Credit Card Rules Change: ICICI Bank has made significant changes to its credit card rules for its users. These new rules will be effective from January 15, 2026, and will impact reward points, everyday spending, foreign currency payments, entertainment offers, and various transaction fees. The bank stated that these changes will help cardholders better manage their spending and benefits.
Changes in Reward Points
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Holders of the Emerald Metal credit card will continue to receive 6 reward points for every Rs. 200 spent on retail purchases. However, according to the new rules, these points will no longer be awarded for spending on government services, fuel, property management, rent, tax payments, and third-party wallets. This aims to prevent cardholders from receiving special benefits on expenses that fall outside the scope of the bank’s reward program.
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New Terms for BookMyShow Offer
ICICI Bank has also clarified that to avail of the BookMyShow offer, cardholders will be required to spend a minimum of Rs. 25,000 in the previous quarter. This condition will apply to select cards every quarter. The bank says this will encourage cardholders to regularly monitor their spending and make proper use of the offers.
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Add-on Card and Foreign Transaction Fees
A one-time fee of Rs. 3,500 will now be charged for new add-on cards on the Emerald Metal credit card. The bank has also revised the fees for foreign currency transactions. For example, a 1.49 percent fee will apply to the Times Black card, 2 percent to Emerald Metal/Emeralde/Emerald Private, 0.99 percent to the MakeMyTrip Travel card, 1.99 percent to the Amazon Pay card, and 3.5 percent to other cards such as MakeMyTrip Signature and Platinum.
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New Fees on Entertainment and Wallet Transactions
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A 2 percent fee will now be charged on transactions made on gaming or entertainment platforms such as Dream11, Rummy Culture, Junglee Games, and MPL. In addition, a 1 percent fee will be applied to adding ₹5,000 or more to wallets such as Amazon Pay, Paytm, MobiKwik, Freecharge, or OlaMoney.
New fees for cash bill payments at branches
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Paying credit card bills with cash at a branch will now incur a fee of ₹150 per transaction, up from the previous ₹100. The bank states that this change has been implemented to cover the additional costs associated with cash payments.