Update on Transaction Fee effective15-Jan-26
• 2% fee will be levied on transactions carried out on platforms such as (but not limited to) Dream11, Rummy Culture, Junglee Games and MPL. The fee will apply to transactions carried out through Merchant Category Code (MCC) 5816 or any other MCC introduced in the future for similar types of transactions.
• 1% fee will apply on transaction amounts of ₹5,000 or more when loading funds onto third-party wallets such as (but not limited to)
Amazon Pay,
Paytm, MobiKwik,
Freecharge and OlaMoney. The fee will apply to transactions carried out through Merchant Category Code (MCC) 6540 or any other MCC introduced in the future for similar types of transactions.
• A fee of 1% of the transaction amount will be charged for transactions carried out through Transportation Merchant Category Code (MCC: 4111, 4112, 4784, 4131) exceeding ₹50,000.
Revision of Dynamic Currency Conversion (DCC) Fee, effective from 15-Jan-26
• DCC Fee is applicable on each international transaction carried out in Indian currency at international locations or transactions carried out in Indian currency with merchants located in India but registered in a foreign nation. DCC Fee will be revised in line with the Forex mark-up charges of your
Credit Card.
Present DCC Fee Revised DCC Fee
(same as Forex Mark-up Fee)
1% of the transaction amount 1.99% of the transaction amount
Revision of fees on cash payment at Branches, effective from 15-Jan-26
• Cash payment at Branches for clearing the Credit Card dues will be revised from ₹100 per payment transaction to ₹150 per payment transaction.
New UPI ID for Credit Card Payments
• The current UPI ID has been replaced. Your new UPI ID will be in the following format:
ccpay.<10-digit mobile number><last 4 digits of card>@icici
For example, if your mobile number is 9999999999 and your card’s last 4 digits are 1234, your new UPI ID will be: ccpay.99999999991234@icici
EMI Foreclosure Charges
• Discontinuation/Cancellation of ongoing EMIs after opting for them at the time of purchase will now attract applicable foreclosure charges. For detailed T&Cs visit
Instant EMI on Reatil Credit Cards - Terms & Conditions | ICICI Bank
Credit Card Usage Guidelines
• Please note that your Credit Card is issued solely for personal expenses. Usage for commercial or resale purposes is prohibited. The card should not be used for speculative, anti-social, money laundering or working capital purposes. Ensure your transactions are lawful and bona fide.
For further details, please refer to section- II (e) of Most Important Terms & Conditions.
Sincerely,
Team ICICI Bank
