Archive · 2 Jun 2025
ICICI and HDFC Bank Credit Card Rule Updates for 2025
Starting July 1, 2025, both ICICI and HDFC Banks are changing some rules about their credit cards.
ICICI is changing how you get free access to airport lounges, requiring a spending minimum.
HDFC is adding fees if you spend a lot on online games, loading money into digital wallets, or paying for utilities.
HDFC also changed some other fees and how many rewards you can get for insurance payments.
ICICI Bank will modify credit card lounge access rules, requiring spending to maintain benefits.
HDFC Bank will implement new fees for online gaming and third-party wallet loading.
Utility payments exceeding certain monthly thresholds will incur fees.
Fees for rent, education, and fuel payments will be revised.
HDFC Bank will cap rewards earned on insurance transactions depending on card type.
- Who
- ICICI and HDFC Bank credit card holders.
- What
- ICICI and HDFC Banks will revise their credit card charges.
- When
- Changes go into effect July 1, 2025.
- Where
- N/A
- Why
- To revise charges on certain credit card transactions.
- ICICI Lounge Access Change
- Customers must spend ₹75,000 quarterly to maintain access, starting July 1, 2025. Premium cards are excluded.
- HDFC Online Gaming Fee
- 1% fee on spending over ₹10,000 per month on platforms like Dream11, capped at ₹4,999, no rewards.
- HDFC Wallet Loading Fee
- 1% fee for loading over ₹10,000 per month to wallets like Paytm, capped at ₹4,999.
- HDFC Utility Payment Fee
- 1% fee on utility spends over ₹50,000 (consumer) or ₹75,000 (business), capped at ₹4,999.
- HDFC Rent, Education, Fuel Fees
- 1% fee on rent, education (via apps), and fuel over ₹15,000 or ₹30,000. Capped at ₹4,999.
- HDFC Insurance Rewards
- Reward point caps on insurance transactions vary by card.
