Credit Cards

• Login to your account with User ID and Password to view Credit Card statement.
• Important information for ICICI Bank Visa Signature Credit Card members on the priority pass benefit. For more details, please click here.
• With effect from June 12, 2014, a redemption handling fee + service tax will be levied for every rewards redemption request for reward points earned on ICICI Bank Credit Cards, Debit Cards or MySavingsRewards.
  For details, please click here
• With effect from December 01, 2016, Card Members holding ICICI Bank Instant Platinum Credit Card will earn 2 PAYBACK Reward points, instead of 3 PAYBACK Reward points on every ₹100 spent on all purchases, except fuel.

Option 1 - Log on the 3Dsecure section of www.icicibank.com

Step 1 - Visit https://www.3dsecure.icicibank.com

Step 2 - Enter ICICI Bank Credit Card number, valid from and date of birth

Option 2 - Real time OTP generation

A unique OTP is generated for every transaction. Hence, you will not be able to generate an OTP in advance using IVR OTP, OTP through SMS or IOTP. The OTP will be sent once the transaction is initiated.

For more details, click here

Register for Verified by Visa / MasterCard SecureCode

• FAQs
• Most important terms and conditions
• Terms and conditions
• Credit Limit Increase
• Terms and conditions for EMI on call
• Terms and conditions for instant EMI
• Terms and conditions for Personal Loan on Credit Card (PLCC)
• Terms and conditions relating to Aadhaar Updation
• Fair practice code
• Privacy policy
• Disclaimer

1. Know more about Chip and Pin security
2. Download digitised membership kits
3. American Express ezeClick
4. Important information regarding American Express lounge programme
5. Login for auto-debit facility and other requests
6. Know our key processes

The Cardholder can apply for an increase in the Credit Limit upon completion of 12 months of his/her membership. The Cardholder can follow the steps mentioned below for Credit Limit Enhancement:

• SMS CRLIM last 4 digits of Card to 5676766 for free increase in credit limit (will be increased to maximum available credit limit for eligible cardholders)
• Log in to iMobile app > Go to Cards > Click on your Credit Card Number > Manage Limit > Desired Credit Limit.
• Log in to Internet Banking > Credit Card Account > Manage Credit Limit
• Call our Customer Care.

Minimum Amount Due (MAD) is the minimum amount that the Cardholder needs to pay to the bank by the due date to keep his/her account regular and avoid payment of any late payment charges. Payment of MAD ensures that the Cardholder needs to pay only the interest on the total amount outstanding on his/her Credit Card.

The ICICI Bank Credit Card delivered to you is already activated for use on domestic and international transactions.

Cardholders can withdraw, either through an ATM or over the counter at a bank up to a certain limit, using their Credit Card. Cash limit is Nil for the first 180 days from the date of issuance of the Card, on select Cards as may be specified by ICICI Bank. After the expiry of the first 180 days period from the date of issuance of the Card, the cash limit will be made available to the Card Member by ICICI Bank at its sole discretion and on such terms as may be communicated by ICICI Bank from time-to-time.

If you have applied for an ICICI Bank Credit Card through the website, you can track the status of your application using your application reference number at https://loan.icicibank.com/asset-portal/my-applications-login

To know the current billing cycle for your Credit Card account, iMobile app users can log in and click on Cards > Your Credit Card number > Manage Card > Change Billing Cycle.

To cancel your Credit Card account, please call our Customer Care.

When you use your Debit Card, the transaction amount is deducted from your Savings Account linked with the Debit Card. When you use your Credit Card, the transaction amount is not deducted from the linked account.

Banks are required to report Loan Equated Monthly Instalment (EMI)/Credit Card bill repayment status of all customers to credit information bureaus on a monthly basis. Various lending institutions refer to the information provided by credit bureaus on the customer's track record, before issuing a Credit Card/loan to a customer. Delay in repayment may adversely impact your credit history.