{
  "id": "icici-1838-reserve-credit-card",
  "locale": "hinglish",
  "name": "ICICI Bank 1838 Reserve Credit Card",
  "bank": "ICICI Bank",
  "cardType": "premium",
  "cardTier": "ultra-premium",
  "annualFee": "₹1,75,000 + GST",
  "loungeAccess": "Select international airports par fast-track security; partner private club aur concierge access; lounge terms pending",
  "rewardsRate": "Domestic spends par 3%; international spends par 2%; 1,00,000 points/month overall cap",
  "bestFor": "Ultra HNIs jo curated luxury hospitality, private club access aur concierge privileges chahte hain",
  "officialLink": "https://www.icici.bank.in/personal-banking/cards/credit-card/1838-reserve-icici-credit-card",
  "aiVerdict": {
    "score": 1.6,
    "summary": "Its modest reward rate offset the lack of lounge access.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "High annual fee (₹175000) erodes net rewards",
      "No extracted lounge benefit"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 3,
  "affiliateId": "icici-1838-reserve-credit-card",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "PARTIAL",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "https://www.icici.bank.in/personal-banking/cards/credit-card/1838-reserve-icici-credit-card"
  ],
  "feeWaiver": "Annual fee waiver applicable nahi hai",
  "networks": [
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "Joining fee",
      "value": "₹1,75,000 + GST"
    },
    {
      "key": "Annual fee",
      "value": "₹1,75,000 + GST (No waiver)"
    },
    {
      "key": "Forex markup",
      "value": "0% (Zero Forex Markup)"
    },
    {
      "key": "Domestic earn",
      "value": "3% reward points"
    },
    {
      "key": "International earn",
      "value": "2% reward points"
    },
    {
      "key": "Monthly cap",
      "value": "1,00,000 points / month"
    }
  ],
  "earnRates": [
    {
      "category": "Domestic spends",
      "rate": "3%",
      "monthlyCap": "1,00,000 reward points (overall)"
    },
    {
      "category": "International spends",
      "rate": "2%",
      "monthlyCap": "1,00,000 reward points (overall)"
    },
    {
      "category": "Utilities, telecom, govt, tax, education, insurance",
      "rate": "Applicable domestic/international rate",
      "monthlyCap": "10,000 reward points (cumulative sub-cap)"
    }
  ],
  "hasAccelerated": false,
  "acceleratedEarn": [],
  "redemptionRoutes": [],
  "exclusions": [
    "Fuel transactions par reward points nahi milte.",
    "Rent payments par reward points nahi milte.",
    "E-wallet load karne par reward points nahi milte.",
    "EMI transactions par reward points nahi milte."
  ],
  "feesDetail": [
    {
      "item": "Joining fee",
      "value": "₹1,75,000 + GST"
    },
    {
      "item": "Annual fee",
      "value": "₹1,75,000 + GST (No fee waiver)"
    },
    {
      "item": "Forex markup",
      "value": "0% (Zero Forex Markup)"
    },
    {
      "item": "Interest rate",
      "value": "1.67% per month if Total Amount Due is unpaid"
    },
    {
      "item": "ATM withdrawal fee",
      "value": "Nil"
    },
    {
      "item": "Late payment fee",
      "value": "Nil"
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Availability",
      "requirement": "By invitation only; ICICI Bank Relationship Manager se contact karein"
    },
    {
      "criteria": "Documentation",
      "requirement": "PAN card, Aadhaar card, income proof aur 24x7 Video KYC"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}