ICICI Bank is rolling out new credit card charges and rule updates in 2026, and they impact online gaming, wallet loading, transport spends, forex charges, cash payments, and even UPI IDs. Here’s the easy, no-jargon breakdown
What’s New (And What It’ll Cost You)
** 2% fee on online gaming**
- A 2% transaction fee will apply to spends on platforms like Dream11, MPL, Rummy Culture, Junglee Games, etc.
- Applies to transactions under MCC 5816 (and similar MCCs added later).
** 1% fee on wallet loading (₹5,000+)**
- A 1% fee will be charged when loading ₹5,000 or more into third-party wallets like Amazon Pay, Paytm, MobiKwik, Freecharge, OlaMoney (MCC 6540).
** Transport spends: new fee after a limit**
- A 1% fee will apply on transport category spends (MCC 4111, 4112, 4784, 4131) once total spends cross ₹50,000.
Forex & Currency Conversion (DCC) — Revised Rates
- Times Black ICICI: 1.49%
- Emeralde / Emeralde Metal / Private: 2.00%
- MakeMyTrip Travel Card: 0.99%
- Amazon Pay ICICI: 1.99%
- All other ICICI cards: 3.50%
Other Changes You Should Note
** Cash payment at branch**
- Fee increases 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