Most Important Terms and Conditions (MITC)

To get the complete version of the Credit Card Terms and Conditions, please visit www.icicibank.com

(a) Schedule of Fees and Charges:

1. Joining Fees, Annual Fees and Supplementary Card Fees:

ICICI Bank Card Variant

Joining Fee (1syearRs

Annual Fee (1st year) Rs

Annual Fee (2nd year onwards) Rs

Supplementary Card Fee (Annually) Rs

Minimum Spends for Annual fee reversal* Rs

ICICI Bank Sapphiro Credit Card

6,500

Nil

3,500

Nil

6,00,000*

ICICI Bank Sapphiro Visa Credit Card

6,000

Nil

3,500

Nil

6,00,000*

ICICI Bank Signature Credit Card

25,000

Nil

2,000

Nil

NA

ICICI Bank British Airways Premium Credit Card Account

Nil

7,000

7,000

Nil

NA

ICICI Bank British Airways Classic Credit Card Account

Nil

3,500

3,500

Nil

NA

ICICI Bank Rubyx Credit Card

3,000

Nil

2,000

Nil

3,00,000*

ICICI Bank Rubyx Visa Credit Card

3,000

Nil

2,000

Nil

3,00,000*

Jet Airways ICICI Bank Sapphiro American Express Credit Card

5,000

Nil

5,000

250

NA

Jet Airways ICICI Bank Sapphiro Visa Credit Card

5,000

Nil

5,000

250

NA

Jet Airways ICICI Bank Rubyx American Express Credit Card

2,500

Nil

2,500

250

NA

Jet Airways ICICI Bank Rubyx Visa Credit Card

2,500

Nil

2,500

250

NA

Jet Airways ICICI Bank Coral American Express Credit Card

1,250

Nil

1,250

250

NA

Jet Airways ICICI Bank Coral Visa Credit Card

1,250

Nil

1,250

250

NA

Ferrari Signature Credit Card by ICICI Bank

3,999

Nil

999

Nil

2,50,000*

Ferrari Platinum Credit Card by ICICI Bank

499

Nil

499

Nil

1,25,000*

ICICI Bank Ascent American Express (R) Credit Card

4,000

Nil

1,000

Nil

NA

ICICI Bank Platinum Identity Credit Card

2,000

Nil

750

Nil

NA

ICICI Bank Coral Credit Card

500

Nil

500

Nil

1,50,000*

ICICI Bank Coral American Express Credit Card

500

Nil

500

Nil

1,50,000*

ICICI Bank Carbon

1,000

Nil

Nil

Nil

NA

ICICI Bank HPCL Platinum Credit Card / ICICI Bank HPCL Titanium Credit Card / ICICI Bank HPCL Coral Credit Card

199

Nil

199

Nil

50,000*

ICICI Bank Platinum Chip Credit Card

199

Nil

99

Nil

50,000*

ICICI Bank Card Variant

Joining Fee (1st year) RsAnnual Fee (1st year) RsAnnual Fee (2nd year onwards) RsSupplementary Card Fee (One time) RsMinimum Spends for Annual fee reversal* Rs

ICICI Bank Expressions Credit card

499

Nil

499

199

1,50,000*

ICICI Bank Unifare Credit Card

299

Nil

299

299

50,000*

MakeMyTrip ICICI Bank Platinum Credit Card

500

Nil

Nil

250

NA

MakeMyTrip ICICI Bank Signature Credit Card

2,500

Nil

Nil

250

NA

Manchester United Signature Credit Card by ICICI Bank

2,499

Nil

2,499

100

2,50,000*

Manchester United Platinum Credit Card by ICICI Bank

499

Nil

499

100

1,25,000*

*If total spends on the Credit Card is equal to or more than this amount during an anniversary year, the Annual Fee applicable on the Credit Card for the subsequent year shall be reversed. If total spends on the Credit Card is less than this amount during an anniversary year, the Annual Fee applicable on the Credit Card for the subsequent year shall not get reversed. Spends through EMI transactions on Credit Card are not included in total spends calculation.

For ICICI Bank Emeralde Credit Card:

1. a) Monthly Fees:

ICICI Bank Card VariantMonthly Fee (in Rs)Supplementary Card Fee (in Rs)Minimum Spends for Monthly fee reversal (in Rs)*

ICICI Bank Emeralde Credit Card

1,000

Nil

1,00,000

*If the total spends on the Credit Card were equal to or more than this amount during the previous month, the Monthly Fee applicable on the Credit Card for the subsequent month shall be reversed. If the total spends on the Credit Card were less than this amount during the previous month, the Monthly Fee applicable on the Credit Card for the subsequent month shall not get reversed. Spends through Equated Monthly Instalment (EMI) transactions on Credit Card are not included in total spends calculation.

(b) Annual Fees:

ICICI Bank Card VariantJoining Fee (1st year) RsAnnual Fee(1st year) RsAnnual Fee (2nd year onwards) RsSupplementary Card Fee (Annually) RsMinimum Spends for Annual fee reversal*Rs

ICICI Bank Emeralde Credit Card

12,000

Nil

12,000

Nil

15,00,000*

*If total spends on the Credit Card is equal to or more than this amount during an anniversary year, the Annual Fee applicable on the Credit Card for the subsequent year shall be reversed. If total spends on the Credit Card is less than this amount during an anniversary year, the Annual Fee applicable on the Credit Card for the subsequent year shall not get reversed. Spends through EMI transactions on Credit Card are not included in total spends calculation.

For all other cards, joining fees, annual fees and supplementary card fees are currently NIL for the Primary Card Member as well as for the Supplementary Card Member.

2. Finance Charges:

ICICI Bank Card Variant

Overdue Interest on Extended Credit

Interest on Cash Advances

Monthly Rate Annual Rate Monthly Rate Annual Rate

All Cards except for the cards mentioned below

3.40%

40.80%

3.40%

40.80 %

ICICI Bank Instant Platinum Credit Card / ICICI Bank Instant Gold Credit Card Fixed Deposit Instant Credit Card

2.49%

29.88%

2.49%

29.88 %

Jet Airways ICICI Bank Credit Cards / MakeMyTrip ICICI Bank Credit Cards

3.50%

42%

3.50%

42%

Manchester United Credit Cards by ICICI Bank

3.67%

44%

3.67%

44%

ICICI Bank Emeralde Credit Card

3.4%

40.80%

1.99%

23.88%

3. Other Fees and Charges:

JPMiles Uncapping Fee

Rs7500 ##

Duplicate statement request (beyond 3 months)

Rs100

Card replacement fee

Rs100 (Rs199 for ICICI Bank Expressions Credit Card)

Cheque / Cash pick-up fee

Rs100 per pick-up

Charge slip request

Rs100 per charge slip

Foreign currency transactions**

Mark-up of 3.50%###

On ICICI Bank Emeralde Credit Card: Mark-up of 1.5%

Cash advance – transaction fee

On all Cards - 2.50% on advanced amount, subject to minimum of Rs.300 except for the following cards:

On ICICI Bank Emeralde Credit Card-

1) 1.99% on advanced amount, subject to minimum of Rs.300.

2) Withdrawal fee is Nil.

On Easy Deposit Card – Nil for cash withdrawals at ICICI Bank ATMs

On Cash Card - Rs.151 per transaction.

Redemption Handling Fee

A Redemption Handling Fee plus Goods and Services Tax (GST) will be charged towards handling and delivery on every redemption request for reward points earned on ICICI Bank Credit Cards.

Reward Scheme Redemption Handling Fee

Hand-picked Rewards Scheme

Rs99

ICICI Bank Rewards Scheme

Rs99

For ICICI Bank Rewards powered by PAYBACK Rewards scheme

Redemption Category Redemption Handling Fee

Catalogue Based Redemptions

Rs99

Online and in-store redemptions at PAYBACK Online Partner Brands

Rs25

Dial-a-draft – transaction fee

3% of the draft value amount subject to a minimum fee of Rs.300

Late payment charges (excluding ICICI Bank Emeralde Credit Card)

The Late Payment charges on your card will be a function of the Total Amount Due and will be as follows:

Total Amount Due Late Payment Charges

Less than Rs.100

None

Between Rs.100 - Rs.500

Rs100

Between Rs.501 - Rs.10,000

Rs500

More than Rs.10,000

Rs750

Note: Late payment charges on ICICI Bank Emeralde Credit Card is Nil

Over-limit charges* (excluding ICICI Bank Emeralde Credit Card)

2.50% on the over-limit amount (subject to a minimum of Rs.500) except for the following cards: ICICI Bank Emeralde Credit Card: Nil

Return of cheque

2% of Total Amount Due (Min. Rs.450) #

Auto-Debit return fee

2% of Total Amount Due (Min. Rs.450) #

Fee on cash payment at branches

Rs100 per payment transaction

Outstation cheque processing fee

1% of the cheque value, subject to a minimum of Rs.100

Railway booking – surcharge

1.80% of transaction value for Internet transactions and 2.50% for other bookings. Cost of railway tickets will be recovered along with charges and taxes levied if any by the acquiring bank at actual. For cards on American Express network: 1.80% of transaction value or Rs.10 whichever is higher.

Fuel surcharge

1% of transaction value or Rs.10 whichever is higher. Surcharge waiver of 1% of transaction value on HPCL petrol pumps on select cards (this offer is valid on a maximum transaction of Rs.4,000, when the payment is made by swiping the card on ICICI Merchant Services swipe machines). Surcharge waiver of 1% of transaction value on all petrol pumps on select cards. Cost of fuel will be recovered along with charges and taxes levied if any by the acquiring bank at actual. On fuel purchase at Offus terminals and non HPCL outlets, the surcharge reversal will not include Goods and Service tax

Goods and Services Tax (GST)

Effective 01 July 2017, the Goods and Services Tax (GST) will be applicable instead of Service Tax. GST may be applicable from time-to-time, presently the GST rate for banking and financial services is at 18% (applicable on all fees, interest, surcharge and other charges).

*Over-Limit Fee: Bank may approve certain transactions attempted by the Card Member which can breach the credit limit, as a service gesture. Please note that if the outstanding amount exceeds the credit limit, an over-limit fee of 2.5% of the over-limit amount (subject to a minimum of Rs.500) will be levied. Over-limit status may also happen because of fees or interest charges. Note: On ICICI Bank Emeralde Credit Card, no over-limit fee will be levied.

**Charges in foreign currency: If a transaction is made in a currency other than Indian Rupees, that transaction will be converted into Indian Rupees. The conversion will take place on the date the transaction is settled with ICICI Bank, which may not be the same date on which the transaction was made. If the transaction is not in US Dollars, the conversion will be made through US Dollars, by converting the charged amount into US Dollars and then by converting the US Dollar amount into Indian Rupees.

Unless a specific rate is required by applicable law, the conversion rate from US Dollar to Indian Rupees will be at the rates provided by VISA, MasterCard or AMEX, as the case may be, on the\ settlement date, increased by a Currency Conversion Factor assessment (currently 3.50%) on such transactions.

#In addition Rs.50+GST will be debited from customer’s saving bank account.

## For Jet Airways ICICI Bank Credit Cards (Jet Airways ICICI Bank Coral Credit Cards, Jet Airways ICICI Bank Rubyx Credit Cards and Jet Airways ICICI Bank Sapphiro Credit Cards) the\ Card Member can earn JPMiles on valid Credit Card spends. Such earnings will be capped at 40,000 JPMiles for Jet Airways ICICI Bank Coral Credit Cards and Jet Airways ICICI Bank Rubyx Credit Cards and at 60,000 JPMiles for Jet Airways ICICI Bank Sapphiro Credit Cards every anniversary year. An anniversary year shall mean one year from date on which the first Jet Airways ICICI Bank Credit Card is issued to the Card Member.

A JPMiles uncapping fee of Rs.7,500 (“Uncapping Fee”) will be levied each anniversary year once the JPMiles cap as specified above is reached by the Card member in that year. The Card Member will have to pay this Uncapping Fee before he/she can accumulate further JPMiles in that anniversary year. The JPMiles cap will be reset at the beginning of every anniversary year.

###For American Express Cards: 3.5%, out of which 1.5% will be retained by American Express.

4. Interest Charges:

1) Interest will be charged if the Total Amount Due is not paid by the payment due date. Interest will be charged on the Total Amount Due and on all new transactions (from the transaction date) till such time as the previous outstanding amounts are paid in full. Also, interest will be levied on all cash advances from the date of the transaction until the date of payment.

2) The rate of interest may be changed at the sole discretion of ICICI Bank. It can be as low as 1.25% per month (15% per annum) depending on factors such as, but not limited to, credit history, purchase patterns, payment behaviour, loyalty and month-onbook.

3) In case of default, interest charges may increase up to a maximum of 3.67% per month (44% per annum).

The following illustration will indicate the method of calculating interest charges:

In the table given below, it has been assumed that the Total Amount Due of the previous month statement has been paid by the payment due date and there is no outstanding amount. The statement date is 15th of every month. Given these assumptions, interest will be calculated as below:

Transaction

Rs

Purchase on April 10, 2009

2,000

Total Amount Due on statement dated April 15, 2009

2,000

Minimum Amount Due on statement dated April 15, 2009

100

Payment due date - May 3, 2009

Purchase on May 7, 2009

800

Payment on May 10, 2009

1,500

On statement dated May 15, 2009, following interest charges will be levied:
Interest calculations @ 40.80% per annum for Gold Card

a) Interest on Rs.2000 for 30 days (from April 10 to May 9)

67.07

b) Interest on Rs.500 for 6 days (from May 10 to May 15)

3.35

c) Interest on Rs.800 for 9 days (from May 7 to May 15)

8.05

Total interest charged in the statement dated 15th May

78.47

GST will be applicable on interest charges.

5. Late Payment Charges (LPC):

Late payment charges will be applicable if the Minimum Amount Due is not paid by the payment due date.

Illustrative Example for Calculation of Late Payment Charges:

Payment of at least Minimum Amount Due i.e. Rs.100 in the above example, is required to be paid by the payment due date (3rd May), to ensure that no late payment charges are levied. If minimum amount due is not paid, late payment charges would be levied as per the below table:

Total Amount DueLate Payment Charges

Less than Rs.100

None

Between Rs.100 - Rs.500

Rs100

Between Rs.501 - Rs.10,000

Rs500

More than Rs.10,000

Rs750

Thus, in the above example, since the minimum amount due of Rs.100 is not paid by the payment due date of May 3, 2009 and since Total Amount Due was Rs.2000, late payment charges of Rs.500 will be levied on 4th May, 2009. This charge will also be applicable if you make a payment of less than the minimum amount due by the payment due date. GST will be applicable on late payment charges.

Note: Late payment charges on ICICI Bank Emeralde Credit Card is Nil.

6. Interest- Free (Grace) Period:

The grace period could range from 18 to 48 days.

Illustrative Example for the calculation of grace period: For a statement for the period from April 15, 2009 to May 15, 2009 the payment due date would be June 2, 2009. Assuming that you have paid your Total Amount Due of the previous month statement by the payment due date, the grace period would be:

(1) For a purchase dated April 24, 2009, the interest-free grace period is from April 24, 2009 to June 2, 2009, i.e. 40 days.

(2) For a purchase dated May 14, 2009, the interest-free grace period is from May 14, 2009 to June 2, 2009, i.e. 20 days.

Thus, the grace period can vary depending upon the date of purchase. However, if the Total Amount Due is not paid by the payment due date, then there will be no interest free period. For cash advances, interest is charged from the date of the transaction until the date of payment.

(b) Withdrawal Limits: The Credit Limit and Cash Withdrawal Limit are communicated at the time of delivery of the Card and are also indicated in the monthly statements. Available credit limit is calculated by deducting the utilised limit from the Total Credit Limit. In case the Card Member has availed of any loan within the credit limit on the card, the outstanding loan amount will also be deducted from the Total Credit Limit to arrive at the Available Credit limit.

Cash limit will be a sub-set of credit limit and will be NIL for the first one hundred and eighty (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.

The Card Member shall be entitled to apply for a review / enhancement / reduction of the credit limit and/or cash limit if provided by ICICI Bank, upon completion of 12 months of his membership. Alterations upon such review, if any, of the credit limit and/or cash limit will be at the sole discretion of ICICI Bank. ICICI Bank shall at its sole discretion be entitled to review (including enhancement or reduction) the credit limit and/or the cash limit assigned on the Card at any time and only enhancements, if any, to the credit limit and/or the cash limit, shall be effected by ICICI Bank along with the consent of the Card Member.

(c) Billing:

1) Billing Statements – periodicity and mode of sending: All Card Member will be billed on a monthly basis for all charges incurred by the use of the Card and for all charges applicable to the card account. However, there may be no statement generated for the period in which there has been no outstanding due and no transaction on the account in the past month. The billing statement will be dispatched on a monthly basis to customers at the mailing address as per our records by post and/or by e-mail.

2) Minimum Amount Payable: Without prejudice to the liability of the Card Member to immediately pay all charges incurred, the Card Member may exercise the option to pay only the Minimum Amount Due (MAD) indicated in the statement by the due date. The Minimum Amount Due shall be 5% of the outstanding amount or such other amount as may be determined by ICICI Bank at its sole discretion. In case of any repayment through installments, the installment amount due during the statement period will be added to the Minimum Amount Due. If the total outstanding is more than the credit or cash limit, then the amount by which the credit or cash limit has been exceeded will also be included in the Minimum Amount Due. Minimum Amount Due shall also include unpaid Minimum Amount Due of the previous statements, if any. Interest will be charged if the Total Amount Due is not paid by the payment due date even if the Minimum Amount Due has been paid.

If customer has registered for Auto Debit facility towards Credit Card repayment and has selected Minimum Amount Due option then the same will be executed on the due date provided no amount is paid by the customer before due date. If customer has paid an amount less than Minimum Amount Due before due date then differential amount would be debited. If customer has paid an amount which is equal to or more than Minimum Amount Due before due date then no additional amount will be debited from customer’s liability account.

If you spend Rs.5,000 and pay back exactly the Minimum Amount Due (subject to a minimum payment of Rs.100) every month, it will take you up to 6 years and 6 months to pay back the total amount. We therefore suggest that whenever your cash flows allow, pay back an amount substantially more than your Minimum Amount Due.

No merchant refund/cashback/credit due to transactions converted to EMI / cancelled transactions / reversals / promotional cashback will be considered as a payment towards the outstanding of the card.

In case card member makes an excess payment compared to the outstanding of the card, there will be credit balance in the card account. This will be adjusted against the subsequent transactions on the card. However, no interest can be claimed on this excess credit amount.

3) Method of payment: Payments towards the Card Account may be made in any of the following ways:

Cash: The Card Member may deposit cash at any of the branches of ICICI Bank towards the Card payment. Such payments at branches would attract a fee of Rs.100 per payment transaction.

Cheque/Draft: Make a cheque or draft favouring ICICI Bank Credit Card No. XXXX XXXX XXXX XXXX and drop it into the collection box at any ICICI Bank branch / Skypak drop boxes / ATM locations where drop boxes are available. If customer has made the payment towards the Credit Card dues by cheque then Credit limit equal to cheque amount will be released only post realisation of the cheque.

Internet: If the Card Member holds a Savings Account with ICICI Bank he or she may pay online through the ICICI Bank’s website. Just log on to www.icicibank.com.

Auto-Debit: If the Card Member holds a Savings Account with ICICI Bank, he/she may pay directly through the Savings Account by giving an instruction in writing to debit the payment from such account every month on the payment due date. In case the payment due date falls on a Sunday, the amount would be debited from such account on the next day.

Click to Pay/NEFT: Pay your ICICI Bank Credit Card dues from any of your other bank Savings Accounts using Click To Pay/NEFT.

4) Billing Disputes Resolution: In the event the Card Member disagrees with the charges indicated in the statement, it should be communicated in writing to the correspondence address of ICICI Bank within 60 (sixty) days of receipt of the statement, failing which it would be construed that all charges indicated in the statement are in order.

5) Contact Details of ICICI Bank Customer Care Centre: The Card Member may contact ICICI Bank at the below mentioned Customer Care number as may be notified by ICICI Bank from time- to-time. Toll Free Customer Care Number India: 1860 120 7777

6) Grievances Redressal/Complaints/Escalations: In the event that you are not satisfied with our services, you may register your grievance by (i) visiting “Complaint Form” at www.icicibank.com or (ii) calling at our Customer Care number or (iii) writing to Mr. Vinayak More, Nodal Officer, ICICI Bank Limited, ICICI Phone Banking Center, ICICI Bank Tower, 7th floor, Survey no: 115/27, Plot no. 12, Nanakramguda, Serilingampally, Hyderabad – 500032, India. In all your communications with us, please indicate your complete Credit Card number.

7) Complete Postal Address of the Bank: ICICI Bank Limited, ICICI Phone Banking Center, ICICI Bank Tower, 7th floor, Survey no: 115/27, Plot no. 12, Nanakramguda, Serilingampally, Hyderabad – 500032, India.

8) Toll-free Number for Grievance Redressal: In the event you are not satisfied with our services, you may register your grievance by dialing our toll-free number 1800 102 4242 between 9 a.m. to 6 p.m. from Monday to Friday, press 1 and then enter the Service Request Number (numeric digits only) which should not be more than 2 months old.

d) Default and Circumstances:

  1. If the Card Member fails to pay the Minimum Amount Due by the date indicated in the billing statement, it shall be treated as default. In case of default, the Bank can forward the default report to the Credit Information Bureaus or to such other agencies as approved by law. The time period between the payment due date and the billing date indicated on the billing statement is considered as the notice period for reporting a Card Member as a defaulter. Terms and Conditions governing Credit Card Facilities shall be applicable to the Supplementary Card Holders as well.
  2. Procedure for withdrawal of default report and the period within which the default report would be withdrawn after settlement of dues: *The Bank submits the Card Member’s data to CIBIL - Credit Information Bureau (India) Limited every month in the format prescribed by CIBIL. This data includes the repayment status of all Cardholders, both defaulters and current, for the previous month. CIBIL uploads the submitted data onto their server in another thirty days.
  3. Recovery of dues in case of death/permanent in capacitance of the Card Member: It shall be in accordance with the applicable laws after giving sufficient notice for payment of dues and all information regarding the outstanding dues, to the successors/nominees /legal heirs of the Card Member.
  4. ICICI Bank offers free insurance cover on certain cards through a tie up with ICICI Lombard General Insurance Company Limited or any other Insurance Company as may be decided by ICICI Bank from time to time. For insurance details, cardholders are advised to go through the brochure in the welcome kit or refer to www.icicibank.com.

(e) Termination/Revocation/Surrender of Card membership:

The Card Member may at any time choose to terminate the Card Account with or without giving any prior notice. For avoiding misuse, it is advised to cut the Credit Card into four pieces ensuring that the hologram and magnetic strip are destroyed permanently. The Card Member may terminate the Card membership at any time by writing to “ICICI Bank Limited,

ICICI Phone Banking Center, ICICI Bank Tower, 7th floor, Survey no: 115/27, Plot no. 12, Nanakramguda, Serilingampally, Hyderabad – 500032, India” by indicating the complete Card number. The termination shall only be effective once ICICI Bank receives the payment of all amounts due and outstanding in respect of the said Card Account.

In the event of a credit card program closure or at the time of renewal of credit card, ICICI Bank Limited at its sole discretion reserves the right to provide a card type that is different from the existing card type held by the card member. The credit limits and cash limits on any credit card at any point in time are as per sole discretion of ICICI Bank Limited.

The card application shall continue to be valid for any replacement card provided at the time of closure/renewal.

(f) Loss/Theft/Misuse of Card:

In case of loss/theft/misuse of the Card, it must be reported immediately to ICICI Bank either through the Customer Care or Simply SMS CCBLK <last four digits of your card> to 5676766 from your registered mobile number only. The Bank shall thereupon suspend the Card. The Card Member is advised to file an FIR with the local police station so that the Card Member can produce its copy whenever requested by the Bank. The Card Member shall be primarily responsible for the security of the Card including theft and for the transactions using the Card. The Card Member shall not be liable for any transaction/s made on the Card post reporting its loss/theft/damage. However, in case of any dispute relating to the time of reporting such loss/ theft/damage and/or transactions made on the Card post reporting of the loss/theft/damage/ misuse, the Bank reserves the right to ascertain such time and or the authenticity of the disputed transactions.

ICICI Bank reserves the right to block the Credit Card on suspected risk of compromise in order to protect the interest of the Card Member and to avoid misuse in any manner on the Card Account. The Card Member shall not be able to use the blocked Card for any transaction/s and shall receive a replacement Card within 7 (seven) working days. In the event, the Card Member, after being informed by ICICI Bank of the probable fraud risk, still requests to unblock the Card, ICICI Bank shall not stand liable or responsible in any manner for any fraudulent transactions reported to it thereafter on account of fraudulent usage of the Card or otherwise.

(g) Disclosure:

The Bank shall part with all available information about the Card Member, repayment history etc. to Credit Information Bureaus or to such other agencies approved by law. ICICI Bank/Group Companies reserve the right to retain the application forms and documents provided therewith, including photographs, and will not return the same.

Disclaimer:

*ICICI Bank may at its sole discretion, utilise the services of external service provider/s or agent/s and on such terms as required or necessary, in relation to its products.