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 Rs. 100 spent

Spend CategoryPAYBACK points on the
ICICI Bank Sapphiro Mastercard
Credit Card
(per ₹ 100 spent)
PAYBACK points on the
ICICI Bank Sapphiro Platinum
American Express® Credit Card
(per ₹ 100 spent)
Domestic spends
(except fuel)
2 3
International spends 4 6


  • Under the new Milestone Rewards program, get 4,000 PAYBACK points on spending Rs. 4,00,000 on your card and 2,000 PAYBACK points each time you cross Rs. 1,00,000 spend thereafter in an anniversary year; maximum of 20,000 PAYBACK points per year.
  • Get 1 PAYBACK point on every Rs. 100 spent on fuel, utilities and insurance categories.
  • Earn 50% more rewards on your ICICI Bank Sapphiro American Express® Credit Card.

Rewards that please

When it's time to redeem your PAYBACK points, we have ensured a worthy selection of rewards for you to choose from.


Merchandise Gift vouchers  Air miles Convert to cash
Tag Heuer Debenhams Jet Airways Each reward point is equivalent to ₹ 0.25
Tommy Hilfiger Nautica Miles and More  
Canon Jack and Jones    
Dunhill Taj Group and more    
Apple and more      

To redeem your PAYBACK points:

To redeem your PAYBACK points in cashTo 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


**Rewards are subject to availability


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