Updated September 29, 2026 · SumCue Editorial Team
ICICI Bank Credit Cards vs Wirex
ICICI Bank Credit Cards
Higher score in this comparison
Wirex
ICICI Bank Credit Cards vs Wirex: the differences
| Compare | ICICI Bank Credit CardsReviewVisitVisit | WirexReviewVisitVisit |
|---|---|---|
| Annual fee | ₹3,500 | $0 |
| Currency conversion fee | 3.5% | 0%Lower |
| 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 8% cashback |
| 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 | 50% off subscriptions |
| APR | 9.99% to 16.5% | Not confirmed |
| Credit needed | Good | Not confirmed |
| Card kind | Credit | Not confirmed |
| Regulators | Not confirmed | Superintendency of the Financial System |
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Key differences
- Founded is lower at ICICI Bank Credit Cards: 1994 vs 2014.
- Currency conversion fee is lower at Wirex: 0% 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 Wirex offers 50% off subscriptions.
- Support channels: only ICICI Bank Credit Cards offers Phone, Email, Chat.
- Support channels: only Wirex offers Community.
- Pricing model: only ICICI Bank Credit Cards offers Fixed rate.
- Pricing model: only Wirex offers No annual fee.
- Features: only ICICI Bank Credit Cards offers Same day funding.
- Features: only Wirex offers Crypto, Multi currency, Travel.
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.
Wirex
Wirex suits travellers and crypto spenders who want a Visa debit card with cashback and multi-currency spend linked to a mobile wallet. Monthly fee sits at $0 with currency conversion at 0%, while cover comes through Superintendency of the Financial System oversight in daily use.
Score breakdown
| Area | ICICI Bank Credit Cards | Wirex |
|---|---|---|
| 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. | 9.5HigherMonthly fee at $0 and conversion at 0% keep everyday spend light |
| Offer | 9.4 | 9.4Cashback at Up to 8% cashback with support across 150 adds breadth |
| Trust | 9.4Higher | 8.5Oversight by Superintendency of the Financial System frames custody and card use for holders |
Availability and regulation
| Country | ICICI Bank Credit Cards | Wirex |
|---|---|---|
| El Salvador | Not confirmed |
How they place
| Ranking | ICICI Bank Credit Cards | Wirex |
|---|---|---|
| Credit and debit cards | 27 of 1594 | 30 of 1594 |
| Credit cards | 10 of 421 | 11 of 421 |
Every fact side by side
| Fact | ICICI Bank Credit Cards | Wirex |
|---|---|---|
| Pricing model | Fixed rate | No annual fee |
| Features | Same day funding | Crypto, Multi currency, Travel, Virtual card |
| Legal entity | ICICI Bank Limited | Wirex Europe sp z.o.o. |
| Headquarters | India | United Kingdom |
| Founded | 1994Lower | 2014 |
| Support channels | Phone, Email, Chat, Help centre | Community, Help centre |
Crypto wallets
| Fact | ICICI Bank Credit Cards | Wirex |
|---|---|---|
| Wallet type | Not confirmed | Mobile |
| Price | Not confirmed | $0 |
| Custody | Not confirmed | Self custody |
| Coins supported | Not confirmed | 40 |
Crypto exchanges
| Fact | ICICI Bank Credit Cards | Wirex |
|---|---|---|
| Fiat deposit methods | Not confirmed | Card, Bank, SEPA, ACH |
| Withdrawal fee | Not confirmed | Variable network fees |
| Exchange type | Not confirmed | Cex |
Where each stands against the rest
| Fact | ICICI Bank Credit Cards | Wirex | Median |
|---|---|---|---|
| APR | 9.99% to 16.5%below the median | Not confirmed | 11.635 |
| Currency conversion fee | 3.5%highest quarter | 0%below the median | 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.
Wirex
Pros
- Monthly upkeep stays at $0 with no annual charge at $0
- Foreign spend carries 0% conversion on the Visa network Visa
- Cashback rewards of Up to 8% cashback plus perks covering 50% off subscriptions
Cons
- Support runs on community and help centre only
- Crypto withdrawals face Variable network fees, which can vary with network conditions
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.
Wirex
Who it suits
- Travellers spending across currencies who want Visa acceptance
- Crypto holders wanting mobile access with card spend
Who should look elsewhere
- Card shoppers wanting wider coin coverage may prefer Bitpanda for a different asset range
- Users wanting voice based service may prefer eToro for a different support setup
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 | Wirex |
|---|---|---|
| India | Yes | No |
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.
Wirex
What does the Wirex card cost each month?+
Monthly upkeep sits at $0 and annual upkeep sits at $0. You can hold and spend through the linked account without a standing charge for the card itself, which helps budgeting across travel and daily shopping.
Does Wirex charge for currency conversion?+
Currency conversion on card use sits at 0%. You can spend abroad and across currencies without an added exchange markup on the card, which keeps travel purchases and online orders in other currencies easier to plan.
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