Powerful Rewards Plan

Powerful Rewards Plan

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 bonus rewards of up to 6 PAYBACK points on every ₹ 100 spent

Spend CategoryPAYBACK points on the ICICI Bank Rubyx Mastercard Credit Card (per Rs. 100 spent)PAYBACK points on the ICICI Bank Rubyx Platinum American Express® Credit Card (per Rs. 100 spent)
Domestic spends (except fuel) 2 3
International spends 4 6
  • Under the new ICICI Bank Milestone Rewards program, get 3,000 PAYBACK points on spending Rs. 3,00,000 on your card and 1,500 PAYBACK points each time you cross Rs. 1,00,000 spend thereafter in an anniversary year; maximum of 15,000 PAYBACK points per year
  • Get one PAYBACK point on every Rs. 100 spent on utilities and insurance categories
  • Earn 50% more rewards on the ICICI Bank Rubyx American Express Credit Card
  • Redeem the rewards for an exciting selection of gifts or cash. Each reward point is equivalent to Rs. 0.25 when redeemed for cash

To redeem your PAYBACK points:


To redeem your PAYBACK points in cash:To redeem your PAYBACK points for gifts:
Each PAYBACK point is equivalent to Rs. 0.25. Please call on 080-40146444* to redeem. The equivalent cash amount will be credited to your credit card account within 7 working days. Please call PAYBACK on 1860-258-5000*, or place an online request for redemption at www.payback.in. You will receive the gift of your choice within 10 working days.


*Standard call charges apply

American Express is a trademark of American Express. This card has been issued by ICICI Bank pursuant to a license from American Express.