ICICI Bank has announced changes to its credit card fee structure, reward point eligibility criteria, and foreign transaction charges effective January 15, 2026. These adjustments will influence how customers spend and access benefits across various ICICI credit cards.
From January 15, 2026, several ICICI Bank credit cards will see modified terms in terms of rewards, entertainment benefits, and applicable service charges.
Cardholders using Emeralde Metal, Times Black, Amazon Pay, and MakeMyTrip cards should take note of specific updates. There will also be new charges applicable for wallet reloads and gaming transactions.
Emeralde Metal cardholders will continue earning 6 reward points per ₹200 spent on eligible retail transactions. Transactions related to fuel, government services, rent, property management, taxes, and wallet loads are excluded.
To enjoy BookMyShow offers, a quarterly spend threshold of ₹25,000 must be met. For example, to access this benefit during April to June 2026, one must spend ₹25,000 between December 26, 2025 and March 25, 2026.
For Emeralde Metal cardholders, all add-on cards issued from January 15, 2026, will attract a one-time issuance charge of ₹3,500.
Loads to third-party wallets such as Amazon Pay, Paytm, or MobiKwik will attract a 1% transaction fee if the amount is ₹5,000 or more.
Dynamic currency conversion (DCC) fees have been revised across various ICICI cards:
Additionally, starting January 15, 2026, a 2% fee will apply to transactions on gaming platforms like Dream11, Rummy Culture, and MPL.
Read More: ICICI Prudential Life Gets PFRDA Clearance for Pension Fund Division Sale to ICICI Bank!
The fee for cash payments made at ICICI branches to settle credit card bills will increase from ₹100 to ₹150 per transaction, effective January 15, 2026.
ICICI Bank’s updated credit card policies introduce changes to reward earnings, entertainment benefit eligibility, and international transaction fees. Users are encouraged to review the revised charges and usage conditions to manage their spending and optimise benefits effectively.
Disclaimer: This blog has been written exclusively for educational purposes. The securities or companies mentioned are only examples and not recommendations. This does not constitute a personal recommendation or investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions.
Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.
Published on: Jan 10, 2026, 8:26 AM IST
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