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Defence Salary Accounts Fees & Charges

Facility Other Ranks below JCO/ Equivalent Ranks Junior Commissioned Officers & Equivalent Ranks Commissioned Officers - Lieutenant & above Ranks
Debit Card Variant Gold Titanium World
Point of Sale/Merchant Establishment daily Limit on Debit Card 1.25 Lac 1.5 Lac 2 Lac
Purchase Protection on Debit Card NA NA NA
Daily ATM Cash withdrawal limit 75,000 1 Lac 1 Lac
Flexibility to further enhance the daily limit on ATM Yes Yes Yes
Free DD/Bankers Cheque (Daily limit) 1 Lac 1 Lac Unlimited
Concession in locker charges 30% 40% 50%
Priority Processing for Phone Banking Yes Yes Yes
Wealth Management Programme No No Yes, World Masterchip Debit Card is additionally provided to Defence Wealth customers
Access to Wealth Lounges at branches No No Yes
Other features in ICICI Bank Defence Salary Account across all Ranks
Zero Balance Salary Account No Minimum Balance Requirement
Zero Balance Account for family Available, for upto 4 members in the family
ATM cum Debit Card Free International ATM cum Debit Card
Unlimited free transactions at ICICI Bank ATMs as well as other bank ATMs in India
No annual maintenance charges
Free Add-on card for family member
Other features Government Schemes like PPF/NPS facility available.
E KYC device account opening / Express Tab account opening
Tax assist
Dedicated Relationship Manager
Microsite Exclusive microsite will be created wherein employees will be able to see information regarding latest ICICI Bank offers and solutions on Salary Account, Loans, Investments, Payments, Cards, etc.
Employees will be able to apply and avail ICICI Bank services digitally through the link mentioned in the microsite.
List of Location specific ICICI Bank FPR will also be mentioned for any support required by Personnel.
Saving Account Portability facility Yes, Retain the same account number and debit card/cheque book upon transfer of account to any other branch in India
Internet Banking Internet Banking can be availed for banking services at no additional cost.
Transactions at Non-base branches Available, Free
Cheque Book Unlimited Free Multi-city cheque book
RTGS (Online) Free
NEFT (Online) Free
Preferential allotment of Lockers Yes, subject to availability
Utility Bill Payments through Internet/ Mobile banking Free
Money Multiplier Scheme (Manual sweep-in & Auto Sweep-out Facility) Earn higher interest with Money Multiplier feature in ICICI Bank Salary Account with Auto reverse sweep out facility in case balance in your Salary Account falls below INR 10,000 . It can be activated digitally using ICICI iMobile Pay App or Internet Banking.
Passbook Free - Available on request
Credit Cards Life time free credit card variants for personnel basis ranks
Preferential rates on Loans Yes
Processing Fee on Personal Loans Defence customers are offered NIL Processing Fee for Personal Loan when availed through our Bank Branch.
Salary Overdraft Account Pre-approved Overdraft limit up to 4 times your net monthly income. Offer amount between 30k to 20L
Monthly interest payable only on the limit utilized for the no. of days limit utilized for.
Auto sweep and rev sweep, as per availability of funds for reduced monthly interest.
Zero foreclosure charges.
Pension Account Available
New Pension System(NPS) Available
Sukanya Samriddhi Yojana (SSY) Account Available. For more details on SSY Account refer below link
Net Banking Facility Free
Mobile Banking Facility Award winning iMobile Pay App with 350+ services.
Standing Instructions Facility Free
Traveler’s Cheque Facility Available
Travel Card Free
Reward Program on Debit and Credit Cards Available
Offers on Debit Cards Exciting offers on favourite brands -
I-Direct (3-in-one account: Demat, share trading and Savings account) ICICI Direct Prime 299D Ø Special M52 Prime brokerage offer for Defence Personnel; Ø Defence personnel can now access ICICI direct Prime 2999 plan for just INR 299;
Ø eATM facility - Instant payout to the account within 5 minutes of selling shares;
Ø Special reduced 'interest rates' on Buy Now Pay Later / Margin Trading Funding (MTF).
SMS Alert Facility Free
Dedicated Helpline Number Yes, Toll Free Number 180010 80 is available to resolve all queries. Dedicated Helpline for Defence / CAPF personnel.


  • Common service charges applicable to all Savings Account variants except for Wealth Management / ICICI Bank Private Banking and the ones mentioned above. Click here.
  • Taxes at prevailing rates as per Govt rules shall be applicable over and above the mentioned charges.The charges indicated above are subject to periodic revision.
  • *With effect from April 1, 2015: In the event of non-maintenance of minimum MAB, the bank will notify the customer by SMS/e-mail/ letter etc. that in the event of the minimum balance not being restored in the account in the subsequent month, non-maintenance of MAB charges will be applicable.
    In case the customer has not maintained MAB for any consecutive month, non-maintenance of MAB charges shall be applicable for all consecutive months. The Bank will notify the customer in the initial month only in case of non-maintenance of MAB in consecutive months.It will be the responsibility of the customer to have a valid e-mail ID, mobile number and address updated with the Bank at all times,failing which,customer may not receive the notifications.