ICICI Bank Classic Business Card
KeepOffice furniture, stationery and 48 days to pay for them.
no published fee to price it against
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Not valued. We can't value this card until the issuer publishes a fee — every net-value number here would be wrong by exactly the fee we can't find. Everything we can source — the earn rate, the transfer routes, the lounge doors — is above and stands on its own; this card is simply not on the board, not in the calculator, and cannot win a best-of call until ICICI Bank publishes a fee schedule we can cite.
Why we decline to value some cards, and what it takes to change that →
2 notes on the card itself: how it is issued · why it ranks #936
Why #936 The junior third of ICICI's old Classic / Gold / Platinum business trio, and the only one that did not survive: its two siblings still have rows in the bank's live business MITC and this one does not. Carried, not ranked — ICICI priced its entry and never its renewal.
ICICI Reward Points earned on a business card exit into a catalogue, not into an airline: the page names "office supplies, dinner vouchers, fuel vouchers, personal accessories or gift items" and nothing else. That is the ₹0.25 catalogue rate, a quarter of the ₹1.00 house value this currency reaches on iShop travel from the top of ICICI's consumer shelf, and it is why a 1-per-₹200 headline lands at an eighth of a per cent.
The take
ICICI ran three business cards in a row for years — Classic, Gold, Platinum — and two of them are still in the bank's live fee schedule. This is the one that is not. It was the entry rung, and its pitch is a period piece in the best way: "You can now use your business card to pay for your office furniture, computer peripherals, stationery or business travel", earning "upto 48 days of interest-free credit". Discounts were promised on office supplies, restaurant bills, air tickets, business services, corporate gifts and lifestyle items, though ICICI named no partner and no rate for any of them. The concrete terms are thin and honest: an eighth of a per cent back into a catalogue of office supplies and fuel vouchers, a 2.5% fuel surcharge that fell to zero at select HPCL pumps, and 3.40% a month on revolving credit — the same rate the Gold Business Card carried and a full 0.65 points above what Platinum Business charged on the same schedule. That interest gap is the real difference between the rungs, more than any reward was. What ICICI never published is the renewal cost. Its schedule of the day prices the ENTRY of all three cards at nil and then simply has no annual-fee line at all, and the bank's current business Key Fact Statement — which does carry a two-column joining-and-annual table — lists seven variants without this one among them. So the card is carried with a rate, a set of charges and no running price, which is the honest shape of a product whose issuer stopped describing it. If you want the same benefit today, the Gold Business Card is the direct descendant and it is genuinely free on both columns.
Your renewal — keep, downgrade or cancel
There is no renewal arithmetic to run on this card yet — and a break-even we cannot source is not one we will print.
the whole desk — what changed, the downgrade, and what we cannot price →
Keep, downgrade or cancel
what we can and cannot price
Not valued. We can't value this card until the issuer publishes a fee — every net-value number here would be wrong by exactly the fee we can't find. A break-even is the spend at which value crosses a fee, and we are short one side of that sentence — so this desk prints no ladder, no crossing and no ₹0 standing in for either. What we can source about this card is under Sources.
Your copy of this card
You hold this card.
Kept on this device, in your browser. It is never sent to us, never synced, and nothing else on the site reads it yet.
The downgrade
ICICI Bank publishes no document naming a card you can step down to, so we name none — an invented product change is a phone call you would waste. That leaves keep or cancel, and we cannot price either side of it.
What has changed under this card
- 23 Sep 2026 Axis EDGE brings Accor back, drops ITC, and adds Cathay, Miles & More and Hilton a program these points reach
- 10 Sep 2026 ICICI's September lounge list drops four doors and adds Bhogapuram issuer-wide
- 29 Aug 2026 ICICI un-reserves Mumbai's Adani Silver lounge — the whole Annexure-1 board gets in issuer-wide
We price what is in force today — a change that has not happened yet is not in these numbers. the full archive for this card →
If you call to cancel
What the bank offers to keep you is the one fact this desk cannot compute. We are collecting those reports — dated, and only in aggregate — before publishing any: an offer one reader was made is not one you are owed. Called about this card? Tell us what they offered →
The desk publishes subscribable .ics feeds for the dates it knows — offer deadlines, devaluations, expiry audits. Your renewal date is not one of them: only your statement knows it.
What's good
- Up to 48 days of interest-free credit on office furniture, computer peripherals and stationery
- Fuel surcharge waiver of 2.5% at select HPCL pumps
- Points redeemable against office supplies, dinner vouchers, fuel vouchers and gift items
- Utility bill payment, and mobile and e-mail statement alerts
Watch out
- Withdrawn — ICICI's live business Key Fact Statement lists seven variants and this is not one of them
- The renewal cost was never published: the schedule of the day priced entry and had no annual-fee line at all
- Revolving credit ran at 3.40% a month — the same as Gold Business and well above Platinum Business's 2.75% on the identical schedule
- The points exit into a catalogue at a quarter of what this currency is worth from the top of ICICI's consumer shelf
- ICICI promised discounts on office supplies, air tickets and business services and named no partner and no rate for any of them
- The fuel waiver only reached zero at SELECT HPCL pumps; everywhere else the 2.5% surcharge stood
What these points actually fly
ICICI Reward Points move to Air India Maharaja Points and iShop (ICICI travel portal) — and those price every award dynamically. There is no published chart to quote, so we quote nothing: an estimate is not a seat.
what the cards that DO reach a chart can fly — 2,196 corridors priced →
Lounge access
0 of 793 tracked doors
No lounge access. This card opens exactly 0 of 793 tracked lounge doors — board with the crowd, or find a card that doesn't →
Can you get it?
the route in — no cutoffs published
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Closed to new applications — existing cardholders keep the card; there is no way in.
You cannot. ICICI's live business Key Fact Statement prices seven business variants — Business Advantage Black and Blue, Platinum Business, American Express Business Ascent and Business Essential, Gold Business, and Business Micro Credit — and the Classic Business Card is not among them. Its two former shelf-mates are: the Gold Business Card is free on both columns and is the closest living equivalent.
ICICI Bank publishes no income or age cutoffs for this card. Blank means blank — we don't invent numbers to fill a grid.
no MITC row researched for this card yet · filter the board by what you can get →
What's changed for this card
8 dated changes
Devaluations and buffs that touch this card directly, its issuer, or the points and programs it earns and transfers to. Every one is dated here; the tracker carries each one's before → after and the write-up.
- 23 Sept 2026Axis EDGE brings Accor back, drops ITC, and adds Cathay, Miles & More and HiltonAccor and Marriott off the grid since 2 April 2026; Club ITC live; no Cathay, Miles & More or Hilton → Accor live at the punished rates; ITC removed; Cathay, Hilton and Miles & More live; Marriott still gone
Axis's own Travel EDGE terms, re-read 25 September 2026, already show the grid that went live on 23 September. Accor ALL is back, and not at the old Atlas 1:2: EDGE Miles convert at 2:1 (Olympus 1:2) and EDGE Rewards at 5:1, with Magnus for Burgundy at 5:2 and only Burgundy Private still at 5:4. Club ITC is off the table. Three partners are new. Cathay Asia Miles sits on that same punished grid. Hilton Honors is the ordinary one: EDGE Miles 1:2, EDGE Rewards 5:2, Burgundy 5:4. Lufthansa Miles & More is the exception on Atlas, which converts 1:1 there while every other standard airline on that card is 1:2; the EDGE Rewards side of Miles & More is the ordinary 5:2. Marriott stays removed. Qatar Privilege Club was already back. Flying Blue, Air India and Qantas moved into Group A, which is the capped group. The Axis Rewards credit card's Amex network is advertised as joining-fee and annual-fee nil for a limited period; there is no separate Amex variant on this board, so that offer is not modelled as a fee change.
- 10 Sept 2026ICICI's September lounge list drops four doors and adds Bhogapuram
- 29 Aug 2026ICICI un-reserves Mumbai's Adani Silver lounge — the whole Annexure-1 board gets in
- 25 Aug 2026Vietnam Airlines Lotusmiles opens a broad SkyTeam status match — up to Elite Plus
- 20 Aug 2026IHG Hotels & Resorts becomes a Maharaja Club earning and conversion partner
- 6 Aug 2026MaxCoins' full transfer catalogue surfaces — Accor at 2:1 re-prices the coin to ₹1.08
- 3 Aug 2026SBI drops Etihad Guest from the MILES transfer table — the last SBI door into the programme
- 2 Aug 2026Flipkart SuperCoins into Maharaja Club improve to 2:1
Every ICICI Bank change we've dated → 10 events since 2019, 7 of them nerfs — worst year 2026.
Verified against ICICI Bank's own documents on
Not published , and we will not invent it: the annual fee.
Every document behind this page — 3 of them, each with the day we read it
- official ICICI's own Classic Business Card features page (archived 17-Mar-2012) — the 48-day interest-free period, the HPCL fuel waiver, the 3.40% revolving rate and the catalogue accrual
- official ICICI's business fee schedule of the period (archived 22-Nov-2013) — it prices this card's entry at nil and carries no annual-fee line at all, for any card on it
- official ICICI's live business MITC and Key Fact Statement — a two-column joining-and-annual table listing seven variants, with no row for this card