ICICI Credit Cards Devaluation 2025: Is Your Favorite Card DEAD? 😱

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STOP Using Your ICICI Credit Card Before It's Too Late! (2025 Changes) ICICI Credit Card Rules Changed | अब होगा तगड़ा नुकसान

The devaluation of ICICI Bank credit cards in 2025 is a complex issue, with various changes affecting different card categories and customer behaviors. The changes largely involve revisions to reward programs, new transaction fees, and adjusted terms for annual fee waivers and lounge access.

Key Changes to ICICI Credit Cards in 2025

Reward Point Capping: ICICI Bank has capped reward points on specific spending categories. For example, some cards now have a maximum spend value for earning rewards on utility, insurance, and grocery transactions.

Transaction Fees: New fees have been introduced for certain types of transactions. A 1% fee may be charged on utility spends over ₹50,000/month, and a similar fee applies to fuel transactions exceeding a specific monthly limit.

Revised Lounge Access: To get complimentary domestic airport lounge access, ICICI credit cardholders must now meet a new spending threshold, which is typically around ₹75,000 in the preceding quarter.

Exclusions from Milestone Benefits: Spends on categories like rent, government transactions, and education are now often excluded from the calculations for annual fee waivers and milestone benefits.

Changes to Co-branded Cards: Some co-branded cards, like the Amazon Pay ICICI Credit Card, have seen their benefits adjusted. While some features, like the forex markup, have been improved, others, such as cashback on certain utility payments, have been removed.

These changes are part of a broader industry trend where banks are recalibrating their credit card portfolios to encourage responsible spending and ensure the long-term sustainability of their rewards programs. For cardholders, this means it's crucial to review the updated terms and conditions to avoid unexpected charges and to continue maximizing the value from their cards. ICICI Credit Card Devaluation 2025: Is Your Favorite Card DEAD?

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