ICICI Bank Credit Card Changes will affect customers between November 25 and December 15, 2026, with six important revisions to charges and complimentary benefits.
The bank is increasing certain card replacement fees, raising international transaction charges on selected business cards and withdrawing insurance and entertainment benefits on several popular credit cards.
The changes will affect retail, business and corporate cardholders differently.
Customers holding cards such as Emeralde, Sapphiro, Rubyx, Coral, MakeMyTrip and other variants should check the revised conditions to understand which existing benefits will no longer be available.
ICICI Bank Credit Card Changes: What Starts on November 25?
The first two changes will come into effect on November 25, 2026, and will primarily affect business, corporate and purchase credit cardholders.
The Dynamic Currency Conversion (DCC) fee on eligible cards will increase from 1% to 3.50% of the transaction amount.
This charge applies when customers make international transactions in Indian rupees at overseas locations or transact in Indian rupees with merchants located in India but registered in a foreign country.
The revised charge will affect selected cards, including Business Black Advantage, Business Blue Advantage, Travel Agent Card, Business Platinum and certain business and corporate purchase cards.
The second change concerns card replacement charges. The fee for replacing eligible business, corporate and purchase credit cards will increase from ₹200 plus GST to ₹300 plus GST.
Two More Credit Card Charges Change From December 11
From December 11, 2026, ICICI Bank will revise the replacement fee for eligible retail credit cards.
The standard card replacement charge will increase from ₹200 plus GST to ₹300 plus GST. However, the revision will not apply to Emeralde Private Metal, 1838 Reserve and Times Black credit cards.
Another important change concerns Priority Pass replacement charges. Customers who currently receive a replacement Priority Pass without a fee will have to pay ₹300 plus GST for each replacement.
The revised Priority Pass charge will affect selected premium and co-branded card variants, including Emeralde Private Metal, Emeralde Private, Emeralde, Sapphiro, Times Black, MakeMyTrip Signature, MakeMyTrip, Emirates Skywards Emeralde, Emirates Skywards Sapphiro, Adani One Signature, Parakram Select and Diamant World Mastercard.
Customers who frequently use airport lounge facilities through their Priority Pass should take note of this additional expense.
Complimentary Insurance Benefits End From December 15
One of the biggest changes will take effect on December 15, 2026, when ICICI Bank withdraws several complimentary insurance benefits attached to selected credit cards.
The complimentary air accident and related insurance cover will be discontinued on the following cards: Emeralde Private Metal, Times Black, Emeralde, Emeralde Private, Diamant, Sapphiro and Rubyx.
The Cancellation For Any Reason (CFAR) insurance benefit will also end on Emeralde Private Metal, Times Black, Emeralde and Emeralde Private credit cards.
Meanwhile, customers holding Parakram and Parakram Select cards will lose their complimentary personal and air accident insurance cover.
These changes are particularly important for customers who rely on complimentary credit card insurance while travelling.
Cardholders may need to review their existing insurance arrangements and consider whether separate coverage is required.
INOX Movie Benefit Also Discontinued
The December 15 changes will also affect customers who regularly use complimentary movie benefits.
ICICI Bank will discontinue its complimentary INOX benefit on nine credit card variants.
These include Rubyx, Coral, Expressions, Chennai Super Kings, MakeMyTrip Platinum, HPCL Super Saver, Emirates Rubyx, MakeMyTrip Signature and MakeMyTrip credit cards.
After the effective date, eligible cardholders will no longer be able to use this complimentary benefit through their respective cards.
Customers who regularly depend on these movie offers may have to look for alternative entertainment discounts or pay the regular ticket price.
What Should ICICI Bank Credit Cardholders Do?
The six revisions do not apply uniformly to every ICICI Bank credit card. The applicable changes depend on the card variant and whether it belongs to the retail, business or corporate category.
Customers should check their exact card name and review the revised features and charges before making international payments or relying on complimentary insurance and entertainment benefits.
Business cardholders making international transactions in Indian rupees should pay particular attention to the increased DCC fee.
Similarly, customers using complimentary insurance should check their existing coverage before the December 15 withdrawal.
The revised ICICI Bank Credit Card Changes make it important for customers to understand their card’s updated benefits and charges well before the respective implementation dates.
