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Updated September 28, 2026 · SumCue Editorial Team

ICICI Bank Credit Cards vs Nexo

ICICI Bank Credit Cards scores 9.1 and Nexo 8.9 out of 10. Compare their differences and shared features below.
ICICI Bank Credit Cards

ICICI Bank Credit Cards

Higher score in this comparison

9.1/10
Visit
Nexo

Nexo

8.9/10
Visit

ICICI Bank Credit Cards vs Nexo: the differences

ICICI Bank Credit Cards vs Nexo
CompareICICI Bank Credit CardsICICI Bank Credit CardsReviewVisitVisitNexoNexoReviewVisitVisit
Annual fee₹3,500€0
APR9.99% to 16.5%from 1.9%Lower
Currency conversion fee3.5%0.2% to 2.5%Lower
Rewards typePointsCashback
Rewards rate4 points per INR 100 international spend, 2 points per INR 100 domestic spend, 1 point per INR 100 utility and insurance spendUp to 2% crypto cashback in NEXO Tokens, or 0.5% in BTC at Platinum tier, on purchases in Credit Mode
PerksWelcome vouchers worth over INR 13,000 from Tata CLiQ, EaseMyTrip, Da Milano, Croma and EazyDiner, 2 complimentary international and 4 domestic airport lounge visits, Up to 4 complimentary golf rounds per month, 24/7 concierge service (i Assist), Air accident insurance cover up to INR 3 crore, 1% fuel surcharge waiver on fuel transactions up to INR 4,000, BookMyShow movie offers, up to INR 500 off the second ticketFree ATM withdrawals up to EUR 2,000 / GBP 1,800 per month at Platinum tier, then 2% fee (min EUR/GBP 1.99), Apple Pay and Google Pay supported, Interest earned on unspent funds (Nexo Loyalty Program, up to 13% per year), Accepted at over 100 million merchants globally, Virtual card activated instantly with 50 USD balance; free shipping for physical card above 5,000 USD balance at Gold tier or higher, No monthly, annual or inactivity card fees
Credit neededGoodNot confirmed
Cashback rateNot confirmed0.5% to 2%

Same on both: Card kind (Credit).

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Key differences

  • ICICI Bank Credit Cards scores higher overall: 9.1 vs 8.9.
  • Founded is lower at ICICI Bank Credit Cards: 1994 vs 2018.
  • Nexo is available in 35 more countries.
  • APR is lower at Nexo: from 1.9% vs 9.99% to 16.5%.
  • Currency conversion fee is lower at Nexo: 0.2% to 2.5% vs 3.5%.
  • Perks: only ICICI Bank Credit Cards offers Welcome vouchers worth over INR 13,000 from Tata CLiQ, EaseMyTrip, Da Milano, Croma and EazyDiner, 2 complimentary international and 4 domestic airport lounge visits, Up to 4 complimentary golf rounds per month.
  • Perks: only Nexo offers Free ATM withdrawals up to EUR 2,000 / GBP 1,800 per month at Platinum tier, then 2% fee (min EUR/GBP 1.99), Apple Pay and Google Pay supported, Interest earned on unspent funds (Nexo Loyalty Program, up to 13% per year).
  • Support channels: only ICICI Bank Credit Cards offers Phone.
  • Pricing model: only ICICI Bank Credit Cards offers Fixed rate.
  • Pricing model: only Nexo offers No annual fee.

Our verdict on each

ICICI Bank Credit Cards

ICICI Bank offers a personal loan of INR 50,000 to INR 5,000,000 alongside a points credit card with lounge and fuel perks, suiting Indian salaried borrowers who want one bank for loans and spending. Costs weigh it down, since the loan fee and card charges stack on the interest.

Read the full ICICI Bank Credit Cards review

Nexo

Nexo suits businesses and crypto users who want a multi-currency card, with monthly and annual card fees of €0 and €0. The trade-off is tier-based cashback, foreign exchange costs, and custodial holding of supported crypto.

Read the full Nexo review

Score breakdown

ICICI Bank Credit Cards vs Nexo
AreaICICI Bank Credit CardsNexo
Cost8.6Loan interest of 9.99% to 16.5%, an arrangement fee of 2% plus taxes, and a card annual fee of INR 3,500.9.2HigherMonthly and annual card fees are €0 and €0, while foreign exchange costs are 0.2% to 2.5%.
Offer9.4Higher9.2The card supports crypto cashback, multi-currency use, virtual cards, travel, Apple Pay and Google Pay.
Trust9.4Higher8.3

Where they rank in our lists

ICICI Bank Credit Cards vs Nexo
RankingICICI Bank Credit CardsNexo
Credit and debit cards27 of 159410 of 1594
Credit cards10 of 4212 of 421

Availability and regulation

ICICI Bank Credit Cards vs Nexo
CountryICICI Bank Credit CardsNexo
ArgentinaNot confirmed
AustraliaNot confirmed
AUSTRAC (Australia) DCE100843695-001
Hong KongNot confirmed
PolandNot confirmed
SeychellesNot confirmed
United StatesNot confirmed

Additional countries for ICICI Bank Credit Cards: 1. Additional countries for Nexo: 36.

Also worth a look

DKB has currency conversion fee at 0% to 2.2%, against 3.5% for ICICI Bank Credit Cards and 0.2% to 2.5% for Nexo.

DKB review

Where these facts come from

ICICI Bank Credit Cards

  • icici.bank.in: 14 facts, checked September 26, 2026

Nexo

  • nexo.com: 14 facts, checked September 26, 2026

Every fact side by side

ICICI Bank Credit Cards vs Nexo
FactICICI Bank Credit CardsNexo
Pricing modelFixed rateNo annual fee
FeaturesSame day fundingMulti currency, Crypto, Virtual card, Custodial, Travel
AudienceNot confirmedBusiness
Legal entityICICI Bank LimitedDiPocket UAB
HeadquartersIndiaNot confirmed
Founded1994Lower2018
Support channelsPhone, Email, Chat, Help centreCovers moreChat, Email, Help centre

Crypto wallets

ICICI Bank Credit Cards vs Nexo
FactICICI Bank Credit CardsNexo
Wallet typeNot confirmedMobile
CustodyNot confirmedCustodial
Coins supportedNot confirmed100

Where each stands against the rest

ICICI Bank Credit Cards vs Nexo
FactICICI Bank Credit CardsNexoMedian
APR9.99% to 16.5%below the medianfrom 1.9%lowest quarter11.635
Currency conversion fee3.5%highest quarter0.2% to 2.5%below the median1%
Cashback rateNot confirmed0.5% to 2%above the median1.5

Median across 486 listed providers.

Pros and cons

ICICI Bank Credit Cards

Pros

  • Personal loans from INR 50,000 to INR 5,000,000 over 12 to 72, priced on a fixed-rate basis.
  • Money moves fast: same day funding and Instant disbursement for approved loans.
  • A direct lender offering personal and debt consolidation loans, so the bank sets the terms itself.

Cons

  • Free early repayment is listed as no, so clearing the balance before the term ends carries a cost.
  • Card running costs add up: INR 3,500 a year plus 3.5% on currency conversion.
  • The loan applies a hard credit check and asks for good credit.

Nexo

Pros

  • No monthly or annual card fees: €0 and €0.
  • Crypto cashback is available in NEXO Tokens or BTC at Platinum tier in Credit Mode.
  • Multi-currency use, virtual cards, travel, Apple Pay and Google Pay are supported.

Cons

  • Foreign exchange costs are 0.2% to 2.5%, which may add to overseas spending.
  • Supported crypto is held in custodial custody under custodial.
  • Cashback and ATM terms depend on card tiers, so lower tiers receive less favourable benefits.

Who each suits

ICICI Bank Credit Cards

Who it suits

  • Salaried Indian citizens who meet the bank's minimum age and monthly income test.
  • Borrowers consolidating debt or funding home improvement on a fixed-rate personal loan.
  • Card holders who travel and care about lounge access, concierge help and a fuel surcharge waiver.

Who should look elsewhere

  • Borrowers after euro lending: Creduma ES works from from €12,000.
  • Rate shoppers comparing lenders in other markets: Sofkredit lists 10.74% to 18.06% and Cashspace PHP 12 to PHP 36, both in different currencies.
  • Anyone wanting a card with no annual charge, since this card's fee is INR 3,500.

Nexo

Who it suits

  • Businesses seeking a multi-currency card with no monthly or annual card fees.
  • Crypto users comfortable with crypto cashback and custodial custody.
  • Travellers who want Mastercard, virtual-card, Apple Pay and Google Pay support.

Who should look elsewhere

  • bunq may suit readers whose stated foreign exchange fee range is 0.5% to 3%.
  • Varo Believe Secured Credit Card may suit readers focused on a card with a stated monthly fee of $0.
  • Wise may suit readers looking for a different everyday money platform, with a stated monthly fee of £0.

Current offers

ICICI Bank Credit Cards

Current offer

  • Bonus

    Sapphiro Credit Card welcome vouchers with BookMyShow buy one get one offer

    Sapphiro Credit Card only; includes international and domestic airport lounge access

    Source, checked September 26, 2026

Country by country

ICICI Bank Credit Cards vs Nexo
CountryICICI Bank Credit CardsNexo
ArgentinaNoYes
AustraliaNoYes
AustriaNoYes
BelgiumNoYes
BulgariaNoYes
CroatiaNoYes
CyprusNoYes
CzechiaNoYes

8 of 37 countries where either is available.

Questions about each

ICICI Bank Credit Cards

What does a personal loan from ICICI Bank cost?+

Interest runs at 9.99% to 16.5% on a fixed-rate basis, and the arrangement fee is 2% of the loan amount plus taxes. Free early repayment is listed as no, so closing the balance before the end of 12 to 72 carries a cost.

How much can I borrow, and for how long?+

Loans run from INR 50,000 to INR 5,000,000 over 12 to 72. The site median amount for this kind of lending is €526.18 and the median term is 36, so both the ceiling and the longest term sit well above the middle of the market.

Nexo

What are the Nexo card fees?+

Nexo lists a monthly card fee of €0 and an annual card fee of €0. Its published perks also state that there are no monthly, annual or inactivity card fees.

What is the currency conversion fee?+

Foreign exchange fees are 0.2% to 2.5%. The exact amount can therefore vary, so overseas purchases and ATM withdrawals may cost more than transactions made in the card's base currency.

Other options to compare

ICICI Bank Credit Cards

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Nexo

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