Bank rules:The month of July 2025 is bringing many major changes in the banking sector. The country’s two major banks, HDFC Bank and ICICI Bank, are going to amend their rules, which can directly affect your wallet. Whether you use credit cards, pay online wallets, or regular ATMs and IMPS transactions, it is very important for you to understand these new rules.

Let us understand these changes in easy and clear language so that you can make your financial plans better.

New rules of HDFC Bank: Increased fee on credit card and wallet

HDFC Bank has made several changes in the rules to its credit card and third-party wallet. If you spend on gaming apps such as MPL or Dream11, now you will now have to pay 1% additional fee at a monthly expense of more than Rs 10,000. For example, if you spend Rs 15,000 on these apps, an additional fee of Rs 50 may have to be paid.

Similarly, if you load more than Rs 10,000 in third-party wallets like Paytm, Mobikwik, Freecharge or Ola Money, then 1% fee will be applicable. This rule is very important for those who depend on digital payments.

Increased burden on fuel and utility bill

HDFC Bank has also implemented new fees on fuel transactions and utility bill payments. If you buy more than Rs 15,000 fuel in a month, you will have to pay an additional fee of 1%. For example, fuel expenses of Rs 20,000 may be charged a fee of Rs 50.

At the same time, if the payment of utility bills like electricity, water, or gas is more than Rs 50,000, then 1% fee will be applicable. These small fees can affect your monthly budget, so it is necessary to keep an eye on your expenses.

Changes in ICICI Bank rules: New update on IMPS and ATM fees

ICICI Bank has also amended its rules, especially on IMPS transactions and ATM fees. If you live in metro cities, you will get three free ATM transactions every month, while five free transactions will be given in small towns. After this, for every additional transaction, where there was a fee of Rs 21, now Rs 23 will have to be paid.

Apart from this, if you check the balance from ATM or do non-financial work, then every time a fee of Rs 8.5 will have to be paid. This is a special attention to those who use ATMs repeatedly.

New fee structure on IMPS transactions

ICICI Bank has also revised the fee for IMPS transactions. Now a fee of Rs 2.5 will have to be paid on transactions up to Rs 1,000. At the same time, Rs 5 per transaction fee will be applicable on transactions ranging from Rs 1,000 to Rs 1 lakh and Rs 15 per transaction on transactions ranging from Rs 1 lakh to 5 lakh. These changes will affect those who transfer money immediately during the Emergency.