Attention ICICI Bank credit card users! Six rules—ranging from Priority Pass access to insurance—are set to change..

ICICI Bank Credit Card Rules: If you use an ICICI Bank credit card, there is important news for you. Over the next few weeks, the bank is set to implement six major changes to its credit card policies. These changes will come into effect between November 25 and December 15, 2026. They include adjustments such as an increase in the fee for replacing a credit card, as well as the discontinuation of certain benefits like complimentary insurance and movie-related perks. These changes will affect various credit cards across the retail, premium, business, and corporate categories. Consequently, cardholders should be aware of which benefits are being discontinued and for which services they will now have to pay more.

Payments in foreign currency will become more expensive

Starting November 25, 2026, ICICI Bank is increasing the Dynamic Currency Conversion (DCC) fee on select business, corporate, and purchase credit cards. Currently, this charge is 1% of the transaction amount, which will be increased to 3.5%. This will affect cards including Business Black Advantage, Business Blue Advantage, Business Platinum, and Business AMEX Essential.

Higher charges for replacing business and corporate cards

From November 25, replacing a business or corporate credit card will become more costly. Currently, the fee is ₹200 plus GST; this will be increased to ₹300 plus GST.

Replacement of retail credit cards will also become costlier
Effective December 11, 2026, the fee for replacing a retail credit card will also increase. While the current charge is ₹200 plus GST, the new policy will require a payment of ₹300 plus GST. However, the Emeralde Private Metal, 1838 Reserve, and Times Black cards are exempt from this change.

Charges to Apply for Priority Pass

The Priority Pass replacement facility will no longer be free for certain select ICICI Bank credit cards. Starting December 11, a fee of ₹300 plus GST will be charged for this service. This change applies to cards including Emeralde Private Metal, Emeralde Private, Emeralde, Sapphiro, Times Black, MakeMyTrip, Emirates Skywards, Adani One Signature, Parakram Select, and Diamant World Mastercard.

Discontinuation of Free Insurance Cover on Several Cards

Effective December 15, 2026, the complimentary air accident and related insurance cover provided on certain premium credit cards will be discontinued. This affects the Emeralde Private Metal, Times Black, Emeralde Private, Emeralde, Diamant, Sapphiro, and Rubyx cards. Additionally, the 'Cancellation For Any Reason' (CFAR) cover available on Emeralde Private Metal, Times Black, Emeralde, and Emeralde Private cards will also be withdrawn. Furthermore, the complimentary personal and air accident insurance cover provided to Parakram and Parakram Select cardholders will be discontinued.

Removal of Complimentary INOX Benefits

Starting December 15, the bank will also discontinue the complimentary INOX benefits offered on certain credit cards. This includes the Rubyx, Coral, Expressions, Chennai Super Kings, MakeMyTrip Platinum, HPCL Super Saver, Emirates Rubyx, MakeMyTrip Signature, and MakeMyTrip cards.

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