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Bank fee profile comparison

HDFC Bank Banking Fees & Charges vs ICICI Bank Banking Fees & Charges

Compare HDFC Bank Banking Fees & Charges and ICICI Bank Banking Fees & Charges using the controlling cost, balance, rate, tenure, liquidity, limits, eligibility and current first-party bank evidence for this product type.

Bank fee profile comparison

HDFC Bank Banking Fees & Charges vs ICICI Bank Banking Fees & Charges

Compare the two source-backed records without collapsing unlike conditions into a winner score.

Latest underlying reviewSeptember 10, 2026
HDFC BankHDFC Bank Banking Fees & Charges

HDFC customers comparing a mainstream Savings relationship with Preferred/Imperia or other account tiers and wanting the actual fee thresholds behind 'free banking' claims.

Cost / pricing
Regular Savings uses location-based balance requirements and shortfall charges; cash transactions have both count and value thresholds. HDFC's current Platinum Debit Card page states ₹850 + taxes annual fee and ₹200 + taxes replacement, while Preferred/Imperia can waive the annual card fee during qualifying programme membership.
Reviewed
September 10, 2026
Evidence
6 bank sources
Open product research
ICICI BankICICI Bank Banking Fees & Charges

ICICI customers who need to identify whether a fee comes from the Savings account, card, ATM network, transfer rail or relationship programme before comparing banks.

Cost / pricing
For the reviewed mainstream Savings structure, non-maintenance charge is 6% of the balance shortfall or ₹500, whichever is lower, subject to programme/account exemptions. ICICI Platinum Debit Card is ₹300 + GST annually and ₹300 + GST to replace.
Reviewed
September 10, 2026
Evidence
7 bank sources
Open product research
Compare like with likeThese records share the same product type.
Conditions stay attachedBalance, tenure, channel, relationship and effective-date wording stays visible.
No missing-data inferenceMissing wording never means zero cost or unlimited access.
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bankingreference.info · Comparison research sheet

HDFC Bank Banking Fees & Charges vs ICICI Bank Banking Fees & Charges

Prepared 14 Sep 2026 · Source page: https://bankingreference.info/compare-banking/hdfc-banking-fees-charges-vs-icici-banking-fees-charges/

General product research only. Recheck the listed first-party sources before acting because product terms can change after the recorded review dates.

Decision checkpoints

Answer the questions that can actually change the choice.

Each checkpoint reproduces the recorded product fields instead of assigning a winner. Read the condition, scope and missing-data state before treating a difference as useful to you.

01Does this tariff apply to your exact account?Establish tariff scope before treating any listed fee as applicable.

HDFC Bank Banking Fees & Charges

Tariff scope
Retail fee index using Regular Savings as a mainstream base case while keeping Salary, Basic, Preferred, Imperia and Current Account tariffs separate.
Who the tariff applies to
Fee applicability depends on the exact HDFC Savings/Salary/Current/premium programme and linked card/channel.

ICICI Bank Banking Fees & Charges

Tariff scope
Retail fee index covering mainstream Savings plus ATM, debit-card, digital transfer, BillPay and Basic-account exceptions. Relationship programmes remain separate.
Who the tariff applies to
Applies after matching the customer's ICICI account opening cohort, relationship programme, debit card and transfer/payment channel.
02What maintenance costs and waivers are recorded?Keep waiver conditions attached to maintenance charges.

HDFC Bank Banking Fees & Charges

Account maintenance
Regular Savings: metro/urban shortfall charges range from ₹150 to ₹600 by AMB band; semi-urban up to ₹300; rural AQB shortfall charges are ₹270 or ₹450 by band under the reviewed consolidated schedule. Programme exemptions can override only the matching product.
Waivers
Preferred and Imperia currently state nil savings non-maintenance charges inside the programme and waive the ₹850 annual Platinum Debit Card fee while programme membership is maintained.

ICICI Bank Banking Fees & Charges

Account maintenance
Reviewed mainstream Savings: non-maintenance charge 6% of shortfall or ₹500, whichever is lower. New-account MAB structure from 1 August 2025 is ₹15,000 metro/urban, ₹7,500 semi-urban and ₹2,500 rural.
Waivers
Salary, Basic Savings and relationship programmes can waive or change selected base-account charges; no waiver is treated as universal without a controlling product source.
03Which effective-date conditions govern the charges?Check date logic and the full current cost wording before using a tariff.

HDFC Bank Banking Fees & Charges

Effective-date logic
A fee row retains the source's stated effective date where published; legacy pages remain evidence conflicts rather than silently overriding a newer product/programme page.
Current fee posture
Regular Savings uses location-based balance requirements and shortfall charges; cash transactions have both count and value thresholds. HDFC's current Platinum Debit Card page states ₹850 + taxes annual fee and ₹200 + taxes replacement, while Preferred/Imperia can waive the annual card fee during qualifying programme membership.

ICICI Bank Banking Fees & Charges

Effective-date logic
2026 fee-revision notices trigger re-verification. A notice title alone is not used to fabricate a changed amount; the detailed current schedule/product page must identify the value and effective date.
Current fee posture
For the reviewed mainstream Savings structure, non-maintenance charge is 6% of the balance shortfall or ₹500, whichever is lower, subject to programme/account exemptions. ICICI Platinum Debit Card is ₹300 + GST annually and ₹300 + GST to replace.
Other maintained comparisons for HDFC Bank Banking Fees & ChargesOther maintained comparisons for ICICI Bank Banking Fees & Charges
Exact terms

Put the controlling banking fields side by side.

The stored field wording is preserved. Product-type-specific evidence follows this generic comparison where deeper structured research exists.

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Banking product terms side by side for HDFC Bank Banking Fees & Charges and ICICI Bank Banking Fees & Charges
Decision factorHDFC Bank Banking Fees & ChargesICICI Bank Banking Fees & Charges
Current fee postureRegular Savings uses location-based balance requirements and shortfall charges; cash transactions have both count and value thresholds. HDFC's current Platinum Debit Card page states ₹850 + taxes annual fee and ₹200 + taxes replacement, while Preferred/Imperia can waive the annual card fee during qualifying programme membership.For the reviewed mainstream Savings structure, non-maintenance charge is 6% of the balance shortfall or ₹500, whichever is lower, subject to programme/account exemptions. ICICI Platinum Debit Card is ₹300 + GST annually and ₹300 + GST to replace.
Account / tariff scopeFor Regular Savings, the reviewed current structure is ₹10,000 AMB metro/urban, ₹5,000 AMB semi-urban and ₹2,500 AQB rural (with qualifying FD alternatives). Premium/salary/basic products can have different or waived balance-fee treatment.For new mainstream Savings accounts from 1 August 2025, the reviewed product structure is ₹15,000 MAB metro/urban, ₹7,500 semi-urban and ₹2,500 rural. Select/Wealth, Salary, Basic and NRI relationships have separate conditions.
Waivers / free-service treatmentCurrent HDFC digital NEFT/RTGS are nil-charge for the reviewed eligible retail scope, HDFC BillPay/SmartPay are zero transaction fee, and premium programmes can waive selected account/card fees.ICICI digital NEFT/RTGS are nil-charge in the reviewed current transfer schedule and ICICI's own bill-payment/recharge platform currently states zero convenience fee.
Fee thresholds / allowancesRegular Savings cash charges use both a monthly transaction-count threshold and monthly aggregate value threshold. Card/ATM daily limits remain separate from those fee counters.ATM free counts and cash/transfer amount limits are different controls. Fee thresholds are tied to account/card/channel and should not be used as transaction ceilings.
Who the tariff applies toFee applicability depends on the exact HDFC Savings/Salary/Current/premium programme and linked card/channel.Applies after matching the customer's ICICI account opening cohort, relationship programme, debit card and transfer/payment channel.
Product / programme / channel relationshipThe fee profile cross-references HDFC product tariffs; it does not turn Preferred/Imperia waivers into benefits for customers outside those programmes.Notice-board fee revisions are refresh signals; the exact current product tariff controls the value applied to a customer.
Fee-schedule detail

Compare tariff scope and waiver mechanics.

These fields come from each product's type-specific structured research, so service comparisons are not reduced to the same six generic rows.

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Table region. When the region itself has keyboard focus, use Left and Right arrows to scroll horizontally; Home and End move to the start or end.

Type-specific banking comparison terms for HDFC Bank Banking Fees & Charges and ICICI Bank Banking Fees & Charges
Decision factorHDFC Bank Banking Fees & ChargesICICI Bank Banking Fees & Charges
Tariff scopeRetail fee index using Regular Savings as a mainstream base case while keeping Salary, Basic, Preferred, Imperia and Current Account tariffs separate.Retail fee index covering mainstream Savings plus ATM, debit-card, digital transfer, BillPay and Basic-account exceptions. Relationship programmes remain separate.
Account maintenanceRegular Savings: metro/urban shortfall charges range from ₹150 to ₹600 by AMB band; semi-urban up to ₹300; rural AQB shortfall charges are ₹270 or ₹450 by band under the reviewed consolidated schedule. Programme exemptions can override only the matching product.Reviewed mainstream Savings: non-maintenance charge 6% of shortfall or ₹500, whichever is lower. New-account MAB structure from 1 August 2025 is ₹15,000 metro/urban, ₹7,500 semi-urban and ₹2,500 rural.
Debit-card chargesCurrent HDFC Platinum Debit Card page: ₹850 + applicable taxes annual fee and ₹200 + taxes replacement; programme-linked variants can receive a waiver while eligibility is maintained.ICICI Platinum Debit Card reviewed fee: ₹300 + GST annual and ₹300 + GST replacement. Other card variants/programmes retain their own fee schedules.
ATM chargesATM free counts and post-free charges are controlled by the matching HDFC account/ATM tariff. Older consolidated pages can contain stale post-free ATM figures, so the dedicated ATM/cash profile remains the current operational anchor.Savings customers: five free financial ICICI-ATM transactions monthly and ICICI non-financial transactions free; non-ICICI ATM allowance is three in six metros/five elsewhere (maximum five free monthly), then ₹23 financial and ₹8.50 non-financial + GST.
Cash / branchRegular Savings: four free cash transactions per month; aggregate cash up to ₹2 lakh/month is free. Beyond the applicable free value, ₹5 per ₹1,000 or part thereof, minimum ₹150; third-party cash is capped at ₹25,000/day under the reviewed tariff.Savings cash transaction pricing varies by account variant/opening cohort; this profile does not use a generic blog/article figure to override the current account schedule.
TransfersOnline NEFT/RTGS are nil-charge for reviewed eligible retail scope. Branch transfer fees remain amount-slab specific and are not treated as digital fees.Digital NEFT/RTGS nil. Reviewed branch NEFT is ₹2.25/₹4.75/₹14.75/₹24.75 + GST by slab and branch RTGS ₹20/₹45 + GST. Savings IMPS from 1 July 2025 is ₹2.50/₹5/₹15 + GST across stated amount slabs.
Digital servicesHDFC BillPay/SmartPay reviewed customer service fee is zero; programme/account and payment-instrument charges remain separate.ICICI currently states zero convenience fee on bill payments and mobile/DTH recharges through its own platforms.
WaiversPreferred and Imperia currently state nil savings non-maintenance charges inside the programme and waive the ₹850 annual Platinum Debit Card fee while programme membership is maintained.Salary, Basic Savings and relationship programmes can waive or change selected base-account charges; no waiver is treated as universal without a controlling product source.
Effective-date logicA fee row retains the source's stated effective date where published; legacy pages remain evidence conflicts rather than silently overriding a newer product/programme page.2026 fee-revision notices trigger re-verification. A notice title alone is not used to fabricate a changed amount; the detailed current schedule/product page must identify the value and effective date.
Wrong-fit risks

Keep each product’s cautions beside the product.

A useful comparison shows what can make either option unsuitable instead of averaging those conditions into a score.

HDFC Bank

HDFC Bank Banking Fees & Charges

  • HDFC maintains multiple current and legacy fee pages. Where a dedicated current product/programme page conflicts with older tariff copy, the more specific current product evidence is retained and the conflict remains visible.
  • Premium-programme waivers last only while the qualifying relationship continues; a downgrade can reactivate the base product or debit-card fee.
  • ATM interchange pricing, branch cash pricing and debit-card annual fees are separate fee systems and should not be added together as if they were one threshold.
ICICI Bank

ICICI Bank Banking Fees & Charges

  • ICICI's 2026 notice board contains multiple Savings fee revisions, including March 1 and a later June 17 update. v1.44 does not infer an unspecified charge change from a notice title alone; it keeps the current product/tariff value until the detailed first-party schedule identifies the affected field.
  • At non-ICICI ATMs, the reviewed free-count/post-free pricing differs from ICICI-own ATM treatment; do not compare only the ₹23 withdrawal charge without the preceding free allowance.
  • Programme and account-opening cohort can change MAB and waiver treatment, so the mainstream Savings tariff is not universal.
Research tools

Continue from the pair into exact product-level research.

These tools help narrow or inspect the records. They do not replace bank eligibility, live pricing or account-specific controls.

Independent source state

Verify each product from its own bank evidence.

One side's source depth or freshness never fills a gap in the other record.

MethodologyResearch statusMore banking comparisons

First-party source appendix

These are the exact source URLs already attached to the two research records. Re-open the controlling documents before relying on a fee, rate, limit, eligibility rule or benefit.

HDFC Bank Banking Fees & Charges

Reviewed September 10, 2026 · 6 attached first-party sources

  1. Fee / charge schedulehttps://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/accounts/saving-account/basic-savings-bank-deposit-account/fees-and-charges/pdf/consolidated-savings-account-fees-n-charges.pdf
  2. Fee / charge schedulehttps://www.hdfc.bank.in/savings-account/regular-savings-account/fees-and-charges
  3. Fee / charge schedulehttps://www.hdfc.bank.in/debit-cards/platinum-debit-card/fees-and-charges
  4. Fee / charge schedulehttps://www.hdfc.bank.in/hni-banking/preferred/fees-and-charges
  5. Fee / charge schedulehttps://www.hdfc.bank.in/hni-banking/imperia/fees-and-charges
  6. Issuer product pagehttps://www.hdfc.bank.in/money-transfer/add-a-beneficiary/funds-transfer-to-other-bank

ICICI Bank Banking Fees & Charges

Reviewed September 10, 2026 · 7 attached first-party sources

  1. Issuer product pagehttps://www.icici.bank.in/about-us/notice-board
  2. Issuer product pagehttps://www.icici.bank.in/personal-banking/accounts/savings-account
  3. Issuer product pagehttps://www.icici.bank.in/personal-banking/ways-to-bank/find-atm-branch/insta-banking/atm-banking/atm-banking-faqs
  4. Issuer product pagehttps://www.icici.bank.in/personal-banking/cards/debit-card/platinum-chip-card
  5. Fee / charge schedulehttps://www.icici.bank.in/personal-banking/payments/money-transfer/charges-limits-timings
  6. Fee / charge schedulehttps://www.icici.bank.in/personal-banking/payments/bill-payments-and-recharges
  7. Issuer product pagehttps://www.icici.bank.in/personal-banking/accounts/savings-account/basic-savings-bank-deposit-account