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.
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.
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 |
|
Cash or Cheque Pick-up Fees |
₹100/pick-up |
Foreign Currency Markup |
|
Cash Advance Fees |
|
Late Payment Fees |
|
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.
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.
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.
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.
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.
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.
Yes. The over-limit charge for the ICICI Bank credit card is 2.50% of the over-limit amount.
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.