ICICI Bank has announced multiple updates to credit card features and charges, effective from January–February 2026. These changes impact reward points, transport spends, insurance spends, BookMyShow benefits, add-on card fees, forex charges, wallet loads, gaming transactions, cash payments, and UPI IDs.
Reward Points – What Continues & With Limits
ICICI Bank Emeralde Metal Credit Card
From Jan 15, 2026
- Continue earning 6 reward points per ₹200 on retail spends
- Excludes: Government services, fuel, property management, rent, tax payments, third-party wallets
Transportation Category (MCC 4111, 4112, 4784, 4131)
From Feb 1, 2026
Rewards up to ₹20,000/month
- Rubyx
- Secured Rubyx
- Lead the New Rubyx
- Sapphiro
- Lead the New Sapphiro
- Emeralde
- Emeralde Private
Rewards up to ₹10,000/month
- Platinum variants
- HPCL variants
- Coral variants
- Manchester United cards
- Chennai Super Kings card
- Expressions cards
- Parakram cards
(Reward points depend on MCC)
Insurance Spends
From Feb 1, 2026
- Rewards continue for insurance spends up to ₹40,000
- Applicable MCCs: 5960, 6300, 6381, 6399
- Card: ICICI Bank HPCL Super Saver Credit Card
BookMyShow Benefit Changes
Discontinued
From Feb 1, 2026
- Complimentary BookMyShow benefit discontinued for:
- ICICI Bank Instant Platinum Chip Credit Card
- ICICI Bank Instant Platinum Credit Card
Spend-Based Eligibility
From Jan 15, 2026
- To enjoy BookMyShow offers:
- Spend ₹25,000 or more in the preceding quarter
- Example:
- For Apr–Jun 2026 benefits → spend ₹25,000 between Dec 26, 2025 – Mar 25, 2026
- Applicable to multiple ICICI cards including Coral, Rubyx, Sapphiro, Emeralde, HPCL, Adani One, MakeMyTrip, Manchester United, CSK, Expressions, and more
Add-On Card Fee
From Jan 15, 2026
- ₹3,500 one-time fee
- Applicable to new Plus (Add-on) cards
- Card: ICICI Bank Emeralde Metal Credit Card
Revised Dynamic Currency Conversion (DCC) Fees
From Jan 15, 2026
- 1.49% – Times Black ICICI Bank Credit Card
- 2.00% – Emeralde / Emeralde Metal / Emeralde Private
- 0.99% – MakeMyTrip ICICI Bank Travel Credit Card
- 1.99% – Amazon Pay ICICI Bank Credit Card
- 3.50% – All other ICICI credit cards
New Transaction Fees (All Retail Credit Cards)
- 2% fee on gaming/fantasy platforms
(Dream11, MPL, Rummy Culture, Junglee Games – MCC 5816) - 1% fee on wallet loading of ₹5,000 or more
(Amazon Pay, Paytm, MobiKwik, Freecharge, OlaMoney – MCC 6540) - 1% fee on transport spends exceeding ₹50,000
(MCC 4111, 4112, 4784, 4131)
Cash Payment at Branch
- Fee revised from ₹100 → ₹150 per transaction
New UPI ID for Credit Card Payments
Old UPI ID discontinued.
New format:
ccpay.<10-digit mobile number><last 4 digits of card>@icici