Privilege Banking Accounts - Non Senior Citizens

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

Rs 100,000

Rs 200,000

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

Rs. 100 + 5% of the shortfall in required MAB

Rs. 100 + 2% of the shortfall in required MAB or Rs. 500 whichever is lower

Rs 100 + 2% of the shortfall in required MAB or Rs 500 (whichever is lower)

Rs. 100 + 2% of the shortfall in required MAB or Rs. 500 whichever is lower

Charges for non-maintenanace of MAB not applicable.

Not Applicable

Subject to FD of min Rs 2.5 lacs under the same CUST ID (not applicable for Gold Plus Savings Account)

Subject to Fixed Deposit (FD) of minimum Rs 500,000 under the same Customer ID

Subject to Fixed Deposit (FD) of minimum Rs 1,000,000 under the same Customer ID

Cash transactions (deposits and withdrawals) at base branch i.e all branches/ Cash Recycler Machine (cash deposits) in the same city

Nil

Nil

Nil

Nil

Anywhere Cash Withdrawals by customer or customers representative to the debit of the customers own savings Account at a non-base branch i.e. branch in other city

Nil for the first cash withdrawal of a calendar month; Thereafter in the month, Rs.5 per thousand rupees or part thereof, subject to a minimum of Rs.150
(Maximum withdrawal limit –
Self: Any Amount , Third party: Rs.15,000 per day)
Not Applicable
(Maximum withdrawal limit – Self: Any Amount , Third party: Rs.15,000 per day)
Not Applicable
(Maximum withdrawal limit – Self: Any amount, Third party: Rs 15,000 per day)

Not Applicable
(Maximum withdrawal limit – Self: Any Amount , Third party: Rs.15,000 per day)

Anywhere Cash deposit by customer or customers representative to the credit of the customers own savings Account at a non-base branch

At Branch –Rs. 5 per thousand rupees or part thereof, subject to a minimum of Rs. 150 (Maximum deposit limit – Self: Any Amount, Third party: Rs. 50 ,000 per day)
At Cash Recycler Machine – Nil for the first cash deposit of a calendar month; thereafter in the month, Rs. 5 per thousand rupees or part thereof, subject to a minimum of Rs. 150
Not Applicable
(Maximum deposit limit –
Self: Any Amount , Third party: Rs.50,000 per day)
Not Applicable
(Maximum deposit limit – Self: Any amount, Third party: Rs 50,000 per day)
Not Applicable
(Maximum deposit limit –
Self: Any Amount , Third party: Rs.50,000 per day)

Cash Transaction Charges
(Cumulative of Deposit and Withdrawal)
(with effect from Dec 15, 2019)

1) Number Limit (Sum total of deposits and withdrawals)
4 free cash transactions per month.
Charges above free limits: Rs 150 per transaction.

2) Value Limit (Sum total of deposits and withdrawals) The value limit is inclusive of both Home and Non home branch transactions.
a) Home Branch (Branch where account is opened or ported)
Rs 2 lakh. Free per month per account.
Above Rs 2 lakh – Rs 5 per Rs 1,000, subject to a minimum of Rs 150
b) Non-Home branch –
No charges for cash transactions value up to Rs 25,000 per day.
Above Rs 25,000 – Rs 5 per Rs 1,000 subject to a minimum of Rs 150

3) Third party Cash transaction (Sum total of deposits and withdrawals) -
Up to a limit of Rs 25,000 per day – Rs 150 per transaction.
Above Rs 25,000 not allowed.

Number Limit (Sum total of deposits and withdrawals)
5 free cash transactions per month.
Charges above free limits: Rs 150 per transaction.
OR
Value Limit (Sum total of deposits and withdrawals)
The value limit is inclusive of both Home and Non home branch transactions.
Rs 2 lakh. Free per month per account.
Above Rs 2 lakh – Rs 5 per Rs 1,000, subject to a minimum of Rs 150
(Inclusive – Self and Third party)

Number Limit (Sum total of deposits and withdrawals)
5 free cash transactions per month.
Charges above free limits: Rs 150 per transaction.
OR
Value Limit (Sum total of deposits and withdrawals)
The value limit is inclusive of both Home and Non home branch transactions.
Rs 2 lakh. Free per month per account.
Above Rs 2 lakh – Rs 5 per Rs 1,000, subject to a minimum of Rs 150
(Inclusive – Self and Third party)

Number Limit (Sum total of deposits and withdrawals)
7 free cash transactions per month.
Charges above free limits: Rs 150 per transaction.
OR
Value Limit (Sum total of deposits and withdrawals)
The value limit is inclusive of both Home and Non home branch transactions.
Rs 5 lakh. Free per month per account.
Above Rs 5 lakh – Rs 5 per Rs 1,000, subject to a minimum of Rs 150
(Inclusive – Self and Third party)

Additional Cash Transaction Charges (with effect from Oct 16, 2019)

All free cash transactions at ICICI Bank branches or cash deposits done at ICICI Bank Cash Recycler Machines will be charged at Rs 100 (per transaction) for the first two transactions and Rs 125 (per transaction) for any subsequent transaction in case of non-maintenance of applicable minimum Monthly Average Balance (MAB) stipulated in the terms and conditions applicable to your account. This charge will be levied over and above the non–maintenance of MAB charges stipulated in terms and conditions applicable to the account.

All free cash transactions at ICICI Bank branches or cash deposits done at ICICI Bank Cash Recycler Machines will be charged at Rs 100 (per transaction) for the first two transactions and Rs 125 (per transaction) for any subsequent transaction in case of non-maintenance of applicable minimum Monthly Average Balance (MAB) stipulated in the terms and conditions applicable to your account. This charge will be levied over and above the non–maintenance of MAB charges stipulated in terms and conditions applicable to the account.

All free cash transactions at ICICI Bank branches or cash deposits done at ICICI Bank Cash Recycler Machines will be charged at Rs 100 (per transaction) for the first two transactions and Rs 125 (per transaction) for any subsequent transaction in case of non-maintenance of applicable minimum Monthly Average Balance (MAB) stipulated in the terms and conditions applicable to your account. This charge will be levied over and above the non–maintenance of MAB charges stipulated in terms and conditions applicable to the account.

All free cash transactions at ICICI Bank branches or cash deposits done at ICICI Bank Cash Recycler Machines will be charged at Rs 100 (per transaction) for the first two transactions and Rs 125 (per transaction) for any subsequent transaction in case of non-maintenance of applicable minimum Monthly Average Balance (MAB) stipulated in the terms and conditions applicable to your account. 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

Nil

Nil

Nil

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

Nil

Nil

Nil

Nil

Issue of DD drawn on ICICI Bank by cheque/transfer (w.e.f. July 01, 2019)

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 per day above that Rs 5 per thousand or part thereof maximum of Rs 15000

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

Nil

Statement

Free Monthly e-mail statement

Free Monthly statement to be collected from branch

Free Monthly e-mail statement

Free Monthly statement to be collected from branch

Free Monthly e-mail statement

Free Monthly statement to be collected from branch

Free Monthly e-mail statement

Free Monthly statement to be collected from branch

Passbook facility available at base branch free of cost

Passbook facility available at base branch free of cost

Passbook facility available at base branch, free of cost.

Passbook facility available at base branch free of cost

View and download statement facility available on the website

View and download statement facility available on the website

View and download statement facility available on the website

View and download statement facility available on the website 

Debit Card Fees for first Account Holder

Rs.150 p.a.
For Gramin locations - Rs.99 p.a.

Nil

Nil

Nil

Debit Card Fees for joint Account Holder

Rs.150 p.a.
For Gramin locations - Rs.99 p.a.

Nil

Nil

Nil

Debit Card Cash withdrawal limit

Domestic transaction limit - Daily spending/withdrawal limit: Rs.100,000/ Rs.50,000
International transaction limit - Daily spending/withdrawal limit: Rs.100,000/ Rs.50,000

Domestic transaction limit - Daily spending/withdrawal limit: Rs.125,000/ Rs.75,000
International transaction limit - Daily spending/withdrawal limit: Rs.125,000/ Rs.75,000

Domestic transaction limit - Daily spending/withdrawal limit: Rs 100,000/ Rs 150,000
International transaction limit - Daily spending/withdrawal limit: Rs 100,000/ Rs 125,000

Domestic transaction limit - Daily spending/withdrawal limit: Rs.150,000/ Rs.100,000
International transaction limit - Daily spending/withdrawal limit: Rs.150,000/ Rs.100,000

Cheque Books (w.e.f. July 01, 2019)

Nil for 20 payable-at-par cheque leaves in a year;
Rs. 20 for every additional cheque book of 10 leaves.

Nil

Nil

Nil

Charges for Multicity cheque payment

Nil

Nil

Nil

Nil

Value Added SMS alert facility

 

Rs. 15 per quarter

Nil

Nil

Nil

Outstation cheque collection –through ICICI bank branch locations

Upto Rs. 5,000 – Rs. 25 per instrument
Rs. 5,001 to Rs. 10,000 - Rs. 50 per instrument
Rs. 10,001 to Rs. 1 lakh – Rs 100 per instrument
Above Rs. 1 lakh - Rs. 200 per instrument

Upto Rs. 5,000 – Rs. 25 per instrument
Rs. 5,001 to Rs. 10,000 - Rs. 50 per instrument
Rs. 10,001 to Rs. 1 lakh – Rs 100 per instrument
Above Rs. 1 lakh - Rs. 200 per instrument

Up to Rs 5,000 – Rs 25 per instrument.
Rs 5,001 to Rs 10,000 – Rs 50 per instrument.
Rs 10,001 to Rs 1 lakh – Rs 100 per instrument.
Above Rs 1 lakh - Rs 200 per instrument.

Upto Rs. 5,000 – Rs. 25 per instrument
Rs. 5,001 to Rs. 10,000 - Rs. 50 per instrument
Rs. 10,001 to Rs. 1 lakh – Rs 100 per instrument
Above Rs. 1 lakh - Rs. 200 per instrument

Outstation cheque collection –through non ICICI bank branch locations

Upto Rs. 5,000 – Rs. 25 per instrument
Rs. 5,001 to Rs. 10,000 - Rs. 50 per instrument
Rs. 10,001 to Rs. 1 lakh – Rs 100 per instrument
Above Rs. 1 lakh - Rs. 200 per instrument

Upto Rs. 5,000 – Rs. 25 per instrument
Rs. 5,001 to Rs. 10,000 - Rs. 50 per instrument
Rs. 10,001 to Rs. 1 lakh – Rs 100 per instrument
Above Rs. 1 lakh - Rs. 200 per instrument

Up to Rs 5,000 – Rs 25 per instrument.
Rs 5,001 to Rs 10,000 – Rs 50 per instrument.
Rs 10,001 to Rs 1 lakh – Rs 100 per instrument.
Above Rs 1 lakh - Rs 200 per instrument.

Upto Rs. 5,000 – Rs. 25 per instrument
Rs. 5,001 to Rs. 10,000 - Rs. 50 per instrument
Rs. 10,001 to Rs. 1 lakh – Rs 100 per instrument
Above Rs. 1 lakh - Rs. 200 per instrument

 

 

Note:

 

# 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, non-maintenance 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 non-maintenance 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 non-maintenanace 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.

 

  1. Common service charges applicable to all Savings Account variants except for Wealth Management / ICICI Bank Private Banking and the ones mentioned above. Click here.
  2. 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. 
  3. *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).