ICICI Bank Unifare Credit Card Review 2026: Metro Benefits & Fees

Get 10-15% off Metro fares with ICICI Unifare Credit Card. Features auto-recharge, 4x rewards on transit, and low annual fees. Is it right for your commute?

Vyaya Team · Mar 2026

5 min read

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Value Score

6.5 / 10

Annual Fee

₹299

Best For

Daily Metro Commuter

Network

Mastercard

Expert Verdict

REWARD SUMMARY

0.25% Base Rewards
The dual-purpose card for your daily commute and lifestyle spends.

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The Bottom Line

The ICICI Bank Unifare Credit Card is a niche product designed specifically for urban commuters. It excels at providing a seamless transit experience but offers limited value for high-end lifestyle or travel needs. With a ₹299 annual fee that is waived on ₹50,000 yearly spend, it offers metro fare discount and 0.25% base rewards. For anyone researching icici bank unifare credit card, the verdict is simple: conditional.

It earns a base reward rate of 0.25% and stacks best when your spending lines up with Daily Metro Commuter. The renewal fee gets easier to justify once you can hit ₹50,000 in yearly spend.

What we like

+Dual-purpose card acting as both a credit card and a Metro Smart Card

+Auto-recharge facility of ₹200 when balance falls below threshold

+Up to 15% discount on Metro travel fares (varies by city)

+Accelerated 4 reward points per ₹100 on auto-recharge transactions

+Low annual fee with an easy waiver at ₹50,000 annual spend

What we don't

–No airport lounge access or travel insurance benefits

–Reward rate is relatively low for non-transit spends

–City-specific variants limit utility if you move between metros

Who Should Get This Card

Use this as a quick filter before comparing rewards or fees in detail.

Best fit for

Ideal

Daily Metro Commuter

Saves time with auto-recharge and money with direct fare discounts in Delhi, Mumbai, or Bangalore.

Best value above ₹5,000/month

Probably not for

Skip

–

Frequent Flyer

Lacks lounge access and air mile conversion features.

Is It Worth It For You?

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Reward Rates

ICICI Bank Unifare Credit Card offers 0.25% basic reward rate.

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Where

Amount

₹

Flat 0.25% on all spends

Fees & Charges

Joining fee₹299

Annual fee₹299

Fee waiverSpend > ₹50,000

Eligibility

Min Income: ₹3 Lakhs
Min Credit Score: 700
Available for salaried and self-employed Indian residents aged 18-65 years.

Exclusions & Terms

Fuel

Fuel transactions are excluded from reward point earnings.

Frequently Asked Questions

2 data-backed answers from our card database

How does the auto-recharge work?+

When your Metro chip balance falls below ₹100 (Delhi/Bangalore) or ₹50 (Mumbai), the card automatically recharges ₹200 at the entry gate, which is then billed to your credit card statement.

What is the reward rate for this card?+

You earn 2 ICICI Bank Rewards points per ₹100 on general spends and 4 points per ₹100 on Metro auto-recharge transactions.

Ready to apply?

₹299 fee. Excellent rewards. Apply now securely.

Apply on ICICI Bank →

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