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Joining fee

Rs 2,000 + GST

Annual fee

Rs 1,500 + GST

Key benefits

Joining bonus of 3,000 PAYBACK Points from ICICI Bank Rewards with additional annual bonus of 2,000 PAYBACK Points from ICICI Bank Rewards.

Enjoy limitless reward-earning opportunities powered by PAYBACK – India’s largest and Europe’s most popular loyalty programme with every transaction:

  • 6 PAYBACK Points from ICICI Bank Rewards on every Rs 100 spent on dining and Airline transactions.
  • 6 PAYBACK Points from ICICI Bank Rewards on every Rs 100 spent on Hotel and Car rental transactions.
  • 3 PAYBACK Points from ICICI Bank Rewards on every Rs 100 spent on other spends (except fuel, utility and insurance spends)

When it is time for you to redeem your PAYBACK Points from ICICI Bank Rewards, we have ensured a worthy selection of rewards for you to choose from.


Stylish accessories from Guess, Tommy Hilfiger and Calvin Klein. Classic time pieces from Omega. Raymond Weil and Tag Heuer. Latest gadgets from Apple, Blackberry, Canon, Samsung and Sony Ericsson. Or perfumes from Dunhill, 5th Avenue, Bvlgari and Carolina Herrara. The finest brands await your indulgence.

Gift vouchers

Redeem your points for gift vouchers from Debenhams, Nautica, Jack and Jones, Taj Hotels Palaces & Resorts.

Air miles

Convert your PAYBACK points into air miles on Jet Airways Miles and more.

To redeem your points for rewards

  • Call PAYBACK Customer Care on 1860-258-5000 (between 10:00 a.m. and 9:00 p.m.)
  • Call ICICI Bank Customer Care on 1800-103-8181 (toll free)
  • Make an online request for redemption at

The reward of your choice will be delivered within 10 working days*.

*Standard redemption charges apply. Rewards are subject to availability.


Enrich your travel experience with complimentary access to railway lounges and select lounges at airports in India with your ICICI Bank American Express Business Ascent Credit Card. To avail, please present your card at the lounge reception. To view the updated list of lounges and complete details on the programme with the associated terms and conditions, please visit

*Terms and Conditions apply. Primary/Supplementary Card Members holding ICICI Bank American Express® Business Ascent Credit Card are entitled to 8 complimentary visits per calendar year. Please note that the list of lounges may be changed by American Express at its sole discretion and without any notice to ICICI Bank or its Card Members. This offer is provided by a third party and governed by such third party terms and conditions.

Click here for complete list of lounges.


  • American Express® SELECTS provides a wide range of special offers from around the globe in travel, dining, shopping and entertainment.
  • To view the current list of offers, visit

Breathing rooms– shared working spaces

  • Book all kinds of workspaces, whenever, wherever you need with your ICICI Bank American Express Business Ascent Credit Card and avail discounts up to Rs 600 on your first booking and 20% off for your next 5 bookings, along with other exclusive benefits.
  • To avail the benefit please refer to the enclosed voucher in your welcome kit. To book please visit

Boingo Wifi Access

Enjoy complimentary membership of Boingo American Express Preferred Plan for one year. Through Boingo, users can connect up to 4 devices including laptops, cell phones and tablets to the internet through any of Boingo’s 1MM+ hotspots around the world. These hotspots are located in airports, hotels, coffee shops, shopping malls, arenas, stadiums, and quick service restaurants, among other locations.

To avail the benefit, please refer to the enclosed voucher in your welcome kit. To book, please visit .

T&C apply



Exclusive savings on your ICICI Bank Business Ascent Card

Savings Calculator for ICICI Bank American® Express Business Ascent Credit Card
  Annual benefit value (Rs)
Complimentary airport lounge access (Total 8 complimentary visits in 12 months)-per visit cost USD 27 21,060
Reward points earned on monthly retail spends of Rs 75,000 (Assuming 50% on-airline and dining) 11,520
Savings on fuel surcharge at 1% (assuming monthly spends of Rs 7,000) 840
Welcome benefit of 3,000 Reward Points as a joining bonus and annual bonus of 2,000 Reward Points 1,250
Fee reversal of an anniversary year on spending Rs 7,50,000 and above 1,500
Savings on dining discounts on which 5% of the spending has been assumed on dining spends at select partners under ICICI Bank Culinary Treats Programme and 15% savings is assumed on the same 16,875
Saving on bookings done at Breathing Room, assuming 2 hours monthly at Rs 2,400 26,400
Savings on cost of funds for interest-free credit period of up to 48 days arrived by the extended credit period of an average 7 days over the average credit period of 15 days available to the company from its vendors with cost 8,630
Total savings for ICICI Bank American® Express Business Ascent Credit Card 88,075
Assuming 1 USD = Rs 65
Please note that the above table and data are for illustration purpose only and ICICI Bank shall, in no way be held responsible/ liable to provide the benefits stated therein and/or in relation thereto. Actual benefits will differ for every client depending on their spend pattern/ card usage.