Do you have a credit card from HDFC or ICICI Bank? Rules change from July 1, know how much the load will be on the bag

If you are the credit card holder of the country’s two largest private banks – HDFC and ICICI Bank, then this news is very important to you. From 1 July 2025, major changes are implemented in the rules associated with the credit cards of these two banks, which can have a direct impact on your expenses and benefits of your month. Let us understand in detail what will change and how heavy it will be on your pocket. 1. 1% additional levy on online games if you spend more than £ 10,000 a month on any online game platform (such as Dream11, MPL, RummyCircle, etc.) with HDFC credit card, the bank will charge 1% on that additional expenses. However, this levy will be limited to a maximum of £ 4,999. 2. Lift on the wallet of the wallet If you do more than £ 10,000 in third-party wallets such as Paytm, Mobikwik, Freecharge or Ola money, you will have to pay 1% on the entire amount. 3. Costs on payment of the utility bill if you pay more than £ 50,000 (electricity, water, gas, etc.) per month, 1% fee is charged. There will be no levy on the transactions below. 4. 1% fee applies as previously to costs for rental payment and fuel transactions. If fuel transaction is more than £ 15,000, it will still be charged 1%, but here the maximum cost will be limited to £ 4.999. 5.. There will be no extra levy on insurance payment and reward restriction transactions. But the limit of reward points received on insurance has been reduced, which can reduce the benefits the cardholders receive. What will be the change in the credit card of ICICI Bank. The minimum charge is £ 50 and a maximum of £ 15,000. Earlier, this cost was £ 50 for £ 10,000 and then £ 5 per £ 1,000. 2. ATM transaction costs increase to 3 free transactions: £ 23 must be paid on financial transactions £ 8.5 on non-financial transactions. 3. The new rules for access to the airport lounge are now only free from the ICICI bank card if you spent £ 75,000 or more in the last quarter. This facility is provided for every three months. These changes affect the ordinary man, the biggest impact of these new rules is on the clients who make account payments, wallet supplementation and credit card game transactions. Want to benefit from Airport Lounge for free. Use ATMs from other banks. Now, before each transaction, customers must think that these expenses will not increase the extra costs. What should cardholders do? Monitor the expenses of each month – avoid wallet or game expenses above £ 10,000. Limit ATM transactions – Use more of your ATM from ICICI Bank. Do you need the benefit of Airport Lounge? – Ensure £ 75,000 in the quarter with ICICI card. Check out alternative payment options – make a little payment from UPI or debit card so that additional costs are not available. The conclusions will redefine and re -define the balance of benefits. Customers should think of their card use strategy again. Although these changes will strengthen the bank’s Rivenu model, customers can also avoid extra fees by doing intelligence. If you want, I can also prepare a SEO YouTube shorts package (title, description, hashtag, keyword) on this topic so you can make this update better to the people in a video form.