ICICI Bank Credit Card rule changes from January 15, 2026: Check new fees and benefits

ICICI Bank has announced a fresh set of credit card changes, impacting rewards, benefits and certain fees. The revisions mainly affect select credit cards, while the bank has also introduced new charges for specific types of transactions.
ICICI Bank credit cardholders should take note of how these updates could impact their reward earnings, entertainment benefits, foreign currency spends and everyday payment habits going forward. The revised rates are effective from January 15, 2026.

ICICI credit card reward points

ICICI Bank Emeralde Metal Credit card holders will continue to earn 6 ICICI Bank reward points for every Rs 200 spent on retail transactions. This does not include spends on government services, fuel, property management, rent, tax payments and third-party wallets.

ICICI credit card BookMyShow benefits

To avail the BookMyShow offer on your credit card, you must spend at least Rs 25,000 in the preceding quarter. For example, to enjoy the benefit during April, May and June 2026, you need to spend Rs 25,000 between December 26, 2025 and March 25, 2026. This spending-based eligibility will be assessed every quarter on select cards.

ICICI credit card fee on add-on card

As far as ICICI Bank Emeralde Metal Credit Card holders are concerned, for all new plus (add-on) cards issued on or after January 15, 2026, a one-time fee of Rs 3,500 will be applicable.

Revision of dynamic currency conversion fee for ICICI credit card holders

For Times Black ICICI Bank Credit Card, the dynamic currency conversion fee is 1.49%
For ICICI Bank Emeralde Metal Credit Card, ICICI Bank Emeralde Credit Card, ICICI Bank Emeralde Private Credit Card, the dynamic currency conversion fee is 2.00%.
For MakeMyTrip ICICI Bank Travel Credit Card, the dynamic currency conversion fee is 0.99%
For Amazon Pay ICICI Bank Credit Card, the dynamic currency conversion fee is 1.99%
For all other credit cards including MakeMyTrip ICICI Bank Signature Credit Card and MakeMyTrip ICICI Bank Platinum Credit Card, the dynamic currency conversion fee is 3.50%

Transaction fee for ICICI credit card holders

There will be a 2% fee levied on transactions carried out on platforms such as (but not limited to) Dream11, Rummy Culture, Junglee Games and MPL, effective from January 15, 2026.

ICICI credit card transaction fee for third-party wallets

There will be a 1% fee applicable on transaction amounts of Rs 5,000 or more when loading funds onto third-party wallets such as (but not limited to) Amazon Pay, Paytm, MobiKwik, Freecharge and OlaMoney.

Revision of fees on cash payment at ICICI Bank branches

Cash payment at ICICI Bank branches for clearing credit card dues will be revised from Rs 100 per payment transaction to Rs 150 per payment transaction.