Show Hide
Internet Banking Login Apply Online Get In Touch

Poll         Stay Connected         Safe Banking

Offer Zone Rates & Charges
Rates & Charges
FD, RD & iWish
(390 days - 2 yrs)
6.75% Apply Now
Senior Citizens
(390 days - 2 yrs)
7.25% Apply Now
Home Loan
(Upto 30 lacs)
8.35*% Apply Now
Personal Loan
(Upto 20 lacs)
11.29*% Apply Now

More Rates       Service Charges & Fees 

Tools and Calculators

Flexible 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!

Choose from 3 different reward plans based on your likely spend categories

Grocery and Supermarkets Travel Portals Groceries
Retail Fashion Travel Agents Supermarkets
Departmental Stores Airlines Utilities/Bill Payments
Consumer Durables Car Rentals Healthcare (Hospitals)
Electronics Hotels Wellness (Spas)

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

 ICICI Bank Rubyx American Express® Credit CardICICI Bank Rubyx MasterCard Credit Card
Purchases as per selected reward plans (Shopping/Travel/Essentials) 6 4
Other Purchases 3 2
    • Earn 50% more rewards on the ICICI Bank Rubyx American Express Credit Card.
    • No rewards points will accrue on fuel transactions.
    • Redeem the rewards for an exciting selection of gifts or cash. Each reward point is equivalent to ₹ 0.25 when redeemed for cash.

      To redeem your PAYBACK points:

      • Redeem in cash - Call on 080-40146444. The equivalent amount will be credited to your account within 7 working days.
      • Redeem for rewards - Call the PAYBACK contact centre on 1860-258-5000 or place an online request for redemption on

      The reward of your choice will be delivered within 10 working days.


  • Enjoy the freedom to change the reward plan every 6 months as per your pattern of spending.

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