ICICI BankBank fee profile

ICICI Bank Banking Fees & Charges

A dated ICICI Bank retail-fee profile linking the mainstream Savings balance schedule with ATM, debit-card, transfer, bill-payment and basic-account exceptions while treating notice-board revisions as refresh triggers.

First-party evidencePublished researchReviewed September 10, 2026Active

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Account / tariff scopeFor new mainstream Savings accounts from 1 August 2025, the reviewed product structure is ₹15,000 MAB metro/urban, ₹7,500 semi-urban and ₹2,500 rural. Select/Wealth, Salary, Basic and NRI relationships have separate conditions.

Fee thresholds / allowancesATM free counts and cash/transfer amount limits are different controls. Fee thresholds are tied to account/card/channel and should not be used as transaction ceilings.

Current fee postureFor the reviewed mainstream Savings structure, non-maintenance charge is 6% of the balance shortfall or ₹500, whichever is lower, subject to programme/account exemptions. ICICI Platinum Debit Card is ₹300 + GST annually and ₹300 + GST to replace.

Product / programme / channel relationshipNotice-board fee revisions are refresh signals; the exact current product tariff controls the value applied to a customer.

Research processPublished by littleden.blog

Structured from first-party bank/issuer evidence. This page does not claim personal hands-on product use unless that experience is explicitly stated.

7 first-party sources

Last checkedSeptember 10, 2026

Recorded source review date, not a claim that the product changed that day.

Maintenance stateWithin scheduled review window

Target recheck: November 9, 2026.

How to verifyMethodology · Editorial policy

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Critical decision facts

Channel scope and security state determine what the published limit really means.

Rail, channel, beneficiary, cooling, authentication and recovery rules stay separate instead of being compressed into one generic digital-banking number.

01 · Account / tariff scopeFor new mainstream Savings accounts from 1 August 2025, the reviewed product structure is ₹15,000 MAB metro/urban, ₹7,500 semi-urban and ₹2,500 rural. Select/Wealth, Salary, Basic and NRI relationships have separate conditions.

02 · Fee thresholds / allowancesATM free counts and cash/transfer amount limits are different controls. Fee thresholds are tied to account/card/channel and should not be used as transaction ceilings.

03 · Current fee postureFor the reviewed mainstream Savings structure, non-maintenance charge is 6% of the balance shortfall or ₹500, whichever is lower, subject to programme/account exemptions. ICICI Platinum Debit Card is ₹300 + GST annually and ₹300 + GST to replace.

04 · Product / programme / channel relationshipNotice-board fee revisions are refresh signals; the exact current product tariff controls the value applied to a customer.

Exact product-type evidence

Bank fee profile evidence stays in its own structure.

Specialist fields below remain source-scoped. Missing values stay missing; one banking product type is never used to manufacture facts for another.

Fee scope map

A fee is only meaningful after matching the product, channel and effective date.

Base tariffs, programme waivers and future-effective notices are kept separately scoped. Reviewed September 10, 2026.

Tariff scopeRetail fee index covering mainstream Savings plus ATM, debit-card, digital transfer, BillPay and Basic-account exceptions. Relationship programmes remain separate.

Account maintenance / shortfallReviewed mainstream Savings: non-maintenance charge 6% of shortfall or ₹500, whichever is lower. New-account MAB structure from 1 August 2025 is ₹15,000 metro/urban, ₹7,500 semi-urban and ₹2,500 rural.

Debit-card feesICICI Platinum Debit Card reviewed fee: ₹300 + GST annual and ₹300 + GST replacement. Other card variants/programmes retain their own fee schedules.

ATM pricingSavings customers: five free financial ICICI-ATM transactions monthly and ICICI non-financial transactions free; non-ICICI ATM allowance is three in six metros/five elsewhere (maximum five free monthly), then ₹23 financial and ₹8.50 non-financial + GST.

Cash / branch chargesSavings cash transaction pricing varies by account variant/opening cohort; this profile does not use a generic blog/article figure to override the current account schedule.

Transfer chargesDigital NEFT/RTGS nil. Reviewed branch NEFT is ₹2.25/₹4.75/₹14.75/₹24.75 + GST by slab and branch RTGS ₹20/₹45 + GST. Savings IMPS from 1 July 2025 is ₹2.50/₹5/₹15 + GST across stated amount slabs.

Cheque / service chargesCheque/service pricing is account-tariff specific; basic-account complimentary services and premium relationship benefits remain scoped overrides.

Digital-service feesICICI currently states zero convenience fee on bill payments and mobile/DTH recharges through its own platforms.

Waivers / relationship overridesSalary, Basic Savings and relationship programmes can waive or change selected base-account charges; no waiver is treated as universal without a controlling product source.

Effective-date rule2026 fee-revision notices trigger re-verification. A notice title alone is not used to fabricate a changed amount; the detailed current schedule/product page must identify the value and effective date.

Future-effective changesNo unambiguous future-effective mainstream Savings amount is promoted from the reviewed notice board. June 2026 revisions are treated as current refresh triggers, not guessed values.

Normalized fee ledger

Current and future rows stay distinguishable.

Every row carries its own scope, channel, effective state and first-party source.

current · current-productaccount-maintenance · account

Mainstream Savings opened under current structure — 6% of MAB shortfall or ₹500, whichever is lower

Account cohort/programme exceptions apply.

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current · current-sourcedebit-card · card

Platinum Debit Card — ₹300 + GST annual; ₹300 + GST replacement

Other debit-card variants differ.

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current · current-sourceatm · non-ICICI ATM

Savings account — 3 free in six metros / 5 elsewhere (max 5 free monthly); then ₹23 financial and ₹8.50 non-financial + GST

ICICI-own ATM free treatment is different.

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current · current-sourcetransfer · NEFT / RTGS

Retail digital — Nil

Branch charges remain amount-slab specific.

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current · 2025-07-01transfer · IMPS

Savings account — ₹2.50 up to ₹1,000; ₹5 above ₹1,000–₹1 lakh; ₹15 above ₹1 lakh–₹5 lakh + GST

Rail/channel-specific tariff.

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current · current-sourcebill-payment · digital

ICICI own bill payment/recharge platforms — Zero convenience fee

Biller/payment-instrument charges remain separate where applicable.

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current-review-trigger · 2026-06-17revision-watch · notice board

Savings Account service charges — Detailed fee revision requires source-field refresh

Do not infer a numeric change from notice title alone.

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Maintained terms

Fees, balances, benefits, limits and eligibility without a single-score shortcut.

These six fields are the cross-product layer. The specialist section above controls whenever a type-specific field is more precise.

Waivers / free-service treatmentICICI digital NEFT/RTGS are nil-charge in the reviewed current transfer schedule and ICICI's own bill-payment/recharge platform currently states zero convenience fee.

Fee thresholds / allowancesATM free counts and cash/transfer amount limits are different controls. Fee thresholds are tied to account/card/channel and should not be used as transaction ceilings.

Who the tariff applies toApplies after matching the customer's ICICI account opening cohort, relationship programme, debit card and transfer/payment channel.

Product / programme / channel relationshipNotice-board fee revisions are refresh signals; the exact current product tariff controls the value applied to a customer.

Fit & cautions

Who this record appears designed for—and what can break the fit.

Best-fit wording summarizes the published proposition. It is not individualized financial advice or an approval prediction.

Potential fit

ICICI customers who need to identify whether a fee comes from the Savings account, card, ATM network, transfer rail or relationship programme before comparing banks.

Verify before relying

ICICI's 2026 notice board contains multiple Savings fee revisions, including March 1 and a later June 17 update. v1.44 does not infer an unspecified charge change from a notice title alone; it keeps the current product/tariff value until the detailed first-party schedule identifies the affected field.
At non-ICICI ATMs, the reviewed free-count/post-free pricing differs from ICICI-own ATM treatment; do not compare only the ₹23 withdrawal charge without the preceding free allowance.
Programme and account-opening cohort can change MAB and waiver treatment, so the mainstream Savings tariff is not universal.

Maintained comparisons

Compare this product only where the pair is deliberately maintained.

Both sides keep independent review dates, exact conditions and first-party evidence. No winner score is generated.

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Latest recorded review September 10, 2026Maintained pair Source-backed

Decision checks