BizPay Card FAQ’s

The Umang Card is an EMV chip based re-loadable Prepaid Card that allows beneficiaries to receive government subsidies or benefits directly into their Umang card

What is the Online Processing of Loans /Credit Cards program? Online processing of Loans /Credit Cards is a program for all the customers (ICICI and Non ICICI customer) that enables them to avail loans at the click of the button through various channels subject to some internal verification.

The Reserve Bank of India (RBI) has imposed restrictions on the MasterCard Asia/Pacific Pte. Ltd., as per an order dated Jul 14, 2021, from on-boarding/ boarding new Debit, Credit and Prepaid Card customers onto its platform from Jul 22, 2021. (RBI Press Release on MasterCard) RBI Circular link mentioned here

OTP will be sent only via SMS to customer’s registered mobile number.

PAYBACK is India's largest and one of Europe's most successful loyalty programs. It allows you to earn PAYBACK points based on your purchases at different partners and different methods of payment.

ICICI Bank Rewards is the rewards program for all ICICI Credit / Debit Card customers. It is powered by PAYBACK – India’s Largest Rewards Program. All ICICI Card customers are automatically enrolled into the PAYBACK Programme. Under the ICICI Bank Rewards, a member can earn PAYBACK Points for all purchases made on the Card and redeem points for shopping across the PAYBACK Partner network or Rewards Catalogue or VoucherWorld.

Learn more about the rewards structure on your ICICI Bank Debit Card click here

Learn more about the rewards structure on your ICICI Bank Credit Card click here

ICICI Bank Rewards is the rewards program for all ICICI Credit / Debit Card customers. It is powered by PAYBACK – India’s Largest Rewards Program. All ICICI Card customers are automatically enrolled into the PAYBACK Programme. Under the ICICI Bank Rewards, a member can earn PAYBACK Points for all purchases made on the Card and redeem points for shopping across the PAYBACK Partner network or Rewards Catalogue or VoucherWorld.

Learn more about the rewards structure on your ICICI Bank Debit Card click here

Learn more about the rewards structure on your ICICI Bank Credit Card click here

Credit Linked Subsidy, is a scheme launched by our Honourable Prime Minister Shri Narendra Modi for Economically Weaker Section (EWS), Low Income Group (LIG) and Middle Income Group (MIG – I & MIG –II). The beneficiary would be eligible for interest subsidy on purchase/construction of a house. The scheme is also available for enhancement of a dwelling unit.

Know More

You can look for these 5 factors in a company before buying a life insurance plan:

• Company’s claim settlement ratio
• Asset Under Management (AUM) which is an indicator of company’s financial health & consumer trust
• Brand value of the company/reputation of the company
• Company’s presence (geographical & digital)
• Ease and convenience provided to the customer

A grace period for payment of premium of 15 days applies for monthly premium payment mode and 30 days for other modes of premium payment (i.e. yearly, half-yearly). If the premium is not paid within the grace period, the policy shall lapse and cover will cease.

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Yes, you have the flexibility to de-link your Accounts from other banks at any time. Simply go to iFinance and revoke consent using the link provided. This will remove the data of that Bank Account from iFinance.

The ICICI Bank BizPay Card is a reloadable prepaid card with an EMV chip. It is designed to manage business petty cash expenses in Indian Rupees.

The issuance fees for the BizPay Card are Rs. 499 + GST.

Public financial management system. It is an online platform launched by Government of India to facilitate efficient management of funds by government. System ensure timely and efficient transfer of funds to beneficiaries. It works by integrating the databases of various government department and linking them to the bank account/card of the beneficiaries

Post submission of loan details and by choosing the Quick Online Processing option customer will asked to fill the form online. On the basis of the details provided approval will be granted after various checks are being performed as per the risk policy of the ICICI Bank Ltd.

From Jul 22, 2021, ICICI Bank Limited shall be unable to accept further applications for any ICICI Bank Debit Cards on the MasterCard network. They will be on-boarded to other network partners, seamlessly.

You need to visit the nearest ICICI Bank branch to update your registered mobile number.

The points earned under the PAYBACK program are called PAYBACK points.

1. PAYBACK Points from earned on the ICICI Bank Debit Card are credited to the PAYBACK Account by the 15th of the next month. For example, points earned in the month of February 2018, will be credited to the PAYBACK Account by March 15, 2018.
2. PAYBACK Points earned on the ICICI Bank Credit Card are credited to the PAYBACK Account within 15 days after the Statement cycle.

1. PAYBACK Points from earned on the ICICI Bank Debit Card are credited to the PAYBACK Account by the 15th of the next month. For example, points earned in the month of February 2018, will be credited to the PAYBACK Account by March 15, 2018.
2. PAYBACK Points earned on the ICICI Bank Credit Card are credited to the PAYBACK Account within 15 days after the Statement cycle.

5.11% interest rate per annum is an effective interest rate for home loan borrowers for the first year considering the subsidy under Pradhan Mantri Awas Yojana (PMAY) and income tax benefit as per income slab.

For example: If your annual family income is Rs. 15 lakh and avail a home loan of Rs. 25 lakh from ICICI Bank with Credit Linked Subsidy Scheme (CLSS) of PMAY, then you would receive a subsidy of Rs. 2.30 lakh. Also on your above income, you would be able to avail income tax benefit of Rs. 72,244 for a year. Therefore, though the interest rate applied to your loan account is 9.05% p.a., the effective interest rate would be 5.11% p.a. for the first year considering the above benefits.

Basis your age, gender and tobacco usage your premium for the sum assured chosen by you can be calculated.

If you are not satisfied with the policy, you may cancel it by returning the policy document to the ICICI Prudential Life Insurance Company Limited (ICICI Life) within 30 days from the date you received it. On cancellation of the policy during the free look period, ICICI Life will return the premium paid subject to the deduction of: a. Stamp duty paid under the policy, b. Expenses borne by ICICI Life on medical examination, if any and c. Proportionate risk premium for the period of the cover. The policy shall terminate on payment of this amount and all rights, benefits and interests under this policy will stand extinguished.

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As an ICICI Bank customer, the usage of iFinance is free of charge. However, please refer to the Terms & Conditions provided by ICICI Bank for any fees applicable to using specific features of iFinance from time to time.

You can add funds to your ICICI Bank BizPay Card through NEFT, IMPS, UPI, and the Bank's Corporate Portal. There is no restriction on the number of reloadings you can perform on the card.

National Automated Clearing House, Is a system used for electronic funds transfer. The NACH system allows for electronic transfer of funds between banks and their customer as well as between banks. It can be used for variety of transaction such as salary payment, subsidy disbursement, dividend payment etc.

• Quicker sanction of Loans at the click of the button.
• Walk into the dealer with documents and come out with the vehicle Walk into the branch with the documents and come out with funds in Account.
• Convenience of your home/office, while availing loan online and checking status of loan online.

Yes. Customers can continue to apply for a new Debit Card. ICICI Bank has tie-ups with other reliable network partners, to process new card requests.

OTP will be sent to the registered mobile number.

You can redeem the PAYBACK points for more than 500 unique rewards at www.payback.in or directly use them as payment option at some of the PAYBACK partners. For details, please visit the rewards section at www.payback.in.

1) You can redeem your PAYBACK Points for your favourite product from 1000+ products on the PAYBACK Rewards Catalogue. Visit PAYBACK.in or download PAYBACK App to access the Catalogue. The product will be delivered at your billing address within 2 weeks, at no extra cost.

2) You can redeem your PAYBACK Points on vouchers from 100+ brands on PAYBACK VoucherWorld. Visit PAYBACK.in or download PAYBACK App to access VoucherWorld. Voucher will be delivered instantly on your registered email id and mobile number.

3) You can redeem your PAYBACK Points from at our 100+ in-store / online PAYBACK Partners. Use your PAYBACK Card / Linked Mobile Number on checkout and enjoy great savings. Visit payback.in to view full list of partners.

1) You can redeem your PAYBACK Points for your favourite product from 1000+ products on the PAYBACK Rewards Catalogue. Visit PAYBACK.in or download PAYBACK App to access the Catalogue. The product will be delivered at your billing address within 2 weeks, at no extra cost.

2) You can redeem your PAYBACK Points on vouchers from 100+ brands on PAYBACK VoucherWorld. Visit PAYBACK.in or download PAYBACK App to access VoucherWorld. Voucher will be delivered instantly on your registered email id and mobile number.

3) You can redeem your PAYBACK Points from at our 100+ in-store / online PAYBACK Partners. Use your PAYBACK Card / Linked Mobile Number on checkout and enjoy great savings. Visit payback.in to view full list of partners.

5.11% interest rate is an effective interest rate for first year for home loan borrowers considering the subsidy under Pradhan Mantri Awas Yojana (PMAY) and Income Tax benefit for a year.

For example: If your annual family income is Rs. 15 lakh and avail a home loan of Rs. 25 lakh from ICICI Bank with Credit Linked Subsidy Scheme (CLSS) of PMAY, then you would receive a subsidy of Rs. 2.30 lakh. Also on your above income, you would be able to avail income tax benefit of Rs. 72,244 for a year. Therefore, though the interest rate applied to your loan account is 9.05% p.a., the effective interest rate would be 5.11% p.a. for the first year considering the above benefits.

As an ICICI Bank customer, you can avail this plan through your Internet Banking account where in you get a cover of ₹1 crore. You will need to do minimal form filling and do not have to undergo any medical tests. This is not offered anywhere else in the industry.

In case of death due to suicide within 12 months:

• from the date of inception of the policy, the nominee or beneficiary of the Life Assured shall be entitled to 80% of the premiums paid, provided the policy is in force     or
• from the date of revival of the policy the nominee or beneficiary of the Life Assured shall be entitled to an amount which is higher of 80% of the premiums paid till the date of death or the surrender value as available on the date of death.

On payment of this all rights, benefits and interests under the policy will stand extinguished.

The ICICI Bank BizPay Card can be used for cash withdrawal at ICICI Bank ATMs and other bank ATMs. It is also accepted at e-commerce sites, point-of-sale (POS) outlets, and for cash transactions at POS.

You can receive a variety of benefit through your direct benefit transfer card, such as education scholarship, food subsidy, rural housing funds etc.

Once the customer clicks on the banner he will be directed to the secure page on the ICICI Bank Ltd

Yes, customers can apply for a reissuance of their MasterCard Debit Card. The RBI directive does not impact this service.

One-Time Password (OTP) is a 6-digit numeric code which is used to authenticate online transactions.

You earn PAYBACK points by using your ICICI Bank Debit Card or payments at merchant outlets or websites worldwide. You can also earn PAYBACK points through your ICICI Bank Credit Card or at Book My Show, MakeMyTrip.com, HPCL and lots of other PAYBACK partners. For more details, please visit www.payback.in or call the PAYBACK Contact Center

Please write to membercare@payback.in or call PAYBACK Contact Centre at 1860-258-5000 (call charges apply) to register your request.

Please write to membercare@payback.in or call PAYBACK Contact Centre at 1860-258-5000 (call charges apply) to register your request.

No. This rate is not applicable if you are not eligible for PMAY.

Apart from death benefit, this plan can also give you a terminal illness benefit where you can get the life cover before the policy term in case you get detected with a terminal illness. Also in case of permanent disability all your future premiums would be waived off, but your policy would continue.

Once the KYC (Know Your Customer) process is completed and your card is activated, you can start using it. As soon as the card is loaded by the corporate, it is ready for use.

Card can hold a maximum amount of Rs.1,00,000 at any point of time, The annual transaction limit on the card is Rs.10,00,000

Yes, you can upgrade your existing MasterCard Debit Card. You will be issued the upgraded Debit Card and on-boarded to other reliable network partners.

No, you will not be able to use an unused OTP. You need to generate a new OTP for every online transaction.

The PAYBACK points earned from different sources get collected in your personal PAYBACK account. If you do not know your PAYBACK number, please contact the PAYBACK Contact Center.

Log on to www.payback.in and enter your 16 digit PAYBACK Card Number / Linked Mobile Number

4-Digit PIN. After the first login, please change your PIN. If you do not know your PIN, please click on the ‘Forgot PIN’ link or call PAYBACK Contact Centre at 1860-258-5000 (call charges apply).

Log on to www.payback.in and enter your 16 digit PAYBACK Card Number / Linked Mobile Number and

4-Digit PIN. After the first login, please change your PIN. If you do not know your PIN, please click on the ‘Forgot PIN’ link or call PAYBACK Contact Centre at 1860-258-5000 (call charges apply).

Yes. This rate is applicable only for first time pucca home buyers, as this norm is as per PMAY criteria.

If you buy iProtect Smart today at say a monthly premium of ₹1000 and choose a term of 30 years; this premium would remain fixed throughout the entire policy term. But if you delay your purchase, i.e. if you plan to buy this policy say, 5 years later your premium would increase with your age.

The KYC for the ICICI Bank BizPay Card is conducted through biometric (finger print) verification of the customer.

The ICICI Bank UMANG Card can be used at any POS outlets, Cash at POS and E-commerce sites in India. You can also use it to withdraw cash at ICICI Bank or any other bank's ATM.

Yes, you will continue to enjoy the network services on your existing MasterCard ICICI Bank Debit Card.

OTP can be used only for a single online transaction.

Your PAYBACK points earned on your ICICI Bank Debit Card are credited to the PAYBACK account by the 15th of the next month. For example, points earned in the month of February 2011, will be credited to the PAYBACK account by March 15, 2011.

You can call the 24 hour ICICI Bank Customer Care or login to your ICICI Bank Internet Banking account to know your Point balance. Your PAYBACK Points summary earned on your ICICI Bank Credit Cards is included in your monthly statement.

You can also check your PAYBACK Points balance by sending an SMS. SMS <PBBAL> space <last 4 digits of your PAYBACK Card number> to 92121 46468 from your Linked Mobile Number. Please note that the SMS should be sent from the mobile number registered with PAYBACK and the PAYBACK Account should be linked to the Credit Card account of which the last 4 digits are being used.

You can track and manage your PAYBACK Points by logging on to PAYBACK at PAYBACK.inor download the PAYBACK App (from Google Play Store or App Store) or call PAYBACK Contact Centre at 1860-258-5000 (call charges apply).

PAYBACK also sends point balance in your account every month through SMS and e-mail on the linked mobile number and registered e-mail ID. To link your mobile number and e-mail ID, please visit the website or call the PAYBACK Contact Centre at 1860-258-5000 (call charges apply).

You can login to the PAYBACK website at payback.in or call the PAYBACK Contact Centre at 1860-258-5000 (call charges apply) to update your billing address. You can place a redemption order once your profile has been updated.

This interest rate would be applicable only for the first year and would change for the subsequent years as per the income tax slabs applicable on your prevailing income.

The annual fees for the BizPay Card are Rs. 249 + GST.

249 +GST

PAYBACK sends the PAYBACK point balance info to each customer, every month, via an SMS and e-mail on the mobile number and e-mail registered with PAYBACK. To register your mobile number and e-mail with PAYBACK, please call the PAYBACK Contact Center.

You can also find your PAYBACK point balance by sending an SMS <space> 'DCPBAL last 4 digits of your ICICI Bank Savings/Current Account Number' to 9212146468, from your mobile number registered with PAYBACK. In case you receive an not-error message, it may be because your mobile number is not updated with PAYBACK or your Savings Account Number is not linked with your PAYBACK account. Please call the PAYBACK Contact Centre to have this corrected.

You can also register with PAYBACK online by logging on www.payback.in and click on the 'Register here' tab.

PAYBACK is India’s Largest Rewards Program that lets you earn and redeem points on every shopping. With a wide range of in-store and online partners, you can earn points on groceries, fuel, entertainment, travel, apparel and more. Members can stack up points and redeem these points for free shopping. Members earn PAYBACK Points by swiping the PAYBACK Card or by quoting the Linked Mobile Number at the time of check-out at our participating partners. Points earned can be redeemed for a host of reward options from the PAYBACK Rewards Catalogue or for vouchers from the PAYBACK VoucherWorld or for free shopping at our in-store and online partners.

You earn PAYBACK Points by using your ICICI Bank Debit Card,Credit Card or payments at merchant outlets or online. To understand the exact earn rate on your Card, please refer to your Card page at www.icicibank.com or call ICICI Bank 24-hour Customer Care. We will be happy to provide you all the necessary details. Quote your linked mobile number along with your ICICI Bank Credit Card at 100+ PAYBACK Partners to earn more PAYBACK Points for the same transaction.

iFinance is a feature available on ICICI Bank digital platforms such as Internet Banking and Mobile app (for both individual and self-employed segments). It is powered by our Account Aggregator Technical Service (through Financial Information Providers or FIPs), which lets you fetch and view information of all your Accounts linked to your registered mobile number, held at other banks as well. iFinance offers a comprehensive view of your statements, including bank balances, top spending and income categories, expenses, expense breakdowns, daily inflows and balance analyses.

The ICICI Bank BizPay Card is valid for a period of 5 years.

Customer can request for replacement card by calling our ICICI Customer care (details mentioned below)

our PAYBACK points expire after 3 years from the date the points are credited to your PAYBACK account.

You can login to the PAYBACK website at payback.in or call the PAYBACK Contact Centre at 1860-258-5000 (call charges apply) to update your billing address. You can place a redemption order once your profile has been updated.

You can call the 24 hour ICICI Bank Customer Care or login to your ICICI Bank Internet Banking account to know your Point balance. Your PAYBACK Points summary earned on your ICICI Bank Credit Cards is included in your monthly statement.

You can also check your PAYBACK Points balance by sending an SMS. SMS <PBBAL> space <last 4 digits of your PAYBACK Card number> to 92121 46468 from your Linked Mobile Number. Please note that the SMS should be sent from the mobile number registered with PAYBACK and the PAYBACK Account should be linked to the Credit Card account of which the last 4 digits are being used.

You can track and manage your PAYBACK Points by logging on to PAYBACK at PAYBACK.inor download the PAYBACK App (from Google Play Store or App Store) or call PAYBACK Contact Centre at 1860-258-5000 (call charges apply).

PAYBACK also sends point balance in your account every month through SMS and e-mail on the linked mobile number and registered e-mail ID. To link your mobile number and e-mail ID, please visit the website or call the PAYBACK Contact Centre at 1860-258-5000 (call charges apply).

It has been a challenge for customers to visit different banks’ branches or navigate through different banking apps to access Account related information. iFinance brings you a one-stop digital solution to get a consolidated view of all your Bank Accounts and balances, in a single window. It also offers a summary and analysis of your income and expenses, where and how you have spent money from all your Accounts. This helps you exercise better control over your transactions and monitor your finances seamlessly.

The maximum balance that the card can hold is Rs. 1 lakh, and the annual transaction limit is Rs. 50 lakh.

The transaction limit can be customized as per the requirements of the corporate entity.

Biometric (finger print) KYC of the customer.

You can place redemption requests online, update your details with PAYBACK and track your points earning and redemption(s) by date and partner, among other options.

The mobile number linked to your PAYBACK Account is your PAYBACK Card. Just quote your mobile number during check out and enjoy the benefits of PAYBACK Membership.

PAYBACK is India’s Largest Rewards Program that lets you earn and redeem points on every shopping. With a wide range of in-store and online partners, you can earn points on groceries, fuel, entertainment, travel, apparel and more. Members can stack up points and redeem these points for free shopping. Members earn PAYBACK Points by swiping the PAYBACK Card or by quoting the Linked Mobile Number at the time of check-out at our participating partners. Points earned can be redeemed for a host of reward options from the PAYBACK Rewards Catalogue or for vouchers from the PAYBACK VoucherWorld or for free shopping at our in-store and online partners.

To connect your other bank Accounts:

• Log in to ICICI Bank (Internet Banking or mobile application)
• Click on iFinance, verify your mobile number through OTP
• Upon successful verification, link all your Accounts:
  • Select the banks that you want to link
  • Upon providing consent for each bank, your Accounts from other banks (FIPs) will be linked
  • Get ready to view consolidated balances and transactions in one place.

Card can be loaded by self and government through UPI, NEFT, IMPS, NACH, Online internet banking etc. similar to fund transfer to bank account

The PAYBACK card helps you collect points when you use the services of partners other than the ICICI Bank Debit or Credit Card.

You can show your PAYBACK card at PAYBACK partner merchant outlets or quote the PAYBACK Number at a PAYBACK partner website before making the payment. The PAYBACK points earned as per the rewards structure on your ICICI Bank Debit and Credit Cards get credited to your PAYBACK Account automatically every month for the purchases done directly using your ICICI Bank Debit and Credit Cards respectively.

Learn more about the rewards structure on your ICICI Bank Debit Card, click here

Learn more about the rewards structure on your ICICI Bank Credit Card, click here

You can place a request for a new Card by calling the PAYBACK Contact Center (1860-258-5000). This is issued absolutely free of cost.

Orders placed using your PAYBACK Membership can be cancelled only by calling the Contact Centre at 1860-258-5000 (call charges apply) within 24 hours from cancelling the order. The Contact Centre operates from 10:00 a.m. to 9:00 p.m., all days of the week. The cancellation must take place on the same day.

The accuracy of the data displayed on iFinance depends on the accuracy of information shared by other Financial Institutions like banks, CTAs, depositories, etc. (FIPs). We rely on the data provided by these FIPs and do not alter or modify it. It is essential to regularly review your transactions and balances to ensure accuracy.

Customer can reach out to ICICI customer care on 022-50405238 / 1800 1080

1) PAYBACK is India’s Largest Rewards Program where several brands have come together to reward customers. Customers accumulate points at a faster pace with PAYBACK as it has a huge network of partner brands at national, regional and local levels that cover a majority of your everyday and occasional spends across groceries, apparel, fuel, travel, entertainment, online shopping and more.

2) EarnPAYBACK Points on using your ICICI Bank Credit / Debit Cards as well as from 100+ PAYBACK Partners for the same transaction allowing you to earn more points for each purchase. This membership is valid across all PAYBACK Partner brands.

3) Accumulated points can be redeemed against an extensive Reward Catalogue, vouchers from 100+ brands or at any of the in-store/online partner brands.

Visit www.payback.in for list of partners and redemption options.

Please write to membercare@payback.in from your registered email ID or contact the PAYBACK Customer Centre at 1860-258-5000 (call charges apply) from 10:00 a.m. to 09:00 p.m. from your Linked Mobile Number and quote the PAYBACK Card Number.

De-linking will not delete the data previously received but basis your consent for future, fetching of new data will stop.

Card will be activated within 24 hours after successful completion of KYC on working day. On bank holidays activation will be done on the next working day

Yes, you can convert your PAYBACK Points to JPMiles. Please visit the Rewards Catalogue on payback.in or call the PAYBACK Contact Centre at 1860-258-5000 (call charges apply) to place the redemption order.

The mobile number linked to your PAYBACK Account is your PAYBACK Card. Just quote your mobile number during check out and enjoy the benefits of PAYBACK Membership.

Yes, you may re-link the de-linked Accounts any time you want. You have to follow the same process as you did while initially linking the Accounts.

1. Please report the lost card details to the PAYBACK Contact Centre at 1860-258-5000 (call charges apply). Once a card is reported lost, it will be blocked and under no circumstances will it be unblocked.
2. It is recommended you use your Linked Mobile Number to earn and redeem points at PAYBACK Partners and forget the hassle of carrying the PAYBACK Card. To link your number, visit the Profile section on payback.in or inform the Contact Centre.

You can place a request for a new Card by calling the PAYBACK Contact Center (1860-258-5000). This is issued absolutely free of cost.

No, iFinance is intended to provide you with a consolidated view of your Bank Accounts. It does not provide investment or financial advice. Any financial decision you make should be based on careful analysis and consultation with financial experts, as well as considering other relevant factors beyond iFinance’s representation of data.

The data on iFinance is refreshed daily to provide you with up-to-date information. You may also manually refresh at an hourly interval. However, the frequency of updates may depend on the policies of consent provided by you, the respective FIPs and the availability of data from those institutions.

You earn PAYBACK Points by using your ICICI Bank Debit Card, Credit Card or payments at merchant outlets or online. To understand the exact earn rate on your Card, please refer to your Card page at www.icicibank.com or call ICICI Bank 24-hour Customer Care. We will be happy to provide you all the necessary details. Quote your linked mobile number along with your ICICI Bank Credit Card at 100+ PAYBACK Partners to earn more PAYBACK Points for the same transaction.

Yes, you can convert your PAYBACK Points to JPMiles. Please visit the Rewards Catalogue on payback.in or call the PAYBACK Contact Centre at 1860-258-5000 (call charges apply) to place the redemption order.

PAYBACK Points are valid for a period of 3 years from the date of earn. Please visit PAYBACK.in to keep a track of your points.

1. Please report the lost card details to the PAYBACK Contact Centre at 1860-258-5000 (call charges apply). Once a card is reported lost, it will be blocked and under no circumstances will it be unblocked.
2. It is recommended you use your Linked Mobile Number to earn and redeem points at PAYBACK Partners and forget the hassle of carrying the PAYBACK Card. To link your number, visit the Profile section on payback.in or inform the Contact Centre.

You are automatically enrolled into ICICI Bank Rewards programme by being an ICICI Bank Debit or Credit Card customer. You earnPAYBACK Points on all your purchases made from ICICI Bank Debit or Credit Cards. Additionally, you can also earn points at PAYBACK Partners by quoting your Linked Mobile Number. To link your Mobile Number, please visit PAYBACK.in and login to your profile.

PAYBACK Points are valid for a period of 3 years from the date of earn. Please visit PAYBACK.in to keep a track of your points.

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You may login to PAYBACK website and follow the simple steps to get your new 4-digit PIN:

1. Log on to www.payback.in
2. Click on ‘Forgot PIN’ option
3. Key in your details and click on 'Submit'

PIN will be instantly sent to your registered email id. If you are unable to get a PIN through the above option, please contact PAYBACK Contact Centre at 1860-258-5000 (call charges apply).

1) PAYBACK is India’s Largest Rewards Program where several brands have come together to reward customers. Customers accumulate points at a faster pace with PAYBACK as it has a huge network of partner brands at national, regional and local levels that cover a majority of your everyday and occasional spends across groceries, apparel, fuel, travel, entertainment, online shopping and more.

2) EarnPAYBACK Points on using your ICICI Bank Credit / Debit Cards as well as from 100+ PAYBACK Partners for the same transaction allowing you to earn more points for each purchase. This membership is valid across all PAYBACK Partner brands.

3) Accumulated points can be redeemed against an extensive Reward Catalogue, vouchers from 100+ brands or at any of the in-store/online partner brands.

Visit www.payback.in for list of partners and redemption options.

PAYBACK endeavours to ensure that the products ordered reach your registered billing address within 10 working days unless the delay is due to conditions beyond our control or unless otherwise specified.

You are automatically enrolled into ICICI Bank Rewards programme by being an ICICI Bank Debit or Credit Card customer. You earnPAYBACK Points on all your purchases made from ICICI Bank Debit or Credit Cards. Additionally, you can also earn points at PAYBACK Partners by quoting your Linked Mobile Number. To link your Mobile Number, please visit PAYBACK.in and login to your profile.

Orders placed using your PAYBACK Membership can be cancelled only by calling the Contact Centre at 1860-258-5000 (call charges apply) within 24 hours from cancelling the order. The Contact Centre operates from 10:00 a.m. to 9:00 p.m., all days of the week. The cancellation must take place on the same day.

You may login to PAYBACK website and follow the simple steps to get your new 4-digit PIN:

1. Log on to www.payback.in
2. Click on ‘Forgot PIN’ option
3. Key in your details and click on 'Submit'

PIN will be instantly sent to your registered email id. If you are unable to get a PIN through the above option, please contact PAYBACK Contact Centre at 1860-258-5000 (call charges apply).

Yes, Customer have a choice of selecting local/ multicity cheque however no frill,student ,semi urban and rural account holders will get a local cheque book.

If you come across any issues or have questions related to iFinance, you can contact ICICI Bank Customer Care for assistance or to address your concerns. We will provide you with the necessary guidance.

As an ICICI Bank Credit Card customer, you are automatically enrolled to ICICI Bank Rewards.

The online account allows you to do the following:

1. View and manage your PAYBACK Points
2. View and edit your personal details
3. Access the PAYBACK Rewards Catalogue and place your redemption order online
4. Contact PAYBACK directly via the PAYBACK website
5. Shop with PAYBACK Online partner brands directly from the PAYBACK website
6. Learn all about the latest promotions that PAYBACK has to offer you

Cheque book will be processed and will be delivered to your address registered with bank.

In case your Account linking or data updation fails, please contact ICICI Bank Customer Care.

The PAYBACK Partners include leading brands helping you earn PAYBACK Points faster on one account. To get the complete list of PAYBACK partners, please visit PAYBACK.in

PAYBACK commits to always delivering the right product. In the unlikely event that this happens, please call the PAYBACK Contact Centre at 1860-258-5000 (call charges apply) within 7 days from the receipt of the product and PAYBACK will ship the right product to your billing address.

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1. The PAYBACK Card is your membership card to the PAYBACK loyalty programme.
2. It uniquely identifies every member with his/her membership number.
3. It is not a payment instrument like a Credit Card.
4. It also enables you to earn points from other PAYBACK partner brands.

The product is shipped to your mailing address free of cost. There is no need to pay any charges for the product at the time of the delivery. If you are asked to pay any extra charges, please do not accept the product and call the PAYBACK Contact Centre at 1860-258-5000 (call charges apply).

Both PAYBACK and i-mint Cards have a lifetime validity.

As an ICICI Bank Credit Card customer, you are automatically enrolled to ICICI Bank Rewards.

i-mint Cards are no longer in use. Your i-mint card number is now a PAYBACK Card number. You can now use your Linked Mobile number to earn and redeem points at PAYBACK Partners. You do not need to use a card anymore. To link your Mobile Number, please visit the profile section on payback.in

The PAYBACK Partners include leading brands helping you earn PAYBACK Points faster on one account. To get the complete list of PAYBACK partners, please visit PAYBACK.in

To merge, please call PAYBACK Contact Centre at 1860-258-5000 (call charges apply)

1. The PAYBACK Card is your membership card to the PAYBACK loyalty programme.
2. It uniquely identifies every member with his/her membership number.
3. It is not a payment instrument like a Credit Card.
4. It also enables you to earn points from other PAYBACK partner brands.

Once PAYBACK membership is issued to an individual the same cannot be transferred to anyone.

Both PAYBACK and i-mint Cards have a lifetime validity.

You should register your PAYBACK Card to avail all the benefits of the programme. Once registered, you will be able to check your points balance and redeem your PAYBACK Points for multiple rewards.

i-mint Cards are no longer in use. Your i-mint card number is now a PAYBACK Card number. You can now use your Linked Mobile number to earn and redeem points at PAYBACK Partners. You do not need to use a card anymore. To link your Mobile Number, please visit the profile section on payback.in

Please write to membercare@payback.in from your registered email ID or contact the PAYBACK Customer Centre at 1860-258-5000 (call charges apply) from 10:00 a.m. to 09:00 p.m. from your Linked Mobile Number and quote the PAYBACK Card Number.

To merge, please call PAYBACK Contact Centre at 1860-258-5000 (call charges apply)

You may update your information through any of the following channels:

1. Register yourself on the PAYBACK website and get access to update your information instantly.
2. You may also call the PAYBACK Contact Centre at 1860-258-5000 (call charges apply) and place a request for updating your information. Your information will be updated within 2 working days.

Once PAYBACK membership is issued to an individual the same cannot be transferred to anyone.

The online account allows you to do the following:

1. View and manage your PAYBACK Points
2. View and edit your personal details
3. Access the PAYBACK Rewards Catalogue and place your redemption order online
4. Contact PAYBACK directly via the PAYBACK website
5. Shop with PAYBACK Online partner brands directly from the PAYBACK website
6. Learn all about the latest promotions that PAYBACK has to offer you

You should register your PAYBACK Card to avail all the benefits of the programme. Once registered, you will be able to check your points balance and redeem your PAYBACK Points for multiple rewards.

PAYBACK commits to always delivering the right product. In the unlikely event that this happens, please call the PAYBACK Contact Centre at 1860-258-5000 (call charges apply) within 7 days from the receipt of the product and PAYBACK will ship the right product to your billing address.

PAYBACK endeavours to ensure that the products ordered reach your registered billing address within 10 working days unless the delay is due to conditions beyond our control or unless otherwise specified.

The product is shipped to your mailing address free of cost. There is no need to pay any charges for the product at the time of the delivery. If you are asked to pay any extra charges, please do not accept the product and call the PAYBACK Contact Centre at 1860-258-5000 (call charges apply).

You may update your information through any of the following channels:

1. Register yourself on the PAYBACK website and get access to update your information instantly.
2. You may also call the PAYBACK Contact Centre at 1860-258-5000 (call charges apply) and place a request for updating your information. Your information will be updated within 2 working days.

It is important that we ensure the financial security of our family in case of an unfortunate event like death of the income earning member of the family. We need to ensure that even in the absence of the income earner, the family is able tide over the financial stress and emergencies caused due the loss of the earning member which can be compensated to a large extent if the Life Assured has taken adequate Life Insurance Cover. Also in case one is not able to provide for one’s family in case a major illness strikes, family will be protected against the income shock arising out of expenses incurred on the treatment.

You can take a cover of at least 15 times your annual income. You can get a life insurance cover basis your annual income at nominal premium rates. For self-employed individual income surrogates will be ITR of 3 years, for agriculturists Mandi receipt will act as income surrogates.

Having a life insurance plan with adequate cover is a recommended way to safeguard your loved ones. With growing dependents in the family your responsibility towards protecting them would also increase, hence it is advisable to have an insurance cover which matches with your responsibilities. Hence it is recommended that one should revisit the life insurance cover according the rising financial income and need of the family.