ICICI Credit Card Features, effective from November 15th, 2024 Devaluation
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ICICI added cap in utility , Insurance , government transactions & late payments .
Source - ICICI Credit card Rewards Devalue
Utility/Insurance Capping
You will continue to earn reward points for utility spends up to Rs.40,000, insurance spends up to Rs.40,000, at the current earn rate
Grocery Capping You will continue to earn reward points for grocery & departmental store spends up to Rs.40,000 per month, at the current earn rate.
No rewards on government transactions You will continue to earn reward points on your ICICI Bank Emeralde Private Metal Credit Card spends, excluding for government related spends.
Rent/government/education exclusion in spend threshold The spend threshold for annual fee reversal and milestone benefits will exclude rent, government, and education payments made via credit card.
Transaction categories Category Merchant Category Code (MCC)Utility 4899, 4900, 4901, 3887Insurance 5960, 6300, 6381, 6399Grocery & Department Store 3333, 5411, 5412, 5441, 9751, 5311, 5331, 5499Rent 7014, 7407, 5271, 6513Government 6760, 9222, 9211, 9399, 9402, 9405Fuel 1361, 3851, 5172, 5541, 5542, 5983, 9752, 5555Education 8211, 8220, 8241, 8244, 8249, 8299, 8493, 8494, 791
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They have also added fees for addon cards.
Forex markup fee revised to 2% from 3.5%
How to close existing addon cards for icici
Add-on card annual fee! NO just NO. Customers have to object to this!
Baaki sab toh thik hai, ye spa kyu hata diya 😜.
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good step by bank 😎