ICICI Bank Credit Cards - Fees and Charges

If you’re considering an ICICI Bank Credit Card, here’s all you need to know about its fees and charges

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The ICICI Bank charges fees for different services it extends. If you are planning to get one of their credit cards, it is crucial to know the fees and charges associated with them. Check the ICICI Bank credit cards’ charges to make an informed decision.

ICICI Bank Credit Cards’ Charges

Knowing these charges will help you get an idea of how much you would have to spend to enjoy the benefits of the card. Following are the services for which you have to pay different types of ICICI Bank Credit Cards’ charges:

If you withdraw cash from ATMs using your credit card
When you use your card outside India
If you spend more than your credit limit

ICICI Bank Credit Cards’ Joining Fees and Annual Fees

When selecting a credit card, one of the primary things to note is the joining and renewal charges. You have to pay a joining fee as a one-time payment to obtain a card. You will have to pay annual fees to keep your card active.

Check out the ICICI Bank credit card charges and fees for obtaining and renewing them:

Card Variant	Joining Fee (Excluding Taxes)	Annual Fee (Excluding Taxes)
ICICI Bank Platinum Visa Credit Card	NIL	First Year: NIL Second Year Onwards: NIL
ICICI Bank Coral Credit Card	₹500	First Year: NIL Second Year Onwards: ₹500 (Fee reversal available on spending min. ₹1.5 Lakhs in preceding year)
ICICI Bank Expressions Credit Card	₹499	First Year: NIL Second Year Onwards: ₹499 (Fee reversal available on spending min. ₹1.5 Lakhs in preceding year)
ICICI Bank HPCL Credit Card	₹199	First Year: NIL Second Year Onwards: ₹199 (Fee reversal available on spending min. ₹50,000 in preceding year)
ICICI Bank MMT Platinum Credit Card	₹500	First Year: NIL Second Year Onwards: NIL
ICICI Bank MMT Signature Credit Card	₹2,500	First Year: NIL Second Year Onwards: NIL
ICICI Bank Manchester United Platinum Credit Card	₹499	First Year: NIL Second Year Onwards: ₹499 (Fee reversal available on spending min. ₹1.25 Lakhs in preceding year)
ICICI Bank Manchester United Signature Credit Card	₹2,499	First Year: NIL Second Year Onwards: ₹2,499 (Fee reversal available on spending min. ₹2.5 Lakhs in preceding year)

Disclaimer: The annual fees mentioned above may change at the issuer’s discretion.

ICICI Bank Credit Cards’ Cash Withdrawal Charges

This facility provides a quick financial solution for securing funds. However, it comes with a cost. You will have to pay a transaction fee if you decide to withdraw cash through an ATM.

Here are the applicable ICICI Bank credit cards’ charges and fees for this facility:

Card Variant	Transaction Charges
On All ICICI Bank Credit Cards	2.5% of the withdrawn amount subject to a minimum of ₹500

Disclaimer: The fees mentioned above may change at the issuer’s discretion.

ICICI Bank Credit Cards’ Foreign Currency Transaction Charges

ICICI Bank levies this fee when you use your credit card for purchases made in a foreign currency. Understanding these charges is crucial for budgeting your international expenses.

Card Variant	Applicable Mark-up Fee
All ICICI Bank Credit Cards	3.50%

Disclaimer: These charges can vary at the discretion of the bank.

ICICI Bank Credit Cards’ Balance Transfer

Transferring your balance to a new card lets you enjoy lower interest rates and save a considerable amount on your bill payments. However, ICICI Bank requires you to have a minimum outstanding amount on your existing card.

Minimum Outstanding Amount	₹15,000

Disclaimer: This amount can vary at the discretion of the bank.

ICICI Bank Credit Cards’ Over-limit Charges

Exceeding your credit limit can lead to unexpected financial consequences. You also have to pay the over-limit charge. The bank will levy this fee if you use credit beyond the available limit. Check out the ICICI Bank credit card charges & fees for this facility:

Over-Limit Charges	2.50% of the over-limit amount subject to a minimum of ₹550

Disclaimer: These charges can vary at the discretion of the bank.

ICICI Bank Credit Cards’ Late Payment Charges

Making a credit card payment after the due date can result in financial penalties.

The ICICI Bank imposes late payment charges if you make a payment after the due date. Here are the ICICI Bank credit card fees and charges for late payment-

Outstanding Amount	Late Payment Charges
Less than ₹100	Nil
Between ₹100-₹500	₹100
Between ₹501- ₹5,000	₹500
Between ₹5,001-₹10,000	₹750
Between ₹10,001-₹25,000	₹900
Between ₹25,001- ₹50,000	₹1,000
More than ₹50,000	₹1,200

Disclaimer: The fees mentioned above may change at the issuer’s discretion.

Note: Outstanding Amount = Total Amount due (as of previous statement) – Payment Received before payment due date.

Other Fees and Charges Associated with ICICI Bank Credit Cards

Apart from the above-listed charges, several other costs are associated with the ICICI Bank credit cards. These include:

Type of Charges	General Range
Finance charges on extended credit	2.49% - 3.67% p.m.
Interest on Cash advances	1.99% - 3.67% p.m.
Card replacement fee	₹100 ₹199 for ICICI Bank Expressions Credit Card
Cash payment fee	₹100

Disclaimer: The aforementioned charges are applicable to certain cards based on the issuer’s discretion. Kindly check the bank website to get the list of ICICI Bank Credit Card charges and fees.

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Other Bank Credit Card Fees & Charges

What are the different types of fees and charges for ICICI Bank Credit Cards?

The ICICI Bank levies several types of charges on credit cards based on the services. For instance, to get a card, you will have to pay a joining fee. The bank charges annual fees for its maintenance, finance charges if you keep the balance amount for the next billing cycle, and more.

Are there any late payment charges for ICICI Bank Credit Cards?

Yes, you will have to pay late payment charges if you fail to clear the minimum amount due before the due date. The charges range between ₹100 and ₹1,200 depending on the outstanding amount.

What are the transaction fees for the cash advance facility on ICICI Bank Credit Cards?

If you withdraw cash from an ATM using your credit card, you will have to pay 2.5% of the withdrawn amount or ₹500, whichever is higher.

How to avoid late payment charges on ICICI Bank Credit Cards?

You can avoid any late payment charge on your ICICI Bank credit card by clearing either the total or minimum amount due. Note that finance charges will still apply if you pay only the minimum amount due.