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Finding the best ICICI Bank Credit Card for you can be difficult with so many options. However, understanding the fees and charges, features, benefits, and rewards associated with this credit card can make this task a little easier. Let’s check out the ICICI Bank Credit Card fees and charges for various credit cards so that you can find your best fit. 

Fees and Charges for ICICI Bank Credit Cards

Here is a list of the annual and joining fees associated with some of the top ICICI Bank Credit Cards that are currently available:

ICICI Bank Credit Card Variant

Joining Fee

Annual Fee (1st Year)

Annual Fee (2nd Year)

ICICI Expressions Credit Card

₹499 + GST

NIL

₹499 + GST

MakeMyTrip ICICI Bank Signature Credit Card

₹2,500 + GST

NIL

NIL

ICICI Platinum Chip Credit Card

₹199 + GST

NIL

₹99 + GST

ICICI Bank British Airways Classic Credit Card

NIL

₹3,500 + GST

₹3,500 + GST

ICICI Bank Signature Credit Card

₹25,000 + GST

NIL

₹2,000 + GST

ICICI Bank British Airways Premium Credit Card Account

NIL

₹7,000 + GST

₹7,000 + GST

ICICI Bank HPCL Titanium Credit Card

₹199 + GST

NIL

₹199 + GST

ICICI Bank Platinum Identity Credit Card

₹2,000 + GST

NIL

₹750 + GST

Disclaimer: The aforementioned fees and charges are subject to change at the issuer's discretion. Please refer to the issuer's MITC document for more details. 

Other Credit Card Charges

Here is a list of all other fees and charges applicable on the ICICI Bank Credit Cards:

Fees and Charges

Description

Duplicate Statement Request

₹100  (beyond 3 months)

Card Replacement Fees

  • ICICI Bank Expressions Credit Card: ₹199
  • Other Credit Cards: ₹100

Cash or Cheque Pick-up Fees

₹100/pick-up

Foreign Currency Markup

  • ICICI Bank Emerelde Credit Card: 1.5%
  • Other Credit Cards: 3.5%

Cash Advance Fees

  • ICICI Bank Emeralde Credit Card: 1.99%
  • Other Credit Cards: 2.50%

Late Payment Fees

  • Total Amount Due of up to ₹100: NIL
  • Total Amount Due of ₹100 to ₹500: ₹100
  • Total Amount Due of ₹501 to ₹10,000: ₹500
  • Total Amount Due of ₹10,000 and above: ₹750

Overlimit Charges

2.50% or ₹500 (whichever is higher)

Disclaimer: The aforementioned fees and charges are subject to change at the issuer's discretion. Please refer to the issuer's MITC document for more details. 

Frequently Asked Questions

Are there any charges for ICICI Bank Credit Cards?

A credit card does not have to be expensive but using one for free demands discipline. Choosing a credit card with no annual fee is the first step toward avoiding a credit card without charges. There are no yearly fees with the Amazon Pay ICICI Bank Credit Card.

What are the different fees & charges on ICICI Bank Credit Cards?

The most common ICICI Bank Credit Card fees are joining fees, annual fees, cash advances fees, balance transfer fees, late payment fees, and foreign currency transaction charges.

What to do if you are unable to make ICICI Bank Credit Card payments before the due date?

You will have to pay a late fee if you pay your bill after the due date. The late fee will be charged by the bank in your next credit card bill. ICICI Bank Credit Card late payment charge can be up to ₹750, depending on the total due amount.

What is a cash advance? Are there any charges for this?

A cash advance is where you use your credit card to withdraw cash. Every bank charges a particular percentage of the amount withdrawn as the cash advance fee. It ranges from 2.49% to 3.67% on ICICI Bank Credit Cards.

Are there any ICICI Bank Credit Card late payment charges?

Yes, there are late payment charges on ICICI Bank Credit Cards. Depending on the total due amount, you can be charged up to ₹750. If the amount is lower than ₹100,  then no late fee is charged. You will have to pay it in your next credit card bill.

Are there any ICICI Bank Credit Card over-limit charges?

Yes. The over-limit charge for the ICICI Bank credit card is 2.50% of the over-limit amount.

How can I avoid late payment charges for my ICICI Bank Credit Card?

To avoid late payment charges on your ICICI Bank Credit Card, consider enrolling in auto-pay, setting up reminders, and activating email/SMS alerts. Utilise mobile apps, link accounts for direct debit, and maintain a sufficient balance. Review statements regularly, use standing instructions, and understand grace periods. Ensure your linked account has funds and create an emergency fund for contingencies. By staying proactive and adopting responsible financial habits, you can steer clear of late fees and maintain a positive credit history.

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