In 1998, the ICICI Bank for the first time proposed to bring credit cards to the large, underserved population in both semi-urban and rural areas of India. In 2001, the ICICI Bank along with BPL Mobile entered into a tie-up to launch a co-branded credit card and thus the ICICI Bank-BPL Mobile Credit Card was launched. ICICI Bank launched Drivesmart Credit Card for transporters in 2002. In 2003, the ICICI Bank acquired the credit card division of Tata Finance. During 2004, the ICICI Bank’s credit cards cross two million mark. During the same year, the bank along with Mohun Bagan launch co-branded credit card. In 2005, the bank overtakes Citibank in terms of credit card business with the sale of 3 million credit cards over Citibank’s 2.5 million credit card sales.
The ICICI Bank stands for Industrial Credit and Investment Corporation of India Bank, is India’s biggest private sector bank.
It is a multinational banking and financial services company. It is headquartered in Mumbai, Maharashtra State. Its registered office is located in Vadodara.
ICICI was constituted during the year 1955 at the initiation of the World Bank, the Government of India and representatives of the Indian industry with a principle objective to create a development of a financial institution for providing medium and long-term project funding to Indian business.
The ICICI Bank was initially promoted in the year 1994 by ICICI Limited. The ICICI Bank was the wholly-owned subsidiary of ICICI Limited, an Indian financial institution.
ICICI Bank has total consolidated assets of Rs 9,860.43 billion as of March 31, 2017. It has a network of 4,850 branches and 14,164 ATM’s in India. It has its presence in 18 countries other than India.
ICICI Limited’s shareholding in ICICI Bank was brought down to 46% through a public offering of shares in India during 1998 and an equity offering in the form of American Depositary Receipts (ADRs) listed on the New York Stock Exchange (NYSE) during 2000.
During 1999, ICICI Bank became the initial Indian Company and the first bank from a non-Japan Asia to be listed on the New York Stock Exchange (NYSE). In the same year, it changed its name from ICICI Banking Corporation Limited to ICICI Bank Limited on September 10, 1999.
In 2001, ICICI Bank acquired Bank of Madura Limited in an all-stock amalgamation deal. It sold an additional stake to institutional investors through secondary market sales in 2001-2002.
The following are the features of ICICI Credit Card
• Auto Debit Facility – ICICI Credit card provides Auto Debit Facility for credit cardholders who have an account with ICICI Bank. You will have an added convenience of paying bills either the minimum amount due or the total amount due directly to credit card account through your bank account.
• Cash Advance – ICICI Credit Card provides cash withdrawal facility 24 hours a day from any VISA or MasterCard participating member bank ATM using card holder's APIN, with this facility one will never be broke. A fee of 2.5% will be levied for every transaction up to a minimum of Rs 300. In addition to the transaction fee, an interest will also be charged from the date of transaction till the date of repayment.
• Self-Set Limit – ICICI Credit card provides you to pre-define your own credit limit. You can request a lower limit than what you are actually eligible for. The user can preset the monthly spending limits regularly.
Any kind of transaction over the set spend limit will be declined. The monthly spending limit can be reset during every billing cycle by calling the customer care and placing the request with the customer care executive. The spending limit will be changed online and the same will come into effect from the next billing cycle.
• Click to Pay – ICICI Credit card provides click to pay opportunity, the user can now use the available Net Banking or Debit Card to make ICICI Bank loan outstanding payments or pay ICICI Bank’s Credit Card bills.
• Mobile Alerts / E-mail Statement – The Statement Online facility provided by ICICI Bank for credit card holders is a very simple, yet powerful and convenient way to view the credit card statement details online without any postal delays. The mobile alerts from ICICI Bank will provide the information about the credit card even when you are on the move. If the cardholder has any payments due against the credit card account, then you will receive an alert five days before the due date relating to the total due amount, minimum due amount and payment due date for the respective credit card account.
The following are the benefits of using an ICICI Credit Card:
• Easy Access to Money – With the advent of Credit Card, the cardholder can have easy access to money without facing any hassles. One need to carry the card with them all the time instead of cash. This will eventually reduce the qualms of withdrawing the money every time either from bank’s branch account or through ATM’s.
• Rewards – The credit card provides reward points for the cardholder. The bank will have tie-ups with the leading brands ranging from dining to shopping. The user of the card can buy products or render the services and make payment using a credit card to avail the cashback benefits apart from the redemption of points during every purchase.
• Internet Banking – The ICICI Credit card related information can be obtained via internet banking facility. The user can make transactions like accessing the account information both for the current and last month’s statement, can view the payment status, check the monthly statement. It also enables the user to request for a duplicate PIN, can change the address of communication, can order for the draft facility, give auto debit instructions, can request for an add-on card facility as well.
• Payments Option – The ICICI Credit cardholder can pay the credit bill either through cash or using cheque or internet facilities or through the phone. This saves the time of the credit cardholder. It also encourages the user of the credit card to increase the total number of transactions.
The credit card issuer will charge interest on the cardholder when an individual will carry a balance beyond the grace period. The credit card interest is not a one – time thing as the cardholder will have to bear the interest charges levied on the card monthly on non-payment of balance in full. The cardholder can take advantage of a 0% interest rate promotion by paying his or her due bills on time.
When a cardholder does not pay the full balance from the previous billing cycle, then at that time, they will be charged interest.
For Example: If the credit card statement balance of Mr Dinesh shows Rs 1,800, then he has to pay the full amount of Rs 1,800 to avoid being levied interest. Otherwise, in his next month’s credit card statement will include an interest charge for the unpaid credit card bill.
Grace Period is not available for all the transactions and hence to avoid interest charges one has to pay in full. A credit cardholder will be charged interest on any month during which you make a cash advance or any kind of transaction which will not have a grace period.
With ICICI Bank Supplementary Credit Cards facility you can allocate many of the advantages of your Primary Card with your friends and family without paying joining or annual fees. Your family members can experience their lifestyle in a more convenient way or else you can also allow your children’s to take part in this feature. Supplementary Cards are particularly useful for home and shopping spends.
Who are eligible for supplementary credit cards?
Key benefits of ICICI Bank Supplementary Credit Cards
Points to keep in mind:
Documents required for ICICI Supplementary Credit Cards
Whenever an individual is entitled to use an ICICI Bank add-on credit card, the following documentation must be given to complete the approval process.
One can apply for ICICI Bank Add-on Credit Cards through the below-listed ways:
Via customer care: Applicants need to dial 1800 200 3344 to get in touch with the customer care service.
Customer care number for different type of applicants:
Or else the applicant can also write to ICICI Bank customer care email id at firstname.lastname@example.org
Via bank branch: One can also visit your nearest ICICI branch in order to avail add-on credit card.
Below-listed are the list of ICICI Credit Cards with add-on options:
ICICI Bank British Airways Premium Credit Card
ICICI Bank British Airways Classic Credit Card
ICICI Bank Rubyx Visa Credit Card
ICICI Bank HPCL Platinum Credit Card
ICICI Bank Unifare Credit Card
No additional fees are required for ICICI supplementary credit cards except the below listed:
Nearly all the advantages of the Main Credit Cards are applicable on the Supplementary Credit Cards, according to the following terms and conditions:
Save at least 15 per cent on your dining expense at affiliated restaurants with the ICICI Bank Culinary Treats Programme. Applied terms and conditions are equivalent to primary card.
Offers on booking movie tickets
Book your favourite movie and activities at BookMyShow and experience amazing discounts. Supplementary Cardholder can make use of the book my show deal available on the Primary Card. Applied terms and conditions are similar to the Primary Card, too.
Fuel surcharge waiver
Get 1% fuel surcharge waiver on fuel transactions across all the fuel stations in the country. Applied terms and conditions are similar to the Primary Card, too.
Lounge access benefits
The ICICI Bank Credit Cards helps you to indulge and relax at airports with privileges on lounge access. Not available on:(Coral, Jet Coral, Ferrari, Coral Credit Card against Fixed Deposit)
Exciting reward benefits
Your ICICI Bank Credit Card gives you the right to earn PAYBACK Points against your transactions. As per a primary cardholder, all the supplementary cardholders are eligible to earn PAYBACK Points/ JP Miles. The points / miles earned shall be credited to the PAYBACK Points / JP Miles account of the Primary Cardholders.
In order to make satisfactory decisions for making restaurant reservations for travel and hotel bookings and even delivering movie tickets at your doorstep 24x7 concierge service takes care of your every request. Enjoy these complimentary benefits even on your Supplementary Credit Card.
ICICI Rewards Programme, get more out of your money every time you shop. With ICICI Rewards Programme shop more and earn more which gives you a wide range of redemption options including jewellery, fashion accessories, garments, home appliances, electronic equipment, cosmetics, gift vouchers, airline miles and donation to charities. Scroll down and get to know about ICICI Rewards Programme.
Below listed are ICICI Credit Cards that are eligible for earning reward points.
ICICI Corporate Credit Cards
Other ICICI Credit Cards
By spending from your ICICI Credit Card you can earn reward points for all your spending categories. Below are the spending categories on which you can earn exciting loyalty points:
Redeem your ICICI Bank reward points in a simple and quick process. You don't need to have minimum accumulated points to be eligible. To redeem reward points please follow the steps listed below:
Via Net Banking
Via Customer Care
All you do now offer you PAYBACK points with your ICICI Bank Credit Card – from in-store shopping to online orders, dining, movies and weekends.
Eligible Credit Cards to earn PAYBACK points
To earn PAYBACK points shop for anything you want from ICICI Credit Card. You can spend in a variety of categories such as online shopping, dining, movies and holidays and more.
Single membership, with unparalleled perks: Use ICICI Credit Card for shopping and earn points at more than 100 PAYBACK partners and redeem the accumulated reward point for amazing reward categories.
No limits for earning points: Use your ICICI Bank Credit Card and earn PAYBACK points for each and every purchase.
Accelerate reward benefits: Use your ICICI Credit Card at the time of checkout and mention your PAYBACK Card number / registered mobile number to a PAYBACK member to earn points on the same transaction from both ICICI Bank Rewards and the PAYBACK partner.
Lifestyle Benefits: Get amazing offers and reward points from exclusive partners across categories such as travel, entertainment, dining, fashion accessories and more.
Redeem for exciting rewards: Get seamless benefits for redeeming points against amazing rewards. Get vouchers from across more than 100 brands from PAYBACK Voucher World, redeem the accumulated reward points across more than 1000 products from the Rewards Catalogue or else redeem the points at online partners or stores.
To easily earn PAYBACK Points from ICICI Bank Rewards directly follow these five simple steps:
Day to Day shopping:
Using your ICICI Credit Card everyday for spending on grocery, online stores, dining and much more enables you to earn PAYBACK points.
Purchase high-value products
Using your ICICI Credit Card to purchase gold, jewellery, booking travel, enables you to earn PAYBACK points much faster.
To earn PAYBACK points, remember to keep your ICICI Credit Card while travelling overseas.
Automatic Bill Pay
To earn more points, reimburse your regular bills such as utility payments through your ICICI Bank Credit Card.
Earn the rewards points faster by accessing your account's privileges and benefits with your loved ones. You can grant up to 2 supplementary cards to family and friends above the age of 18. For more details or to request a Supplementary Card, please contact the 24-hour ICICI customer care service.
Getting a good credit score is only possible if you follow responsible credit behaviour. Here are some of the important factors in maintaining a good credit rating.
Low Credit Card Usage:
Avoid Multiple Credit Applications:
Length of your credit history:
ICICI Bank Hand-picked rewards is a program designed to add enrichment to your card experience. You may use your ICICI Credit Card for regular travels, taking experience at fine dining or movies, online shopping and more to earn exciting reward points. Therefore when it comes to redeeming accumulated reward points ICICI bank offers you a unique option based on your elegant lifestyle. Redeem your Hand-picked Rewards from a selection of excellent brands, each product is specifically hand-picked for you to make your rewarding experience the finest.
Below listed are the ICICI Bank Credit Cards that are eligible for Hand-picked Rewards.
Other ICICI Credit Cards
You can redeem the accumulated Hand-picked reward points through two simple ways.
Process to redeem Hand-picked Rewards via Phone Call
Get in touch with the 24x7 customer care service and confirm the item code of the reward you want to redeem to the customer care executive. You will be provided a unique order number by the representative which you have to keep safe for future use. Your reward will be delivered within 10 working days to your mailing address.
Process to redeem Hand-picked Rewards via Online
Reward points are earned on almost all ICICI credit card transactions on every purchase, high-value purchases, international travel, bill payments. The reward points earned are doubled when the card is used to pay at one of the 100+ PAYBACK partners. PAYBACK points are valid for 3 years from the date of gain. ICICI bank rewards are valid as long as the account is active and not late.
To check the PAYBACK points, you can follow one of the options below:
To check the ICICI bank rewards, follow one of the methods below:
Log in to your Internet bank account on the ICICI Bank website with your login credentials. You can then access the credit cards page and click on "Reward Points".To redeem your points, click on Redeem online option. You will receive a list of items from which to choose. Select your item and use it. A unique reference ID will be generated, please note it for future reference. With the online option, you can check your points balance, browse rewards and redeem your points immediately. The order will take Maximum 10 working days to deliver your address. For the conversion of airline miles, this can take approximately 15 working days. You can check the status of your gifts by calling or sending an email to customer service. Once the award has been issued, it will not be refundable, replaceable, or exchangeable for cash or any other product.
Call the 24-hour customer support line provided by ICICI Bank. A representative will assist you to claim the reward points of your ICICI bank credit card. You must provide the item code for your selected reward. The representative will place your order and give you a unique transaction identifier for future reference. The order will take Maximum 10 working days to deliver your address. For the conversion of airline miles, this can take approximately 15 working days. You can check the status of your gifts by calling or sending an email to customer service. Once the award is issued, it will not be refundable, replaceable, or redeemable for cash or other product.
An individual can apply for ICICI Credit card either through online or by visiting the nearby bank branch.
• The customer can visit the official website of ICICI Bank and click on ‘Product Option’ on the homepage.
• Select the ‘Credit Card’ option post which the prospective customer can go through the various credit card options based on the minimum annual income of the individual that is the required aspect to possess a credit card and check other features such as travel, lifestyle and so on.
• Once the desired card is chosen, now the applicants can move on to the next step by selecting the ‘Apply Now’ option after which they will be directed to a new page.
• Based on if the individual is an existing or a new customer, the application form will be presented which has to be filled by providing the required details.
• Finally, based on the eligibility criteria of the customer, the bank may or may not grant the credit card to the customer.
The customers can also apply for a credit card by sending an e-mail directly to the ICICI Bank.
The individuals can apply for credit card with ICICI Bank via offline by visiting the nearest branch of ICICI Bank. The applicants have to fill in the application form provided by the bank executives to secure a credit card and have to submit the required documents as mentioned in the application. If they meet the eligibility criteria, then the bank will provide the credit card to the customer. The decision to provide the credit card to a customer is solely based on the bank's discretion.
Customers can also procure credit card by placing a call to the customer care of ICICI Bank which is operational 24X7.
An individual should satisfy the below-mentioned criteria to secure a Credit Card with ICICI Bank
1. Should not be younger than 23 years at the time of submitting the application.
2. Minimum age of the add-on cardholder is 18 years.
3. Should have a monthly salary of Rs 20,000
4. If the individual is self-employed, then the minimum annual income must not be less than Rs 3 lakhs.
5. Should have good CIBIL Score.
• PAN Card
• Passport size latest photograph
• Address Proof – Passport, Driving License, Rental agreement, Flat maintenance bill (two months – latest and previous month), Phone Bill (two months – latest and previous months), Electricity Bill (two months – latest and previous month).
• One Identity Proof issued by the government of India – Election Voters ID, Driving License, Aadhaar Card, Passport, Ration Card.
• Proof of Income – Last 3 months salary slip or last 3 months bank statement, Form 16, Audited financials for at least last two years for self-employed individuals.
ICICI Bank provides a wide variety of credit cards and selecting one can be challenging. To make you easy to opt for the best one according to your need we separated ICICI Credit Cards into 6 groups based on the features and benefits.
Categories of ICICI Bank Credit Cards
ICICI bank provides certain credit cards which comes with significant benefits for frequent travellers such as reward points/air miles, complimentary lounge access, and more. Key benefits of ICICI Bank Travel Credit Cards are listed below.
The ICICI Mobile Banking App known as iMobile app is the most convenient, comprehensive and secure for mobile banking application which offers various banking and information services on the day to day basis handily from your smartphone. The ICICI Credit Card app is available for iOS and Android users.
One can download the app and enjoy the experience of banking on the go. Download or SMS iMobile to 5676766 to get the download link.
Features of iMobile includes
Manage your bank account by your mobile with an easy and secure way. It is suitable for all types of mobile phones. With ICICI Mobile Banking you can get the below-listed benefits.
By following the below-given steps you can register for ICICI Bank’s mobile banking services.
Via ICICI ATM
Via ICICI Branch
Visit the nearest branch of ICICI Bank and fill out the registration application form. For the method, you will need to provide any of the following identity proofs:
Via Get in Touch service: By visiting the ICICI Mobile Banking page you can submit your number. The customer support team of the bank will get in contact with you after submitting your registered phone number and will help you to enable the mobile banking services. But, please make sure that you provide your registered mobile number to the customer care executive.
• Exceptional Features – ICICI Bank provides its customers a wide array of credit cards, tailored to meet the requirements of today’s digitized era.
• More Benefits – The Credit card offered by the ICICI Bank comes with a wide range of features and benefits ranging from holidays, hotel, airline, travel, fuel, movies, wellness, dining and so on.
• Special Cards for NRIs- ICICI Bank not only provides credit card facilities to the Resident Indians, the credit card facility is extended even for the Non-Resident Indians (NRI).
• Easily Accessible – It is very easy to secure an ICICI Bank’s Credit Card, the prospective customers have to walk into the nearest bank branch, submit all the required details and get the card delivered to your doorsteps within a short period of time.
• Valuable Customer Support – The ICICI Bank’s credit card division provides good customer support to the cardholders. The strong customer care support will help you to clarify any query or concern- just by dialing the number or sending an email.
ICICI Bank Business Credit Card offers a convenient option for the management of all business expenses for members, associates, directors and staff in the SMEs and Self-Employed group. It provides a variety of benefits tailored to save time and effort for you and your company. Experience all right from interest-free credit period, simple payment processing & maintaining records to make cashless transactions in a seamless way. It's a smart way to allow seamless transfers and to improve the cash flow. The Business Credit Card is provided on behalf of the entity, and is utilized for the following payment types:
Travel and Entertainment spending
Key benefits of ICICI Bank Business Credit Card
ICICI Bank Business Advantage Black Card which is an exclusive card built with the integration of contactless technology that improves your business savings, in an innovative way. You can also earn amazing cashback for your business expenses and credit card payments as well. You can earn cashback up to 1% on domestic and international spends. ICICI Bank Business Advantage Black Card is enabled by contactless Visa Paywave technology , which helps you to make quick, seamless and safe payments at retail stores. Just tap your card where the contactless payment is accepted and you are done. You can also use the card globally as the contactless payment is accepted over 48 countries globally. The card provides cashback on any regular business expenditures – from airline tickets to car rentals to payments for business services (accounting, advertisement, publicity, etc.) and much more. This card comes with enhanced security and features, by availing this card you not only earn cashback but also save more on your business expenses.
By using your Business Advantage Black Card you can earn cashback on every credit card statement payment. A cashback of 0.20% on your total amount due by making payment through ICICI Bank Internet Banking is waiting for you. The Business Advantage Black Card is crafted with EMV Chip and PIN technology which provides you enhanced security on your credit card. The card comes with an embedded microchip which offers you higher security against all types of card fraudulent activities such as counterfeiting / duplication of the card and more. With an extra layer of security in the form of a Personal Identification Number (PIN) you need to enter this PIN on the terminal to initiate a transaction at the merchant sites. You need to enroll your new Chip and PIN card for 3D Secure (Verified by VISA SecureCode) at www.icicibank.com in order to secure your online transactions. It is the most appreciated authentication for online payments or transactions to secure your card against frauds or scammers. VISA SecureCode helps you to enter your unique VISA SecureCode PIN in addition to your CVV/Expiry date while transacting online. As a ICICI Bank Business Credit Card holder, this registration is mandatory in order to transact at the online platforms.
With ICICI Bank Business Advantage Black Card, you can make bill payments through a range of options which are listed below.
Online payment: With your Business Advantage Black Card you can make payment for your bills online through the options like: Bill Pay (for ICICI Bank Savings Account) or Click to Pay (non ICICI Bank Savings Account holders). In case you are ICICI Bank Savings Account holder, you can make your credit card payments calling to the customer care service.
Auto-debit: With the convenience of an auto-debit facility, ICICI Bank Savings Account holders can render their Business Advantage Black Card payment directly.
Cheque/ Demand Draft: You can also make payments for your bills through cheque or demand draft. Just deposit your cheque or bank draft favouring your ICICI Bank Business Advantage Black Card number at drop boxes available at your nearest ICICI Bank branches. Please be aware that an ICICI bank cheque takes 3 days to complete the payment and non-ICICI Bank cheque takes 5 days for the same.
ICICI Bank ATM: Using your ICICI Bank Debit Card on any ICICI Bank ATM you can render bill payment for your Business Advantage Black Card. The payment will be credited to your Business Card instantly. Use your Debit Card on the ICICI Bank ATM to access this alternative under 'others’ section.
Cash Payment: You can even make payment for your Business Advantage Black Card bill by cash by visiting your nearest ICICI Bank branch. It takes 24 hours to reflect the payment in your Business Advantage Black Card.
ICICI Bank Travel Cards are your ideal partner to make your international travel more peaceful. Select any travel credit card of your choice and make a secure alternative way to carry foreign currency for all your international trips. Now stop currency variability and save cross-currency charges by filling your card with 15 international currencies ZAR, SAR, THB, NZD, HKD, USD, GBP, EUR, CAD, AUD, SGD, AED, CHF, JPY, SEK. Load and quickly trigger your Travel Card and start using it instantly while booking your international flight and lodging. You can make purchases only on international platforms and overseas merchants.
1. Easy to use: Load and use your Travel Card to enable purchases at different retail stores and enable payments for making online transactions.
2. 3D Secure and CHIP & PIN technology: 3D Secure authentication enabled on ICICI Bank Travel Card secure your card while making online transactions. 3D Secure provides you card with enhanced security to make convenient checkout that validates your identification when you make purchases.
3. Buy travel credit card through net banking or iMobile App: Through the net banking and iMobile App facility you can apply for travel credit cards from the comfort of your home or office. Reloading or refunding is always only one step ahead, no matter where you are.
4. 24x7 online service via ‘Self Care Portal’ login: Manage all your travel services from the comfort of your home through ‘Self Care Portal’. It enables you to track your spends, block/ unblock your card, reset ATM PIN, Wallet to Wallet transfer and more.
5. Amazing offers and privileges: Big savings while traveling overseas with your ICICI Bank Travel Card on dining, shopping, stay and much more.
6. Free card replacement: The ICICI Bank Multicurrency Travel Card kit comes with the Primary Card as well as a free Replacement Card. In case any lose / damage of your primary card, you can instantly activate the Replacement Card. To enable and transfer the balance on the Secondary Card, simply dial ICICI Bank Customer Service or the 24X7 International toll-free numbers. The Travel Kit already contains ATM/ POS PIN. You can generate a new PIN through Self-Care portal or by calling Customer Care in case the PIN is forgotten or misplaced by you.
Apply for ICICI Travel Credit Cards and get it delivered to your doorstep. Reloading or refunding is also just one click away, which can access from anywhere anytime. Buy ICICI Bank Travel Card online now with simple paperwork and get an enabled Travel Card delivered to your authorized delivery address within 4-5 business days. ICICI Bank Travel Card is also accessible through the ICICI Bank Forex branches.
How to buy ICICI Travel Credit Card?
You can apply for ICICI Travel Credit Card through internet banking, IMobile app, and Forex branches. Go through the below given steps to know the process.
ICICI Bank has introduced a facility known as Bill Payment to help the customers make online payment of bills including telephone, mobile, electricity, insurance and so on. The bank has a tie-up with more than 250 billers to help the customers to pay the bill online without facing any hassles.
One needs to have any of the following
- ICICI Bank Account
- ICICI Bank Credit Card (available only for select billers)
There are three categories of billers on the basis of how the cardholder pay their bills:
Presentment Type: For these billers, the bills are presented on the bank’s website and one can go and check them online. Once you register for a presentment type biller the details will be sent to the biller and whenever the bill is generated (which will be the next billing cycle from the registration date), it will be presented on the bank’s website and you can make the payment.
It takes a minimum of 30 days after the registration by the cardholder for the completion of the registration process and hence one cannot pay the bill immediately after registration.
The physical form of bills will also be delivered as per the norms.
Payment Type: For these billers, one can pay the bill immediately after registering for them. The bills for these will not be presented online and the cardholder has to enter the payment amount while making payment.
The cardholder will continue to receive bills in the physical form the biller as per the norms.
Shopping Mall Type: For this kind of billers, one has to go the shops (biller) website for paying the bills. They cannot be paid by first logging on to the bank’s website.
One of the options that can be achieved using both the online and offline platforms is to use a debit card to clear pending credit card due. ICICI Bank only accepts ICICI Debit Cards for bill payments. Only ICICI Credit Cardholders can pay through debit card, other applicants may have to choose a different paying form. The bank has launched an online service, titled ' Click to Pay, ' to allow credit card customers to clear their dues with their ICICI debit card. Cardholders can use the option to use their debit card or net bank account to make their credit card payments. The same facility may also be used to reimburse unpaid ICICI loans. In order to pay their card dues without authentication or net banking account, ICICI Credit Cardholders can use ' Click To Pay ' directly.
Steps for ICICI Credit Card Payment through Debit Card
Steps for ICICI Credit Card Payment with Debit Card at ATM
Track your ICICI Credit Card Status either using the application number or using the date of birth of the applicant.
ICICI Credit Card Application Status Using Application Number
Step 1: Visit the official web portal of ICICI bank
Step 2: Fill in the right side form on the page with your mobile number, date of birth, application number to proceed further.
Step 3: Now click on the ‘Continue’ button
Step 4: Your ICICI Credit Card Application status will be displayed as soon as you hit the continue button if you have provided accurate information at the time of filling the form.
ICICI Credit Card Application Status Using Date of Birth
If the applicant does not remember the application number, then he/she can opt for using their respective date of birth to check the ICICI credit card application status
Step 1: Visit the official web portal of ICICI Bank.
Step 2: Now choose the asset portal of ICICI Bank
Step 3: Select the option ‘Track my application’ which can be seen on the right side of the portal
Step 4: Proceeding further fill in the form by providing relevant details including Date of Birth, Mobile Number.
Step 5: Click on ‘Send OTP’ option
Step 6: You will receive an OTP on your registered mobile number
Step 7: Now enter the OTP which you received on your phone in the provided field and click on ‘Continue’
Step 8: Your application status will get displayed as soon as you hit the continue button, provided you have entered all the details accurately.
A cardholder can visit the nearest ICICI Bank and meet an executive and inform about the intention to close the existing credit card.
Fill in the details of Credit Card Closure Form and submit the same to the Branch Manager. Alternatively, download the form, fill it and send it to ICICI Bank Limited, Race Course Circle, Vadodara – 390007 or ICICI Bank Towers, Bandra-Kurla Complex, Mumbai – 400051. Once the process of cancellation is initiated, the cardholder should cut the respective credit card diagonally. The request will automatically lead to the termination of the add-on cards.
Termination of the credit card will be effective after payment of all amounts outstanding on the card account.
The cardholder has to mention the type of card – Primary/Add type of ICICI Bank’s Credit card which he/she wants to cancel. After submitting the request for cancellation the Phone Banking Officer will contact you within 3 working days on the registered phone number to confirm the cancellation. Your request will be processed within 7 working days after the officer contacts you.
Cardholders can also fill the Credit Card Cancellation Request Form which is available online and can submit the same to cancel the respective Credit Card of ICICI Bank. In case if you are re-trying the procedure, then you can check the status of the previous request as well.
The Cardholder can also call the Customer Care of the ICICI Bank and can cancel their credit cards at any point of time by calling the toll-free number 1800-200-8181, to initiate a request to cancel or close their respective credit card.
The advancement of technology has helped the customers as well as banks to make use of credit card and make payments easily, quickly and without facing any hassles, on a real time basis.
The user can scan the QR code using any of the UPI enabled banking apps/ BHIM app to pay the ICICI Credit Card Bill Payment for making the outstanding payment.
The following is the procedure used to pay the ICICI Bank Credit Card outstanding payment amount:
Step 1: Enter your respective credit card number twice and click on the verify button.
Step 2: Check thoroughly all the details populated on the screen for confirmation.
Step 3: Enter the amount which you intend to pay
Step 4: Click on Generate QR Code
Step 5: Login using any UPI enabled mobile banking app/ BHIM Application and scan the code
Step 6: Now proceed further to make payment in your UPI app.
Step 7: Now you will get a successful confirmation along with the transaction number on your mobile screen.
The ICICI Credit Card Statement can be viewed by the users and can be viewed in the logged-in section.
Visit the ICICI Bank’s official web portal with your User ID and password to view and download the credit card statement.
The users can also dial up the ICICI Credit Card Customer Care to authenticate yourself and choose the ‘Self Banking’ option to get your User ID.
Procedure to pay ICICI Bank Credit Card outstanding balance via online in 4 simple steps:
Step 1: Selection of Bank
Step 2: Provide Credit Card Details
Step 3: Confirm Payment
Step 4: Receive Online Confirmation
ICICI Credit Card Bill Desk is an online platform to make your payments from any other bank account. Bill desk is the most popular and widely known platform for the person who does not have a bank account with ICICI Bank. Below given benefits make Bill Desk the most convenient way to pay or transfer money.
Benefits of ICICI Credit Card Bill Desk
Who can pay through ICICI Credit Card Bill Desk
All the ICICI Credit Cards should have a valid 4 digit PIN to use the same at merchant terminals, for conducting online transactions, ATMs and so on.
After applying for a new ICICI Credit Card, the bank will dispatch the card and PIN separately to your registered mailing address. After you receive your ICICI credit card, the given PIN should be changed within 7 working days.
If the ICICI credit card customers have not received the PIN within a span of 7 – 10 working days, then one can use any of the below-mentioned methods to generate PIN yourself.
Ways to generate ICICI Credit Card PIN
ICICI Bank offers 4 different ways to generate PIN for credit card and they are:
Generate ICICI Credit Card PIN by visiting the ATM
Follow the below-mentioned steps to generate ICICI Credit Card PIN
Once the OTP is verified, the PIN will be changed successfully and you will get a message on the screen in the ATM stating the successful changing of PIN and the same message will also be sent to your registered mobile number.
Generate ICICI Credit Card PIN using ICICI Bank Internet Banking
If the cardholder is an existing ICICI’s customer with the internet banking access to your account, you can link your new credit card to the account and use the same account to generate a new PIN for your credit card.
If in case, you are a new customer, then you can create an internet banking account using the ICICI credit card details.
After you secure internet banking access for your credit card, follow the below-mentioned instructions to generate the PIN.
The ICICI Bank will send a notification stating the successful change of PIN for your respective credit card.
The ICICI Bank Credit Coral Card has unique qualities and is powered by most of the exclusive lifestyle privileges designed specifically after taking into consideration the latest trends of credit card users.
The ICICI Bank Credit Card Coral has Coral American Express, Coral Master/Visa Card and Coral Contactless Card.
Benefits of ICICI Bank Credit Card Coral
Eligibility Required for ICICI Bank Coral Credit Card
Go through the below-listed eligibility to apply for ICICI Bank Coral Credit Card
Process to apply for ICICI Bank Coral Credit Card
Follow the below-listed steps to apply for ICICI Bank Coral Credit Card
It is the platform where you can manage your credit card in easy and smart way. Make your day to day needs more convenient and secure. Get notified for your credit card dues and pay instantly. Get 24x7 customer support for your credit card issues or complaints. Manage your reward points and redeem them, no matter where you are.
So what are you waiting for?
Scroll down and know all the benefits of ICICI Credit Card Banking Services
Benefits of ICICI Credit Card Banking
Types of ICICI Credit Card Banking
How to Register for ICICI Credit Card Banking?
Online banking is an easy way to do banking in the privacy of your home or workplace. Avoid queue or pause, and use the quick and safe Internet banking service for unparalleled online banking functionality provided by ICICI Bank. Online Banking provides more than 300 tools and facilities that allow you real-time exposure to your account. You can send and receive payments to ICICI Bank Accounts and Non-ICICI Bank Accounts, open Fixed and Recurring Deposits, view account data, request a cheque book and many more when you're active in net banking services. Presenting different functionality on the dashboard allows the life smoother and more comfortable.
View your account, my shortcuts, assets, liabilities, loans, credit cards, calendar, partnership manager, savings, etc. on the ICICI Net Banking dashboard. Internet Banking provides you with the simplicity and flexibility of banking in an environment that you are most confident with. You can check balances and transactions, transfer money, pay expenses create fixed and recurring deposits, and more. With Online Banking, you can pay your bills without needing to stand in line for hours. Choose any payment method, manage your billers, and even choose quick pay. Now, schedule your bill pay reminders and never fail to pay on deadline.
As we all know ICICI Credit Card Net Banking comes with tons of online features let's know what are they:
If you're shopping online, making travel plans, renewing insurance policies, making an investment, or paying the bills online, use ICICI Bank Internet Banking through ICICI website or application to experience trouble-free, convenient payments. Below listed are the types of payments you can do through ICICI Net Banking
Below listed are the process to make payment using ICICI Net Banking.
ICICI Bank offers a range of credit cards that meet applicants requirements and eligibility. ICICI was the first to introduce contactless credit cards which are best suited for shopping, entertainment, travel, dining and much more. Applicants who want to pick best ICICI Credit Card from the best-listed cards that one of the best credit cards by ICICI.
In today’s busy world individuals must maintain and manage the credit card. The ICICI net banking facility makes it easy and convenient for users to get all the information at the go instantly. The list of the services includes cash limit on the credit card, information related to credit, the due date of payment, enhancement of credit limit, monthly statement, latest payment methods, EMI Facility, Manage your reward points, Manage your statement and bills, Get all updates and offers on your credit card which are specially designed for you. Access all the features and get minimum interest rates on your credit card with flexible repayment option. No matter where you are just with your ICICI NetBanking Id and Password you can explore the world of benefits and offers anytime anywhere. Scroll down and get to know the benefits of ICICI Credit Card Login and how to use it.
Login for your ICICI Credit Card and grab the benefits
How to Login
For existing user
For New User
Applicants who have applied for ICICI Credit Card can check the application status of their credit card through below given process
Details Required to Check ICICI Credit Card Status
The applicant can track the status of their credit card either via Application Number or Date of Birth
Track ICICI Credit Card Status via Application Number
Track ICICI Credit Card Status via Date of Birth
Apart from the online process applicants can also go through offline process to check their credit card status. Below given process is to track ICICI Credit Card status via offline
The users of ICICI Credit Card can apply for a personal loan on credit card and the same is available for selected ICICI Credit Card customers based on spending patterns, transactions and payment history.Features of ICICI Credit Card Loan
To apply for the same you can go through the below given online and offline process.
Apart from the online process, you can also go through the offline process to apply for "Personal Loan on Credit". Follow the below-given steps for the same.
SMS CASHIN WP to 5676766
Via Customer Care:
Kindly call on 1860 120 7777
Note: Transfer of funds to customer's accounts typically takes 3-4 working days. If the customer chooses for a demand draft, the same can take up to 11 working days to receive the application.
ICICI Credit Card IFSC Code is an alphanumeric 11-digit key used by NEFT to pay the pending credit card bills via online banking. Applicant can do this by adding the credit card as a beneficiary.
ICICI Credit Card IFSC Code is ICIC0000103
The first four characters ICIC reflects the bank's name and the fifth character zero is kept aside for potential use.
The last 6-digits usually signifies the division of the bank that supports the payment of credit card bills
Ideally this card is same for all credit cardholders.
Benefits of ICICI Credit Card IFSC Code
How to know ICICI Credit Card IFSC Code?
To know about ICICI Credit Card IFSC Code, an applicant have to go through easy and simple process. This code can be found online on various websites. An applicant can also directly contact to the bank for the same. Using correct IFSC Code is very essential in order to avoid any kind of troubles. The card will first have to be enrolled as a beneficiary to receive payment from any bank account, in order to allow ICICI Credit Card bill payment via NEFT. Apart from the account number, the 16-digit card number is used and the name as on the card is used as the name of the account holder.
Process to pay credit card bill using IFSC Code
Credit cardholders who do not have ICICI Bank saving account can pay their credit card bills through NEFT using IFSC Code. Go through the below process to make the payment complete
Log in to the ICICI Bank Netbanking with your Username and Password
Register your credit card as a beneficiary
Make the payment using NEFT to the credit card
Enter the branch details that are listed below to make your payment complete
Bank: ICICI Bank
Branch: Enter your branch name
IFSC Code: Enter the IFSC Code as per your branch
Address- Enter Address of your branch
City- Enter the name of your city of your branch
State: Enter your state name
The Card Holder can opt to cancel the Card Account at any time, with or without prior notice. To stop the abuse, it is best to cut the credit card into four parts ensuring permanent destruction of the hologram and magnetic strip. By writing to "ICICI Bank Limited, ICICI Phone Banking Centre, ICICI Bank Tower, 7th floor, Survey No: 115/27, Plot No. 12 Nanakramguda, Serilingampally, Hyderabad – 500032, India, the cardmember can revoke the Card membership at any time by suggesting the complete Card number.
The termination will only take place once ICICI Bank accepts payment of all the due amounts in respect of the Card Account specified. In the case of the termination of a credit card programme or when the credit card is renewed, ICICI Bank Limited claims the right, at its sole discretion, to offer a card form that is different from the current card type owned by the cardholder. The credit limits and cash limits on any credit card at any period are, at ICICI Bank Limited's sole discretion. The application for a card shall remain valid for any replacement card made available at the time of closure / renewal.
Shop with your Hdfc Credit Card and get amazing deals and exclusive offers. If you are an Internet Banking or Mobile Banking user you can get offers from numerous brands and also you will get an advantage on the deals and online offers. Scroll down and get in touch with all the offers.
Taj Experience Gift Card
Kalki Fashion Offer
Quick Heal Internet Security Offer
Four Fountains De-Stress Spa Offer
QuickBooks Discount Offer
Prompt ERP Offer
Eros Now Offer
SeleQtions Hotels Offer
Call on the below-given toll-free number to solve your any credit card related query.
Within India- 1860 120 7777, 1800 103 8181, 1860 120 6699
For customers calling from outside India, can give a call to +91-40-7140 3333 or +91-22-3344 6699
Apart from this, you can send an email to solve your credit card related query. Kindly send a mail to the below-given mail address:
Q: Can I use my credit card for international transactions?
A: All the credit cards issued by ICICI Bank are active for international transactions. If you are not able to use your card for international transactions, you may call the customer care from your registered mobile number to activate your credit card for international transaction purpose.
Q: How to place a request for Balance Transfer on credit card?
A: Balance Transfer facility is based on the type of credit card and also the availability of offers on your credit card. To know more information you have to call customer care from your registered mobile number.
Q: Can I change my mailing address from office to home address?
A: Yes, you can change your credit card mailing address from office address to home address by contacting customer care through e-KYC.
Q: How does the Contactless Credit Card work?
A: Contactless Credit Card has a chip and a radio frequency antenna embedded. When the Contactless Credit Card is tapped against terminal enabled for contactless payments, the card transmits payment details wirelessly, eliminating the need to insert it. Account details are communicated to the reader and then processed through the acceptance network in the usual way.
Q: Is the Contactless Credit Card more secure?
A: The ICICI Bank Contactless Card never leaves the customer’s hand when a payment is made, there is no chance for a fraudulent transaction, so he/she is always in control. This gives added security to the card.
Q: How to track my ICICI credit card status?
A: If you have applied for a credit card through a bank website then you can track the status by entering information such as your application Id, Mobile number, PAN and Date of Birth.
If you have applied for a credit card through the branch or any other channels, you can check the status of the application by visiting the respective branch.
Q: What is 3D Secure PIN in ICICI bank?
A: 3D Secure Code is a service offered by ICICI Bank in partnership with MasterCard. This service provides a way to PIN-protect your card usage on the Internet. Your 3D Secure PIN must be 6 digits in length and contain only numbers. Simply register your card and choose a 3D Secure PIN. This 3D Secure PIN will be required whenever you use your card to make Internet purchases from participating merchants.
Q: How to generate 3D secure PIN for my credit card?
A: Steps for registration of credit card for 3D Secure PIN:
1. Visit the bank website
2. Select>>> Products
3. Click on >>>Cards
4. Select>>>Credit card option
5. Click on >>>3D secure registration and OTP generation
6. Click on >>>Register for Verified by Visa / Mastercard SecureCode
7. You will get an option to create your Personal Assurance Message (PAM).
You will be asked to create a 6-digit numeric PIN. Once you enter the 6-digit numeric PIN of your choice, it becomes your 3D Secure PIN.
Q: How can I download my ICICI credit card statement?
A: You can download your credit card statement through Internet banking and iMobile app.
Login to your Internet Banking Account > My Accounts > Credit Cards > Service request > Credit card statement request- E-mail > Choose the date from which date you required.
Login to iMobile > Click on Select Credit Card Number> Click on Card Number > Click on More options > Select the Last/past Statement > Choose the Statement date and View/Send e-mail.
Q: To whom do the add-on credit card will be given?
A: Add-on card can be given only to immediate blood relatives of the Primary Card Holder. The bank will provide up to 4 add-on cards.