Credit Card FAQs

A Credit Card is a payment instrument issued by the Bank that allows customers to make purchases on credit within a pre-set limit. Customers can repay either the total outstanding amount or the minimum amount due on or before the due date every month.

A Credit Card offers several benefits such as:

• Convenient and secure payments

• Interest free credit period (up to the billing cycle)

• Rewards points and/or cashback

• EMI payments

• Credit score building

• Exclusive shopping offers

• Concierge services etc. 

The credit period typically ranges between 18-48 days, depending on your billing cycle and the date of purchase. 

• ICICI Bank offers a wide range of Credit Cards to suit different customer needs, including

  • Lifestyle credit cards

  • Travel credit cards

  • Shopping credit cards

  • Fuel credit cards

  • Co-branded credit cards

  • Business credit cards

  • Student credit cards

  • Cards with airport lounge benefits

  • Entry-level cards etc. 

  To know about the credit cards offered by ICICI Bank, click here.

ICICI Bank Credit Cards offer various benefits such as:

• Rewards points and cashback

• Fuel savings and surcharge waiver

• Domestic and International airport lounge access

• EMI Conversions

• Partner merchants discounts

• Zero liability on lost/stolen cards

• Milestone benefits etc. 

A Contactless Credit Card enables tap-and-pay transactions at NFC-enabled POS terminals. During contactless payments, the card does not leave the customer’s hand, thus reducing fraud risk. Also, the low-value transactions can be performed without entering a PIN (as per regulatory limits).

A Secured Credit card is issued against a Fixed Deposit placed with the Bank. There should be no lien or partial withdrawal on the Fixed Deposit at the time of issuance. It is suitable for customers who have a limited credit history or want to build/repair their credit score. The secured card is issued only to primary account holders.

You can use your card to pay for your transactions at merchant- retail or online. Transactions are added to your account and reflected in the monthly statement. You then repay the dues by the due date.

The Credit Limit is the maximum amount you can spend on your card at any given time. It is assigned by the Bank based on eligibility criteria.

A billing cycle is the period between two statement dates and typically ranges from 28 to 31 days.

The Total Amount Due is the full outstanding amount on your Credit Card for the billing cycle.

It is the minimum sum you must pay by the due date to avoid late payment fees. Interest will continue to apply on the remaining balance.

The due date is the last date by which your payment must be made to avoid late fees and maintain a healthy account status.

It is the period from the transaction date to the statement due date when no interest is charged, provided the previous balance is cleared in full.

Reward points are loyalty points earned on eligible transactions made using your Credit Card. These accumulated points can be redeemed for various benefits such as gift vouchers, merchandise, travel bookings or statement credit, depending on the card’s rewards program.

Yes, cash withdrawal is possible at ATMs. Cash advances attract interest and transaction fees from the transaction date.

Revolving credit is a repayment option that allows you to pay only the minimum amount due and carry forward the remaining outstanding balance to the next billing cycle. Interest is charged on the unpaid portion until it is fully repaid.

Yes, many ICICI Bank Credit Cards support international usage. Foreign currency mark-up charges may apply as per the card’s terms and conditions.

An annual fee is a recurring yearly charge levied for maintaining Credit Card services and associated benefits. Certain cards may offer annual fee waivers when you meet specified spending thresholds during the year.

Yes. Certain ICICI Bank Credit Cards offer annual fee waivers when you meet the prescribed annual spending criteria. The waiver may apply for the first year, subsequent years, or both, depending on the card’s terms and conditions.

Finance charges are interest costs applied to outstanding dues on your Credit Card. They may be levied on unpaid balances, cash advances, EMI conversions and amounts carried forward under revolving credit until fully repaid.

Interest charges begin when the Total Amount Due is not paid on or before the due date. Interest is also applicable from the date of transaction on cash withdrawals, as there is no interest-free period on cash advances.

A late payment fee is a charge applied when the Minimum Amount Due or the Total Amount Due is not paid on or before the specified due date. The fee amount may vary based on the outstanding balance and the Credit Card’s terms and conditions.

Yes. When you miss the due date, interest continues to accrue on the outstanding balance until it is cleared. Interest may also apply on new purchases until the dues are fully paid.

Yes. Consistent delays or missed payments may negatively affect your credit history and reduce your credit score, as payment behaviour is a key factor in credit assessment.

A forex markup fee is an additional charge applied on international transactions, including purchases made in foreign currencies or when using the card outside India. It is calculated as a percentage of the transaction value.

For international transactions, the amount is first converted into INR using the card network’s exchange rate. The applicable forex markup percentage is then added to the converted value and reflected in your statement.

Yes. GST is applicable on Credit Card fees, interest, and other service-related charges as per prevailing tax regulations. The GST amount will be reflected in your monthly statement.

A joining fee is a one-time charge applied at the time of issuing a Credit Card. In many cases, the joining fee is accompanied by welcome benefits such as reward points, vouchers or other introductory offers.

Primary Credit Card applicants must generally be 18 years or older. The eligible age for Plus Card (Add-on card) may begin from 12 years onward, depending on the card type and Bank policy.

No. You may apply for an ICICI Bank Credit Card even if you do not hold an ICICI Bank account. Approval is subject to eligibility, documentation and verification.

A Credit Card application may be declined due to factors such as insufficient credit history, low credit score, inadequate income, incorrect or incomplete documentation, multiple recent applications, or non-fulfilment of the Bank’s internal eligibility criteria.

Yes. A good CIBIL score and a strong repayment history improve your chances of Credit Card approval and may also support a higher credit limit. Poor or inconsistent credit behaviour can reduce eligibility.

Yes. A PAN card is mandatory for Credit Card issuance and is required to assess eligibility, verify identity and comply with regulatory norms.

Yes. Linking Aadhaar and PAN is required as per regulatory guidelines to complete KYC, verify customer identity and enable smooth processing of the Credit Card application.

Yes. You will receive a communication regarding the rejection along with broad reasons such as eligibility or documentation issues. However, the exact internal credit assessment parameters may not be disclosed.

You can track your application status online using the “Track My Application” option on the ICICI Bank website or through the iMobile app. You may need to enter your registered mobile number, application number or reference details to view the status.

Yes. You can apply for a Credit Card even if you have an active loan. Approval will depend on your overall credit profile, including repayment history, income stability and existing debt obligations.

Yes. ICICI Bank offers Credit Cards to eligible final-year students of select top colleges/institutes under specific student card programmes. Issuance is subject to the Bank’s internal criteria, college listing and successful verification of documents.

Yes. NRI customers may apply for eligible ICICI Bank Credit Cards, subject to product availability, regulatory guidelines and completion of required documentation.

Yes. Retired individuals can apply for Credit Cards based on pension income, savings or by opting for secured cards issued against a Fixed Deposit, subject to Bank evaluation and verification.

If you do not have a credit score, you may opt for a secured Credit Card issued against a Fixed Deposit or apply for an entry-level card, which can help you start building your credit history through responsible usage and timely repayments.

You can apply through the ICICI Bank website or mobile app by providing basic personal and income details. Once submitted, the Bank will verify your eligibility and inform you of the application status.

Yes. You can request a credit limit increase through iMobile, Internet Banking or by contacting customer support. Approval is subject to usage patterns, repayment behaviour, income documentation and overall credit profile.

Yes. The Bank may reduce the credit limit based on internal risk assessments, regulatory requirements or changes in your creditworthiness.

You may request a change in your credit limit at any time. Approval frequency depends on usage history, repayment behaviour, income documents and the Bank’s internal eligibility criteria.

A self-set limit is a feature that allows you to define your own spending limit on the Credit Card, lower than the assigned limit. It helps you control expenses, manage usage and enhance security.

A temporary credit-limit enhancement allows you to use a higher credit limit for a short period when you need additional spending capacity. You can request this by contacting the ICICI Bank Customer Care Centre, and the approval is at the Bank’s discretion. This facility is available only after 9 months of card membership and is granted based on your credit history.

You can manage usage controls through the iMobile Pay app by setting spend limits, enabling or disabling domestic or international transactions, and controlling specific channels such as online, POS or ATM.

Your international transaction may be declined if international usage is disabled on your Credit Card. You can enable it through the iMobile app under cards controls.

To link your RuPay Credit Card, log in to the iMobile app, go to UPI Payments, select UPI Settings, choose Link your RuPay Credit Card to UPI, enter and confirm your preferred UPI ID, select your ICICI Bank RuPay Credit Card and tap Confirm to complete the process.

Your Credit Card limit is determined based on multiple factors such as your declared income, existing repayment history, type of card applied for and the Bank’s internal risk evaluation. Limits may be revised over time based on usage and performance.

You can redeem your ICICI Bank Reward Points through Internet Banking by selecting Cards > Credit Cards > Reward Points > Redeem Now, or through the iMobile app by navigating to Cards & Forex, selecting your Credit Card and viewing the available points to redeem. Points can be redeemed for merchandise, e-vouchers, travel bookings, statement credit and other catalogue options based on your card’s rewards program.

You can view your reward points balance and redemption history through iMobile app or Internet Banking.

The minimum reward points required for redemption vary based on the product or service category selected on the ICICI Bank Rewards portal and each item will display its respective points requirement. 

No. EMIs, including transactions converted into EMI, are generally not eligible for reward points as per the card’s terms and conditions.

No. Reward points are not equivalent to currency and have a redemption value determined by the Bank. The value may vary across products, services or catalogue categories.

Yes. Eligible spends made on add-on cards earn reward points, which are accumulated under the primary cardholder’s account.

Accelerated reward refers to the benefit of earning additional reward points on specific categories or partner merchants, such as travel, hotel bookings or online shopping, beyond the standard earn rate.

The Terms and Conditions for redemption include reward point validity, applicable delivery timelines, return or replacement policies and the points required for each product category as listed on the ICICI Bank Rewards portal.

Yes. ICICI Bank Reward Points issued on ICICI Bank Credit Cards carry a validity of 3 years from the date of issuance, after which they automatically expire if not redeemed.

You may not receive reward points if the transaction type is not eligible under the rewards program. Certain spends such as fuel, cash withdrawals, EMI conversions, fee payments or wallet loads may not earn reward points as per the card’s terms and conditions.

Yes. Any unredeemed reward points will be forfeited when you close your Credit Card account.

Yes, but only if your specific ICICI Bank Credit Card offers this feature, as redemption options vary by card type and rewards program.

Yes. A Redemption Handling Fee of ₹99 plus applicable GST is charged for every redemption request. This fee along with the GST amount, will appear in your monthly Credit Card statement.

No. Once a redemption request is placed, the selected item cannot be changed, even if the reward points required remain the same.

ICICI Bank Rewards is a loyalty program that allows you to earn reward points on eligible transactions made using your Credit Card on ICICI Bank Rewards Programme, which can later be redeemed for vouchers, merchandise, travel or statement credit depending on the card’s benefits.

ICICI Bank offers several travel-focused Credit Cards such as Sapphiro, Emeralde, Emeralde Private Metal, and select co-branded travel cards that provide premium perks including airport lounge access, travel rewards, concierge services and partner privileges. 

The Priority Pass sent along with your Credit Card is already activated and can be used directly for accessing international airport lounges. No additional activation steps are required.

Priority Pass lounges are searchable at prioritypass.com > Lounge Search; Priority Pass covers a wide global network of lounges - check the site of Priority Pass for the latest lounge list.

ICICI Bank fuel credit cards such as the HPCL Super Saver Credit Card provide benefits like fuel surcharge waiver, accelerated reward points on fuel spends and cashback at partner fuel stations.

To avail the BookMyShow offer, select your movie, seats, location and showtime, proceed to the payment page, accept the terms and conditions, open the Offers/Apply Promo Codes section, choose Credit Cards, search for ICICI, select the applicable offer for your card (for example, “Up to ₹500 off on 2nd ticket” or “25% off up to ₹100 on 2nd ticket”), enter your complete Credit Card number and continue to make the payment.

Yes. The value of the complimentary movie ticket is capped as per the specific offer and terms applicable to your ICICI Bank Credit Card. Limits may vary based on the card variant.

Yes. The free ticket value under the BookMyShow offer is capped based on your ICICI Bank Credit Card type:

If you see “Transaction failed,” wait 20 minutes and retry; if message is “Stock for the day is exhausted,” the offer inventory is depleted.

If the booking failed but you were charged, BookMyShow will send a reversal request the same day; the charge should reverse automatically. You may contact Customer Care if reversal is delayed.

Some ICICI Bank Credit Cards offer complimentary travel insurance, available only on select card variants and subject to eligibility, coverage limits and the card’s terms and conditions. For detailed policy coverage, limits and claim procedures, please refer to the Terms & Conditions provided on the respective credit card product page.

Movie offers on ICICI Bank Credit Cards are available on all days, subject to offer terms and daily quota availability.

Airport Lounge Access is a benefit offered on eligible ICICI Bank Credit Cards that provides complimentary visits to domestic or international airport lounges, allowing you to relax and enjoy services such as seating, refreshments and Wi-Fi before your flight. 

You can request re-dispatch of your Credit Card through Internet Banking under Cards > Credit Cards > Manage Your Credit Card > View All > Replacement/Renewal card not received, or by calling Customer Care from your registered mobile number. The first delivery attempt will be made within 5 working days from the date of request.

You will typically receive your renewal Credit Card about 10 days before your current card’s expiry date. Your existing card remains valid until the last day of the month printed on the card. If you do not receive the renewal card, you can raise a request through Internet Banking or by contacting Customer Care.

If you do not receive your renewal Credit Card, you can raise a non-receipt request through Internet Banking under Cards > Credit Cards > Manage Your Credit Card > View All > Replacement/Renewal card not received, or call Customer Care from your registered mobile number for assistance.

You can request a replacement Credit Card by calling Customer Care from your registered mobile number. Once the request is placed, the first delivery attempt is typically made within 5 working days.

Yes. You will receive SMS and email alerts with courier name and airway bill number when the card is dispatched.

If you receive transaction alerts on your mobile, your number is registered; alternatively call Customer Care from your registered mobile number for confirmation.

To get your User ID, call Customer Care and follow the self-banking option; to generate a password, use the “Get Password” link on the ICICI Bank login page and follow the steps to validate your registered mobile number.

You can change your Internet Banking User ID for credit cards by logging in to Internet Banking > My Profile > Update user ID; note this is a one-time change

Register your card as a biller via Internet Banking: Payments & Transfer > Pay Bills > Bill Payment >Credit Card > Select “ICICI Bank Credit Card” and provide the 16-digit card number to complete registration.

Log in to iMobile Pay > Cards & Forex > Choose your Credit Card > Manage Card > Enable Online/International/Tap & Pay, or use Internet Banking > Cards > Credit Cards > Manage your Card > View All > Manage Credit Card > Manage Credit Card Usage.

No. For security, OTPs are sent only to your registered mobile number; ensure your mobile number is updated with the Bank.

You can pay your Credit Card bill through iMobile App, Internet Banking, UPI, NEFT, auto-debit, cheque or cash payment, depending on your preference.

Yes. You can make your payment through select ICICI Bank ATMs that accept cash or cheque deposits for Credit Card payments.

If your cheque payment is not received and cleared by the due date, late payment charges and interest will be applied on the outstanding amount as per the Credit Card Terms & Conditions.

Any excess amount paid becomes a credit balance on your Credit Card account and will be automatically adjusted against your future transactions or outstanding dues.

Yes. Merchant refunds, reversals, chargebacks or permanent fraud credits posted to your card are treated as payments and will be adjusted against your outstanding balance.

Excess payment is automatically adjusted toward future transactions; for queries call Customer Care or email customer.care@icicibank.com from your registered email with the last 4 digits of your card.

Yes. You may request a change in your billing cycle once every six months, provided this feature is available on your specific Credit Card. Approval is subject to the Bank’s internal policies.

No. Bill payment facility through Internet Banking is free of cost.

Payments are allocated in a prescribed order: income and charges, then EMI principal, cash principal and retail principal, as per the Bank’s payment application logic.

Please allow up to 24 hours for the payment to reflect in your Credit Card account. If it still does not appear after this period, contact Customer Care with the payment reference details for assistance.

You can set up Auto Debit through the iMobile app by selecting Cards & Forex > Choose your Credit Card > Manage > Manage Auto Pay, or via Internet Banking under Cards > Credit Cards > Manage Your Credit Card > View All > Manage Auto Pay. You can also activate Auto Debit by submitting the printed Auto Debit form to the Bank.

Download the Auto-Debit form from www.icicibank.com > Form Center > Auto-Debit Facility under Credit Card, fill, sign and send to the address on the form; you can also activate auto-debit online via Internet Banking or iMobile if linked to the savings account.

No. Linking accounts does not activate auto-debit; you must complete the Auto Debit registration process to enable it.

You can change the Auto Debit option through the iMobile app or Internet Banking or by calling Customer Care from your registered mobile number and completing authentication.

• If Auto Debit is for minimum due and you make a partial payment less than minimum due, Auto Debit will only take the remaining minimum.
• If Auto Debit is for total due and you make a part payment, Auto Debit will collect the remaining total due.
• Auto Debit will not trigger if payment is made 5 days before the due date.

You can view your Credit Card number by logging into the iMobile app or Internet Banking and selecting your Credit Card details.

No. EMI billing dates cannot be changed; the EMI amount will continue to appear in your Credit Card statement.

EMI amounts are included in your monthly Credit Card statement and can be paid through any regular Credit Card payment method; no separate payment is required.

No. New PLCC conversions follow the same statement date and payment due date as your Credit Card.

Yes. You can foreclose the EMI or PLCC on your credit card through iMobile app by visiting Cards & Forex > Manage Card > EMI Closure or through Internet Banking by visiting Cards > Credit Card > EMI Closure . Alternatively, you can foreclose your EMI or PLCC loan by calling Customer Care from your registered mobile number or by emailing customer.care@icicibank.com with the last four digits of your Credit Card for further assistance. Part-payment option is not provided in EMI or PLCC.

No. Reward points are not earned on EMI transactions or on purchases that have been converted into EMI.

You can check your remaining EMI tenure through the iMobile app, Internet Banking or by contacting Customer Care from your registered mobile number.

You can download a soft copy of the amortisation schedule on iMobile by visiting Cards & forex>Manage Card>EMI Summary> download by selecting the PLCC/EMI transaction or alternatively you can request a soft copy of the amortisation/repayment schedule by calling Customer Care or by emailing customer.care@icicibank.com with the last four digits of your Credit Card. Soft copies are sent to your registered email ID within 1 working day.

Retail transactions of ₹1,500 and above can be converted into EMI with tenure options of 3, 6, 9, 12, 18 or 24 months. Cash, jewellery and fuel transactions are not eligible for EMI conversion.

Interest charges stop immediately once the complete outstanding dues are paid in full as per the statement and within the due date.

You can request a soft copy or physical copy of the interest calculation sheet by calling Customer Care or by emailing customer.

Your e-statement is password protected. The password consists of the first four letters of your name (as printed on your Credit Card, in lowercase) followed by your date and month of birth in DDMM format. The password is case sensitive and should not include spaces or special characters. If you are unable to open the statement, please contact Customer Care for assistance.

You can view and download your Credit Card statement through the iMobile app by selecting Cards & Forex > View Statement to access current, last, past or annual statements. You can also retrieve statements via Internet Banking under Cards > Credit Cards. Statements can additionally be emailed to you on request.

You can view your current statement, last statement and past statements going back up to 5 years. You can also select a custom date range to view or download older statements within this available period through Internet Banking or the iMobile app.

Interest is charged when the Total Amount Due is not paid by the due date. It accrues on the total outstanding balance and on all new transactions from the transaction date until previous dues are fully cleared. Interest is also levied on cash advances from the date of withdrawal until repayment.

You should block your Credit Card immediately through the iMobile app under Cards & Forex > Block, or via Internet Banking by navigating to Cards > Credit Cards > Manage Your Credit Card > Block Card. You can also call Customer Care from your registered mobile number or visit the nearest ICICI Bank branch to block the card and request a replacement.

You may raise a dispute; however, claims for transactions made before the card was blocked may not be accepted, as financial liability for unauthorised transactions prior to blocking rests with the cardholder.

When travelling to high-risk countries, inform the Bank in advance, enable only the required transaction channels on your Credit Card, and monitor all SMS and email alerts closely for any unusual activity. It is also advisable to replace your card after returning if it was used in a high-risk region.

You can withdraw a dispute by calling Customer Care from your registered mobile number or by emailing customer.care@icicibank.com with the last four digits of your Credit Card and the request details

You must download and fill the Transaction Dispute Form (CDF) from the ICICI Bank website and submit it along with supporting documents based on the dispute type. For example, provide merchant communication for goods or services not received, cancellation proof for unprocessed refunds, or payment proof if the transaction was paid by another mode.

Your Credit Card may be declined for security reasons if the Bank detects suspicious activity, a high-risk payment location, incorrect OTP entry or an unusual spending pattern. To confirm and unblock the card if required, please contact Customer Care on 1800 1080 from your registered mobile number.

A contactless transaction cannot occur accidentally. The card must be held within close proximity (around 4 cm) of the terminal, and the cashier must first enter the transaction amount before the tap is processed.

If you notice a fraudulent transaction, report it to the Bank immediately. The Bank will investigate the issue and may provide temporary liability protection based on the card’s terms and the time of reporting. Blocking your card promptly helps prevent further unauthorised use.

No. Even if the card is tapped multiple times, the system processes only one transaction for the purchase.

You can block your Credit Card instantly through the iMobile app under Cards & Forex > Block, or via Internet Banking by navigating to Cards > Credit Cards > Manage Your Credit Card > Block Card. You can also block the card by calling Customer Care from your registered mobile number or by visiting the nearest ICICI Bank branch.

For online transactions, always use secure websites, avoid using public or unsecured Wi-Fi, ensure OTP-based authentication is enabled and never share card details or respond to phishing emails claiming to be from the Bank.

Yes. You can temporarily lock your Credit Card through Internet Banking or the iMobile app, or by calling Customer Care from your registered mobile number.

You should immediately block your Credit Card temporarily through Internet Banking, the iMobile app or by contacting Customer Care, and then request further assistance or a replacement card if required.

No. A third party cannot request a limit change on your behalf. The Bank will authenticate the account holder before processing any limit modification request.

Yes. You can link multiple ICICI Bank relationships—such as savings accounts, Credit Cards and Demat accounts—to a single Internet Banking User ID, provided key details like your name, date of birth and communication address match. Joint account linking is subject to specific rules.

Upon receiving your Credit Card, sign on the back of the card, activate it as instructed, set your PIN and enable the required transaction channels such as online, international or contactless usage through the iMobile app or Internet Banking.

You can generate or change your 3D Secure PIN through the iMobile app or via Internet Banking by following the on-screen authentication and PIN setup steps.

No. Each card - primary and add-on - requires a separate ATM PIN.

In India, a PIN is required for most POS transactions. Internationally, a PIN is required only if the POS terminal supports PIN authentication.

You can reset your 3D Secure PIN or ATM PIN through the iMobile app, Internet Banking or at any ICICI Bank ATM by following the PIN change instructions.

The CVV is a 3-digit code printed on the signature strip on the back of Visa and MasterCard Credit Cards. For American Express cards, the CVV is a 4-digit code printed on the front of the card.

You can reach i-Assist by calling 1800 26 70731 (toll-free from MTNL/BSNL lines) or 022 6787 2016 (standard call charges apply).

The concierge team is available 24x7, 365 days a year.

i-Assist provides a range of services such as travel bookings, dining and event reservations, emergency assistance, and personalised recommendations. The exact services available depend on your Credit Card variant. Please refer to your Card page for the specific services offered.

ICICI Bank provides concierge services to select cardholders through i-Assist, offering personalised support for travel, medical, emergency and lifestyle requests. It functions like a personal assistant, helping you arrange services through the Bank’s authorised partner, based on the benefits available on your Credit Card.

ICICI Bank Credit Cards offer a host of features and offers specially designed for our esteemed customers. We request you to reconsider your decision of cancelling your credit card.

If you wish to cancel your ICICI Bank Credit Card, please ensure that all outstanding dues are cleared and redeem any accumulated reward points before cancellation, as points will lapse post closure.

Once ready, you may call our Customer Care on 1800 1080 from your registered mobile number to place a cancellation request or via www.icici.bank.in > Personal > Cards > Credit cards > Manage Cards > Credit Card Cancellation;

Yes. The Bank’s 1% rent payment fee is charged separately and is in addition to any platform or convenience fees imposed by the merchant.

IGST (Integrated Goods and Services Tax) is a tax applied on financial services such as interest, processing fees and late payment charges. It appears in your Credit Card statement as the tax component on eligible service charges, as per government regulations.

MITC stands for Most Important Terms and Conditions of ICICI Bank Credit Cards. You can view the MITC, detailed Terms & Conditions and FAQs on the ICICI Bank website under the Credit Card product section in the quick links.

An e-Welcome Kit is a digitised membership pack which includes the Membership Guide, Terms & Conditions and the MITC in downloadable PDF format for easy access.

You can update your email address through the iMobile app by going to Cards & Forex > Select your Credit Card > Manage, or via Internet Banking under Cards > Credit Cards > Manage Your Credit Card.

Credit Cards can be delivered only to the mailing address registered with the Bank or to the nearest ICICI Bank Branch. If you are unavailable at that address, you may leave an authorisation letter with a family member along with their valid ID proof so they can receive the card on your behalf.

A rent payment fee of 1% + GST is charged on all rent payment transactions made using ICICI Bank Credit Cards.