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Service Charges & Fees for Personal Loans on Credit Card
You can avail a Personal Loan on Credit Card of up to Rs 20 lakh at a lower interest rate, starting from 14.99% per annum and flexible tenure of up to 60 months.
The interest shall be at such a rate which has been indicated by ICICI Bank to the Card Member at the time of making the offer for the Facility. The interest calculation will start from the time the request regarding the Facility has been confirmed by the Card Member.
Goods and Services Tax (GST) will be applicable on the interest component of the EMI every month.
Details about Contingent Charges |
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I | Rate of annualised penal charges in case of delayed payments* |
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II | Rate of annualised other penal charges* |
2.5% of the over-limit amount (subject to a minimum of Rs 550) will be levied, except for ICICI Bank's Emeralde Credit Card. GST will be applicable on over-limit fees.
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Charges in case of delinquency: d) Charges incurred in filing legal suit – at actuals |
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e) Charges incurred in sending different notices – at actuals |
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f) Pick-up charges per instance – Rs 500 + GST |
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g) Cash transaction charge per instance for repayment of EMI dues at Branches – Rs 100 + GST |
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III | Cooling off / look up period during which the borrower shall not be charged any penalty for cancellation / pre-payment of loan |
15 days |
*Above mentioned charges (Section XII & XIII) should be considered in line with Credit Card Most Important Terms & Conditions (MITC). Rates mentioned above are subject to revision at the sole discretion of ICICI Bank.
Bank Lending Rate Range: Q2 FY 23-24 (1st July 2023 to 30st September 2023)
Type of credit facility | Max | Min | Mean |
---|---|---|---|
Personal Loan on Credit Card | 16% | 11% | 14.20% |
Notes:
- The range of interest rate provided above is for individual Personal Loan on Credit Card disbursed during Q2 FY 2023-2024.
- The mean rate of interest is computed basis sum of each rate of interest charged/sum of the number of accounts opened.
Annual Percentage Rate
The Annual Percentage Rate (APR) calculator is provided to compute annualised credit cost which includes interest and processing fees.
Net interest which will be displayed, will be based on inputs.
The APR does not include GST wherever applicable.
To calculate the same, please click here to download the APR calculator.