Credit Card Compare

ICICI Bank Parakram Credit Card

Data last updated 25 October 2026
45.00%
Purchase rate
₹0
Annual fee
48 days
Interest-free

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Application

CardIQ

48Fair

Fair

Overall score, out of 100 · How this works

  • Airport lounge43
  • Lifetime free63
  • Rewards35
  • Travel52

Customer reviews

No reviews yet. Be the first to review the ICICI Bank Parakram Credit Card.

Pros & cons

What's good

  • No annual fee.
  • Complimentary airport lounge access (4 visits a year).
  • Earns 5 reward points per ₹100 on bonus categories.

Worth noting

  • Joining fee Nil; Annual fee Nil. GST at 18% applicable on fees and charges. No spend waiver applicable (NA).
  • Earns 1 reward point per ₹100 on everyday spend, below the dataset average.
  • No balance transfer or introductory purchase offer.
  • Up to 48 interest-free days on purchases (below the 50-day median).

Card details

The basics

Additional cardholder fee
₹199 p.a.
Card tier
Not published
Card type
Not published
Card use
Personal
Credit limit
Not published
Credit rating
Not published
Rewards program
ICICI Bank reward points

Eligibility

Instant approval
Not published
Joint application
Not published
Minimum age
21 years old
Minimum income
Not specified
Residency
Indian citizen; Indian Defence and Paramilitary personnel
Temporary residents
Not published

Rates & fees

Ongoing interest rates

Cash advances
45.00% p.a.
Purchases
45.00% p.a.

Fees

Additional cardholder fee
₹199
Annual fee
No annual fee
Cash advance fee
2.5% of the amount
Foreign transaction fee
3.5%
Late payment fee
₹1,300
Over limit fee
₹550

Repayments

Interest-free period
Up to 48 days on purchases
Minimum repayment
5% of the outstanding amount or such other amount as may be determined by ICICI Bank at its sole discretion

Balance transfers

This card has no promotional balance transfer offer.

Introductory purchase offer

This card has no introductory purchase rate offer.

Rewards

Earn rate

Everyday spend
1 reward point per ₹100
Bonus categories
5 reward points per ₹100 in bonus categories
Other purchases
None
Overseas spend
None
Reduced rate above monthly cap
None
Points cap
Uncapped
Points expiry
—

Sign-up bonus

Bonus spend required
—
Sign-up bonus
—

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

Annual fee₹0Tied for best (1st of 91 cards)
Purchase rate45.00%Top 25% (21st of 91 cards)
Overseas fee3.50%Better than most (33rd of 91 cards)
Rewards value₹1,350 a yearNot as good as most cards (42nd of 61 cards)
Interest-free days48 daysNot as good as most cards (54th of 73 cards)

Data as at October 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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Sources

Credit Card Compare
Australian credit card statisticsHow CardIQ scores cards
Issuer
ICICI Bank