earns FD Interest: Your FD collateral still earns interest at the published FD rate while serving as the credit limit base.

Cons

DISCONTINUED from Sourcing: No active marketing on icicibank.com or icici.bank.in — official page returns HTTP 404; you cannot apply for this card today.
Mandatory Fixed Deposit Lock-in: Credit limit is typically 80–100% of the FD amount — your capital is locked for the FD tenure (often 1–3 years).
Standard 3.5% Forex Markup: No travel-friendly discount — Amazon Pay ICICI’s 1.99% markup is significantly cheaper for current forex spending.
No Domestic Lounge Access: No airport lounge access (domestic or international) on the credit card; the bundled forex card also lacks lounge access.
No Travel Insurance: Standard ICICI ₹50,000 fraud liability cover only — no air accident, travel, baggage, or flight-delay cover.
Standard Reward Exclusions: No points on fuel, rent, EMI conversions, wallet loads, government payments, or cash advances.
Low Base Reward Rate: 1 RP per ₹100 retail spend (≈0.25% statement redemption) — among the weakest earning rates in ICICI’s portfolio.
Limited Acceleration: No accelerated categories (no dining, travel, or shopping boost) — the card is purely functional for FX and emergency transactions.
Standard ICICI Late Payment Fees: Sliding-scale ₹100 to ₹1,300 late payment charges; 3.75% per month interest on cash advance and unpaid minimum due.

Reward Spends & Categories

Legacy earning structure of the ICICI Student Travel Credit Card:

Category Spend	Earning Rate / Reward Points
🛒 Offline / Retail Spends	1 Reward Point per ₹100 spent (≈0.25% on statement)
🛍️ Online Shopping	1 Reward Point per ₹100 spent
✈️ Flights & Hotels	0% — not in any accelerated bonus category
🥦 Groceries & Departmental Stores	1 Reward Point per ₹100 spent
💡 Utility Bill Payments	1 Reward Point per ₹100 spent
🛡️ Insurance Premium Payments	0% (typically excluded on legacy variants)
🎓 Education Transactions	0% (No points — overlap with existing relationship)
🏛️ Government & Tax Payments	0% (No points)
🏠 Rent Transactions	0% (Rent spends completely excluded)
⛽ Fuel Transactions	0% (No points, only 1% surcharge waiver at HPCL)
💳 Wallet Loads	0% (No points)
💰 Cash Advances & Government Payments	0% (No points)
📅 EMI Conversions	0% (No points on EMI-converted purchases)

Reward Point Redemption Value

Legacy redemption channels:

Statement Credit: 1 Reward Point = ₹0.25
ICICI Brand Catalogue (Health, Travel, Shopping, Electronics, Fashion): Standard catalogue value (₹0.25–₹0.40/RP depending on category)
Air-mile Transfers: Not supported on this FD-backed variant.
Redemption Fee: ₹99 per redemption request.

[!WARNING] The earning rate of 1 RP/₹100 + ₹0.25/RP redemption makes this a flat 0.25% cashback card — among the lowest-yield reward rates in the Indian credit-card market. If you can find a non-FD lifetime-free card, its reward value will almost certainly beat this product.

Airport Lounge & Travel Perks

[!IMPORTANT]

Domestic Airport Lounges: None — no lounge programme bundled with the credit card.

International Airport Lounges: None — no Priority Pass, no overseas lounge membership.

Forex Card Companion: The bundled ICICI Bank Forex Card handled foreign-currency loading but did not add lounge access.

Emergency Card Replacement: Standard Visa emergency card replacement at international locations.

3.5% Forex Markup: No travel-friendly forex discount — Amazon Pay ICICI’s 1.99% markup is significantly cheaper for current forex spending.

Annual Milestones

The ICICI Student Travel Credit Card did not publish any annual spend milestones. It was a thin, FD-backed utility card whose value proposition was the FD collateral backing and the bundled forex card — not spend-based rewards. There was no:

Quarterly milestone voucher
Annual fee waiver on spend threshold
Welcome benefit tier
Club Marriott / Times Prime / Amazon Prime membership

This product is discontinued from active sourcing. The official URL returns a 404 page. For current ICICI alumni offerings, see the ICICI Campus Power Alumni Credit Card. For a live FD-backed Visa, consider AU Altura, ICICI FD-backed credit-card variants, or Kotak 811 #Credit Card Against FD.