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Schedule of Fees and Charges


Processing fee

Rs 99 + Goods and Services Tax (GST) applicable. Processing fees will be charged which is non-refundable

Auto-Debit return fee

2% of Total Amount Due (Min. Rs.450) + Goods and Services Tax (GST)

Interest Rate

Interest rate is 16% PA.

The rate of interest may be changed at the sole discretion of ICICI Bank.

Interest Charges

In case of a default, interest charges may increase up to a maximum of 1.33% per month (16% per annum).

Late Payment Charges (LPC)

The LPC on account will be a function of the total outstanding balance and will be as follows:

Total outstanding balance LPC

Less than Rs 10,000

Rs 500 + Goods and Services Tax (GST)

More than Rs 10,000

Rs 750 + Goods and Services Tax (GST)

Fore closure charges

2% of current total outstanding balance + Goods and Services Tax (GST) applicable and 1 month interest charges applicable in advance while foreclosure.


Coral+ Debit Cards

Coral+ Debit Cards

Sapphiro Debit Cards

Sapphiro Debit Cards

Rubyx Debit Card

Rubyx Debit Card

Coral Paywave Contactless Debit Card

Coral Paywave Contactless Debit Card

EMI on Debit Card FAQ's'

EMI on Debit Card is one of the payment options available across local merchants and online websites. With your ICICI Bank Debit/ATM Cards you can now make payments in easy monthly instalments.

Eligible customers will see this option on the payment page during checkout for online transactions or SMS DCEMI_xxxx(last four digits of yourdebit card) to 5676766.

You have to visit Flipkart/Amazon website or their respective mobile app or mobile site. Select the product and add it to cart. Choose “EMI” option for payment, select “ICICI Bank-Debit Card” under “Easy Instalments”, enter the Debit Card details and complete the transaction.