Credit Cards

Increasing the credit limit on your ICICI Bank Credit Card is a simple process. You can follow any one of the methods explained below to enhance your credit limit:

• Option 1: Simply SMS the following to 5676766.

SMS Text: CRLIM(space)last four digits of your credit card

Example: CRLIM 1234

If you are an eligible cardholder, your credit limit will be increased to the maximum available level.

• Option 2: Log in to iMobile app and go to the section titled ‘Cards.’ Click on your credit card number and select the ‘Manage Limit’ option. Then, choose the ‘Desired Credit Limit’ option.
• Option 3: Log in to our internet banking portal and click on the relevant credit card account. Then, select the ‘Manage Credit Limit’ option. Then, choose the ‘Desired Credit Limit’ option.
• Option 4: Call on our customer care number which is printed at the back of the credit card.

You can apply for an increase in the credit limit only when you have completed 12 months of your membership.

The term ‘Minimum Amount Due’ (MAD) refers to the minimum portion of the total outstanding liability on your card. You need to pay the MAD by the due date to avoid any charges for late payment of the remaining outstanding amount.

The ICICI Bank Credit Card that we deliver to you is already activated for use. You can readily use it to carry out domestic and international transactions.

The cash limit on your credit card refers to the maximum amount of cash that you can withdraw using your card from an ATM or over the counter at any branch of ICICI Bank. You can avail this facility on select cards, as specified by us, after the expiry of 180 days from the date of issuance of the card. After this period, if your card is eligible for this facility, we will inform you about the cash limit and the accompanying terms, if any, as per our discretion.

If you have applied for an ICICI Bank Credit Card through our website, you can track the status of your application using your application reference number by clicking the following link.

https://loan.icicibank.com/asset-portal/my-applications-login

You can use the iMobile app to know the current billing cycle for your credit card account. Log in to your account on the app and click on the section titled ‘Cards.’ Click on your credit card number and select the ‘Manage Card’ option. Then, choose the ‘View & Manage Billing Cycle’ option.

You may call our customer care number to cancel your credit card account.

When you use your debit card, the amount charged for your transaction is deducted from the balance in the savings account linked with your card. On the other hand, you can do a transaction up to a limit assigned through your credit card. You will be billed for it at a later date.

Yes, delays in repayments are likely to impact your credit score adversely. This is because banks are required to report the status of repayment of Equated Monthly Instalments (EMIs) and credit card bills of all customers to credit information bureaus on a monthly basis. Before issuing a credit card or a loan to a customer, various lending institutions refer to the information provided by these credit bureaus to get an idea of the customer's track record. So, if you have a clean record of prompt repayments, your credit score will be favourable.