Savings and Benefits



PAYBACK is India's largest multi-brand loyalty programme. Your ICICI Bank Credit Card entitles you to earn PAYBACK Points on your transactions.


You not only earn PAYBACK points when you use your ICICI Bank Credit Card, but also earn additional points from PAYBACK partner brands for the same purchase. PAYBACK partner brands include Big Bazaar and HPCL among others, comprising of over 3,000 outlets and more than 50 online partners.


PAYBACK points can be redeemed for over 600 unique rewards from the PAYBACK catalogue, in-store or online at a PAYBACK partner brand. With your ICICI Bank Credit Card and PAYBACK, shopping is truly rewarding!

  • Earn 2 PAYBACK points on every Rs. 100 spent on your card (except fuel).
  • Earn 3 PAYBACK points on every Rs. 100 spent on online transactions.
  • Earn 1 PAYBACK point on every Rs.100 spent on utilities and insurance categories.
  • Under the ICICI Bank Milestone Rewards programme, get 2000 PAYBACK points on spending Rs. 2,00,000 on your card and 1000 payback points each time you cross Rs. 1,00,000 spend thereafter in an anniversary year; maximum of 10,000 PAYBACK points per year

  • Buy 1 ticket and get the other ticket free any day of the week, through
  • Get up to 2 free tickets per month valued at up to Rs.250 per ticket.
  • Successful booking is on first come first serve basis and is subject to daily stock availability.
  • To book your movie ticket and for detailed Terms & Conditions, please click here.

  • Save a minimum of 15% on your dining bill at participating restaurants through the ICICI Bank Culinary Treats programme.
  • For more detail please visit
  • You can also download the ICICI Bank Culinary Treats mobile app from Apple iStore or Google Play.

Chip and Pin Security

Our Credit Cards come with an embedded microchip which provides additional security against counterfeiting and duplication of cards.

  • The new chip cards have an extra layer of security in the form of a Personal Identification Number (PIN)
  • You will be required to enter your PIN on the terminal for transactions at merchant outlets
  • To know more about Chip and PIN security, please click here
  • This PIN is not required for online transactions. Please register your card for 3D Secure (Verified by VISA / American Express SafeKey) on our website for online transactions

Savings on Fuel Transactions

Save 1% on fuel surcharge every time you refuel - The offer is valid on a maximum spend of ₹ 4000 per transaction at all HPCL pumps.