Have HDFC Or ICICI Credit Cards? These Rules Are Changing From July 1

Last Updated:June 06, 2025, 11:22 IST

New rules for HDFC and ICICI credit cards from July 1 will impact rent payments, online gaming, wallet loads, fuel spends, and ATM transactions

If you hold a credit card from HDFC or ICICI banks, this news is important for you. From July 1, 2025, new rules will come into effect that could impact your wallet. Here’s a detailed look at what will change.

Changes In HDFC Bank Credit Card Rules

HDFC Bank is revising charges related to online gaming, wallet loads, and reward points on insurance transactions. These updates could affect how you use your credit card.

• If you spend over Rs 10,000 per month on online gaming platforms, a 1% fee will be charged on the total amount. However, this fee will be capped at Rs 4,999 per month, no matter how much you spend.
• If you add more than Rs 10,000 in a month to a third-party wallet (like Paytm, MobiKwik, FreeCharge, or Ola Money) using your HDFC credit card, a 1% fee will also apply to the entire transaction amount.
• If your utility bill payments exceed Rs 50,000 per month, a 1% charge will be levied on the total spend. However, insurance payments will not attract any additional fee.

Other Updates For HDFC Credit Card Holders

HDFC Bank has also revised the fee structure for rent, fuel, and education-related transactions:

• A 1% fee on rent payments will continue as before.
• For fuel spends over Rs 15,000, a 1% fee will apply, but the maximum fee will be capped at Rs 4,999.

ICICI Bank Credit Card Changes

ICICI Bank has also updated its service charges and usage conditions:

• For cash deposits, cheques, demand drafts, and pay order transactions, customers will now be charged Rs 2 per Rs 1,000 deposited. The minimum charge will be Rs 50, and the maximum will be Rs 15,000. Previously, Rs 50 was charged for deposits up to Rs 10,000, and Rs 5 per Rs 1,000 for larger amounts.
• ATM charges have gone up too. After three free transactions at ATMs of other banks, ICICI will charge Rs 23 for financial and Rs 8.50 for non-financial transactions.
• As per the updated policy, only those ICICI credit cardholders who spend at least Rs 75,000 in the previous quarter will be eligible for free domestic airport lounge access for the following three months.

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