Fees and Charges

Types of Fees and Charges Silver / Gold Platinum
Finance Charges CCCL/CCSL and on Gold (Insurance Premium) Card: No revolving credit facility. Gold and Silver (CCIL): 3.40% monthly. CCCL/CCSL Card: No revolving credit facility. CCIL: 3.15% monthly.
Overdue interest charges on a monthly and annualised basis Not Applicable for CCCL and CCSL. For CCIL: Silver and Gold: 3.40% monthly and 40.8% annually. Not Applicable for CCCL and CCSL. For CCIL: 3.15% monthly and 37.8% annually.
Interest Free (grace) Period For CCIL: Silver / Gold: Up to a maximum of 48 days of interest-free credit period. For CCSL/CCCL: Silver: Up to a maximum of 50 days of interest-free credit period. Gold: Up to a maximum of 50 days. Gold (Insurance Premium) Card: Up to a maximum of 40 days. (applicable only on retail purchases and if the previous month's outstanding balance is paid in full) For CCIL: Up to a maximum of 48 days of interest-free credit period. For CCSL/CCCL: Up to a maximum of 50 days of interest-free credit period. (applicable only on retail purchases and if the previous month's outstanding balance is paid in full)
Joining Fees for Primary Cardholder and Add on Cardholder NIL for all except Gold (Insurance Premium) Card: Rs. 100+ Service Tax NIL
Annual Membership Fees Gold and Silver: NIL. Add-on card: Not Applicable. Platinum: Rs 999 + Service Tax. Add-on card: Not Applicable.
Replacement Card Fees Rs. 100 Rs. 100
Charges in case of default CCCL/CCSL and Gold (Insurance Premium) Card: 3% of the Total Amount Due subject to a minimum of Rs. 400. CCIL: 30% of the Minimum Amount Due subject to a minimum of Rs. 400 and a maximum of Rs. 600. CCCL/CCSL: 3% of the Total Amount Due subject to a minimum of Rs. 400. CCIL: 30% of the Minimum Amount Due subject to a minimum of Rs. 400 and a maximum of Rs. 600.
Cash Advance Fees Gold and Silver: 2.5% subject to a minimum of Rs. 300. Gold (Insurance Premium) Card: No Cash Advance. Platinum: 1% subject to a minimum of Rs. 100. Platinum (CCIL): 2.5% subject to a minimum of Rs. 300.
Duplicate Statement Fees Rs.100 Rs.100
Cheque/ECS return Fees Rs. 250 Rs. 250
Foreign Currency Transactions 3.5% 3.5%
Charge slip Retrieval Fees Rs. 100 Rs. 100
Outstation Cheque Processing Fees 1% of value of cheque subject to min of Rs.100 0.5% of value of cheque subject to min of Rs.100
Railway Booking Surcharge 1.8% for Internet transaction and 2.5% for other bookings 1.8% for Internet transaction and 2.5% for other bookings
Dial-a-Draft Transaction Fee 1% of the Value subject to a minimum of Rs. 100. 1% of the Value subject to a minimum of Rs. 100.
Fuel Surcharge 2.5% of transaction value or Rs.10 whichever is higher. Surcharge Waiver of 2.5% of transaction value on HPCL Petrol Pumps on select cards (this offer is valid on a maximum transaction of Rs. 3000, when the card is swiped on ICICI Bank swipe machine). Surcharge Waiver of 2.5% of transaction value on all Petrol Pumps.
Fees on Cash Payment at branches Rs. 100 Rs. 100
Service Tax Service Tax is revised to 15% w.e.f. June 1, 2016. Revised rate includes Krishi Kalyan Cess 0.5% & Swachh Bharat Cess of 0.5% & is applicable on all fees & charges. Service Tax is revised to 15% w.e.f. June 1, 2016. Revised rate includes Krishi Kalyan Cess 0.5% & Swachh Bharat Cess of 0.5% & is applicable on all fees & charges.