0 AMB ICICI Account (Privilege Banking program)

[shashank08]

Correct so now the having CC no longer gives the 0 MAB account I believe

For the new accounts but T&C remains earlier for old accounts .

 

[devsfinance]

For the new accounts but T&C remains earlier for old accounts .

I believe even for older accounts the variant change to family 360 is no longer available.

 

[shashank08]

I believe even for older accounts the variant change to family 360 is no longer available.

Yes variant change is not available..
I had privilege zero balance due to cc.
Opened wife's privilege account but she doesn't have icici cc so completed family 360 degree grouping towards end of july..

If I would have waited then problem would have happened. 😂😂

 

[card-shard]

Earlier there was a specific offering called family 360 degree which is now missing.

Please go through this post for more information

P

Thread 'ICICI New Savings Account Users MAB Updated - August 1st 2025'

Aug 8, 2025

ICICI savings account (From August 2025 onwards)

Minimum monthly average balance (MAB):

• Metro and Urban locations - ₹ 50,000
• Semi-urban locations - ₹ 25,000
• Rural locations- ₹ 10,000

Program Eligibility & Criteria

Customer enrolling into the program needs to maintain the following criteria:

Program Variants	Select Banking	Wealth Management	Private Banking

...

• Pandu
• account icici icici bank icici mab 50000 25000 10000 withdrawn icici mab 50000 withdrawn icici mab revised from 01aug25 icici new mab after public backlash icici revised mab dec to 15000 7500 2500 mab metro minimum balance new savings savings account
• Replies: 189
• Forum: Bank Account

• 
• 

Dude, I shared links already of Family banking.
Did you even bother to check the 3rd link I shared?

 

[shashank08]

Dude, I shared links already of Family banking.
Did you even bother to check the 3rd link I shared?

There is difference between family banking and family 360 degree...

Family 360 degree have CC with limit more than 4L as a criteria so that one doesn't need to maintain any AMB.

Do you see any such criteria on the portal now?
I can see following criteria for select family banking which is the lowest variant.

I hope this clarifies what I was talking about.

 

[card-shard]

There is difference between family banking and family 360 degree...

Family 360 degree have CC with limit more than 4L as a criteria so that one doesn't need to maintain any AMB.

Do you see any such criteria on the portal now?
I can see following criteria for select family banking which is the lowest variant.

I hope this clarifies what I was talking about.

I don't know about CC based family banking, but Family banking feature is still there.

 

[shashank08]

I don't know about CC based family banking, but Family banking feature is still there.

I request you to go to post #636 and read our conversation after that starting from there.

I never said family banking is discontinued.
I said privilege account and family 360 degree banking has been discontinued.

If you dont know CC based family banking then let me give pointers about the same:

Go to this link

Interest Rates & Service Charges - ICICI Bank

Discover ICICI Bank's latest interest rates and service charges. Stay updated on competitive rates.

www.icicibank.com

You will find section "

Savings Account- Schedule of charges (Accounts opened till July 31, 2025) - (Discontinued from new sourcing)"​

Check the family 360 degree banking T&C. This is the first one in this section.

Giving you direct link as well here:

https://www.icicibank.com/content/dam/icicibank/india/managed-assets/docs/pdf/family-360-banking-socs-01.pdf

You will find following criteria. Look at second row last column.

Similar way you can find for privilege account as well.

I hope that clarifies what I am saying and what you are understanding.

 

[SMN49]

Hello guys I noticed after new app update or past may be my regular savings account upgraded to privellage banking they assigned RM to me also, but in MAB they show like previous one 5000 for semi urban. So they actually upgraded or bug of my MB, and in IB also add tag of privellage banking?

as per my guessing they discontinued old accounts that's why they convert my old regular savings account into privellage banking,
also one question like they charged in future for debit card because I saw SOC of account in that for privellage banking shows annual fees for debit card but many days in forum no charges for debit card but my account upgraded to privellage banking also shows MAB of regular account?

 

[Tejo]

Hello guys I noticed after new app update or past may be my regular savings account upgraded to privellage banking they assigned RM to me also, but in MAB they show like previous one 5000 for semi urban. So they actually upgraded or bug of my MB, and in IB also add tag of privellage banking?

as per my guessing they discontinued old accounts that's why they convert my old regular savings account into privellage banking,
also one question like they charged in future for debit card because I saw SOC of account in that for privellage banking shows annual fees for debit card but many days in forum no charges for debit card but my account upgraded to privellage banking also shows MAB of regular account?

I think you got p.... B... and rm .... Due to high credit limit or networth with the bank

They are not converting any ac automatically ...

 

[sujal]

I got 3.5 lakh limit in my apay card and i got upgraded to privelege banking is there any benefits for me?

I think you got p.... B... and rm .... Due to high credit limit or networth with the bank

They are not converting any ac automatically ...

 

[aayusharyan]

For me it is zero.

 

[sujal]

For me it is zero.
View attachment 109360

Cc limit ?

 

[aayusharyan]

Cc limit ?

10L , lol. My bad.

 

[Tejo]

I got 3.5 lakh limit in my apay card and i got upgraded to privelege banking is there any benefits for me?

Nope just a rm who is there sell bank products.

Previously if you have x limit, you can open o mab previlege ac ... Dont know still exist or not.

 

[SMN49]

I

I think you got p.... B... and rm .... Due to high credit limit or networth with the bank

They are not converting any ac automatically ...

maintain 5k in my ICICI account only not at all good spends sometimes spend between 2k to 5k for credit card repayment but I hold icici sapphiro so because of sapphiro I get account upgrade but my limit is only 50k, also for account upgrade no email recieved regarding upgrade I saw in my MB and IB so that's why I asking

 

[SMN49]

Nope just a rm who is there sell bank products.

Previously if you have x limit, you can open o mab previlege ac ... Dont know still exist or not.

Yes ICICI family 360 banking if you have >4 lakhs limit you will get their account zero balance like this is criteria to maintain that account