Are you looking for a credit card that offers unique features and benefits? If yes, you might have come across the ICICI Bank Mine Credit Card.
This credit card has been designed keeping in mind the needs of millennials who love to shop and spend online. In this article, we will review the ICICI Bank Mine Credit Card and see if it lives up to its promises.
Introduction
ICICI Bank Mine Credit Card is a new offering from the ICICI Bank stable. It is a credit card that is specifically targeted at millennials who love to shop and spend online. This credit card comes with a host of features and benefits that are unique and different from other credit cards in the market. Let’s dive deeper and review the features and benefits of the ICICI Bank Mine Credit Card.
Read Also: ICICI Rubyx Credit Card
Key Features
1. No Annual Fee
The ICICI Bank Mine Credit Card comes with no annual fee, which means you don’t have to pay any fee to use this credit card. This is a great benefit as many credit cards charge an annual fee, which can be a burden on the pocket.
2. Welcome Benefits
On getting the ICICI Bank Mine Credit Card, you get welcome benefits worth Rs. 10,000. These benefits include gift vouchers, cashback, and discounts from various popular brands.
3. Cashback on Online Spends
The ICICI Bank Mine Credit Card offers cashback on online spends. You get 5% cashback on shopping on Amazon, Flipkart, and Myntra, and 2% cashback on other online spends. This feature makes it an ideal credit card for those who love to shop online.
4. Fuel Surcharge Waiver
The ICICI Bank Mine Credit Card offers a fuel surcharge waiver of 1% on fuel transactions done at any petrol pump across India. This feature can save you a lot of money on fuel transactions.
5. Dining Benefits
The ICICI Bank Mine Credit Card offers dining benefits where you can get discounts on dining at select restaurants. This feature is great for those who love to dine out.
6. Contactless Payment
The ICICI Bank Mine Credit Card comes with a contactless payment feature, which allows you to make payments without swiping your card. You just need to wave your card over the contactless reader to make a payment.
Read Also: ICICI Coral Credit Card Review
How to Apply
To apply for the ICICI Bank Mine Credit Card, you can visit the ICICI Bank website and fill in the online application form. You will need to provide your personal and financial details, and your application will be processed after verification.
Pros and Cons
Pros
- No annual fee
- Welcome benefits worth Rs. 10,000
- Cashback on online spends
- Fuel surcharge waiver
- Dining benefits
- Contactless payment
Cons
- Limited cashback benefits
- High interest rates on outstanding balances
- Limited acceptance outside India
Read Also: ICICI Credit Card Apply
ICICI Bank Mine Credit Card Benefits in Details
As I told you earlier that icici bank mine credit card is slightly different from other credit cards! And this credit card has been specially designed keeping the youth in mind.
Icici bank mine credit card card is life time free credit card!
But you get to see 3 types of membership plans in this credit card! And you have to pay for these 3 plans!
3 plans are different! And the plan in which you get more charges! You get to see the same benefits accordingly!
Means a very good line, you must have heard that as you put ghee, you will get the taste! There is a difference between some such offers and benefits. Can be seen between all three of their plans!
Below you will find all the three plans of this credit card and what are their benefits? I have explained in detail!
- Starter (Rs 0 per month)
- Pro 49 (Rs 49 per month)
- Premium 149 (Rs 149 per month)
What offers and benefits do you get to see in these plans! I have explained below
Read Also: ICICI Amazon Credit Card
Starter –
Whenever you take this credit card! Then if you do not take any of their membership plans! Then you get this plan by default!
In which no charges are taken from you!
You get to see some such offers and benefits in this plan!
- If you spend any retail with this credit card! Then you get 1% cashback!
- In Icici bank’s mine credit card, you get fuel surcharge only at hpcl’s petrol pump!
- Under this plan you get an offer named every day delights! In which offers related to travel and lifestyle are available! Like grocery, food, fashion, and e market place
- But you cannot earn more than Rs.100 cashback every month with this credit card!
2 . Pro 49 –
In this plan you are charged Rs 49 every month! And in this plan you get to see some such offers and benefits.
- In this plan you get to see 1% cashback! on all retail spend
- You get up to 5% cashback on select brands! You get up to 5% cashback on all these brands like amazon prime, book my show, big basket, ola pvr, swiggy, zomato, gana, grofers, inox !
- You also get to see the benefits of the Railway Lounge once a month!
- You get fuel surcharge wavier at all Hpcl petrol pumps only!
- You get a 7% discount! And you can get a maximum discount of up to Rs.5000! If you book any hotel with this credit card! This is only available on domestic hotel bookings!
- Get 4% off! If you book air tickets from goibibo with this credit card ! And you cannot take advantage of more than Rs.600 discount through this offer!
- In this plan also you get to see every day delights offer! In which you get good offers on grocery, fashion, food and e-marketplace!
- If you spend 1 0 thousand rupees every month with this credit card ! Then you don’t get charged for this plan next month!
- Note that you cannot earn more than Rs.200 cashback every month under this plan!
3. Premium 149 –
In this plan you have to pay a fee of Rs 149 every month! Whatever benefits you get in premium 149! I told you below!
- Whatever retail you spend with this credit card! You get 1% cashback in that!
- Plus you get to see up to 5% cashback on select brands! Which is Amazon, Amazon Prime, Bigbasket, book my show, Grofers, inox, make my tripe, zomato, pvr, swiggy, you get to see up to 5% cashback on all these brands!
- You get to see fuel surcharge at hpcl’s petrol pump!
- If you do domestic hotel booking with this credit card! Then you get a discount of 7% and you cannot get a discount of more than Rs.5000 under this offer!
- Get 4% Discount! If you book air tickets from goibibo with this credit card! Under this offer, you can avail a maximum discount of Rs.600 only!
- You also get every day delights offer in this plan! So that you get to see good offers in all these categories like travel, food, fashion, grocery!
- In this credit card, you get 6 months subscription of mindhouse app!
- If you spend 20000 rupees a month with this credit card ! Then you don’t get charged for this plan next month!
- With this credit card, you cannot earn more than Rs.750 cashback per month under this plan!
So you get to see some such offers and benefits in all these three plans of icici bank mine credit card!
Conclusion
The ICICI Bank Mine Credit Card is a great offering from ICICI Bank, especially for millennials who love to shop and spend online. It comes with a host of unique features and benefits that make it stand out from other credit cards in the market.
However, it is important to note that the card has limited cashback benefits and high-interest rates on outstanding balances. It also has limited acceptance outside India. If you are a millennial who loves to shop and spend online, the ICICI Bank Mine Credit Card can be a great option for you.
If I tell you my personal experience about this credit card, then all the offers of this credit card are very good! But you are given a cashback limit in all plans!
Which doesn’t seem right to me! And if I tell you about this credit card, I did not like this credit card! And better than this is their icici bank amazon credit card!
Which offers and benefits of this credit card did you like the most? Be sure to comment below!
Also if you have any question related to credit card! So comment below and I will answer all your questions!