It was very bad exp. with icici credit card, they have issue credit card but did not inform that its chargeable. when I asked to customer care for the same they said its chargeable, then I have denied and ask for close. then they have issued same card free.
So they have not any strong policy, they do as depends on customer, if you not accepting to pay for credit card they will issue free
Same as for saving account debit card. if your card is not reading by any atm machine ask for new card then ask him to issue new card they will inform for charges. But when you dont accept to pay they will issue free, without cost.