Changes to ICICI Bank Credit Card Features and Charges
Airport Lounge Access:
Starting Jan 01, 2025, you can enjoy complimentary lounge access at domestic airports by spending ₹ 75,000 on certain ICICI Bank Credit Cards. Spends made in the previous calendar quarter will unlock access for the subsequent calendar quarter. For example, to be eligible for complimentary lounge access in the quarter of Jan 2025 to Mar 2025, you need to spend a minimum of ₹ 75,000 in the quarter of Oct 2024 to Dec 2024 and similarly for subsequent quarters. The number of complimentary accesses varies as per the Card.
Please go through the below illustration to understand the Spend period along with the Lounge eligibility period
S. No. |
Spend period |
Lounge eligibility period |
1 |
Spend ₹ 75,000 between Sep 26, 2024 and Dec 25, 2024 |
Get complimentary lounge access(es) between Jan 01, 2025 and March 31, 2025 |
2 |
Spend ₹ 75,000 between Dec 26, 2024 and Mar 25, 2025 |
Get complimentary lounge access(es) between Apr 01, 2025 and June 30, 2025 |
3 |
Spend ₹ 75,000 between Mar 26, 2025 and Jun 25, 2025 |
Get complimentary lounge access(es) between July 01, 2025 and Sep 30, 2025 |
4 |
Spend ₹ 75,000 between Jun 26, 2025 and Sep 25, 2025 |
Get complimentary lounge access(es) between Oct 01, 2025 and Dec 31, 2025 |
This updated criterion for availing complimentary domestic airport lounge access will be applicable for all eligible ICICI Bank Credit Cards except:
ICICI Bank Diamant Credit Card
ICICI Bank Emeralde Private Metal Credit Card
ICICI Bank Emeralde Private Credit Card
ICICI Bank Emeralde Credit Card
ICICI Bank Emirates Emeralde Credit Card
Adani One ICICI Bank Signature Credit Card
Adani One ICICI Bank Platinum Credit Card
MakeMyTrip ICICI Bank Credit Card.
Dynamic Currency Conversion (DCC):
Starting Feb 05, 2024, a DCC fee of 1% plus taxes will be applicable on each International transaction carried out in Indian currency at an International location or transactions carried out in Indian currency with merchants located in India but registered in a foreign nation. This change will apply to all ICICI Bank credit cards.
Rewards on Rent Payment and E-Wallet Loading:
From Feb 05, 2024, rent pay and e-wallet loading transactions will not accrue any reward points.
This change will not apply for Amazon pay ICICI Bank credit card
Rewards on Utility Payments
You will continue to earn reward points on utility transactions as offered on your card. Starting Feb 05, 2024, the government transactions will be included under utility payment transactions. This change will apply to all ICICI Bank credit cards.
FAQ
Eligible cardholders need to present their valid, unexpired cards, and a valid air ticket or boarding pass for travel on the same or next day at the entrance of the participating Lounges to gain entry. An authorisation amount of Rs.2 shall be charged on each eligible card presented at the entrance to the Participating Lounge. It's important to note that the free access is generally limited to the cardholder, any accompanying guest(s) may incur charge(s). This programme is provided by a third party and governed by such third party terms and conditions.
Starting Apr 01, 2024, you can enjoy One complimentary airport lounge access by spending Rs. 35,000 in the preceding calendar quarter. Spends made in the preceding calendar quarter will unlock access for the subsequent calendar quarter. To be eligible for complimentary lounge access in Apr-May-Jun, 2024 quarter, you need to spend a minimum of Rs.35,000 in the January-February-March, 2024 quarter and similarly for following quarters.
This updated criteria to avail complimentary domestic airport lounge access will be applicable for the cards in abovementioned table.
However for the other ICICI Bank credit card there is no change in the spending criteria.
DCC is the currency conversion service on real time basis. DCC allows you to make credit card payments in Indian Currency at International location or to merchants located in India but registered in a foreign nation. Although DCC simplifies the understanding of prices in Indian currency, it involves additional mark-ups / charges levied by merchants that maybe unfavourable for you.
Starting Feb 05, 2024, a DCC fee of 1% plus taxes will be applicable on each International transaction performed in Indian currency at International location or transactions performed in Indian currency with merchants located in India but registered in a foreign nation.
Example:
When you make a purchase at a store in an international country and use your ICICI Bank credit card to pay in INR on a POS machine, a DCC Mark-up fee of 1%, along with applicable taxes, will be applied to the transaction amount. Similarly, if you make a purchase in India from a merchant registered overseas and use your ICICI Bank credit card to pay in INR, a DCC Mark-up fee of 1%, plus taxes, will be charged on the transaction amount.
Credit card transactions with Merchant Category Code (MCC) 6513, 7349 are covered under Rental Payments.
A Merchant Category Code (MCC) is a four-digit number assigned to a merchant/business by the merchant’s acquiring bank. These are defined by networks e.g. Visa, MasterCard.