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Credit Cards Eligibility & Fees

 

Eligibility Criteria
Cards   Eligibility Criteria
  Salaried Self Employed
Amway / Big Bazaar / BPL Mobile / HPCL Silver / Mini / Pru Life / Sterling Silver / Trinethra / True Blue / True Value / Affinity / Cash card -silver/ American Express® Green
 Rs. 96,000/- p.a. Rs.1,00,000/- p.a.
Solid Gold / HPCL Gold / Affinity Gold / Cash Card -Gold/ American Express® Gold
 Rs. 1,20,000/- p.a. Rs. 1,00,000/- p.a.
Titanium
 Rs. 3,60,000/- p.a. Rs. 3,60,000/- p.a.
Platinum
 Rs. 4,80,000/- p.a. Rs. 4,80,000/- p.a.
Signature Rs. 14,40,000/- p.a. Rs. 14,40,000/- p.a
Ascent Card Rs. 7,20,000/- p.a. Rs. 7,20,000/- p.a.
EMI Card* Rs. 1,20,000/- p.a. -

# Applicable on Minimum Amount Due subject to minimum of Rs. 250/- and maximum of Rs. 500/-.

*Self Employeed-Other Bank Card documents/Specific Club memberships required for the EMI card

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Age Criteria
  Minimum Age Maximum Age*
Salaried 21 58
Retired N/A 65
Self Employed 21 65

*65 years in all 3 categories for the EMI card

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Applicable Fees and Charges
**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
2.75% (Monthly) 38.48% (Annually) for ICICI Bank Ascent American Express Card
3.15% (monthly),45.09%(Annually) for Platinum Premier credit card w.e.f March 1st 2008
3.15% (Monthly) 45.09% (Annually) for all other 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 cash advances

1.99%(Monthly), 26.68% (Annually) for Cash Card.
2.75% (Monthly), 38.48% (Annually) for ICICI Bank Signature Credit Card.
2.75% (Monthly) 38.48% (Annually) for ICICI Bank Ascent American Express Card
3.15% (Monthly), 45.09% (Annually) for all other 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 fees

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% w.e.f. Feb 01, 2008 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 1000
Late Payment Charges 30% of minimum amount outstanding (subject to min. of Rs. 350 and max. of Rs. 600).
*Charges in case of excess payment over EMI Amt Due (EAD) Rs. 199 for every payment above the EAD.
*Transaction fee Rs. 149 per transaction on EMI Card.
Over Limit Charges
2.5% on over limit amount (subject to a min. of Rs. 500).
Return of Cheque Rs. 250
Outstation Cheque processing fee 1% on the Cheque value, subject to a minimum of Rs. 100.
Non ICICI Bank ATMs access charges / Balance Enquiry charges

Rs. 30

Duplicate statement request (beyond 3 Months) Rs. 100
Replacement card Nil
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 selected cards).

0% at select HPCL pumps on select cards (max of Rs.3000 per transaction).
Services charges - 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.2000, the annual fee would be Rs.2000. For 0% finance rate and EAD of Rs.4000, the annual fee would be Rs.3500, Rs.2500 (For ICICI Bank Signature Credit Card ).

 

* Applicable for EMI Card only.

** -
The rate of interest is initially 3.15% p.m. (45.09% annualized). The applicable rate of interest for you will depend on your card usage pattern and payment record and is subject to periodic review. It may increase up to a maximum of 3.49% p.m. (50.93% annualized) in case of default.
  -
The rate of interest may go as low as 1.25% p.m. (16.08% annualized) depending on factors such as, but not limited to, credit history, purchase patterns, payment behavior, loyalty and month-on-book.

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Documents Required
For Salaried (any one)

Public Ltd / MNC / Govt:
Pay slip / Salary Certificate / Income Tax Returns / Form 16

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

Self Employed
Income Tax Returns
Other Bank Card Documents/Specific Club memberships required for the EMI card
 

If you are holding any Other Credit Card for last six months.

Please attach the following documents:

For Salaried and Self Employed:

  • Photocopy of your latest Credit Card Statement
  • Photocopy of your Credit Card Front
 
Balance Transfer
  • To avail of Balance Transfer facility, you must enclose a copy of your last Credit Card Statement of your Credit Card.
  • To be eligible for the program the minimum amount that can be transferred from any other Credit Card account (other than ICICI Bank Credit Card Account ) to ICICI Bank Credit Card is Rs, 2,000/-.

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 USEFUL INFORMATION:
1
In case 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 adversely impact your credit standing.
2
All contents of this statement shall be deemed to be correct and accepted by you, unless within 30 days of the date of This statement you inform us of any discrepancies, and these are found to be true by us. On receipt of Such information, We may reverse the charges on a temporary basis. If on completion of subsequent investigation, we are satisfied that the liability of such charge is to your account, we will re-instate the charge in a subsequent statement.
3
For any statement-related query, please call the Customer Care Centre in your city.
4
All charges are subject to change without prior notice at the sole discretion of ICICI Bank.
5
Please ensure that you use the card overseas strictly in accordance with RBI regulations pertaining to overseas spending, as prevailing from time to time. The Card is not valid for payments in foreign exchange at merchant location in Nepal and Bhutan.
 
Please note that you are individually liable for compliance with the RBI regulations on foreign exchange.

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