ICICI Bank Mine Credit Card: Everything You Need to Know about Features, Benefits and Rewards

In this age of digital transactions and internet-based shopping, your wallet is likely to contain a piece of plastic in the shape of a credit card. That’s not all, credit cards also come with a lot of benefits which can range from cashback, rewards, travelling benefits, dining offers, etc., available at the swipe of a card. While there is no dearth of credit cards available in the market, the ICICI Bank Mine Credit Card comes across to be a contemporary offering that is tailored to the constantly changing preferences of the young professionals, students and those who prefer a lifestyle filled with benefits.

The ICICI Bank Mine Credit Card is meant for people who want their credit card to suit their lifestyle with curated benefits across categories like daily commute, travel, movies, dining and more. In this blog, we will discuss the detailed features, benefits, eligibility factors, and how does it fare against other competitor credit cards. Let’s dive in!

What is the ICICI Bank Mine Credit Card?

ICICI Bank Mine Credit Card is a new-age credit card that is tailored for the needs of the young millennial and the Indian tech-savvy consumer. On this card, you get rewards in a number of categories like cash back, rewards, travel benefits and dining deals. It also provides the versatility to select between three plans, including Starter, Pro, and Premium that can be determined according to the cardholder’s spending behavior.

It’s not your average purchase-making card, either — the AeroMexico Visa Signature® Card offers a variety of travel, entertainment and lifestyle perks. The ICICI Bank Mine is one of the best credit cards for millennials looking to get the most out of their spending with the ability to earn MineCash (cash back) in several spending categories.

Highlights of the ICICI Bank Mine Credit Card

Flexible Plans to Choose From

ICICI Bank Mine Credit Card Variant Plans
The ICICI Bank Mine Credit Card comes with 3 distinct plans that suit the spending patterns of all:

• Starter Plan: The Starter Plan is perfect for those who do not shop heavily on a monthly basis. Its fee is relatively low, and it still has the basic cash back system.
  
  
• Pro Plan: The Pro Plan is ideal for those who shop occasional, and spend little bit if anything per month. It comes with additional perks and dining deals.
  
  
• Premium Plan: The Premium Plan is fit for big spenders who wish to avail exclusive privileges in the form of additional cash back, free lounge access, and higher reward points.
  
  

There are pros and cons to each of these plans that may help you make a decision about which would be best for you based on your spending habits and lifestyle.

Reward Points and MineCash System

What are the key features of the ICICI Bank Mine Credit Card? The MineCash is a cash back program where customers get points with every purchase they make with their card. Here’s a look at the cashback setup for each plan:

Starter Plan

• Get 1% cashback on all store spend.
  
  
• Get 5% Cashback on partner brands such as Zomato, Swiggy, Ola, BigBasket, Grofers, Gaana, BookMyShow and more.
  
  
• Monthly cashback cap: ₹100
  
  

Pro Plan

• Receive 1% cash back of all retail spend.
  
  
• Get 5% back on partner purchases in store and online on the above brands.
  
  
• Monthly cashback cap: ₹200
  
  
• Bonus features: 1 free domestic rail lounge visit per month.
  
  

Premium Plan

• Get 1% cashback on all retail spending.
  
  
• Get 5.0% back on purchases made with partner brands.
  
  
• Monthly cashback cap: ₹750
  
  
• Other Benefits: 1 Free domestic airport lounge visit/month, 7% off on domestic hotel booking and 4% off on flight booking through Goibibo.
  
  

The MineCash points have multiple redemption methods, which include redeeming for cashback on your statement or turning them into rewards for shopping, dining or travel.

Travel Benefits and Lounge Access

The ICICI Bank Mine Credit Card can be a worthwhile card for those who travel regularly and can add some value to your travel experience with the following benefits:

Domestic and International Lounge Access

• Domestic Railway Lounge Access: Free 1 domestic railway lounge visit per month is granted on the Pro and Premium plans, for a comfortable travel while undertaking an extensive train journey.
  
  
• Airport Lounge Access: 1 Free domestic airport lounge visit per month available on Premium Plan. This perk offers a nice oasis and includes refreshments and Wi-Fi.
  
  
• Also, the Premium Plan includes a Priority Pass membership where you'll receive 4 free trips to any lounges overseas every year (up to 1 trip each quarter). This perk makes the card a stand-out option for international jet setters.
  
  

Fuel Surcharge Waiver

• Waiver of 1% on fuel surcharge, at any petrol pump, anywhere in India, between transaction of ₹500 to ₹4,000.
  
  
• Maximum waiver: ₹500 a statement cycle.
  
  

This feature is great for cardholders who want to save up on fuel spending, making ICICI Bank Mine Credit Card an even better offer.

Dining Offers and Lifestyle Benefits

The ICICI Bank Mine Credit Card not only provides travel benefits, but also includes dining and lifestyle offers, which enables cardholders to receive discounts and benefits while collet a significant number of hands during a lifetime.

• Dining Offers: Cardmembers can enjoy special dining discounts across various restaurants that are participating. This also includes special discounts, deals and offers at restaurants all over India.
  
  
• Partner brands and offers: The 5% cashback offer on leash brands like Zomato, Swiggy, BookMyShow, and BigBasket makes this card really useful for people who often use these services.
  
  
• Shopping and Entertainment Offers: Having the freedom to earn 5% cashback on services, including Amazon, Gaana, and PVR Cinemas makes the card ideal for millenials who are shopaholics and entertainment enthusiasts.
  
  

Why The ICICI Bank Mine Credit Card Excels

Millennial-Centric Rewards and Offers

ICICI Bank Mine Credit Card is tailor-made for millennials and young professionals looking for a flexible, rewarding credit card experience. That the card rewards this demographic, including the 5% cashback on core categories such as spends from food delivery, entertainment and online shopping is not just logical but wise, here presenting them with a product that speaks to them.

Flexibility with Different Plans

All cardholders are not created equal when it comes to how they spend. Some people might have a more hands-off relationship with the card, while others may spend big on dining, entertainment or travel. The Starter, Pro and Premium plans also offer the option of selecting a card plan that suits your spending style.

Travel-Friendly Perks

For globetrotters, ‘ICICI Bank Mine Credit Card’ provides domestic and international lounge access, fuel surcharge waiver and special travel discounts on hotel bookings. Those travel-related perks are hard to beat, especially for such low annual fees.

Reward Redemption for Various Purposes

With the feature to redeem MineCash points as statement credit, for reward catalog items or discount, ICICI Bank Mine Credit Card is very flexible. Card holders can continue to be flexible with redemptions which contributes to the nebulous value of the card.

Eligibility and Application Process

Eligibility criteria for ICICI Bank Mine Credit Card:

• Age: You need to be 21 or older to apply.
  
  
• Income: Faces must have a regular income to support the loan and must earn at least a minimum of ₹25,000 per month.
  
  
• Documents: You would be required to provide identity (Aadhar, Passport etc), address and income (salary slips or bank statements) proof.
  
  

Final Thoughts

ICICI Bank Mine Credit Card is a all-rounder card for millennials and young professionals. It is a great mix of money back rewards, lifestyle privileges and counter benefits at a very affordable price. If you’re a jetsetter, a shopaholic or someone that loves to dine out, this card has your covered.

It offers a custom solution for all types of spending habits, with three flexible plans to choose from, and with the rewards program, you maximize every single purchase. Whether you go for the Starter, Pro or Premium you can enjoy benefits ranging from lounge access and exclusive dining offers to cashback on high street brands.

If you’re on the market for a credit card that matches your urban lifestyle, you should check out the ICICI Bank Mine Credit Card. It delivers ease, rewards, broadcast mean it’s a must have for millennials who want to make their spending work smarter for them.