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From December 11, card change fee from Rs.200 to Rs.300 + GST.
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Free insurance and movie tickets on some cards off from December 15.
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From November 25, DCC charges for some business cards will increase to 3.50%.
ICICI Credit Card Rules Change 2026: If you belong to ICICI Bank credit card If using, you may have to adjust your budget and convenience in the coming time. ICICI If you are using bank credit card then this news is only for you. Banks have made many changes in their credit card rules. It's going to cost more to switch cards, the free insurance on some cards is going to stop, and many people won't even get free movie tickets anymore.
These changes will take effect on different dates in November and December 2026. But the good thing is that these rules will not apply to all cards. Understand which card benefits will be cut off and where more money will be charged.
How much will it cost to change the card now?
ICICI Bank has decided to increase the credit card replacement charges. Now if the card is lost, broken, damaged, it will cost more to get a new card. Now it used to cost Rs 200 + GST to change the card. But from 11th December 2026 this cost will be Rs 300 + GST. 100 straight increased. There is almost a 50 percent increase. 100 seems to be Rs.300 + GST every time the card is lost, remember this.
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But 3 cards have been exempted from this. The new rule will not apply to Emerald Private Metal, 1838 Reserve and Times Black cards. The fee for changing their card will remain the same. Will the free insurance no longer be available? If you have been taking advantage of the free insurance that came with your credit card, it is now being discontinued. Many people don't know, credit cards get free insurance. In case of a plane crash, you would get insurance. It is closing now. The bank will discontinue free insurance on some cards from December 15, 2026.
Which cards?
Emerald Private Metal, Times Black, Emerald, Emerald Private, Diamond, Sapphire and Rubik's. These cards will no longer offer air accident insurance. Apart from this, the 'cancellation facility for any reason' will also be discontinued. This means if you book a flight or hotel and cancel it for any reason, you get a refund. This facility was on Emerald Private Metal, Times Black, Emerald and Emerald Private cards. It will also be discontinued from December 15. Similarly, the personal and air accident insurance offered to Parakram and Parakram Select card users will also be discontinued from December 15.
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Free movie tickets off
Film-loving credit card customers may also be in for a shock. ICICI Bank will stop offering free INOX movie tickets on some cards from 15th December 2026.
Which cards?
Rubyx, Coral, Expressions, Chennai Super Kings, MakeMyTrip Platinum, MakeMyTrip Signature, MakeMyTrip, HPCL Super Saver and Emirates Rubyx. Till now people used to get free tickets using these cards. Now after December 15, they will have to buy tickets with their own money. That means if you have the habit of watching a free movie once a month, it is now off. Now you have to pay the full price of the ticket.
Higher fees if spent abroad?
ICICI Bank has also changed the charges associated with international transactions on some business and corporate credit cards. Business card users will also be affected. From 25 November 2026, the Dynamic Currency Conversion (DCC) charge on some cards will be increased from 1 per cent to 3.50 per cent.
What is DCC?
If you go abroad and pay in rupees there, this fee is charged. Earlier it used to be 1 percent, now it will be 3.50 percent. That is, if you spend 1 lakh abroad, you would have to pay Rs 1,000, now it will cost Rs 3,500.
This change is for Business Black Advantage, Business Blue Advantage, Travel Agent Card, Business Platinum cards. In short, if you have an ICICI card, check if your card is in this list. Avail the free benefits before 15th December. And keep the card, else after 11th December new card will have to pay Rs 300 + GST.