ICICI Bank

Savings Account
Simplified Product Proposition

Enhanced Servicing

Improved Operational Efficiency

 Key Highlights

Common Charges Balance of Rs 50,000 Cash transaction limits

for everyone and Non maintenance revised: Unified
charges for all base/Non-base branches

Differentiated services based Spend / MIB based Family Banking threshold

on Program Criteria Lounge Access on increased to 1.5X,
Debit Card Program Criteria override
balance requirement

All Digital Transactions NIL charges for Senior Current Account:

are complimentary: Citizens except Cash Embedded Trade and
Services at Branches are transaction Merchant Proposition
chargeable
 Product Overview

Savings Account Select Banking Wealth Management Private Banking

Programme Eligibility Criteria Programme Eligibility Criteria Programme Eligibility Criteria

Monthly balance
Urban and Metro: 50k
Semi Urban: 25k MIB (CASA+ Deposits): 2L MIB (CASA+ Deposits): 10L MIB (CASA+ Deposits): 50L
Rural: 10k MIB+MF AUM+ Demat: 25L MIB+MF AUM+ Demat: 50L MIB+MF AUM+ Demat: 5Cr

3-in-1 Account
All Base Benefits All Select Banking benefits All Wealth management benefits
Titanium/Platinum Debit Card + + +
Titanium/Platinum Debit card Wealth Management Debit Private Banking Debit card with
Complimentary Air Accidental with lounge access* card with lounge access* lounge access*
Death Insurance
Preferential offering on loans
and demat account
Priority assistance on Team of specialised banking
Family Banking up to phone banking experts for servicing &
9 family members investment

Relationship Manager
Special pricing on
Complimentary air & personal remittances, lockers and Portfolio management
accidental death benefits credit cards services

*lounge access criteria: 10k quarterly spends or maintain MIB as per programme criteria
ICICI Bank Savings Account

₹ Monthly Average balance required is ₹50,000

3-in-1 Account (Savings + Demat +Trading)

₹

Titanium/Platinum Debit Card for

your cash requirements

Premium Credit Card basis eligibility

24*7 Banking on the go with iMobile App

Air Accidental Death Insurance cover of ₹50,000

 Enjoy Extra privileges
by enrolling into our programmes
Select Banking

Programme Eligibility Criteria

MIB (CASA+ Deposits): 2L

MIB+MF AUM+ Demat: 25L

Programme eligibility criteria to override the

MAB requirement criteria of 50k

3-in-1 Account (Savings + Demat +Trading)

₹

Titanium/Platinum Debit Card with

1 lounge access per quarter*

Access to Relationship Manager

₹
Preferential offering on loans and demat account

Extend benefits with up to 9 family members with

family banking

Air Accident Death Insurance cover of ₹40 lakh and

Personal Accident Death Insurance cover of ₹10 lakh

*lounge access criteria: 10k quarterly spends or maintain MIB as per programme criteria
Wealth Management

Programme Eligibility Criteria

MIB (CASA+ Deposits): 10L

MIB+MF AUM+ Demat: 50L

Programme eligibility criteria to override the

MAB requirement criteria of 50k

₹
3-in-1 Account (Savings + Demat +Trading)

Wealth management debit card with

2 Domestic lounge access per quarter*

Dedicated Relationship Manager

Priority Servicing upon calling 1800 1080

Preferential offering on remittances, loans and

₹
demat account

% Special pricing on locker and credit cards

Extend benefits with up to 9 family members with

family banking

Air Accident Death Insurance cover of ₹1 crore

and Personal Accident Death Insurance cover of ₹12 lakh

*lounge access criteria: 10k quarterly spends or maintain MIB as per programme criteria
Private Banking

Programme Eligibility Criteria

MIB (CASA+ Deposits): 50L

MIB+MF AUM+ Demat: 5Cr

Programme eligibility criteria to override the

MAB requirement criteria of 50k
₹
3-in-1 Account (Savings + Demat +Trading)

Private banking debit card with

6 Domestic lounge access per quarter*

Priority Servicing upon calling 1800 1080

Team of specialized banking relationship experts for

servicing, investments & business
Portfolio Management Services and advisory on tax planning,
estate planning and alternate funds

% Special pricing on locker and credit card fees

Extend benefits with up to 9 family members with

family banking

Air Accident Death Insurance cover of ₹3 crore

and Personal Accident Death Insurance cover of ₹15 lakh

*lounge access criteria: 10k quarterly spends or maintain MIB as per programme criteria
 Savings Product Suite at a glance
Features Savings Account Select Banking Wealth Management Private Banking

Eligibility Criteria Any one of: Any one of: Any one of:
Deposits & Balances: 2L Deposits & Balances: 10L Deposits & Balances: 50L
-
Deposit, Balances, MF AUM, Deposit, Balances, MF AUM, Deposit, Balances, MF AUM,
Demat: 25L Demat: 50L Demat: 5Cr

Urban and Metro: 50k

Monthly Average Balance Semi Urban: 25k 50k 50k 50k
Rural: 10k

Debit Card Type Titanium/Platinum Debit Card Titanium/Platinum Debit Card Wealth Management Debit Card Private Banking Debit Card

*Lounge Visit/ Quarter 1 2 6

Complimentary Personal
10L 12L 15L
Accidental Insurance

Complimentary Air
50k 40L 1Cr 3Cr
Accidental Insurance

Special offering on demat fees

Family Banking

Asset Preferential pricing

Dedicated RM

Priority Phone Banking

Special pricing on Locker & CC

Portfolio Management &

Tax Planning services

*lounge access criteria: 10k quarterly spends or maintain MIB as per programme criteria
 Solution for Family members

Kids Student Seniors

Eligibility: 0 to 18 years Savings Account with Priority Assistance on

No minimum balance call and branches
Enhanced Security: requirement
Guardian operated Investment Solutions
accounts Complementary with higher rate of
Credit cards returns
Self operated accounts
with transaction limits. Collateral free Retirement Planning
Education Loan
iWish Savings: Goal Safe and secured
based savings for child’s Overseas Education banking with iMobile
future milestones consultancy
Enjoy all services at
24*7 Mobile banking Seamless transition to no cost*
through iMobile salary accounts upon
joining the workplace

*Cash deposit/withdrawal changes applicable post 3 transactions of upto Rs. 1L each

 ICICI Bank Savings Account for Kids

Monthly iWish goal-based 24*7 Digital Debit Card Complimentary

Average savings for child’s banking with with lounge Accidental Death
Balance 50K future milestone iMobile access* Insurance*
*benefits basis programme enrolled

Guardian Operated Account Eligibility: 0-18 years

Status Code:
Private Banking KDPBP
Save for future No Annual Transaction Limit Wealth Management KDWMP
Select Banking KDSEL
Savings Account KDONE

Self Operated Account Eligibility: 10-18 years

Status Code: Status Code: Transaction limit

YNIND Private Banking YNPBP up to 6L
Annual Transaction Wealth Management YNWMP up to 5L
Limit: up to 1L Select Banking YNSEL up to 3L
Without guardian With guardian Savings Account YNONE up to 2L
consent consent
 ICICI Bank Savings Account for Students

Accounts for Students from Premium Institutes

3-in-1 Account Easy transition to Salary

(Savings + Demat + Trading) Account upon joining workplace

No minimum Accidental Death Insurance

₹ balance requirement basis respective programme

Collateral free Education Loans 24*7 Digital Banking Solutions

up to 1 Cr at an attractive rate through iMobile- UPI transfers,
IMPS/NEFT, Bill payments and
much more
NJF/NAF Credit cards from 1st year
basis eligibility (Sapphiro Credit
Card for Wealth Management)
ICICI Bank Savings Account for Seniors

All Banking Services at no cost*

Digital Banking Monthly Average Premium Debit Cards

Secured and safe digital Balance Debit cards with lounge
banking services at your Maintain a monthly visits basis MAB & spends
fingertips with iMobile & RIB average balance of 50K last quarter

Doorstep Banking Priority Assistance Investment Solutions

Get services at your door Priority at branches SCSS government backed
at no additional cost Priority @1800 1080 with Tax benefit
Additional Interest rate
on Fixed deposit
3-in-1 Account
(Savings + Demat + Trading)

*Cash deposit/withdrawal charges applicable post 3 transactions of up to Rs. 1L each

Maintain program MIB threshold or MAB:50K to avoid account non maintenance charges
 Status code at a glance

Product Variant
Category
Savings Account Select Banking Wealth Management Private Banking

Metro: GNONE
General Semi Urban: SUONE GNSEL GNWMP GNPBP
Rural: RUONE

Metro: SRONE
Senior Citizens Semi Urban: SUSRO SRSEL SRWMP SRPBP
Rural: RUSRO

Kids

Guardian operated KDONE KDSEL KDWMP KDPBP

Self operated (Guardian consent) YNONE YNSEL YNWMP YNPBP

Self operated - - -
(Without guardian consent) YNIND

Student STONE - GNWMP -

 Charges Overview

Parameters Non Senior Citizen Senior Citizen

Urban: ₹50,000 Urban: ₹50,000

Monthly Average Balance Semi Urban: ₹25,000 Semi Urban: ₹25,000
Rural: ₹10,000 Rural: ₹10,000
Non-maintenance Charges 6% of shortfall up to Rs 500 6% of shortfall up to Rs 500

Cash Transaction Charges 3 complimentary txns up to 3 complimentary txns up to

₹ 1L each for Deposits & ₹ 1L each for Deposits &
Withdrawals Withdrawals
Unlimited ICICI ATM
Up to 5 free withdrawals
withdrawals
Unlimited Non ICICI ATM Up to 5 free withdrawals
withdrawals
"Complimentary Online txns complimentary
IMPS / NEFT / RTGS" Branch txns chargeable
Complimentary duplicate Online: Complimentary
statement At branch: Chargeable
Waiver on DD charges
Waiver on Debit card fees
Waiver of SMS charges
 Family Banking

Points to be noted
₹

Up to 9 Family members can be linked under savings account

*1.5 times of the respective programme criteria has to be maintained

collectively at family level

Non Maintenance charges applicable to all family accounts in case

programme eligibility criteria or individual MAB criteria is not met

**Domestic airport lounge access per quarter basis 10K spends/

quarter or MIB is maintained as per programme

Family Debit cards with (3+1) lounge access has been discontinued
but existing card holders will continue to enjoy the benefits

Priority services for members of Wealth and Private Family Banking

How to avail ?
Maintain the Higher Cards with
criteria collectively* Insurance Lounge access** iMobile: Services >> Account Services >> Request for Family Banking

Branch: Grouping/Family ID Request form

TAB: Add Ons > Family Banking Request

Preferential Priority
Pricing Services* RIB Path: Service Request >> Request for Family Banking
3 in 1 Account (Savings, Demat & Trading)

Buy stocks directly from the

funds in your Savings Account

₹ Get access to Investment Ideas,

know what to buy, and when to buy

No Broker Pool Account: Your funds remain in

your bank account, and not with the broker

Earn additional 3%* interest: With the

3-in-1 account, earn interest up to 3% on
funds kept in trading account

Industry first eATM: Instant pay out of

99% of the sale value within 5 minutes
of order execution

Margin Trading Funding (MTF) Buy stocks

completely cashless with interest rates as low
as 9.69% p.a

*Interest rates are subject to change as per RBI norms

 iMobile - Faster. Safer. Convenient!
Convenience on fingertips with iMobile Pay

Consolidated Accounts Spend Analysis

Consolidated view of
Insightful spend
balances of all other bank
analysis and budgeting
accounts at a single place

Smart Lock Card Controls

Lock or Unlock your Upgrade card, manage
accounts on limits, Instant Credit Card,
suspecting fraud Block/Unblock Card,

4.8 4.6

Pay to Link all Scan Open Savings Pay your Smart Invest &
Contact your Account to Pay Account bills lock Insurance
 Summary of Charges
Charge Type One Savings Account One Current Account

MAB (SA) / QAB (CA) ₹ 50,000 (25,000 for SU; 10,000 for RU) ₹ 50,000 (₹ 25,000 for SURU)

Non-maintenance
6% of Shortfall up to ₹ 500 ₹ 2,000
Balance - Charges

3 complimentary Txns up to ₹ 1 Lac per month, Cash Deposit:

Cash Transaction each for Deposits & Withdrawals*. MAB =< 25 Lac: No charges up to 3 times of
Charges MAB or ₹ 25 Lac; whichever is lower
>3 Txns: ₹ 150 per Txn > ₹ 1 Lac per month: MAB > 25 Lac: No charges up to ₹ 50 Lac
₹ 3.5/1,000 (Sub. to Min ₹ 150) Then ₹ 3.5/1,000 (Sub. to Min ₹ 50/-)

CRM Deposit ₹ 50 per txns (>10k per month on non working hours) ₹ 50 per txns (post working hours)

No Charges up to 50 txn/ month

Up to ₹ 1,000 – ₹ 2.50/txn
IMPS - Outwards IMPS: Complimentary
₹ 1,000 to ₹ 1 lac –₹ 5/txn
₹ 1 lac to ₹ 5 lac –₹ 15/txn

₹ 2 per ₹ 1,000 Min No charges for 30 DD, Then, ₹ 2 per ₹ 1,000

Issuance of DD
₹ 50 & Max ₹ 15,000 Min ₹ 50 & Max ₹ 50,000

15 paise per SMS (max ₹ 100/qtr) ₹ 25 per month for non-individual customer
SMS Charges
NRI-NIL SMS Charges and 15 paise per SMS for individual customer

Debit Card Annual/Replacement fee ₹ 300 Annual/Replacement fee ₹ 300

Nil Charges for Sr Citizens except

NMAB and Cash Transaction Charges *Cash deposits and withdrawal at branches and Cash deposits at CRMs
 Summary of Charges
Charge Type One Savings Account One Current Account

5 Complimentary Txns (>5 Txn, ₹ 23) 5 Complimentary Txns (>5 Txn, ₹ 23)
ICICI Bank ATM
Non Fin: Complimentary Non Fin: Complimentary

Complimentary Txn p.m.: 3 - Metro/ Complimentary Txn p.m.: 3 - Metro/

ATM Interchange
5 - Non-Metro Financial - ₹ 23 per 5 - Non-Metro Financial - ₹ 23 per txn
non ICICI Bank
txn and Non-Financial - ₹ 8.5 per txn and Non-Financial - ₹ 8.5 per txn

Online Channel : Nil�Branch : ₹ 20 per txn: ₹ 2 lacs Online Channel : Nil�Branch : ₹ 20 per txn: ₹ 2 lacs
RTGS outward
to ₹ 5 lacs �₹ 45 per txn - Above ₹ 5 lacs to ₹ 5 lacs �₹ 45 per txn - Above ₹ 5 lacs

Online Channel : Nil ; Online Channel : Nil ;

Branch : ₹ 2.25 per txn – up to ₹ 10k� Branch : ₹ 2.25 per txn – up to ₹10k�
NEFT charges
₹ 4.75 per txn - > ₹ 10k – 1 lac ₹ 4.75 per txn - > ₹ 10k – 1 lac
outward
₹ 14.75 per txn - > ₹ 1 lac – 2 lac ₹ 14.75 per txn - > ₹ 1 lac – 2 lac
₹ 24.75 per txn - > ₹ 2 lacs – 10 lacs ₹ 24.75 per txn - > ₹ 2 lacs – 10 lacs

Issue of statement ₹ 100 for each month’s statement printed ₹ 100 for each month’s statement printed
(Green Charges) at Branch / Phone Banking ; Nil at ATM/ at Branch / Phone Banking ; Nil at ATM/
iMobile / Internet Banking iMobile / Internet Banking

Merchant Throughput NA >= ₹ 75,000 per quarter

Trade Pricing NA Embedded Trade features

Nil Charges for Sr Citizens except

NMAB and Cash Transaction Charges
 Penal Charges

Charge Type One Savings Account

₹ 500 per instance for financial reasons. Maximum recovery -

ECS / NACH Debit Returns
3 instances/month for same mandate

Cheque return outward

(cheque deposited by customer) ₹ 200 per instance for financial reasons

Cheque return inward ₹ 500 per instance for financial reasons.

(cheque issued by customer) ₹ 50 for non-financial reasons except for signature verification

POS Decline/
₹ 25 per transaction
ATM Decline charges