Most Important Terms and Conditions (MITC) To get the complete version of the Credit Card Terms and

Conditions, please visit www.icicibank.com (a) Schedule of ees and Charges! ". #oining ees, $nnual ees and Supplementar% Card ees! ICICI &ank Card 'ariant #oining ee $nnual ee $nnual ee ("st %ear) ` ("st %ear) ` ((nd %ear onwards) ` ICICI &ank Sapphiro Credit ),*** +il ,,-**. Card ICICI &ank Sapphiro 'isa ),*** +il ,,-**. Credit Card ICICI &ank Signature Credit (-,*** +il (,*** Card ICICI &ank Singapore $irlines +il ),*** ),*** 'IS$ /latinum Credit Card ICICI &ank &ritish $irwa%s +il 0,*** 0,*** /remium Credit Card $ccount ICICI &ank &ritish $irwa%s +il ,,-** ,,-** Classic Credit Card $ccount ICICI &ank 1ub%2 Credit Card ,,*** +il (,***.. ICICI &ank 1ub%2 'isa Credit ,,*** +il (,***.. Card #et $irwa%s ICICI &ank -,*** +il -,*** Sapphiro $merican 32press Credit Card #et $irwa%s ICICI &ank -,*** +il -,*** Sapphiro 'isa Credit Card #et $irwa%s ICICI &ank (,-** +il (,-** 1ub%2 $merican 32press Credit Card #et $irwa%s ICICI &ank (,-** +il (,-** 1ub%2 'isa Credit Card #et $irwa%s ICICI &ank Coral ",(-* +il ",(-* $merican 32press Credit Card #et $irwa%s ICICI &ank Coral ",(-* +il ",(-* 'isa Credit Card ICICI &ank $scent $merican 4,*** +il ",*** 32press (1) Credit Card ICICI &ank 5ingfisher +il -,*** (,-** $irlines MasterCard 6orld Credit Card ICICI &ank 5ingfisher $irlines +il (,*** ",***

Supplementar% Card ee ($nnuall%) ` +il +il +il +il +il +il +il +il (-* (-* (-* (-* (-* (-* +il +il +il

MasterCard /latinum Credit Card ICICI &ank 5ingfisher $irlines +il -** -** +il MasterCard Titanium Credit Card ICICI &ank /latinum Identit% (,*** +il 0-* +il Credit Card ICICI &ank Coral Credit Card ",*** +il -**... +il ICICI &ank Carbon ",*** +il +il +il ICICI &ank 7/C8 /latinum +il ":: "::.... +il Credit Card 9 ICICI &ank 7/C8 Titanium Credit Card ICICI &ank /latinum Chip +il ":: ::.... +il Credit Card or all other cards, ;oining fees, annual fees and supplementar% card fees are currentl% +I8 for the /rimar% Card Member as well as for the Supplementar% Card Member. . If total spends on the Credit Card is ` -,**,*** or more during an anniversar% %ear, the $nnual ee for the subse<uent %ear shall be reversed. If the total spends on the Credit Card is less than ` -,**,*** during an anniversar% %ear, the $nnual ee shall not get reversed for the subse<uent %ear. .. If total spends on the Credit Card is ` (,-*,*** or more during an anniversar% %ear, the $nnual ee for the subse<uent %ear shall be reversed. If the total spends on the Credit Card is less than ` (,-*,*** during an anniversar% %ear, the $nnual ee shall not get reversed for the subse<uent %ear. ... If total spends on the Credit Card is ` ",(-,*** or more during an anniversar% %ear, the $nnual ee for the subse<uent %ear shall be reversed. If the total spends on the Credit Card is less than ` ",(-,*** during an anniversar% %ear, the $nnual ee shall not get reversed for the subse<uent %ear. .... If total spends on the Credit Card is ` -*,*** or more during an anniversar% %ear, the $nnual ee for the subse<uent %ear shall be reversed. If the total spends on the Credit Card is less than ` -*,*** during an anniversar% %ear, the $nnual ee shall not get reversed for the subse<uent %ear.

(. inance Charges! ICICI &ank Card 'ariant $ll Cards e2cept for the cards mentioned below ICICI &ank Instant /latinum Credit Card 9 ICICI &ank Instant @old Credit Card 9 i2ed Aeposit Instant Credit Card #et $irwa%s ICICI &ank Credit Cards

=verdue Interest on 32tended Credit Monthl% 1ate $nnual 1ate ,.4*> 4*.?*> (.4:> (:.??>

Interest on Cash $dvances Monthl% 1ate ,.4*> (.4:> $nnual 1ate 4*.?*> (:.??>

,.-*>

4(>

,.-*>

4(>

,. =ther ees and Charges! Cash advance B transaction fee

AialCaCdraft B transaction fee 8ate pa%ment charges

=n all Cards C (.-*> on advanced amount, sub;ect to a minimum of ` ,** e2cept for the following cards! =n 3as% Aeposit Card B +il for cash withdrawals at ICICI &ank $TMs =n Cash Card C ` "-" per transaction ,> of the draft value amount sub;ect to a minimum of ` ,** The 8ate /a%ment charges on %our card will be a function of the Total $mount Aue and will be as follows! Total $mount Aue 8ate /a%ment Charges 8ess than ` "** +one &etween ` "** C ` -** ` "** &etween ` -** C ` "*,*** ` -** &etween ` "*,*** C ` (*,***` )** More than ` (*,*** ` 0** (.-*> on the overClimit amount (sub;ect to a minimum of ` -**) (> of Total $mount Aue (Min. ` (-*) (> of Total $mount Aue (Min. ` (-*) ` "** per pa%ment transaction "> of the che<ue value, sub;ect to a minimum of ` "** ` 0-** E ` "** ` "** ` "** per pickCup

=verClimit charges. 1eturn of che<ue $utoCAebit return fee ee on cash pa%ment at branches =utstation che<ue processing fee #/Miles Dncapping ee Auplicate statement re<uest (be%ond , months) Card replacement fee Che<ue 9 Cash pickCup fee

Chargeslip re<uest ` "** per chargeslip oreign currenc% transactions.. MarkCup of ,.-*> 1ailwa% booking B surcharge ".?*> of transaction value for Internet transactions and (.-*> for other bookings. Cost of railwa% tickets will be recovered along with charges and ta2es levied if an% b% the ac<uiring bank at actual. uel surcharge (.-*> of transaction value or ` "* whichever is higher. Surcharge waiver of (.-> of transaction value on 7/C8 petrol pumps on select cards (this offer is valid on a ma2imum transaction of ` 4,***, when the pa%ment is made b% swiping the card on ICICI Merchant Services swipe machines). Surcharge waiver of (.-> of transaction value on all petrol pumps on select cards. Cost of fuel will be recovered along with charges and ta2es levied if an% b% the ac<uiring bank at actual. Service Ta2 $s ma% be applicable from timeCtoCtime, presentl% F "(.,)> (applicable on all fees, interest, surcharge and other charges) .=verC8imit ee! &ank ma% approve certain transactions attempted b% the Card MemC ber which can breach the credit limit, as a service gesture. /lease note that if the outC standing amount e2ceeds the credit limit, an overClimit fee of (.-> of the overClimit amount (sub;ect to a minimum of ` -**) will be levied. =verClimit status ma% also happen because of fees or interest charges. ..Charges in foreign currenc%! If a transaction is made in a currenc% other than InC dian 1upees, that transaction will be converted into Indian 1upees. The conversion will take place on the date the transaction is settled with ICICI &ank, which ma% not be the same date on which the transaction was made. If the transaction is not in DS Aollars, the conversion will be made through DS Aollars, b% converting the charged amount into DS Aollars and then b% converting the DS Aollar amount into Indian 1uC pees. Dnless a specific rate is re<uired b% applicable law, the conversion rate from DS Aollar to Indian 1upees will be at the rates provided b% 'IS$, MasterCard or $M3G, as the case ma% be, on the settlement date, increased b% a Currenc% Conversion actor assessment (currentl% ,.-*>) on such transactions. E or #et $irwa%s ICICI &ank Credit Cards (#et $irwa%s ICICI &ank Coral Credit Cards, #et $irwa%s ICICI &ank 1ub%2 Credit Cards and #et $irwa%s ICICI &ank Sapphiro Credit Cards) the Card Member can earn #/Miles on valid Credit Card spends. Such earnings will be capped at 4*,*** #/Miles for #et $irwa%s ICICI &ank Coral Credit Cards and #et $irwa%s ICICI &ank 1ub%2 Credit Cards and at )*,*** #/Miles for #et $irwa%s ICICI &ank Sapphiro Credit Cards ever% anniversar% %ear. $n anniversar% %ear shall mean one %ear from date on which the first #et $irwa%s ICICI &ank Credit Card is issued to the Card Member.

$ #/Miles uncapping fee of ` 0,-** (HDncapping eeI) will be levied each anniversar% %ear once the #/Miles cap as specified above is reached b% the Card member in that %ear. The Card Member will have to pa% this Dncapping ee before he9she can accumulate further #/Miles in that anniversar% %ear. The #/Miles cap will be reset at the beginning of ever% anniversar% %ear. 4. Interest Charges! ") Interest will be charged if the Total $mount Aue is not paid b% the pa%ment due date. Interest will be charged on the Total $mount Aue and on all new transactions (from the transaction date) till such time as the previous outstanding amounts are paid in full. $lso, interest will be levied on all cash advances from the date of the transaction until the date of pa%ment. () The rate of interest ma% be changed at the sole discretion of ICICI &ank. It can be as low as ".(-> per month ("-> per annum) depending on factors such as, but not limited to, credit histor%, purchase patterns, pa%ment behaviour, lo%alt% and monthC onCbook. ,) In case of default, interest charges ma% increase up to a ma2imum of ,.-*> per month (4(> per annum). The following illustration will indicate the method of calculating interest charges! In the table given below, it has been assumed that the Total $mount Aue of the previous month statement has been paid b% the pa%ment due date and there is no outstanding amount. The statement date is "-th of ever% month. @iven these assumptions, interest will be calculated as below! ` Transaction /urchase on $pril "*, (**: (,*** Total $mount Aue on statement dated $pril "-, (**: (,*** Minimum $mount Aue on statement dated $pril "-, (**: "** /a%ment due date C Ma% ,, (**: /urchase on Ma% 0, (**: ?** /a%ment on Ma% "*, (**: ",-** =n statement dated Ma% "-, (**:, following interest charges will be levied! Interest calculations F 4*.?*> per annum for @old Card a)Interest on ` (*** for ,* da%s (from $pril "* to Ma% :) )0.*0 b)Interest on ` -** for ) da%s (from Ma% "* to Ma% "-) ,.,c)Interest on ` ?** for : da%s (from Ma% 0 to Ma% "-) ?.*Total interest charged in the statement dated "-th Ma% 0?.40 Service ta2 will be applicable on interest charges.

-. 8ate /a%ment Charges (8/C)! 8ate pa%ment charges will be applicable if the Minimum $mount Aue is not paid b% the pa%ment due date. Illustrative 32ample for Calculation of 8ate /a%ment Charges! /a%ment of at least Minimum $mount Aue i.e. ` "** in the above e2ample, is re<uired to be paid b% the pa%ment due date (,rd Ma%), to ensure that no late pa%ment charges are levied. If minimum amount due is not paid, late pa%ment charges would be levied as per the below table! Total $mount Aue 8ate /a%ment Charges 8ess than ` "** +one &etween ` "** C ` -** ` "** &etween ` -** C ` "*,*** ` -** &etween ` "*,*** C ` (*,*** ` )** More than ` (*,*** ` 0** Thus, in the above e2ample, since the minimum amount due of ` "** is not paid b% the pa%ment due date of Ma% ,, (**: and since Total $mount Aue was ` (***, late pa%ment charges of ` -** will be levied on 4th Ma%, (**:. This charge will also be applicable if %ou make a pa%ment of less than the minimum amount due b% the pa%ment due date. Service ta2 will be applicable on late pa%ment charges. ). InterestC ree (@race) /eriod! The grace period could range from "? to 4? da%s. Illustrative 32ample for the calculation of grace period! or a statement for the period from $pril "-,(**: to Ma% "-,(**: the pa%ment due date would be #une (, (**:. $ssuming that %ou have paid %our Total $mount Aue of the previous month statement b% the pa%ment due date, the grace period would be! 1. or a purchase dated $pril (4, (**:, the interestCfree grace period is from $pril (4, (**: to #une (, (**:, i.e. 4* da%s. 2. or a purchase dated Ma% "4, (**:, the interestCfree grace period is from Ma% "4, (**: to #une (, (**:, i.e. (* da%s. Thus, the grace period can var% depending upon the date of purchase. 7owever, if the Total $mount Aue is not paid b% the pa%ment due date, then there will be no interestCfree period. or cash advances, interest is charged from the date of the transaction until the date of pa%ment. (b) 6ithdrawal 8imits! The Credit 8imit and Cash 6ithdrawal 8imit are communicated at the time of deliver% of the Card and are also indicated in the monthl% statements. $vailable credit limit is calculated b% deducting the utilised limit from the Total Credit 8imit. In case the Card Member has availed of an% loan within the credit limit on the card, the outstanding loan amount will also be deducted from the Total Credit 8imit to arrive at the $vailable Credit limit. Cash limit will be a subCset of credit limit and will be +I8 for the first one hundred and eight% ("?*) da%s from the date of issuance of the Card, on select Cards as ma% be specified b% ICICI &ank. $fter the e2pir% of the first "?* da%s period from the date of issuance of the Card, the cash limit will be made available to the Card Member b%

ICICI &ank at its sole discretion and on such terms as ma% be communicated b% ICICI &ank from timeCtoCtime. The Card Member shall be entitled to appl% for a review 9 enhancement 9 reduction of the credit limit and9or cash limit if provided b% ICICI &ank, upon completion of "( months of his membership. $lterations upon such review, if an%, of the credit limit and9or cash limit will be at the sole discretion of ICICI &ank. ICICI &ank shall at its sole discretion be entitled to review (including enhancement or reduction) the credit limit and9or the cash limit assigned on the Card at an% time and onl% enhancements, if an%, to the credit limit and9or the cash limit, shall be effected b% ICICI &ank with the consent of the Card Member. (c) &illing! ") &illing Statements B periodicit% and mode of sending! $ll Card Member will be billed on a monthl% basis for all charges incurred b% the use of the Card and for all charges applicable to the card account. 7owever, there ma% be no statement generated for the period in which there has been no outstanding due and no transaction on the account in the past month. The billing statement will be dispatched on a monthl% basis to customers at the mailing address as per our records b% post and9or b% eCmail. () Minimum $mount /a%able! 6ithout pre;udice to the liabilit% of the Card Member to immediatel% pa% all charges incurred, the Card Member ma% e2ercise the option to pa% onl% the Minimum $mount Aue (M$A) indicated in the statement b% the due date. The Minimum $mount Aue shall be -> of the outstanding amount or such other amount as ma% be determined b% ICICI &ank at its sole discretion. In case of an% repa%ment through installments, the installment amount due during the statement period will be added to the Minimum $mount Aue. If the total outstanding is more than the credit or cash limit, then the amount b% which the credit or cash limit has been e2ceeded will also be included in the Minimum $mount Aue. Minimum $mount Aue shall also include unpaid Minimum $mount Aue of the previous statements, if an%. Interest will be charged if the Total $mount Aue is not paid b% the pa%ment due date even if the Minimum $mount Aue has been paid. If %ou spend ` -,*** and pa% back e2actl% the Minimum $mount Aue (sub;ect to a minimum pa%ment of ` "**) ever% month, it will take %ou up to ) %ears and ) months to pa% back the total amount. 6e therefore suggest that whenever %our cash flows allow, pa% back an amount substantiall% more than %our Minimum $mount Aue. ,) Method of pa%ment! /a%ments towards the Card $ccount ma% be made in an% of the following wa%s! Cash! The Card Member ma% deposit cash at an% of the branches of ICICI &ank towards the Card pa%ment. Such pa%ments at branches would attract a fee of ` "** per pa%ment transaction. Che<ue9Araft! Make a che<ue or draft favouring ICICI &ank Credit Card +o. GGGG GGGG GGGG GGGG and drop it into the collection bo2 at an% ICICI &ank branch 9 Sk%pak drop bo2es 9 $TM locations where drop bo2es are available

Internet! If the Card Member holds a Savings $ccount with ICICI &ank he or she ma% pa% online through the ICICI &ankJs website. #ust log on to www.icicibank.com. $utoCAebit! If the Card Member holds a Savings $ccount with ICICI &ank, he9she ma% pa% directl% through the Savings $ccount b% giving an instruction in writing to debit the pa%ment from such account ever% month on the pa%ment due date. In case the pa%ment due date falls on a Sunda%, the amount would be debited from such account on the ne2t da%. Click to /a%9+3 T! /a% %our ICICI &ank Credit Card dues from an% of %our other bank Savings $ccounts using Click To /a%9+3 T. 4) &illing Aisputes 1esolution! In the event the Card Member disagrees with charges indicated in the statement, it should be communicated in writing to correspondence address of ICICI &ank within )* (si2t%) da%s of receipt of statement, failing which it would be construed that all charges indicated in statement are in order. the the the the

-) Contact /articulars of ICICI &ank (4Chour Customer Care Centres! The Card Member ma% contact ICICI &ank at an% of the following (4Chour Customer Care numbers and9or at such other Customer Care numbers as ma% be notified b% ICICI &ank from timeCtoCtime. States 9 Cities Contact numbers States 9 Cities Contact numbers $hmedabad ,,))0000 5arnataka ?*??))0000 $ndhra /radesh 0,*)))0000 5erala :*(*))0000 &engaluru ,,))0000 5olkata ,,))0000 &hopal ,,))000 8ucknow ,,))000 &hubaneshwar ,,))000 Madh%a /radesh :*:?))0000 &ihar ?"*())0000 Maharashtra :*("))0000 Chandigarh ,,))000 Mumbai ,,))0000 Chattisgarh :*:?))0000 =rissa :):())0000 Chennai ,,))0000 /ana;i ,,))000 Aehradun ,,))000 /atna ,,))000 Aelhi ,,))0000 /un;ab 0,*0))0000 3rnakulam ,,))000 1aipur ,,))000 @oa :*("))0000 1a;asthan 0?00))0000 @u;arat ?***))0000 1anchi ,,))000 @urgaon ,,))000 Shimla ,,))000 7ar%ana :*"0))0000 Tamil+adu 0,*-))0000 7imachal /radesh :?"0))0000 Dttar /radesh ?*?"))0000 7%derabad ,,))0000 Dttarakhand ?*?"))0000 #aipur ,,))000 6est &engal ?"*"))0000 #harkand ?"*())0000 )) @rievances 1edressal9Complaints93scalations! In the event that %ou are not satisfied with our services, %ou ma% register %our grievance b% (i) visiting HComplaint ormI at www.icicibank.com or (ii) calling at our Customer Care number or (iii) writing to Mr. Shiva 5umar Tadikonda, +odal =fficer, ICICI &ank 8imited, ICICI /hone &anking Center, ICICI &ank Tower, 0th floor, Surve% no! ""-9(0, /lot no. "(,

+anakramguda, Serilingampall%, 7%derabad B -***,(, India. In all communications with us, please indicate %our complete Credit Card number.

%our

0) Complete /ostal $ddress of the &ank! ICICI &ank 8imited, ICICI /hone &anking Center, ICICI &ank Tower, 0th floor, Surve% no! ""-9(0, /lot no. "(, +anakramguda, Serilingampall%, 7%derabad B -***,(, India. ?) TollCfree +umber for @rievance 1edressal! In the event %ou are not satisfied with our services, %ou ma% register %our grievance b% dialing our tollCfree number "?** "*( 4(4( between : a.m. to ) p.m. from Monda% to rida%, press " and then enter the Service 1e<uest +umber (numeric digits onl%) which should not be more than ( months old. d) Aefault and Circumstances! i) If the Card Member fails to pa% the Minimum $mount Aue b% the date indicated in the billing statement, it shall be treated as default. In case of default, the &ank can forward the default report to the Credit Information &ureaus or to such other agencies as approved b% law. The time period between the pa%ment due date and the billing date indicated on the billing statement is considered as the notice period for reporting a Card Member as a defaulter. ii) /rocedure for withdrawal of default report and the period within which the default report would be withdrawn after settlement of dues! .The &ank submits the Card MemberKs data to CI&I8 C Credit Information &ureau (India) 8imited ever% month in the format prescribed b% CI&I8. This data includes the repa%ment status of all Cardholders, both defaulters and current, for the previous month. CI&I8 uploads the submitted data onto their server in another thirt% da%s. iii) 1ecover% of dues in case of death9permanent incapacitance of the Card Member! It shall be in accordance with the applicable laws after giving sufficient notice for pa%ment of dues and all information regarding the outstanding dues, to the successors9nominees 9legal heirs of the Card Member. iv) ICICI &ank offers free insurance cover on certain cards through a tie up with ICICI 8ombard @eneral Insurance Compan% 8imited or an% other Insurance Compan% as ma% be decided b% ICICI &ank from time to time. or insurance details, cardholders are advised to go through the brochure in the welcome kit or refer to www.icicibank.com. (e) Termination91evocation9Surrender of Card membership! The Card Member ma% at an% time choose to terminate the Card $ccount with or without giving an% prior notice. or avoiding misuse, it is advised to cut the Credit Card into four pieces ensuring that the hologram and magnetic strip are destro%ed permanentl%. The Card Member ma% terminate the Card membership at an% time b% writing to HICICI &ank 8imited, ICICI /hone &anking Center, ICICI &ank Tower, 0th floor, Surve% no! ""-9(0, /lot no. "(, +anakramguda, Serilingampall%, 7%derabad B -***,(, IndiaI b% indicating the complete Card number. The termination shall onl% be

effective once ICICI &ank receives the pa%ment of all amounts due and outstanding in respect of the said Card $ccount. In the event of a credit card program closure or at the time of renewal of credit card, ICICI &ank 8imited at its sole discretion reserves the right to provide a card t%pe that is different from the e2isting card t%pe held b% the card member. The credit limits and cash limits on an% credit card at an% point in time are as per sole discretion of ICICI &ank 8imited. The card application shall continue to be valid for an% replacement card provided at the time of closure9renewal. (f) 8oss9Theft9Misuse of Card! In case of loss9theft9misuse of the Card, it must be reported immediatel% to the ICICI &ank Customer Care. The &ank shall thereupon suspend the Card. The Card Member is advised to file an I1 with the local police station so that the Card Member can produce its cop% whenever re<uested b% the &ank. The Card Member shall be primaril% responsible for the securit% of the Card including theft and for the transactions using the Card. The Card Member shall not be liable for an% transaction9s made on the Card post reporting its loss9theft9damage. 7owever, in case of an% dispute relating to the time of reporting such loss9theft9damage and9or transactions made on the Card post reporting of the loss9theft9damage9misuse, the &ank reserves the right to ascertain such time and or the authenticit% of the disputed transactions. (g) Aisclosure! The &ank shall part with all available information about the Card Member, repa%ment histor% etc. to Credit Information &ureaus or to such other agencies approved b% law. ICICI &ank9@roup Companies reserve the right to retain the application forms and documents provided therewith, including photographs, and will not return the same. Aisclaimer! .ICICI &ank ma% at its sole discretion, utilise the services of e2ternal service provider9s or agent9s and on such terms as re<uired or necessar%, in relation to its products.