ICICI Bank has announced multiple updates to its Credit Card features, reward structures, and charges, effective from January 15, 2026 and February 1, 2026. These changes impact reward point earnings, BookMyShow benefits, add-on card fees, dynamic currency conversion charges, transaction fees, EMI rules, and payment methods. This FAQs-style guide explains all the key updates clearly so you can understand how your credit card usage may be affected.
Are there any changes to reward points on ICICI Bank credit cards?
Yes. From January 15, 2026, ICICI Bank Emeralde Metal Credit Card users will continue earning 6 Reward Points for every ₹200 spent on retail transactions. However, reward points will not be earned on Government services, fuel, property management, rent, tax payments, and third-party wallets.
Are transportation-related spends still eligible for reward points?
Yes, with limits. From February 1, 2026:
• Rubyx, Sapphiro, Emeralde, and select premium cards will earn reward points on transportation MCCs (4111, 4112, 4784, 4131) up to ₹20,000 per month.
• Platinum, Coral, HPCL, Manchester United, CSK, Expressions, Parakram, and related variants will earn reward points up to ₹10,000 per month (points vary by MCC).
Is there any update on insurance spend rewards?
Yes. From February 1, 2026, ICICI Bank HPCL Super Saver Credit Card users will earn reward points on insurance spends up to ₹40,000 at the current earn rate (MCC: 5960, 6300, 6381, 6399).
What is changing in BookMyShow benefits?
• From February 1, 2026, complimentary BookMyShow movie benefits will be discontinued for ICICI Bank Instant Platinum Credit Cards.
• From January 15, 2026, other eligible cards can continue enjoying BookMyShow offers by spending ₹25,000 or more in the preceding quarter.
Is there a new fee for add-on (Plus) cards?
Yes. From January 15, 2026, a one-time fee of ₹3,500 will be charged for all new add-on cards issued for the ICICI Bank Emeralde Metal Credit Card.
Are Dynamic Currency Conversion (DCC) charges revised?
Yes. From January 15, 2026, revised DCC fees are:
• 1.49% – Times Black ICICI Bank Credit Card
• 2.00% – Emeralde Metal, Emeralde, Emeralde Private
• 0.99% – MakeMyTrip ICICI Bank Travel Credit Card
• 1.99% – Amazon Pay ICICI Bank Credit Card
• 3.50% – All other ICICI Bank credit cards
Are there new transaction fees on certain spends?
Yes. From January 15, 2026:
• 2% fee on gaming transactions (Dream11, MPL, Junglee Games, etc.) under MCC 5816
• 1% fee on wallet loading of ₹5,000 or more (Amazon Pay, Paytm, MobiKwik, etc.) under MCC 6540
• 1% fee on transportation spends exceeding ₹50,000 under transportation MCCs
Is there any change in cash payment charges at branches?
Yes. From January 15, 2026, cash payments at ICICI Bank branches for credit card dues will be charged ₹150 per transaction, up from ₹100.
Has the UPI ID for credit card payments changed?
Yes. ICICI Bank has introduced a new UPI ID format for credit card payments:
ccpay.<10-digit mobile number><last 4 digits of card>@icici
Example: ccpay.99999999991234@icici
Are there new EMI foreclosure charges?
Yes. Discontinuing or cancelling ongoing EMIs after opting for them at purchase will now attract EMI foreclosure charges, effective January 15, 2026. Call ICICI Bank Customer Care on 1800 1080 to know Charges
Are there updated usage guidelines for ICICI Bank credit cards?
Yes. ICICI Bank reiterates that credit cards are strictly for personal use only. Commercial usage, resale, speculative trading, money laundering, or working capital usage is prohibited.
Conclusion
The upcoming ICICI Bank Credit Card changes introduce tighter reward caps, new transaction fees, revised benefits, and higher service charges starting in early 2026. While premium cardholders retain many advantages, casual users and those relying on wallet loads, gaming platforms, or cash payments may see higher costs. Reviewing your card usage and understanding these updates in advance will help you avoid unexpected charges and make better financial decisions.
Click Here to View Official Document for the Changes
