1838 Reserve ICICI Bank Credit Card
Fees and application requirements
- Joining fee
- ₹1,75,000 + GST
- Annual / renewal fee
- ₹1,75,000 + GST (no annual fee waiver)
- Card network
- Visa
- Availability
- By invitation only. Contact your ICICI Bank Relationship Manager or express interest; registration does not assure an invitation.
Read the complete fee wording: spend-based waivers and promotional offers have conditions. The issuer’s current application terms take precedence.
ICICI Bank · Checked 2026-10-29
An invitation-only luxury card whose substantial fee depends on personal use of its memberships and curated services.
CardIQ editorial view
Our take
An invitation-only luxury card whose substantial fee depends on personal use of its memberships and curated services.
Who it suits
- Invited customers who can use the specified memberships and concierge services.
Key strengths
- Premium club memberships, concierge services and rewards on eligible purchases
Trade-offs to understand
- The joining and annual fees are each ₹1,75,000 before GST, without a spend waiver.
- Access requires an issuer invitation; advertised benefit valuations are not cash savings.
CardIQ verdict
Assess each usable membership against the full fee with your Relationship Manager before accepting an invitation.
This CardIQ editorial assessment is maintained separately from issuer facts and commercial links. CardIQ may earn a commission from some applications. Verify current terms before applying.
Benefits, limits and conditions
- By invitation only; express interest through ICICI Bank or your Relationship Manager.
- Selected private-club, travel and lifestyle privileges have their own booking, membership and redemption conditions.
- No annual fee waiver and no add-on cards under the currently published product terms.