Debit Card benefits

With the ICICI Bank Debit Card issued with the ICICI Bank Advantage Woman Aura Savings Account, a working woman can get cashback of up to Rs 750 per month on dining, entertainment and jewellery purchases. Further, the account holders will be eligible for free access to ATMs of all the banks, within India.

Best loan offers for women

  • Home Loan: Enjoy triple benefits - of lower rates, discounts on the processing fee and getting a home in your name
  • New Home Loan: 50% waiver on the processing fee (0.25% instead of 0.50%)
  • Top-up on the existing Home Loan: 50% waiver on the processing fee (0.5% instead of 1%).

iProtect Smart

You have an option to avail an iProtect Smart Life Cover, along with your Advantage Woman Savings Account.

  • ICICI Prudential’s iProtect Smart Life Cover provides protection against death, critical and terminal illness, as well as disability, along with the following benefits:
    • Coverage against 34 critical illnesses* including female organ cancers, such as breast cancer and cervical cancer
    • Additional cover on death, due to accident
    • Tax benefits under Section 80C and 80D. *
  • Benefit of Rs 4 lakh and Rs 3 lakh each, for ladies aged between 21 to 35 years of age and between 36 to 50 years of age respectively, starting at a monthly premium of Rs 200, as explained here:

Corporate Agency disclaimer: ICICI Bank Limited ("Bank") with registered office at Landmark, Race Course Circle, Vadodara 390 007, is licensed as a corporate agent (license no.: 2470377) of ICICI Prudential Life Insurance Company Limited (‘ICICI Prulife’) having its registered office at ICICI PruLife Towers, 1089, Appasaheb Marathe Marg, Prabhadevi, Mumbai-400025. Insurance is underwritten by ICICI Prulife. Bank's customer participation in the policy is entirely voluntary.

#The Critical Illness Benefit is accelerated and not an additional benefit, which means the policy will continue with the Death Benefit reduced by the extent of the Critical Illness Benefit paid. To know more about the illnesses which are covered, please refer to the sales brochure.

*Tax benefits under the policy are subject to conditions under Sec. 80C, 80D and Sec 10(10D) of the Income Tax Act, 1961. Service tax and Swachh Bharat cess will be charged extra, as per applicable rates. Tax laws are subject to amendments, from time to time.

BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS/FRAUDULENT OFFERS.

IRDAI clarifies to the public that:

IRDAI or its officials are not involved in activities like the sale of any kind of insurance or financial products nor invest in premiums.

IRDAI does not announce any bonus. Public receiving such phone calls are requested to lodge a police complaint, along with the details of the phone call or number.

Money Multiplier Plan

Let your money multiply

The Money Multiplier feature gives you the liquidity of a Savings Account coupled with the high earnings of a Fixed Deposit. This is achieved by creating a Fixed Deposit linked to your Savings Account, providing you with the following unique facilities:

Your money is never idle. Creation of a linked FD ensures a higher rate of interest on your Savings Bank Deposits. You can issue instructions through any channel, such as the ICICI Bank Branch, ICICI Bank Phone Banking and ICICI Bank's Internet Banking for creation of a Fixed Deposit(s) from the surplus funds in your Savings Bank Account (subject to a minimum amount of Rs 10,000). The Fixed Deposits will be created in multiples of Rs 5,000, for a tenure of one year or more, as instructed by you.

You can withdraw the funds from your Savings Account through any channel, such as the ICICI Bank ATM, ICICI Bank Internet Banking or by issuing a cheque etc. All linked Fixed Deposits will be enabled for an automatic Reverse Sweep in multiples of Rs 5,000 on a Last-In-First-Out (LIFO) basis, when the balance in the Savings Account falls below Rs 10,000. The amount reverse swept will earn interest rates at the applicable rate for the period that the deposit was held with the Bank, with a less applicable premature withdrawal penalty. The remaining amount will continue to earn higher interest at the original rate applicable to the Fixed Deposit.

Under this facility, when your deposits fall due, the bank will automatically renew the principal and accrued interest for the same tenure as the original deposit.

Identity and address proof

Any one of the following documents would serve as proof of identity and address (OVD) of the Customer:

  • Passport
  • Driving Licence issued by the Regional Transport Authority
  • Voter ID
  • Job card issued by NREGA, signed by a State Government Officer
  • Letter from the National Population Register
  • Proof of possession of a complete Aadhaar number.

PAN Card issued in India is no longer considered a valid proof of identity.

Communication address proof

If the above address proof does not contain your communication address, then the following documents can be considered as proof of address. In such cases, the customer has to update the OVD with a communication address and submit it to the bank within 3 months of account opening.

  • Utility Bill, not older than 2 months (electricity, telephone, post-paid mobile phone, piped gas, water bill)
  • Property Tax Bill or Municipal Tax receipt, not older than one year
  • Letter of Allotment for accommodation from the employer issued by the State Government or Central Government Departments, statutory or regulatory bodies, public sector undertakings, scheduled commercial banks, financial institutions and listed companies
  • Leave and Licence agreement with any of the above employers. Agreement to contain the customer’s name as the employee
  • Pension or family pension payment orders issued to retired employees by the government departments or public sector undertakings, if they contain the address.

Advantage Woman Aura Regular Savings Account

Monthly Average Balance (MAB): Rs 10000

Benefits:

  • Cashback up to Rs 750 per month on Debit Card usage
  • Free unlimited access to ATMs of all banks
  • 50% off on locker rentals.

Advantage Woman Aura Silver Savings Account

  • Amazon voucher worth Rs 250 on doing one digital transaction and maintaining the Monthly Average Balance (MAB) for the first 3 months after account opening/upgrade.
  • Amazon voucher worth Rs 250 on opting for any 2 attachments out of the Systematic Investment Plan (SIP)/Public Provident Fund (PPF)/Auto Debit within the first 3 months of account opening/upgrade.

MAB: Rs 25000

Benefits:

  • Cashback up to Rs 750 per month on Debit Card usage
  • Free unlimited access to ATMs of all banks
  • 50% off on locker rentals

Advantage Woman Aura Gold Savings Account

  • Rs 250 discount, every month, on BigBasket on a minimum purchase of Rs 1,000.
  • Amazon voucher worth Rs 250 on doing one digital transaction and maintaining MAB for the first 3 months after account opening/upgrade
  • Amazon voucher worth Rs 500 on opting for any 2 attachments out of SIP/PPF/Auto Debit within the first 3 months of account opening/upgrade.

MAB: Rs 50000

Benefits:

  • Cashback up to Rs 750 per month on Debit Card usage
  • Free unlimited access to ATMs of all banks
  • 50% off on locker rentals
  • Priority processing at branches
  • Exclusive zones at branches
  • Waiver on Trading Account opening fee of Rs 975 and first year Demat Annual Maintenance Charges (AMC) of Rs 500

Advantage Woman Aura Magnum Savings Account

  • Vouchers worth Rs 2,000 from Shoppers Stop
  • Rs 250 discount every month on BigBasket on a minimum purchase of Rs 1,000
  • Amazon voucher worth Rs 500 on doing one digital transaction and maintaining MAB for the first 3 months after account opening/upgrade.
  • Amazon voucher worth Rs 1,500 on opting for any 2 attachments out of SIP/PPF/Auto Debit within the first 3 months of account opening/upgrade.

MAB: Rs 100000

Benefits:

  • Cashback up to Rs 750 per month on Debit Card usage
  • Free unlimited access to ATMs of all banks
  • 50% off on locker rentals
  • Complimentary airport lounge access, one per quarter
  • Priority processing at branches
  • Waiver of Demand Draft (DD)/Pay Order (PO) charges for up to Rs 2 lakh per day
  • Exclusive Privilege Banking zones in branches
  • Waiver on Trading Account opening fee of Rs 975 and first year Demat AMC of Rs 500

Advantage Woman Aura Titanium Savings Account

  • Vouchers worth Rs 3,000 from Shoppers Stop
  • Rs 250 discount every month on BigBasket on minimum purchase of Rs 1,000.
  • Amazon voucher worth Rs 1,000 on doing one digital transaction and maintaining MAB for the first 3 months after account opening/upgrade
  • Amazon voucher worth Rs 3,000 on opting for any 2 attachments out of SIP/PPF/Auto Debit within the first 3 months of account opening/upgrade.

MAB: Rs 200000

Benefits:

  • Cashback up to Rs 750 per month on Debit Card usage
  • Free unlimited access to ATMs of all banks
  • 50% off on locker rentals
  • Complimentary airport lounge access, two per quarter
  • Waiver on Trading Account opening fee of Rs 975 and first year Demat AMC of Rs 500
  • Nil charges for DD drawn on ICICI Bank by cheque/ fund transfer
  • Dedicated Relationship Manager
  • Priority processing at branches
  • Exclusive Privilege Banking zones in branches.
Age
18 years and above
Resident
Indian working woman
Applicant
Primary Applicant
Savings Account
Standalone Basis
MAB to be Maintained(Regular variant)
Rs 10000

To Apply

Apply Online
Apply for savings account online
SMS
Send an SMS 'TAB' to 5676766
ICICI Bank Branches
Walk in to your nearest ICICI Bank Branch. Click here to locate your nearest ICICI Bank Branch.

Popular FAQs

What is an ICICI Bank Advantage Woman Aura Savings Account?

An account especially created for today’s working women, with benefits up to Rs 40,000#, on using the account.

  • Unlimited free cash withdrawals at ATMs of any bank
  • Gift vouchers, cashbacks and exciting offers on shopping, travel, jewellery and more#
  • Discounted processing fee on Home, Auto, Two-Wheeler and Personal Loans.

#Applicable on spends using ICICI Bank Internet Banking, Credit or Debit Card.

Is this account only for working women?

This Account is only for working women. The eligibility is as below –

  • Resident Indian Working Woman
  • Age – 18 years and above
  • Mode of operation – A woman should be the primary applicant.
How does one open an Advantage Woman Aura Savings Account online?

Advantage Women Aura Savings Account cannot be opened online. It can be opened through the below channels –

You can apply for an ICICI Bank Savings Account through any of the below channels.

  • Invite our Tab Banking Officer, to open your account
  • Call on our Toll Free number 1800 200 3045
  • Place a request through our website
  • Walk into any of our branches.
What is the minimum account balance required?

The minimum Monthly Average Balance (MAB) required to be maintained for an Advantage Woman Savings Account is Rs 10,000; the minimum Monthly Average Balance (MAB) varies as per the Savings Account variant.

Variant Type Advantage Woman Aura Regular A/c Advantage Woman Aura Silver A/c Advantage Woman Aura Gold A/c Advantage Woman Aura Magnum A/c Advantage Woman Aura Titanium A/c
Minimum Average Balance Rs 10,000 Rs 25,000 Rs 50,000 Rs 100,000 Rs 200,000
What are the documents required?
  • Identity Proof
  • Address Proof
  • Proof of Occupation.

PAN Card issued in India is no longer considered a valid proof of identity.

What are the charges for maintaining an Advantage Woman Aura Savings Account?
Is there any age limit to open this women’s Savings Account?

The age should be between 18 – 59 years, for opening an Advantage Women Aura Savings Account.

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