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ICICI Bank Credit Cards Fees And Other Charges

Credit cards have become an indispensable financial product for many consumers. Finding the best ICICI Bank Credit Card for you can be difficult with so many possibilities. It is easy to apply for an ICICI Bank Credit Card. After availing a credit card, you are required to pay certain fees and charges like joining fees, annual fees, late payment fees, charges of interest, etc.

Let’s check out the ICICI Bank Credit Card fees and charges for various cards so that you can find the ideal credit card. 

ICICI Bank Credit Card Annual Fees

To keep your account open, the credit card issuer charges an amount each year as annual fees. The amount provides you with the benefits that come with your credit card. If the annual fee is higher, it generally means that the credit card will have a greater range of benefits to offer.

You will pay the annual fee as a one-time charge on your credit card during a specified month of the year. This could be on the card's anniversary day or at the start of the calendar year. Some credit card issuers charge the fees monthly, and some annually.

The credit card issuer is legally required to disclose all annual fees at the time of application itself.

Annual fees are not included in any interest payments you may make on your account. Whether or not you have a balance on your card, they will be charged.

Types of Fees And Charges on ICICI Bank Credit Cards

Credit cards have certain fees and charges applicable along with the benefits. Let's look at the six common ICICI Bank Credit Card charges:

Type of fees and charges


Basic charges

Joining fees

The membership fee you pay as a one-time cost of ownership. An annual fee is frequently added after the membership fee. ICICI Bank does not charge an annual fee for the first year (except in the case of a few credit cards). 

 ₹0 - ₹12,000 + GST

Charges of Interest

If you are unable to pay the entire amount by the due date, interest charges will be levied on all new transactions and outstanding dues.

3.40% onwards (per month)



Late payment fees



If you are unable to pay the full amount due, the bank will declare a minimal amount to be paid. ICICI bank will charge you a late payment fee if you do not pay the minimum amount.

  • Amount under ₹100 - None

  • Amount under ₹500 - ₹100

  • Amount under ₹5,000 - ₹500

  • Amount under ₹10,000 - ₹750

  • Amount under ₹10,000 - ₹750

  • Amount under ₹25,000 - ₹900

  • Amount under ₹50,000 - ₹1,000

  • Amount above ₹50,000 - ₹1,200

International transactions fees

An additional transaction cost is charged for each swipe on your card in a foreign nation. It is charged as a percentage of the transaction amount. ICICI Bank Credit Card international transaction charges are one of the lowest in the market.

3. 50% onwards

Over-limit charges

If you spend more than the credit limit, the bank will charge you an over-the-limit fee.



Charges and Fees for Some of the Top ICICI Bank Credit Cards

Here is a list of all fees applicable to the top ICICI Bank credit cards currently available.

ICICI Bank Card Variant

Joining Fee

Annual Fee (1st Year)

Annual Fee (2nd Year)

ICICI Bank Card Variant

Joining Fee (1st year)

 Annual Fee (1st year)

 Annual Fee (2nd year onwards)

 ICICI Bank British Airways Classic Credit Card



 ICICI Bank Signature Credit Card




 ICICI Bank British Airways Premium Credit Card Account



 ICICI Bank Ascent American Express (R) Credit Card



 ICICI Bank HPCL Titanium Credit Card



 ICICI Bank HPCL Platinum Credit Card




ICICI Bank Platinum Identity Credit Card




Different ICICI Bank Credit Card Charges

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

Fees and charges


Cash advance – transaction fee

2.50% on advanced amount on all cards, subject to a minimum of ₹500.

Late payment charges

0 - ₹1,200

Return of cheque

2% of total amount, subject to a minimum of ₹500. 

Over-limit charges

2.50% on the over-limit amount, subject to a minimum of ₹550

Card replacement fee


Fee on cash payment at branches

₹100 per payment transaction

Dial-a-draft – transaction fee

3% of the draft value amount on all cards, subject to a minimum of ₹300

Outstation cheque processing fee

1% of the cheque value, subject to a minimum of ₹100

Duplicate statement request


Foreign currency transactions

Mark-up of 3.50%

Cheque or Cash pick-up fee


Auto-Debit return fee

2% of the total amount due, subject to a minimum of ₹500

Charge slip request

₹100/charge slip


How to Avoid Late Fee Charges on ICICI Bank Credit Cards

  • Subscribe to Auto-debit Service

If you subscribe to an auto-debit service provided by ICICI Bank, they will deduct funds from a cardholder's account on a predetermined date. If you enrol in this autopay service, the risk of missing a payment deadline will be reduced. For the auto-debit to take place, you have to keep enough money in the bank account.

  • Make a List of Reminders

Another technique to remember credit due dates is to set calendar reminders and internet alerts for at least four to five days before the due date. These alerts and reminders will warn you and also allow you to avoid late payments.

  • Make an Advance Payment

While choosing a payment option, it is important to think about the processing time. Online payments take a few hours to one day for clearing. Cash payment at a bank branch usually costs an amount as a service charge though the payment will be reflected more quickly.

The time it takes for a payment to appear on a credit card account varies depending on the payment option. As a result, making the payment ahead of time is critical to prevent missing the deadline.

  • Pay the Minimum Amount Due

If you are unable to pay the whole amount on the due date, you should pay at least the minimum amount due fixed by the bank. This will help you avoid late payment fees. In addition to this, you can avoid paying a higher interest rate.

FAQs About ICICI Credit Card Charges

✔️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 credit card 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 typical 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 ₹1,200, 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 ₹1,200. 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.

✔️Are there any ICICI Bank Credit Card EMI charges?

Yes. ICICI Bank Credit Card EMI charge is 1.33% per month on a monthly reducing balance basis.