Terms & Conditions

ADDENDUM TO THE EXISTING TERMS AND CONDITIONS OF STANDARD SAVINGS ACCOUNT

These Terms (the “Special Terms”) applicable to ICICI Bank’s Women’s Savings Account (the “Account ”) are in addition and not in derogation to ICICI Bank’s Savings Bank Account terms and conditions (the “Terms”) published on the ICICI Bank website at http://www.icicibank.com/. In case of any inconsistency between these Special Terms and the Terms, these Special Terms shall prevail. All capitalized terms used herein but not defined shall have the same meaning as prescribed under the Terms.

1. Definitions:

The following words and phrases shall have the meanings as set herein below unless the context indicates otherwise:

i. "Customer" refers to Resident Indian Women holding an Account with ICICI Bank.

2. Operating Accounts

a) An Account may be opened:
(i) By the Customer in her own name.
(ii) Two or more persons in their joint names, however the primary account holder shall be a resident Indian woman.

b) All the Accounts maintained in the name of an individual shall be operated singly by the individual or the Power of Attorney holder / mandate holder of such individual and in the case of joint accounts, by the account holders jointly, or by either of the joint-holder/s or as may be specified by the joint account holder/s in the opening form, or by their Power of Attorney holders / mandate holders and accepted by ICICI Bank in its discretion.

c) The Customer shall be required to maintain minimum quarterly average balance (QAB) of Rs. 10000. Failure to maintain the prescribed QAB may attract service charges of Rs. 750 per quarter. and such charges may be deducted by ICICI Bank from the Customer's Account The Customer shall not be required to maintain the above QAB provided; the Customer opens a recurring deposit of minimum Rs.2000 in the manner prescribed by ICICI Bank. However, the Customer can enjoy the benefits of zero QAB for the Account so long as the recurring deposit is active. In the event the recurring deposit is inactive / closed, failure to maintain prescribed minimum QAB would attract levying of service charges of Rs. 750 per quarter and such charges may be deducted by ICICI Bank from the Customer's Account. The Customer agrees to abide by the terms and conditions of the ICICI Bank’s Recurring Deposit Account which shall be applicable to her upon placing recurring deposit with ICICI Bank.

d) ICICI Bank may send statement of account, through courier / post or e-mail from time to time as requested by the Customer to the mailing address furnished by her. The Customer shall be provided with a copy of the monthly statement for the previous month if she requests for the same at ICICI Bank’s branch without any charges.

e) The Customer shall be issued non personalized payable-at-par Cheque-book consisting of 15 leaves along with the I-KIT free of charge.

Terms and Conditions for Woman’s Debit Card

These terms (“Terms”) for ICICI Bank’s Women Debit Cardholders (“Woman Cardholder”) apply to and regulate the issuance and usage of ICICI Bank’s Woman Debit Card (“Women Debit Card”) that is only offered to primary account holders of ICICI Bank’s Woman’s Savings Account. These Terms are in addition and not in derogation to the standard terms and conditions of ICICI Bank’s Debit Card (“Debit Card”). In case of any inconsistency between these Terms and Debit Card terms and conditions, these Terms shall prevail. All capitalized terms used but not defined herein shall have the respective meanings ascribed to it in the Debit Card terms and conditions

The Woman Debit Card shall be issued at an annual fee of Rs.99/- and which fees shall be subject to change, at the sole discretion of ICICI Bank, post giving a one-month prior notice to the Woman Cardholder. For any other fees and charges applicable on the Woman Debit Card, the Woman Cardholder shall need to refer to the details in the Tariff Annexure of Debit Card.

The Woman Cardholder shall have a daily cash withdrawal limit / spending limit of Rs. 25,000, the same being subject to change on at the sole discretion of ICICI Bank.

The ICICI Bank may also offer additional benefits in the form of promotional offers (“Promotional Offer”) to Woman Cardholder/s. These Promotional Offer/s may be brought to the Woman Cardholder from time to time based on additional terms and conditions which shall be communicated with such Promotional Offer/s.

Disclaimer:
*ICICI Bank may, at its sole discretion, utilise the services of external service provider/s or agent/s and on such terms as required or necessary, in relation to its products