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  Eligibility & Fee Structure

 
Credit Card Eligibility Criteria (Net Annual Income)
Credit Cards Age Criteria
Credit Cards India Applicable Fees and Charges
Gold credit card Documents Required
 
Eligibility Criteria Eligibility Criteria
Cards Cities   For the Salaried For the Self- Employed
Amway / Big Bazaar / HPCL Silver / Mini Card / Pru Life / Sterling Silver / Trinethra / True Blue / True Value / Affinity Silver/ Cash card -silver / American Express® Green Mumbai, Delhi, Chennai, Bangalore, Hyderabad 1,44,000 p.a. 1,50,000 p.a.
Pune, Ahmedabad, Surat, Nagpur, Chandigarh, Kanpur, Lucknow, Jaipur, Vishakapatnam, Coimbatore, Cochin, Kolkata 1,20,000 p.a. 1,25,000 p.a.
Other Cities 72,000 p.a. 72,000 p.a.
Solid Gold / HPCL Gold / Affinity Gold / Cash Card - Gold / American Express® Gold Mumbai, Delhi, Chennai, Bangalore, Hyderabad 1,44,000 p.a. 1,50,000 p.a.
Other Cities 1,20,000 p.a. 1,25,000 p.a.
EMI Card All Cities 1,20,000 p.a. 1,20,000 p.a.*
Titanium All Cities 3,60,000 p.a. 3,60,000 p.a.
Platinum All Cities 4,80,000 p.a. 4,80,000 p.a.
Signature   14,40,000 p.a 14,40,000 p.a
Platinum Identity   9,60,000 p.a 9,60,000 p.a
* Other bank card documents / Specific club memberships required
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Age Criteria
  Minimum Age
For the Salaried 21 years
For the Retired N.A.
For the Self-Employed 21 years
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Applicable Fees and Charges
Interest Free Credit Period
18-48 days (applicable only on retail purchases and if previous month's balance outstanding is paid in full)
**Finance charges on extended credit

0.99% (Monthly) 12.55% (Annually) for Easy Deposit Card

1.75% (Monthly), 23.14% (Annually) for Spouse Card
1.99% (Monthly), 26.68% (Annually) for Home Card
2.75% (monthly),38.48%(Annually) for Platinum card w.e.f March 1st 2008
3.15% (monthly),45.09%(Annually) for Private Banking credit card w.e.f March 1st 2008
2.75% (Monthly) 38.48% (Annually) for ICICI Bank Signature Credit Card
3.15% (monthly),45.09%(Annually) forTitanium, Platinum Premier credit card w.e.f March 1st 2008
3.40% (Monthly) 49.36% (Annually) for all Blue silver & Gold cards, irrespective of the date of transaction
0% (with Annual fee) /1.49%/1.99% (monthly) for EMI Card. Applicable from the day of transaction.
Finance Charges on extended credit and cash Advance:2.75% (monthly), 38.48% (annualy) for ICICI Bank Platinum identity Credit Card.
**Finance charges on cash advances

1.99%(Monthly), 26.68% (Annually) for Cash Card.

2.75% (Monthly), 38.48% (Annually) for ICICI Bank Signature Credit Card.
3.40% (Monthly), 49.36% (Annually) for Blue silver & Gold cards, irrespective of the date of transaction
0% (with Annual fee) /1.49%/1.99% (monthly) for EMI Card (as per applicable Finance Charges on Retail transaction).
Cash Advance - Transaction Fee

On Easy Deposit Card - Nil for ICICI Bank ATM withdrawals

Rs. 151 per transaction for Cash Card
2.50% on advanced amount, subject to a minimum of Rs. 300
2.99% on advanced amount, subject to a minimum of Rs. 299 on EMI Card
Dial-a-Draft – Transaction Fee

3% of the draft value amount subject to a minimum of Rs.300

2.99% on draft value amount, subject to a minimum of Rs. 299 on EMI Card
Minimum Ticket Size ** Rs. 1,000
Late Payment Charge 30% of minimum amount outstanding, subject to min. of Rs. 400 and max. of Rs. 600
Charges in case of excess payment over EMI Amt Due (EAD) ** Rs. 199 for every payment above the EA
Transaction fee ** Rs. 149 per transaction on EMI Card
Over-Limit Charge 2.5% of over limit amount, subject to a minimum of Rs. 500
Return of Cheque Rs. 250
Outstation Cheque processing Fee 1% of the cheque value, subject to a minimum of Rs. 100
Duplicate statement request (beyond 3 Months) Rs. 100
Replacement Card Rs. 100
Fee on Cash payment at Branches Rs. 100
Charge-slip request Rs. 100
Railway Booking Surcharge 1.80% for Internet transactions and 2.5% for other bookings
Fuel Surcharge

2.5% or Rs.10 whichever is higher (Nil on select cards)

0% at select HPCL pumps on select cards (maximum of Rs.3,000 per transaction)
Services Charge - Utility Bill Payment Nil
Foreign Currency Transactions 3.50%
Service Tax As may be applicable from time to time, presently @ 12.36% (Applicable on all fees, interest and other charges only)
Annual Fee**

For 0% finance rate and EAD of Rs.2,000, the annual fee would be Rs.2,000. For 0% finance rate and EAD of Rs.4,000, the annual fee would be Rs.3,500. Joining Fee:Rs 25000 + applicable service tax and Rs 2500 annual fee from 2nd year onwards for ICICI Bank Signature Credit Card.
Annual fee of Rs.2000 for 1st year and Rs.1000 from 2nd year onwards for ICICI Bank Platinum identity Credit Card.

* - The rate of interest is initially 3.40% p.m. (49.36% annualised) for all blue, silver and gold cards and 3.15% p.m. (45.09% annualised) for platinum and titanium cards, effective June 1, 2008.
  -
In case of default, Interest Charges may increase up to a maximum of 3.40% p.m. (49.36% annualized).
** -
Applicable for EMI Card only
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Documents Required
For the Salaried

Public Ltd. company / MNC / Govt. organization:
Any one of: Pay slip / Salary Certificate / Income Tax returns / Form 16

Proprietorship / Partnership / Pvt. Ltd. company:
Pay slip / Income Tax returns / Form 16

For the Self-Employed Income Tax returns
Other bank card documents / Specific club memberships required for the EMI card
 
 USEFUL INFORMATION
1
If a cheque sent by you is not honoured, or must be returned because it cannot be processed for any reason, a fee of Rs. 250 per cheque will be charged. Such instances may also  impact your credit standing adversely.
2
All contents of this statement shall be deemed to be correct and accepted by you, unless you inform us of any discrepancies within 30 days of the date of this statement, and we find these to be true. On receipt of such information, we may reverse the charges on a temporary basis. If on completion of the consequent investigation we are satisfied that the liability of such charge is to your account, we will reinstate the charge in a subsequent statement.
3 For any statement-related query, please call the 24-hour Customer Care number in your city.
4 All charges are subject to change without prior notice at the sole discretion of ICICI Bank.
5
When you use the card overseas, please ensure that the use is strictly in accordance with RBI regulations pertaining to overseas spending, as prevailing from time to time. The cards are not valid for payments in foreign exchange at merchant locations in Nepal and Bhutan.
Please note that you are individually liable for compliance with the RBI regulations on foreign exchange.
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