ICICI Bank credit card rule changes in November and December 2026: Higher replacement fees; insurance benefits discontinued; what cardholders should know

ICICI Bank is revising charges on select credit cards impacting ICICI Bank credit cardholders as they will have to keep track of several changes coming into effect in November and December 2026.

The bank is revising charges for international transactions and card replacements, while some complimentary benefits, including insurance covers and movie benefits, will be discontinued on select credit cards.

The changes will impact different categories of cards. So customers should check whether their credit card is included before making transactions or relying on existing benefits.


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ICICI Bank credit card replacement fee increased

ICICI Bank is set to increase the credit card replacement fee from Rs 200 plus Goods and Services Tax (GST) to Rs 300 plus GST from December 11, 2026.

The revised fee will apply whenever an eligible credit card is replaced. However, ICICI Bank Emeralde Private Metal Credit Card, 1838 Reserve ICICI Bank Credit Card and Times Black ICICI Bank Credit Card are excluded from this change.

ICICI Bank to revise Priority Pass credit card replacement fee

The bank is set to introduce a replacement fee for Priority Pass credit cards from December 11, 2026.

Currently, customers can replace an ICICI Bank Priority Pass credit card without paying a fee. Under the revised rules, ICICI credit cardholders will have to pay Rs 300 plus GST for every Priority Pass card replacement.

The change applies to select cards, including Emeralde Private Metal, Emeralde Private, Emeralde, Sapphiro, Times Black and certain co-branded credit cards, among others.

Complimentary insurance benefits to be discontinued for these ICICI credit cardholders

ICICI Bank is set to discontinue certain complimentary insurance benefits linked to select credit cards from December 15, 2026.

The complimentary insurance benefit will be discontinued on these ICICI Bank credit cards

Complimentary Air Accident and related Insurance Cover

ICICI Bank Emeralde Private Metal Credit Card, Times Black ICICI Bank Credit Card, ICICI Bank Emeralde Credit Card, ICICI Bank Emeralde Private Credit Card , ICICI Bank Diamant Credit Card, ICICI Bank Sapphiro Credit Card , ICICI Bank Rubyx Credit Card

Cancellation For Any Reason (CFAR) cover

ICICI Bank Emeralde Private Metal Credit Card, Times Black ICICI Bank Credit Card , ICICI Bank Emeralde Credit Card and ICICI Bank Emeralde Private Credit Card

Personal and air accident insurance cover on select cards

ICICI Bank Parakram Select Credit Card and ICICI Bank Parakram credit card

ICICI Bank credit cardholders should check the specific benefits attached to their cards to understand which insurance covers will no longer be available.

Complimentary INOX benefit on these ICICI Bank credit cards to end

ICICI Bank is also set to discontinue the complimentary INOX benefit on select credit cards from December 15, 2026.

Customers holding select cards will no longer be able to use the complimentary INOX benefit after the effective date.

The cards impacted are ICICI Bank Rubyx Credit Card , ICICI Bank Coral Credit Card , ICICI Bank Expressions Credit Card, Chennai Super Kings ICICI Bank Credit Card, among others

Dynamic Currency Conversion fee on these ICICI Bank credit card to increase

ICICI Bank will increase the Dynamic Currency Conversion (DCC) fee from November 25, 2026, on select business and corporate credit cards.

The DCC fee applies when a cardholder makes an international transaction in Indian rupees at an overseas location. It also applies to transactions made in Indian rupees with merchants located in India but registered in a foreign country.

Currently, the DCC fee is 1% of the transaction amount. From November 25, it will increase to 3.50%, in line with the forex mark-up charge applicable to these cards.

The impacted cards will be ICICI Bank Business Black Advantage Credit Card, ICICI Bank Business Blue Advantage Card, ICICI Bank Travel Agent Card (BCCL -V), ICICI Bank Business Platinum Card, ICICI Bank Platinum Card (BCCL -V), ICICI Gold Business Card (BCIL -V), ICICI Gold Business Card (BCCL -V), among others.