ICICI Bank Credit Card Changes From November 2026: Insurance, Movie Benefits and Replacement Fees Revised
ICICI Bank credit cardholders will see changes to several card benefits and charges over the next two months. The bank is withdrawing selected complimentary insurance and entertainment benefits while increasing certain transaction and replacement fees.
The revisions will come into effect in three phases: November 25, December 11 and December 15, 2026. However, not every change will apply to all cardholders. The impact will depend on the type and variant of credit card held.
Here are six major changes customers should know about.
The affected variants are:
This change will affect four credit card variants:
The change applies to:
These include:
ICICI Bank is increasing the charge from 1% to 3.50% of the transaction amount, bringing it in line with the applicable forex mark-up charge on these cards.
The revised fee will apply to:
Specified Business Purchase Card variants, including 15+7, 21+7, 30+7 and 30+15, will also be covered.
For instance, on a transaction of ₹10,000, the DCC fee will increase from ₹100 to ₹350, before applicable taxes.
This revision is limited to the specified business, corporate and purchase cards. It does not mean that the same revised DCC fee will apply to every ICICI Bank retail credit card.
From November 25, 2026:
The replacement fee for business, corporate and purchase credit cards will increase from ₹200 to ₹300, plus GST.
From December 11, 2026:
The replacement fee for eligible retail credit cards will also increase from ₹200 to ₹300, plus GST.
However, the revised retail replacement fee will not apply to:
The affected variants include 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.
Similarly, customers who use the INOX movie benefit may need to explore other entertainment offers. Business and corporate cardholders should account for the higher DCC fee when making eligible transactions in Indian rupees, particularly from November 25.
Those planning to replace a credit card or Priority Pass should also check the revised charges before submitting a request.
Since the changes apply to specific card variants, customers should refer to ICICI Bank's latest official communication and the applicable card terms for confirmation.
Disclaimer: This article is intended for general information. The changes and affected card lists are based on the reported November 2026 bank communication. Actual charges, applicable taxes, exclusions and benefit conditions are subject to ICICI Bank's official notifications and terms. NewsPoint is not responsible for any changes or discrepancies in the bank's policies.
The revisions will come into effect in three phases: November 25, December 11 and December 15, 2026. However, not every change will apply to all cardholders. The impact will depend on the type and variant of credit card held.
Here are six major changes customers should know about.
1. Complimentary Air Accident Insurance to End
From December 15, ICICI Bank will discontinue complimentary Air Accident and related Insurance Cover on seven selected credit cards.The affected variants are:
- Emeralde Private Metal
- Times Black
- Emeralde
- Emeralde Private
- Diamant
- Sapphiro
- Rubyx
2. CFAR Insurance Cover to Be Withdrawn
The bank will also discontinue its complimentary Cancellation For Any Reason (CFAR) insurance cover from December 15, 2026.This change will affect four credit card variants:
- Emeralde Private Metal
- Times Black
- Emeralde
- Emeralde Private
3. Parakram Cards to Lose Insurance Benefits
Holders of ICICI Bank's Parakram credit cards will also lose complimentary Personal and Air Accident Insurance Cover from December 15.The change applies to:
- Parakram Credit Card
- Parakram Select Credit Card
4. Complimentary INOX Movie Benefit to End
ICICI Bank will discontinue the complimentary INOX movie benefit on nine selected credit card variants from December 15.These include:
- Rubyx
- Coral
- Expressions
- Chennai Super Kings
- MakeMyTrip Platinum
- HPCL Super Saver
- Emirates Rubyx
- MakeMyTrip Signature
- MakeMyTrip
5. DCC Fee to Rise From 1% to 3.50%
Business, corporate and purchase credit cardholders will face a higher Dynamic Currency Conversion (DCC) fee from November 25, 2026.ICICI Bank is increasing the charge from 1% to 3.50% of the transaction amount, bringing it in line with the applicable forex mark-up charge on these cards.
The revised fee will apply to:
- International transactions made in Indian rupees at overseas locations.
- Transactions made in Indian rupees with merchants in India that are registered in a foreign country.
Specified Business Purchase Card variants, including 15+7, 21+7, 30+7 and 30+15, will also be covered.
For instance, on a transaction of ₹10,000, the DCC fee will increase from ₹100 to ₹350, before applicable taxes.
This revision is limited to the specified business, corporate and purchase cards. It does not mean that the same revised DCC fee will apply to every ICICI Bank retail credit card.
6. Credit Card and Priority Pass Replacement Charges to Increase
ICICI Bank is also increasing replacement charges for selected credit cards and Priority Pass cards in two phases.From November 25, 2026:
The replacement fee for business, corporate and purchase credit cards will increase from ₹200 to ₹300, plus GST.
From December 11, 2026:
The replacement fee for eligible retail credit cards will also increase from ₹200 to ₹300, plus GST.
However, the revised retail replacement fee will not apply to:
- Emeralde Private Metal
- 1838 Reserve
- Times Black
The affected variants include 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.
ICICI Bank Credit Card Changes : Important Dates
| Effective Date | Revised Rule |
|---|---|
| November 25, 2026 | DCC fee increases from 1% to 3.50% on specified cards |
| November 25, 2026 | Business, corporate and purchase card replacement fee rises to ₹300 plus GST |
| December 11, 2026 | Eligible retail card replacement fee rises to ₹300 plus GST |
| December 11, 2026 | Priority Pass replacement fee becomes ₹300 plus GST |
| December 15, 2026 | Selected air accident insurance covers end |
| December 15, 2026 | Selected CFAR and Parakram insurance covers end |
| December 15, 2026 | Complimentary INOX movie benefit ends on selected cards |
What Should ICICI Bank Credit Cardholders Do?
Customers should check their exact credit card variant to understand which changes will affect them. Those who regularly use complimentary travel insurance or CFAR cover should review alternative insurance arrangements before December 15.Similarly, customers who use the INOX movie benefit may need to explore other entertainment offers. Business and corporate cardholders should account for the higher DCC fee when making eligible transactions in Indian rupees, particularly from November 25.
Those planning to replace a credit card or Priority Pass should also check the revised charges before submitting a request.
Since the changes apply to specific card variants, customers should refer to ICICI Bank's latest official communication and the applicable card terms for confirmation.
Disclaimer: This article is intended for general information. The changes and affected card lists are based on the reported November 2026 bank communication. Actual charges, applicable taxes, exclusions and benefit conditions are subject to ICICI Bank's official notifications and terms. NewsPoint is not responsible for any changes or discrepancies in the bank's policies.
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