Updated September 29, 2026 · SumCue Editorial Team
ICICI Bank Credit Cards vs Vexi
ICICI Bank Credit Cards
Higher score in this comparison
Vexi
What sets them apart
| Compare | ICICI Bank Credit CardsReviewVisitVisit | VexiReviewVisitVisit |
|---|---|---|
| Annual fee | ₹3,500 | MX$0 |
| APR | 9.99% to 16.5%Lower | 43.38% to 75.76% |
| Rewards type | Points | Cashback |
| Rewards rate | 4 points per INR 100 international spend, 2 points per INR 100 domestic spend, 1 point per INR 100 utility and insurance spend | up to 5% |
| Perks | 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, 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 ticket | Purchase protection, Travel assistance, Telemedicine |
| Currency conversion fee | 3.5% | Not confirmed |
| Credit needed | Good | Not confirmed |
| Regulators | Not confirmed | Comision Nacional Bancaria y de Valores (CNBV) |
Same on both: Card kind (Credit).
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Key differences
- ICICI Bank Credit Cards scores higher overall: 9.1 vs 9.0.
- APR is lower at ICICI Bank Credit Cards: 9.99% to 16.5% vs 43.38% to 75.76%.
- 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 Vexi offers Purchase protection, Travel assistance, Telemedicine.
- Pricing model: only ICICI Bank Credit Cards offers Fixed rate.
- Pricing model: only Vexi offers No annual fee.
- Features: only ICICI Bank Credit Cards offers Same day funding.
- Features: only Vexi offers Rewards.
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.
Vexi
Vexi suits spenders in Mexico seeking cashback without a yearly charge, as annual fee of MXN 0 keeps fixed costs at free while rewards add value on spending. Borrowing costs apply through APR of 43.38% to 75.76%, so paying in full each cycle matters for households watching budgets closely.
Score breakdown
| Area | ICICI Bank Credit Cards | Vexi |
|---|---|---|
| Cost | 8.6Loan interest of 9.99% to 16.5%, an arrangement fee of 2% plus taxes, and a card annual fee of INR 3,500. | 9.2Higherannual fee of MXN 0 keeps fixed costs at free, though APR of 43.38% to 75.76% matters for revolvers |
| Offer | 9.4Higher | 9.1cashback of cashback with rewards of up to 5% plus cover via purchase protection, travel assistance and telemedicine |
| Trust | 9.4Higher | 8.8oversight from Comision Nacional Bancaria y de Valores (CNBV) supports confidence in card operations and handling |
How they place
| Ranking | ICICI Bank Credit Cards | Vexi |
|---|---|---|
| Credit and debit cards | 27 of 1594 | 17 of 1594 |
| Credit cards | 10 of 421 | 5 of 421 |
Ranges side by side
| Fact | ICICI Bank Credit Cards | Vexi |
|---|---|---|
| APR | 9.99% to 16.5% | 43.38% to 75.76% |
Choosing between them
Pick ICICI Bank Credit Cards if offer, trust, and apr matter most.
Pick Vexi if cost matter most.
If neither fits
DKB has apr at 6.99%, against 9.99% to 16.5% for ICICI Bank Credit Cards and 43.38% to 75.76% for Vexi.
DKB reviewWhat we checked
ICICI Bank Credit Cards
- icici.bank.in: 14 facts, checked September 26, 2026
Vexi
- vexi.mx: 8 facts, checked September 29, 2026
- gob.mx: 1 fact, checked September 29, 2026
Every fact side by side
| Fact | ICICI Bank Credit Cards | Vexi |
|---|---|---|
| Pricing model | Fixed rate | No annual fee |
| Features | Same day funding | Rewards |
| Legal entity | ICICI Bank Limited | Not confirmed |
| Headquarters | India | Not confirmed |
| Founded | 1994 | Not confirmed |
| Support channels | Phone, Email, Chat, Help centre | Not confirmed |
Where each stands against the rest
| Fact | ICICI Bank Credit Cards | Vexi | Median |
|---|---|---|---|
| APR | 9.99% to 16.5%below the median | 43.38% to 75.76%highest quarter | 11.635 |
| Currency conversion fee | 3.5%highest quarter | Not confirmed | 1% |
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.
Vexi
Pros
- Free ownership with annual fee of MXN 0, lighter than DKB with fees of €29.88
- Cashback rewards of cashback with rewards of up to 5% for eligible spending
- Added lifestyle cover through purchase protection, travel assistance and telemedicine for shopping and travel peace of mind
Cons
- Borrowing carries APR of 43.38% to 75.76%, which proves costly where balances revolve across billing cycles
- Support runs on email, chat and help centre only, which limits choice at moments when voice help feels urgent
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.
Vexi
Who it suits
- Shoppers who value cashback over Kraken while weighing fees of €0 in comparisons
- Budget holders who favour free ownership over DKB with fees of €29.88
- Digital users at ease with email, chat and help centre rather than eToro style platform help
Who should look elsewhere
- Readers who often revolve balances and dislike APR of 43.38% to 75.76% may compare DKB before committing
- Readers who want voice support beyond email, chat and help centre may prefer Kraken as a comparison point
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
| Country | ICICI Bank Credit Cards | Vexi |
|---|---|---|
| India | Yes | No |
| Mexico | No | Yes |
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.
Vexi
What does Vexi charge each year for card ownership?+
Vexi charges annual fee of MXN 0, which keeps ownership costs at free while you use the card for retail spending and routine bills. That structure suits households that clear balances and wish to avoid a fixed yearly charge eating into cashback gains over time.
How much interest applies when carrying a Vexi balance?+
Vexi applies APR of 43.38% to 75.76% when you carry a balance beyond the payment due date. The range reflects risk based pricing, so your assigned rate depends on assessment. Paying in full helps avoid interest and preserves the value earned through rewards.
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