{"id":83609,"date":"2025-12-23T16:57:18","date_gmt":"2025-12-23T11:27:18","guid":{"rendered":"https:\/\/piceapp.com\/blogs\/?p=83609"},"modified":"2025-12-23T16:57:25","modified_gmt":"2025-12-23T11:27:25","slug":"icici-parakram-credit-card","status":"publish","type":"post","link":"https:\/\/piceapp.com\/blogs\/icici-parakram-credit-card\/","title":{"rendered":"Top Perks and Rewards of the ICICI Parakram Credit Card"},"content":{"rendered":"\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\" id=\"key-takeaways\">Key Takeaways<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The ICICI Parakram credit card is exclusively designed for Indian defence and paramilitary personnel.<\/li>\n\n\n\n<li>It offers zero joining and annual fees, making it cost-effective.<\/li>\n\n\n\n<li>Cardholders earn reward points on everyday and iShop spends.<\/li>\n\n\n\n<li>Benefits include lounge access, fuel surcharge waiver, and insurance cover.<\/li>\n\n\n\n<li>Defence Services title embossing adds a personalised touch.<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>For Indian paramilitary and defence personnel seeking a credit card with exclusive perks, the ICICI Parakram Credit Card is an ideal choice.<\/p>\n\n\n\n<p>It offers complimentary airport lounge access, a <a href=\"https:\/\/moneyview.in\/credit-card\/what-is-fuel-surcharge-waiver-on-credit-card\" target=\"_blank\" rel=\"noopener\">fuel surcharge waiver<\/a> and opportunities to earn 1 reward point on everyday spending of \u20b9100. Plus, you can also have your Defence Services title embossed on the card for a personalised touch.<\/p>\n\n\n\n<p>Make sure to check all the perks and associated terms before applying.<\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Table of Contents<\/h2><nav><ul><li><a href=\"#icici-parakram-credit-card-benefits\">ICICI Parakram Credit Card Benefits<\/a><\/li><li><a href=\"#icici-parakram-credit-card-charges\">ICICI Parakram Credit Card Charges<\/a><\/li><li><a href=\"#icici-parakram-credit-card-terms-and-conditions\">ICICI Parakram Credit Card Terms and Conditions<\/a><\/li><li><a href=\"#conclusion\">Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"icici-parakram-credit-card-benefits\"><strong>ICICI Parakram Credit Card Benefits<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"533\" src=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2025\/12\/Benefits-of-ICICI-Parakram.jpeg\" alt=\"ICICI Parakram Credit Card Benefits\" class=\"wp-image-83611\" style=\"width:840px;height:auto\" title=\"\" srcset=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2025\/12\/Benefits-of-ICICI-Parakram.jpeg 800w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2025\/12\/Benefits-of-ICICI-Parakram-300x200.jpeg 300w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2025\/12\/Benefits-of-ICICI-Parakram-150x100.jpeg 150w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2025\/12\/Benefits-of-ICICI-Parakram-768x512.jpeg 768w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><figcaption><\/figcaption><\/figure>\n\n\n\n<p>You can earn 1 reward point on every \u20b9100 spent on domestic purchases using the ICICI Parakram Credit Card. The other benefits offered by the card are as follows:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You can earn 6X to 12X reward points on iShop.<\/li>\n\n\n\n<li>You can get 1 airport lounge access per quarter by spending a minimum of \u20b975,00 per quarter using the card.<\/li>\n\n\n\n<li>The card offers personal accident insurance cover of 2 lakh and air accident insurance cover of up to \u20b920 lakh.<\/li>\n\n\n\n<li>You can get a 1% surcharge waiver on fuel transactions.\u00a0<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"icici-parakram-credit-card-charges\"><strong>ICICI Parakram Credit Card Charges<\/strong><\/h2>\n\n\n\n<p>The ICICI Parakram Credit Card does not attract any annual renewal or joining fee. However, the other charges applicable to the card are as follows:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Parameter<\/strong><\/td><td><strong>Charges<\/strong><\/td><\/tr><tr><td>Supplementary Card Fee<\/td><td>\u20b9199<\/td><\/tr><tr><td>Card Replacement Fee<\/td><td>\u20b9200<\/td><\/tr><tr><td>Foreign Currency Markup<\/td><td>3.5%<\/td><\/tr><tr><td>Cash Advance Fee<\/td><td>2.5% subject to a minimum of \u20b9500<\/td><\/tr><tr><td>Overlimit Charges&nbsp;<\/td><td>2.5% subject to a minimum of \u20b9550<\/td><\/tr><tr><td>Finance Charge<\/td><td>3.75% per month or 45% per year<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\ud83d\udca1Pay your credit card bills in an easy and secure way with<a href=\"https:\/\/piceapp.com\/\"> the PICE App<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"icici-parakram-credit-card-terms-and-conditions\"><strong>ICICI Parakram Credit Card Terms and Conditions<\/strong><\/h2>\n\n\n\n<p>With the ICICI Parakram Credit Card, rewards are capped at \u20b940,000 each for utility and insurance spends per month.\u00a0 The card charges a reward redemption handling fee of \u20b999 per redemption. The fuel surcharge waiver is applicable on transactions between \u20b9400 and \u20b94,000 up to \u20b9250 per month.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"conclusion\">Conclusion<\/h2>\n\n\n\n<p>The ICICI Parakram credit card is a purpose-built offering for Indian defence and paramilitary personnel, combining zero fees, rewarding spends, insurance cover, lounge access and fuel savings. With personalised embossing and transparent terms, it delivers practical value, convenience and recognition for everyday financial needs across diverse spending categories nationwide securely.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"fa-qs\">FAQs<\/h3>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1766488342330\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Who can apply for the ICICI Parakram credit card?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Indian defence and paramilitary personnel are eligible to apply.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1766488363484\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Is there any joining or annual fee?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>No, the card comes with zero joining and renewal fees.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1766488376603\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">How many reward points can I earn?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>You earn 1 reward point for every \u20b9100 spent on eligible domestic transactions.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1766488387865\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">What insurance benefits are included?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>The card provides personal and air accident insurance coverage.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1766488401504\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Is there a fee for reward redemption?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Yes, a redemption handling fee of \u20b999 is applicable.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Key Takeaways For Indian paramilitary and defence personnel seeking a credit card with exclusive perks, the ICICI Parakram Credit Card is an ideal choice. It offers complimentary airport lounge access, a fuel surcharge waiver and opportunities to earn 1 reward point on everyday spending of \u20b9100. Plus, you can also have your Defence Services title [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":83610,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-83609","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-card"],"_links":{"self":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/83609","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/comments?post=83609"}],"version-history":[{"count":1,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/83609\/revisions"}],"predecessor-version":[{"id":83614,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/83609\/revisions\/83614"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media\/83610"}],"wp:attachment":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media?parent=83609"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/categories?post=83609"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/tags?post=83609"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}