ICICI Mine Credit Card 2025
2% Cashback Everywhere
10% Swiggy
Milestone Rewards
₹999 Fee
Save over ₹8,000+ every year with 2% everywhere + 10% Swiggy + milestones!
Best flat cashback card! ICICI Mine gives 2% cashback on all spends, 10% on Swiggy, milestone vouchers, and easy fee waiver.
Perfect for simple cashback lovers!
Why Choose ICICI Mine in 2025?
2% everywhere • 10% Swiggy • Milestone vouchers • Fee waiver • Dining offers
Best for: Cashback seekers, food delivery users, simple rewards
Card At a Glance
Joining Fee
₹999
₹999
Annual Fee
₹999 (Waived on ₹1.5L)
₹999 (Waived on ₹1.5L)
Cashback Rate
2% Everywhere
2% Everywhere
Lounge Access
None
None
Forex Markup
3.5%
3.5%
Milestone Gift
₹1,500 Voucher
₹1,500 Voucher
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | ₹999 |
| Annual Fee | ₹999 (Waived on ₹1.5L spends) |
| Cashback | 2% All Spends | 10% Swiggy |
| Forex Markup | 3.5% + GST |
| Interest Rate | 3.6% per month |
| Fuel Surcharge Waiver | 1% (up to ₹400) |
| Cash Advance Fee | 2.5% of amount |
Detailed Reward Rates (2025)
- 2% cashback on ALL spends
- 10% cashback on Swiggy, Swiggy Instamart
- Milestone: ₹1,500 voucher on ₹1.5L spends
- Easy fee waiver on ₹1.5L
- Cashback as iShopCoins (1:1 value)
Airport Lounge Access
No complimentary lounge access
Insurance & Protection Benefits
- ₹1 Lakh purchase protection
- Zero lost card liability
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| 2% EVERYWHERE | No lounge access |
| 10% Swiggy cashback | ₹999 fee (waivable) |
| Easy fee waiver | 3.5% forex markup |
| Milestone vouchers | iShopCoins redemption |
| Low income requirement |
Eligibility Criteria & Documents Required
- Age: 18–70 years
- Minimum Annual Income: ₹3 Lakh
- Credit Score: 700+ preferred
- Documents: PAN, Aadhaar only
How to Apply Online (3-Minute Process)
- Visit ICICI Bank website
- Select Mine → Apply
- Fill basic details
- Video KYC (1 minute)
- Card in 7 days
Final Verdict – Should You Get It in 2025?
Best 2% flat cashback! Everywhere + 10% Swiggy + easy waiver = ₹8,000+ value. Perfect for simple cashback!
Frequently Asked Questions (FAQs)
2% on ALL spends?
Yes! No exclusions.
10% Swiggy guaranteed?
Yes! + Instamart included.
Easy fee waiver?
Yes! ₹1.5L annual = fee waived.
Milestone voucher?
Yes! ₹1,500 on ₹1.5L spends.
Easy approval?
Yes! ₹3L income sufficient.