| Joining Fee |
Nil |
| Annual Fee |
First year- Rs 500
Second year onwards - Rs 500 |
| Add On Card Fee |
Nil
Card-holders may extend the privileges of their credit card to their families with up to 2 complimentary supplementary cards. |
| Cash Advance Transaction Fee |
2.50% on advanced amount, subject to a minimum of Rs.300 |
| Finance charges on cash advances /extended credit |
3.15% monthly, 37.80% annually |
| Penalty Interest Rate |
It can be as low as 1.99% per month (23.88% per annum) depending on factors such as, but not
limited to, credit history, purchase patterns, payment behavior, loyalty and month-on book.
In case of default, interest charges may increase up to a maximum of 3.40% per month (40.80% per annum). |
| Late Payment |
30% of Minimum Amount Due (subject to a minimum of Rs.400 and a maximum of Rs.600) |
| Free Credit Period |
Enjoy up to 48 days interest-free credit on purchases. This is applicable provided the outstanding on the card-holder’s credit card, as shown on the statement, is settled in full by the due date. Card holders may withdraw money 24 hours a day from any ICICI Bank ATM or from any ATM worldwide using their card. |
| Limited Lost Card Liability |
Sum insured:Rs. 50,000
Provides cover for transactions made on the card after the card is lost by the card member. Transactions made up to 7 days post reporting and upto 2 days pre reporting, including the date of reporting are covered. All PIN based transactions including those on ATM, Internet and Telephone are not covered.
To avail benefit card has been used at least once in the last 60 days prior to the event. |
| Over Limit Charges |
2.50% on the over-limit amount (subject to a minimum of Rs.500) |
| Cheque Bounce Fee |
Rs.250 per returned cheque |
| Return of Cheque Fee |
Rs.250 per returned cheque |
| Outstation Cheque Processing Fee |
Rs 100 1% |
| Dial a Draft Fee |
3% of the draft value amount subject to a minimum of Rs.300 |
| Duplicate Statement Request Charges |
Rs.100 |
| Replacement Card Charges |
Rs 100 |
| Charge Slip Request |
Rs.100 per chargeslip |
| Railway Booking Surcharge |
2.5% |
| Railway Booking Surcharge (Online) |
1.8% |
| Fuel Surcharge |
2.5% |
| Foreign Currency Transaction Charges |
3.5% |
| Service Tax |
10.3% |
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