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Terms & Condition for Advantage Woman AURA Savings Account

(Last Updated on 4th June, 2019)

The Customer hereby agrees to adhere to and comply with all such terms and conditions, as may be prescribed by ICICI Bank or third parties from time to time, for all transactions, products and services for and in respect of the Account, or ICICI Bank's other products and services, shall constitute legally binding and valid transactions.

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:

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

2. Operating Account:

  1. An Account may be opened:
    1. By the Customer in her own name.
    2. Two or more persons in their joint names, however the primary account holder shall be a resident Indian woman.
  2. 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.
  3. 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.
  4. The Customer shall be issued non personalized payable-at-par Cheque-book consisting of 10 leaves along with the I-KIT free of charge.

3. The Customer shall be required to maintain the Monthly Average Balance (MAB) as per the respective variant, as specified in the Tariff of charges available in service and charges section. Non-maintenance of MAB shall attract penalty as specified in service and charges section.

4. Salary Credit Requirement for Advantage Woman Savings Account for Salary Account Customers will be as per the variant of Salary Account.

Salary Credit Requirement for Advantage Woman AURA Salary Account:

AURA Salary Account variantAURA Salary GoldAURA Salary Titanium
Minimum Net Salary per month* Rs. 35,000 in select cities** across India Rs. 1,00,000
Rs. 25,000 in remaining cities across India Rs. 1,00,000

*Minimum Net Salary as per the required norms above to be credited latest in 3 calendar months after account opening (including the month of account opening). For example, an account is opened on 11th December 2018. Minimum net salary as per the norms above to be credited latest on 28th February 2019.

**Select cities: National Capital Region, Mumbai Metropolitan Region, Kolkata, Chennai, Ahmedabad, Bangalore, Hyderabad, Pune, Jaipur, Cochin and Chandigarh.

In case the salary is not credited as per the required norms, benefits of Advantage Woman AURA Salary Account will be withdrawn and the Woman’s Debit Card will get hot-listed without any further/ prior notice.

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 Cards (“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 a nil annual fee. However, fees shall be subject to change, at the sole discretion of ICICI Bank, post giving a one-month prior notice to the Woman Cardholder as per the standard terms and conditions of ICICI Bank’s Debit Cards. 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 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.

The Woman’s Debit Card can be given to all Advantage Woman AURA Savings Account customers irrespective of the product variant they are holding.

  • Advantage Woman AURA Debit card will be issued to only those customers who are opening new Advantage Woman AURA Savings Account effective from 10thDecember 2018
  • Advantage Woman AURA Debit card will be deactivated upon closure of the account
  • Advantage woman AURA debit card will be delivered to woman customer as per their Savings Account variant within 45 days of account opening.
  • Offers on debit card are subject to the Savings Account variant opted by the customer and are subject to change from time to time at the sole discretion of ICICI Bank. The Customer shall be responsible for regularly reviewing the terms and conditions including amendments thereto as may be posted on the Website.
  • Cashback shall be provided on the basis of total spends in the account through the Debit Card subject to the terms and conditions applicable thereto.
  • Cashback is provided on and is subject to the savings account variant opted by the Customer.

Joining benefits:

Shoppers Stop

For Advantage Woman Aura Magnum & Titanium Savings account holders

(coupon code shall be shared through email)

  • The offer is valid only for orders placed on www.shoppersstop.com and on the Shoppers Stop Shopping App
  • Maximum discount applicable is Rs 500 against each voucher code
  • Customer need to purchase for Rs 501 and above to avail the voucher code
  • To avail this discount, please type the coupon code in the 'Coupon Code' box provided on the shopping bag page during checkout
  • The offer is valid on purchase only through ICICI Bank Debit/ Credit card & Internet Banking
  • The discount will not be applicable on Fine Jewellery, Gold & Silver Jewellery, Gold Coins, Gift Vouchers/Cards/Topups, E-Gift Vouchers, First Citizen membership card
  • The offer is valid only for successful/approved transactions
  • No two offers can be available simultaneously
  • Standard www.shoppersstop.com Terms & Conditions apply
  • The discount offer cannot be combined or exchanged with any other offer provided by www.shoppersstop.com
  • The Approval of the order is at the sole discretion of www.shoppersstop.com
  • Shoppers Stop Ltd. Reserves the right at any time, without notice, to add/alter/change/ or vary any or all of these terms and conditions or to replace, entire or in part, this offer by another offer, whether similar to this offer or not, or to withdraw it altogether
  • In the event of non-happening, cancellation or partial happening of the offer for reasons beyond anybody's control or Act of God, neither Shoppers Stop nor their agent, sponsors nor their agent, successors or assigns shall be liable to any of the customers participating in the offer
  • By participating in the promotional offer, the Customers shall be deemed to have accepted these Terms and Conditions
  • Any disputes arising out of this offer shall be subject to the exclusive jurisdiction of courts in Mumbai only
  • No return or exchange is allowed on Gift Vouchers, Fine Jewellery, Gold Jewellery, Gold Coins, Undergarments, Altered Garments, Cosmetics & Perfumes, Sunglasses, First Citizen Card and Watches for hygiene and other reasons

Bigbasket

Rs 250 instant discount on a minimum order of Rs.1000 every month

(The promo code will be shared over email)

  • Maximum discount of Rs.250
  • Valid once per user per month
  • Offer valid on payment through ICICI Bank Advantage Woman Debit Card
  • Offer applicable on website and app & m-site on the usage of the coupon code (coupon code shall be shared through email)
  • Offer not valid on Net Banking
  • Offer not valid on card on delivery
  • Cannot be clubbed with any other offer
  • Offer valid till September 30, 2019
  • bigbasket has the right to cancel orders if found to be of fraudulent nature
  • bigbasket & ICICI Bank reserves the right to change / modify / add / delete any of the terms and conditions of the offer at any time without notice
  • Offer not applicable on products from bigbasket Specialty Store

Ola

Instant discount voucher

(voucher coupon code shall be shared through email)

  • Offer valid for a limited time period only
  • Offer code applicable once per user only
  • Offer applicable for within city travel only.
  • Ola reserves the right to modify/withdraw offers at its sole discretion.

Additional Benefits

i. Purplle

Vouchers for Advantage Woman Aura Silver, Gold, Magnum & Titanium Savings account holders

(coupon code shall be shared through email)

  • Eligibility:
    • Maintenance of MAB for the first 3 months from the date of account opening
    • At least one digital transaction in the first 3 months from the date of account opening
  • Use the voucher code mentioned to avail the offer
  • In case of complete or partial order cancellation / return, discount amount will be no longer applicable
  • For any other queries on Purplle, please email at customercare@purplle.com
  • Purplle reserves the right to amend, modify, change, add or terminate (collectively change) the terms, contained herein at our sole discretion or withdraw this offer without any further notice.
  • We reserve the right to restrict discount from any account with suspicious behaviour or invalid details/credentials.

ii. Amazon

  • Vouchers for Advantage Woman Aura Silver & Gold Savings account holders
  • (coupon code shall be shared through email)
  • Eligibility:
    • Subscribing and activating any two of the following:
      • PPF
      • SIP
      • Auto Debit (Balance transfer will not be considered)
    • In the first 3 months from the date of account opening

iii. Mia by Tanishq

Vouchers for Advantage Woman Aura Magnum & Titanium Savings account holders

(coupon code shall be shared through email)

  • Eligibility:
  • Subscribing and activating any two of the following:
    • PPF
    • SIP
    • Auto Debit (Balance transfer will not be considered)
  • In the first 3 months from the date of account opening
  • Gift Vouchers are valid only for the purchase of Mia Jewellery from any authorized Mia Showroom
  • Gift Vouchers are only an entitlement to credit to the extent of their face values and are non-encashable
  • Gift Vouches are valid for SIX MONTHS from the month/ date of issue.
  • Gift Vouchers are not legal tenders.
  • End Purchase value at the time of redemption must be more than or equivalent to face value/s of Gift Voucher/s.
  • No Cash/Money Refund against Gift Voucher/s, under any circumstances.
  • Gift Voucher/s is/are one form of Money and has no relation with price/s of Jewellery.
  • End User/s will be charged as per prevailing Gold Rate/Silver Rate/ Store Prices along with Making charges and Tax.
  • Torn, defaced, unreadable, damaged and expired voucher/s will not be accepted for redemption.

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

The promotional offers/benefits shall be governed by the relevant terms and conditions of each offer/benefit and shall be subject to the terms as may be specified by the third parties involved with the offer/benefit.

Corporate Agency disclaimer: ICICI Bank Limited ("ICICI Bank") with registered office at ICICI Bank Tower, Near Chakli Circle, Old Padra Road, Vadodara, 390 007, Gujarat (CIN: L65190GJ1994PLC021012) is a corporate agent (Composite, IRDAI Regn No.: CA0112 valid till 31/03/2019) of ICICI Prudential Life Insurance Company Limited ("ICICI Prulife"). Insurance is underwritten by ICICI Prulife. Purchase by ICICI Bank’s customer of any insurance products is purely voluntary, and is not linked to availment of any other facility from ICICI Bank. The products, services and benefits referred to herein are subject to terms and conditions governing them as specified by ICICI Prulife from time to time. ICICI Bank shall not be liable or responsible for any loss resulting from insurance company's products/ services.

BEWARE OF SPURIOUS / FRAUD PHONE CALLS!

  • IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums.
  • Public receiving such phone calls are requested to lodge a police complaint.