ICICI Bank Signature Credit Card Review 2026: 8% Rewards & Fees
Detailed review of ICICI Bank Signature Credit Card. Learn about the 30,000 welcome points, 10 points per ₹100 reward rate, golf perks, and lounge access rules.
The ICICI Bank Signature Credit Card is a legacy premium offering that stands out for its massive 8% base reward rate. While the ₹25,000 joining fee is steep, it is largely offset by the welcome points, making it a powerful tool for high-volume spenders who value direct reward value over complex travel perks.
Experience a world of hand-picked rewards and exclusive privileges.
The Bottom Line
The ICICI Bank Signature Credit Card is a legacy premium offering that stands out for its massive 8% base reward rate. While the ₹25,000 joining fee is steep, it is largely offset by the welcome points, making it a powerful tool for high-volume spenders who value direct reward value over complex travel perks. With a ₹2,000 annual fee that is waived on ₹50,000 yearly spend, it offers 30,000 bonus points and golf privileges. For anyone researching icici bank signature credit card, the verdict is simple: conditional.
It earns a base reward rate of 6.4% and stacks best when your spending lines up with high-spender, golf-enthusiast. The renewal fee gets easier to justify once you can hit ₹50,000 in yearly spend.
Who Should Get This Card
Use this as a quick filter before comparing rewards or fees in detail.
Best fit for
IdealThe 8% base reward rate provides exceptional value for those with high monthly retail spends.
Complimentary monthly golf rounds are a significant perk for active players.
Probably not for
SkipThe high joining fee and spend-based lounge/golf criteria make it inefficient for low spending.
Is It Worth It For You?
Slide to your typical monthly card spend. We'll do the rest.
Calculate Your Value
Adjust your typical monthly spend by category.
Spend ₹50,000 more to waive annual fee
Sign in for personalized estimates based on your actual spending
Reward Rates
ICICI Bank Signature Credit Card offers 6.4% basic reward rate.
Quick Calculator
Estimate earnings for a specific purchase
Welcome Offer
Milestone Benefits
1 complimentary round of golf Requires ₹1 Lakh spend in the previous month.
Fees & Charges
Eligibility
- Min Income: ₹12 Lakhs
- Min Credit Score: 750
- Primarily offered to high-net-worth individuals and existing premium banking customers. Requires a stable income source and a good credit history.
Exclusions & Terms
Fuel
- Fuel transactions are eligible for surcharge waiver but do not earn reward points.
Rent
- Rent payments are excluded from reward point accrual as per latest ICICI policy.
Insurance
- Reward points on insurance payments are capped at ₹80,000 per month for premium cards.
Compare with Alternatives
Frequently Asked Questions
3 data-backed answers from our card database