Starting July 1: Your Everyday Banking Might Cost You More – Find Out Why!

New Delhi: Starting July 1, 2025, several major private sector banks including HDFC Bank and ICICI Bank will implement revised charges across various credit card and banking services. Customers are advised to stay updated with these changes to avoid unexpected fees.

HDFC Bank to Impose New Charges on Credit Card Transactions

HDFC Bank has notified its customers of several changes to its credit card fee structure, particularly targeting digital transactions such as:

1. Online Gaming Transactions

• A 1% fee will apply if a customer spends more than Rs 10,000/month on skill-based online gaming platforms such as Dream11, Rummy Culture, Junglee Games, MPL, etc.
• The fee is capped at Rs 4,999/month.
• No reward points will be awarded for such transactions.

2. Wallet Loading Charges

• Loading more than Rs 10,000/month into third-party wallets like PayTM, Mobikwik, Freecharge, Ola Money using an HDFC credit card will attract a 1% fee on the entire amount.
• This fee is also capped at Rs 4,999/month.

3. Utility Bill Payments

• A 1% charge will apply if monthly utility bill payments exceed Rs 50,000 using the HDFC credit card.
• Insurance payments are excluded from this category and won’t attract additional fees.

4. Rent, Fuel, and Education Payments

• Rent payments will continue to be charged at 1%, with the maximum fee capped at Rs 4,999 per transaction.
• Fuel payments exceeding Rs 15,000 will incur a 1% fee.
• Education-related payments made directly to official websites or through official card swipes will remain exempt from these charges.

ICICI Bank Revises Service Charges on Cash Transactions and ATMs

ICICI Bank has announced revised fees for various banking transactions, including deposits, ATM usage, and debit card services.

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1. Cash and Cheque Deposit Charges

• A new fee of Rs 2 per Rs 1,000 will be applied for cash deposits, cheque submissions, DD (Demand Draft), and PO (Pay Order) transactions.
• The minimum charge is Rs 50, and the maximum charge is Rs 15,000.
• Previously, the charge was Rs 50 up to Rs 10,000, and Rs 5 per Rs 1,000 thereafter.

2. ATM Usage Charges

• After three free transactions at non-ICICI ATMs, fees are now:
  • Rs 23 for financial transactions (up from Rs 21).
  • Rs 8.5 for non-financial transactions.
• For ICICI ATMs, after five free transactions:
  • Rs 23 per financial transaction for regular savings accounts.

3. Debit Card Fees

• Annual fee for ICICI Bank debit cards increased from Rs 200 to Rs 300.
• Replacement debit card fee has also gone up from Rs 200 to Rs 300.

Customers Advised to Review New Charges Before July 1

With these changes set to come into effect from July 1, 2025, customers of HDFC Bank and ICICI Bank are advised to review their monthly spending and banking habits. Staying informed will help minimize unnecessary charges and optimize usage.

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