Credit Cards

Apply Online for Instant Gold Credit Card in India - ICICI Bank

ICICI Bank Instant Gold Credit Card

Apply Online

Instant Gold Credit Card Benefits

  • Walk into a branch and walk out with a credit card! Instant issuance against your Fixed Deposit
  • Easy credit for all your needs : Low interest charges of 2.49% per month with up to 48 days of interest-free credit on your purchases
  • Enjoy 1 PAYBACK point per Rs. 100 spent Redeem your reward points for exciting gifts from the PAYBACK rewards catalogue at
  • Fuel surcharge waiver across select HPCL pumps* (At select HPCL pumps on ICICI Bank machine on a maximum transaction of Rs. 3000)
  • Internationally valid credit card with Global Emergency Assistance Services.
  • Get information when you need it and where you need it with access to internet banking, mobile alerts and email statements.

Instant Gold Credit Card Fees and Charges

(a) Schedule of Fees and Charges:

1. Joining Fees, Annual Fees and Supplementary Card Fees:

ICICI Bank Card Variant Joining Fee (1st year) Rs. Annual Fee (1st year) Rs. Annual Fee (2nd year onwards) Rs. Supplementary Card Fee (Annually) Rs.
ICICI Bank Instant Gold Credit Card Nil Nil Nil Nil

2. Finance Charges:

ICICI Bank Card Variant Overdue interest on extended credit Interest on cash advances
Monthly Rate Annual Rate Monthly Rate Annual Rate
ICICI Bank Instant Gold Credit Card# 2.49% 29.88% 2.49% 29.88%

3. Other Fees and Charges:

Cash advance – transaction fee 2.50% on advanced amount, subject to a minimum of Rs.300
Dial-a-draft – transaction fee 3% of the draft value amount subject to a minimum of Rs.300
Late payment charges 30% of Minimum Amount Due (subject to a minimum of Rs.400 and a maximum of Rs.700#)
Over-limit charges* 2.50% on the over-limit amount (subject to a minimum of Rs.500))
Return of cheque Rs.250 per returned cheque
Auto-Debit return fee Rs.250 per Auto-debit return
Fee on cash payment at branches Rs.100 per payment transaction
Outstation cheque processing fee 1% of the cheque value, subject to a minimum of Rs.100
Duplicate statement request (beyond 3 months) Rs.100
Card replacement fee Rs.100
Cheque / Cash pick-up fee Rs.100 per pick-up
Chargeslip request Rs.100 per chargeslip
Services charges – utility bill payment NIL
Foreign currency transactions** Mark-up of 3.50%
Railway booking – surcharge 1.80% of transaction value for Internet transactions and 2.50% for other bookings
Fuel surcharge Surcharge waiver of 2.5% of transaction value on HPCL petrol pumps (this offer is valid on a maximum transaction of Rs.3000 when the payment is made by swiping the card on ICICI Bank swipe machines
Service Tax As may be applicable from time-to-time, presently @ 10.30% (applicable on all fees, interest and other charges)

Over-Limit Fee: Bank may approve certain transactions attempted by the Card Member which can breach the credit limit, as a service gesture. Please note that if the outstanding amount exceeds the credit limit, an over-limit fee of 2.5% of the over-limit amount (subject to a minimum of Rs.500) will be levied. Over-limit status may also happen because of fees or interest charges.

#w.e.f. 1st March 2011

**Charges in foreign currency: If a transaction is made in a currency other than Indian Rupees, that transaction will be converted into Indian Rupees. The conversion will take place on the date the transaction is settled with ICICI Bank, which may not be the same date on which the transaction was made. If the transaction is not in US Dollars, the conversion will be made through US Dollars, by converting the charged amount into US Dollars and then by converting the US Dollar amount into Indian Rupees. Unless a specific rate is required by applicable law, the conversion rate from US Dollar to Indian Rupees will be at the rates provided by VISA, MasterCard and AMEX on the settlement date, increased by a Currency Conversion Factor assessment (currently 3.50%) on such transactions.