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Privilege Banking Accounts - Non Senior Citizens

Privilege Account
  Blue PrivilegeSavings Account (Non-Senior Citizen)# Gold Privilege Savings Account (Non-Senior Citizen) / Gold Plus Savings Account THEONE Privilege Magnum Savings Account THEONE Privilege Titanium Savings Account

Available to

All cities

All cities

All cities

All cities

Eligibility

Resident Indian, >18yrs

Resident Indian, >18yrs (for Gold Privilege Savings Account, age >= 50 yrs for defence personnel, age >=57 yrs for regular customers)

Resident Indian, >18 years of age

Resident Indian, >18yrs

Minimum monthly average balance (MAB)*

Rs. 10,000

Rs. 50,000
MAB requirement waived subject to FD of min Rs.2.5 lacs under the same Cust ID (not applicable for Gold Plus Savings Account)

Rs. 1,00,000
MAB requirement waived subject to FD of min Rs.5 lacs under the same Cust ID

Rs. 1,25,000
MAB requirement waived subject to FD of min Rs.10 lacs under the same Cust ID

Service Charges

Cash Transaction Charges
Home Branch (Branch where the account is opened or ported)
(Deposits and withdrawals across branches and deposits in Cash Recycler Machines considered.)

1) Number Limit (Sum total of deposits and withdrawals)
Rs 150 per transaction, post 4 free cash transactions per month.
2) Value Limit (Sum total of deposits and withdrawals)
Rs 5 per Rs 1,000, post free limit of Rs 1 lakh, per month or Rs 150, whichever is higher.

a) Non-Home branch –
Rs 5 per Rs 1,000, for transaction value above Rs 25,000 at non-home branch in a day or Rs 150, whichever is higher.
b) Third party cash transactions charged at Rs 150 per transaction. Per transaction value capped at Rs 25,000.

1) Number Limit (Sum total of deposits and withdrawals)
Rs 150 per transaction, post 5 free cash transactions per month.
2) Value Limit (Sum total of deposits and withdrawals)
Rs 5 per Rs 1,000, post free limit of Rs 1 lakh, per month or Rs 150, whichever is higher.
Limits are inclusive of both Home and Non home branch transactions. (Self and Third party)

1) Number Limit (Sum total of deposits and withdrawals)
Rs 150 per transaction, post 5 free cash transactions per month.
2) Value Limit (Sum total of deposits and withdrawals)
Rs 5 per Rs 1,000, post free limit of Rs 2 lakh, per month or Rs 150, whichever is higher.
Limits are inclusive of both Home and Non home branch transactions. (Self and Third party)

1) Number Limit (Sum total of deposits and withdrawals)
Rs 150 per transaction, post 7 free cash transactions per month.
2) Value Limit (Sum total of deposits and withdrawals)
Rs 5 per Rs 1,000, post free limit of Rs 5 lakh, per month or Rs 150, whichever is higher.
Limits are inclusive of both Home and Non home branch transactions. (Self and Third party)

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For all free cash transactions, Rs 100 per transaction, for the first two cash transactions and Rs 125 for the subsequent transactions will be levied. This charge will be levied over and above the non–maintenance of MAB charges stipulated in terms and conditions applicable to the account.

For all free cash transactions, Rs 100 per transaction, for the first two cash transactions and Rs 125 for the subsequent transactions will be levied. This charge will be levied over and above the non–maintenance of MAB charges stipulated in terms and conditions applicable to the account.

For all free cash transactions, Rs 100 per transaction, for the first two cash transactions and Rs 125 for the subsequent transactions will be levied. This charge will be levied over and above the non–maintenance of MAB charges stipulated in terms and conditions applicable to the account.

For all free cash transactions, Rs 100 per transaction, for the first two cash transactions and Rs 125 for the subsequent transactions will be levied. This charge will be levied over and above the non–maintenance of MAB charges stipulated in terms and conditions applicable to the account.

ATM Interchange (Transactions at Non ICICI Bank ATMs)

Nil

6 metro locations (Mumbai, New Delhi, Chennai, Kolkata, Bengaluru and Hyderabad): Rs 21 per financial transaction & Rs 8.5 per non-financial transaction, post 3 transactions (inclusive of financial and non-financial transactions).
Other than 6 metro locations: Rs 21 per financial transaction and Rs 8.5 per non-financial transaction, post 5 transactions (inclusive of financial and non-financial transactions).
Maximum of 5 transactions free in a month, across locations, with a cap of 3 transactions at 6 metro locations.
6 metro locations (Mumbai, New Delhi, Chennai, Kolkata, Bengaluru and Hyderabad): Rs 21 per financial transaction & Rs 8.5 per non-financial transaction, post 3 transactions (inclusive of financial and non-financial transactions).
Other than 6 metro locations: Rs 21 per financial transaction and Rs 8.5 per non-financial transaction, post 5 transactions (inclusive of financial and non-financial transactions).
Maximum of 5 transactions free in a month, across locations, with a cap of 3 transactions at 6 metro locations.
6 metro locations (Mumbai, New Delhi, Chennai, Kolkata, Bengaluru and Hyderabad): Rs 21 per financial transaction & Rs 8.5 per non-financial transaction, post 3 transactions (inclusive of financial and non-financial transactions).
Other than 6 metro locations: Rs 21 per financial transaction and Rs 8.5 per non-financial transaction, post 5 transactions (inclusive of financial and non-financial transactions).
Maximum of 5 transactions free in a month, across locations, with a cap of 3 transactions at 6 metro locations.

Transactions at ICICI Bank ATMs / Cash Recycler Machines (cash withdrawals)

Nil

Nil

Nil

Nil

Issue of DD drawn on ICICI Bank by cheque/transfer 

Rs.50 per D.D. up to Rs.10,000;Rs.5 per thousand rupees or part thereof for DD of more than Rs.10,000, subject to a minimum of Rs.75 and maximum of Rs. 15,000

Nil for D.D. up to Rs.150,000, above that Rs 5 per thousand or part thereof maximum of Rs 15000

Nil for Demand Draft (DD) up to Rs 200,000. Above Rs 200,000 - Rs 5 per Rs 1,000 or part thereof; maximum Rs 15,000.

Nil

Debit Card Fees annual fees

Rs.150
For Gramin locations - Rs.99

Nil

Nil

Nil

Cheque Books 

Nil for 25 cheque leaves in a year;
Rs. 2 per leaf thereafter

Nil

Nil

Nil

Value Added SMS alert facility
(For transactions other than specified by regulatory guidelines, sms alerts will be triggered only if the transaction value is greater than Rs.5,000)

 

15 paise per sms

Nil

Nil

Nil

Penal Charges

Charges for non maintenance of minimum monthly average balance (NMMAB)

6% of the shortfall in required MAB or Rs. 500 whichever is lower.

3% of the shortfall in required MAB or Rs. 500 whichever is lower.

3% of the shortfall in required MAB or Rs. 500 whichever is lower.

3% of the shortfall in required MAB or Rs. 500 whichever is lower.

Note:

**Only Individual CA & Proprietors account
^Disbursement value of AL, EL, PL, BL (Individual CA Holder/Proprietor), Credit Card spends (Avg in FY)
# This product is no longer available for new customers
* This is applicable for customers who hold the Privilege Banking account August 21, 2008 onwards. Non-maintenance of MAB charges not applicable to Salary customers

For customers who hold the Privilege Account between April 10, 2008 and August 20, 2008

  • The new minimum balance requirement and charges will be applicable October 1, 2008 onwards.
  • The current minimum required TRV for Gold Privilege Account is Rs.100,000 out of which min MAB requirement in savings account is Rs.50,000
  • The current minimum required TRV for Blue Privilege Account is Rs.25,000 out of which min MAB requirement in savings account is Rs.10,000
  • If the required minimum balances are not maintained for two consecutive quarters, Privilege Banking facilities will be withdrawn.
  • In addition to the above, If MAB falls below Rs.10,000, nonmaintenance of MAB charge @ Rs.750 per quarter is levied. These charges are not applicable for Salary customers

For customers who hold the Privilege Account as on April 9, 2008

  • The new definition will be applicable October 1, 2008 onwards.
  • The current minimum required TRV for Gold Privilege Account is Rs.100,000 out of which min MAB requirement in savings account is Rs.50,000
  • The current minimum required TRV for Blue Privilege Account is Rs.25,000 out of which min MAB requirement in savings account is Rs.10,000
  • If the required minimum balances are not maintained for two consecutive quarters, Privilege Banking facilities will be withdrawn.
  • No nonmaintenance of MAB charges applicable

*** For Titanium Privilege Account or upgraded an existing account to a Titanium Privilege Account on or before November 30, 2012 ; –

  • The minimum required TRV** for Titanium Privilege Account is Rs.5,00,000 and minimum MAB requirement in savings account is Rs.75,000

Charges for nonmaintenanace of MAB not applicable: Subject to FD of min Rs.3.75 lacs under the same CUST ID

  • If the required minimum balances are not maintained for two consecutive quarters, Privilege Banking facilities will be withdrawn.

** The Total Relationship Value (TRV) consists of the following products either singly or jointly –

  • Balances in bank accounts
  • Fixed Deposits
  • Mutual Funds
  • Bonds / Small Savings
  • Investment portion of Life Insurance policies
  • Alternate Products (Real Estate Funds, Private Equity Funds, Structured Products etc)

The above investments should be through ICICI Bank.

  • Common service charges applicable to all Savings Account variants except for Wealth Management / ICICI Bank Private Banking and the ones mentioned above. Click here.
  • Taxes at prevailing rates as per Govt rules shall be applicable over and above the mentioned charges.The charges indicated above are subject to periodic revision. 
  • *With effect from April 1, 2015:In the event of non-maintenance of minimum MAB, the bank will notify the customer by SMS/e-mail/ letter etc. that in the event of the minimum balance not being restored in the account in the subsequent month, non-maintenance of MAB charges will be applicable.
    In case the customer has not maintained MAB for any consecutive month, non-maintenance of MAB charges shall be applicable for all consecutive months. The Bank will notify the customer in the initial month only in case of non-maintenance of MAB in consecutive months.It will be the responsibility of the customer to have a valid e-mail ID, mobile number and address updated with the Bank at all times,failing which,customer may not receive the notification(s).

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