Flexi Cash


Manage immediate cash requirements, unplanned or recurring expenses immediately.

Flexicash benefits that fit well into your financial life

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A complete 360-degree banking solution for millennials.

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Facility offered to existing ICICI Bank Salary Account Customers maintaining Primary relationship with the bank.

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Pre-approved and existing customers can avail of a line of credit/overdraft facility digitally without paperwork.

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Interest payable only on the amount utilised and for the period it is used.

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Customers have the flexibility to clear the outstanding limit at their convenience, only interest due is to be paid every month.

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Process for enhancement and renewal of overdraft limit is automated.

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Facility can be closed at customer’s convenience without any pre-closure charges.

How to avail of the facility?

By checking the Offers section on Internet Banking.

Visiting the Flexicash product page at


What is FlexiCash?

ICICI Bank customers are selected basis their banking relationship with us, in addition to other parameters, and offered a pre-approved overdraft limit on their Salary Account. This limit can be utilised from Salary Account to honour cheques/ EMI at ATMs and Point of Sale (POS).

How do I approach ICICI Bank to avail of my pre-approved Flexicash offer?

You may approach ICICI Bank through Internet Banking or iMobile.

Log in to, you can view the pre-approved offers for Flexicash, click to apply.

How do I repay the FlexiCash?

The amount payable will be auto-swept as and when sufficient balance is available in your Salary Account.

Do I have to pay any additional charges for Flexicash?

A processing fee is levied on the overdraft limit, basis the defined pricing matrix followed by the Bank. An amount equal to processing fee will be due in the first month

What are the tenure options for Flexicash?

Flexicash can be availed for a period of 12 months, post which the facility will be auto renewed if it meets Bank’s norms, unless the customer gives closure request.

Can I foreclose or prepay my Flexicash?

Yes, by clearing all outstanding dues and submitting a request at any Asset Servicing Branch of ICICI Bank.

How will the interest be calculated?

Flexicash comes with a fixed rate of interest that is calculated on a daily reducing balance. The interest is charged only on the amount you use and the period for which you use it. In case there is no usage of the funds, there will be no interest payable. Click here to know more.

What are the documents required to apply for Flexicash by a non pre-approved customer?

KYC and income documents are required in case you do not have a pre-approved Flexicash offer.

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