NRI Premium Programme

The NRI Premium Programme is an exclusive banking offering for non-resident Indians (NRIs) that provides preferential services, special privileges, and Premium banking benefits.

You can apply for an NRE/NRO Account either through our Assisted Journey with the help of a Relationship Manager or through a Do-It-Yourself (DIY) Journey online.

RM Assisted Journey

• Sign up for an NRE/NRO Account: Fill your details to receive a call.
• Live Assistance: Get help over a call to fill the account opening form and KYC documentation.
• Account Opened: Your account is opened after successful scrutiny of KYC documents.
• Activation: Activate your account with the first fund transfer from your own overseas account.

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Do-It-Yourself (DIY) Journey

• Get Started: Choose the NRE/NRO account program that suits you.
• Complete Your Application: Complete and submit the digital form with your details (Keep your self-signed copies of Passport, visa, and address proof ready).
• Account Opened: Your account is opened after successful scrutiny of KYC documents.
• Activation: Activate your account with the first fund transfer from your own overseas account.

*Only available for customers in USA.

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You are eligible for the ICICI Bank NRI Premium Programme if you agree to Maintain any one of the below:

Maintain Deposits* + Account Balance of ₹25 Lac OR.

Deposits* + Account Balance + Mutual funds AUM^ + Demat holdings of ₹1Cr.

*Deposits include Fixed Deposits/Recurring Deposits.

^AUM - Assets under Management.

• A savings programme that gives you access to power-packed features, benefits on rates and charges.
• Dedicated Relationship Manager for your banking needs.
• Mastercard World Debit Card with airport lounge access.

Yes, you can upgrade your existing NRI account to NRI Premium by fulfilling the balance requirements.

Now wait in luxury before flying, with our complimentary international & domestic airport lounge access.

International airports: Get two complimentary lounge access in a calendar year. To know participating lounges refer *http://www.loungekey.com/icicibank.

Things to note when availing International lounge access by Premium Customers:

• Mention ‘Loungekey’ to the Airport lounge operator when availing the service, ensure that Loungekey terminal is being used by the lounge operator.
• International Ecom & POS flag is enabled prior via Internet Banking/Mobile app.
• A $35 pre-authorization amount is generally deducted by Service provider and refunded thereafter, hence maintain sufficient balance in card linked NRE account.
• Only the cardholder's visit is free. Any additional guests will be charged.
• Card type, utilization limits, lounge TnCs as applicable.
• Domestic airports: Get two complimentary lounge access per quarter at domestic airport/terminals in India. Click here to see the list of lounges.

To become a NRI Premium Programme customer,

-If you already hold the requisite balances in your account, you can upgrade your account by placing a request at your nearest ICICI Bank branch or calling our Customer Care.

-If you don’t hold the requisite balances in your account, fund your account to ensure the required balances and then place the request at your nearest ICICI Bank branch or call our Customer Care.

-You have an option to continue with the existing card or the new ICICI Bank World Debit Card will be sent to you on your specific request only. You can apply for the ICICI Bank World Debit Card through any of the following ways:

• Call our Customer Care
• Place a request through your Internet banking account.
• Walk into any ICICI Bank branch in India and submit your request.

Yes, to enroll in the NRI Premium Programme, you are required to complete and sign the necessary application forms, which may include declarations about your NRI status and agreement to the programme's terms and conditions. It's important to read and understand all declarations before signing.

ICICI Bank's NRI Family Banking allows NRI customers to group their family members' accounts under a single Family ID, enabling collective maintenance of balances and access to enhanced banking benefits. The primary member should be an NRI Select or Premium Account holder, and family members can include parents, spouses, children, grandparents, grandchildren, in-laws, and siblings.

 Yes, two Savings Account holders can form a Savings Account Family ID. However, the NRI Premium customer ID must be the primary customer ID in the NRI Premium Family ID.

Under NRI Premium programme you are eligible for

• Premium Mastercard World Debit Card.
• Exclusive rewards on international purchases.
• Higher transaction and withdrawal limits.
• International and Domestic lounge access.

Interest earned on NRE accounts is tax-free in India whereas Interest earned on NRO accounts is taxable in India.