From November 15, ICICI Bank will revise credit card charges, including finance and late payment fees. Finance charges on unpaid balances will be 3.75% monthly (45% annually). Late payment fees will vary by balance, with Rs 1,300 for over Rs 50,000. Education payments via third-party apps and utility transactions above Rs 50,000 will incur a 1% fee, while direct education payments remain fee-free.