ICICI Credit Card FAQ’s

Table of Contents

How to apply for Icici credit card ?

ICICI Bank features several credit cards of different categories for their users. several good credit cards like icici amazon pay credit card or icici rubyx credit card can earn you big benefits from your purchases. 

However, if you want to apply for icici bank credit card, then you can apply for it via ICICI Bank’s official website, ICICI Bank Mobile Application or you can go for the offline method. 

How to apply icici credit card via ICICI Bank Official Website 
  1. First of all, go to the ICICI Bank Official website www.icicibank.com 
  2. You will find the credit card option there. You can also see the icici credit card apply online option there. 
  3. Make a click on the button, and a new page will open for you where you need to provide some necessary information like your name, date of birth, mobile number, and your current address, etc. 
  4. Choose your employment type and your previous relation with ICICI Bank. If you don’t have any previous relationship with ICICI Bank, then you can leave it empty. 
  5. Select if you already have a credit card or not, accept all the terms and conditions, and click on the get offers button. 
  6. As you click on the button a new page will open for you, where you can see various types of icici credit card along with their benefits and charges. 
  7. Compare the cards and choose the best icici credit card for yourself. 
  8. Make a click on the apply now button, and a pop-up window will open for you where you can see the applicable icici credit card charges and interests. 
  9. Click on the Confirm button to continue. 
  10. A new page will open where you need to verify your details and fill up some necessary fields. You will also get an OTP on the provided mobile number, enter the same. 
  11. Select if you need any icici add on credit card or not. 
  12. Provide your address details and your employment details 
  13. The next step is to upload the documents required for icici credit card application. 
  14. If you are qualified for your selected icici credit card eligibility criteria the bank will contact you, and your credit card will be delivered to your address within 7 to 10 days. 
How to apply icici credit card online with the ICICI Mobile app 
  1. To apply for icici credit card via Mobile App, log in to your ICICI mobile application and tap on the Credit Card and Forex option that you can find in the middle of the screen. 
  2. Make a tap on the Avail Now option to get instant approval. 
  3. Choose the icici best credit card that suits your needs. And tap on the Select Card option below. 
  4. A new page will open where you need to confirm your details and fill up some necessary fields. 
  5. Once you verify your details, tap on the Proceed option, provide your consent by selecting the Yes/No option. And tap on the Accept and Generate Card option. 
  6. Your card will be ready and you will get an icici bank virtual credit card on your mobile screen. You can use this card for online transactions. You can also get a physical copy of your card. 
How to apply icici credit card offline ?

If you feel uncomfortable with the online process, then you can apply for your favorite ICICI Bank Credit Card offline. 

To apply offline, just visit your nearby ICICI branch and talk to their credit card representative. He/she will guide you through the process. 

How to track Icici bank credit card application status

Once you submit your icici bank credit card application, it takes 7 to 10 days to complete the processor and deliver the card to your given address. Meanwhile, you can check the status of your application to see if your application is approved or not. 

When you submit your application, you will get an application number that can be used to track icici credit card application status. If you have forgotten your application number, then you can check your icici credit card application status online with your Mobile number and date of birth. 

  1. To check status of icici credit card application visit the ICICI Bank application tracking page or you can just click on the link https://loan.icicibank.com/asset-portal/my-applications-login 
  2. You will get two icici bank credit card application tracking options, one with the date of birth and mobile number and the other with the application number. 
  3. If you want to check the icici bank credit card status with the application number, then enter your mobile number, your application number, your date of birth and make a click on the Continue option. 
  4. And if you don’t have your application number, then put your mobile number, date of birth and click on the Send OTP button to track icici credit card application status
  5. You will get an OTP on the given mobile number. Enter the OTP and click on continue. 
  6. Your credit card icici application status will be shown on the screen. 

How to track Icici credit card delivery status

ICICI Bank offers a wide range of facilities for their customers, one of them is the credit card delivery status tracking option. It enables you to track icici credit card while it is being delivered to you. There are two methods to track icici credit card status of delivery, one is with the tracking id and another is without the tracking id. 

How to track icici credit card status of delivery using tracking id ?

Once your application gets approved, you will get a tracking id number via e-mail or SMS. To check icici credit card status of delivery with tracking id –

  1. Open the SMS or the e-mail that contains the tracking id. 
  2. You will find a link in the e-mail/SMS, click on it. 
  3. You will be asked to put the icici credit card tracking number. Enter the same and click on the Track option. 
  4. A new page will open where you can see the status of your shipment, and the possible date of delivery. 
How to track icici credit card delivery status without tracking id ?

Alternatively, you can also track your icici credit card shipment status very easily with the ICICI bank mobile application, without any tracking id. 

  1. Log in to your ICICI Bank mobile application. 
  2. Tap on the service option that you can find at the bottom of your screen. 
  3. Tap on the check status option, a drop-down list will open where you can see the Track Deliverable option, tap on it.  
  4. Select your icici bank credit card and tap on the submit button. 
  5. A new screen will open where you can see the icici credit card status of delivery. 

how to activate new icici credit card

As per the new RBI guidelines, every card provider should deliver their cards in an inactive state. And to use them the user needs to activate icici credit card manually. It enhances the security of your credit card. 

However, in this article, we are going to get familiar with the process of icici new credit card activation. There are two methods of activating the ICICI Bank credit card. You can do it online via Net Banking, Mobile Banking or you can visit a nearby ICICI Bank ATM and activate your card there. You can also activate your card by calling the icici bank credit card customer care. All the processes are discussed below – 

how to activate new icici credit card via Net Banking?

If you are a new ICICI Bank credit card user then you need to register your icici credit card for net banking. After that, you can generate pin for icici credit card and activate it.  

     Step 1 states how to add credit card to icici net banking? and Step – 2 says how you can generate a new PIn for your card and activate it. If you have already registered your card to the Net Banking facility, you can skip Step – 1 and follow Step – 2 

Step – 1

  1. First of all, go to the icici credit card net banking and click on the log-in option. 
  2. Make a click on the get User Id option, to create your icici credit card user id for net banking.
  3. You will get a list of instructions, go through them and click on the continue button. 
  4. You will get a credit card option, make a click on it. 
  5. Enter the icici credit card no, the mobile number registered with the card, and the OTP. 
  6. Go back to the log-in page, and click on the Get Password option. 
  7. Enter the user id, your registered mobile number, and the OTP you have got. 
  8. Now Create a new password for your account and you will be registered to the ICICI Bank Net Banking facility. 

Step – 2

  1.  Go to your ICICI Bank Net Banking account and click on the Credit Card option that you can find in the left side menu. 
  2. Click on the credit card PIN option and then click on the Generate now option. 
  3. Select the credit card number from the drop-down list and then enter the CVV number of the selected card. 
  4. Verify your details on the screen and click on the Submit option.
  5. Enter the OTP you received, and set the desired icici bank credit card pin

Once you set the new PIN for your credit card, it will be activated shortly. 

How to activate Icici credit card online via Mobile Banking ?

If you have access to the ICICI Bank Mobile Banking, then you can generate icici credit card pin from there. 

  1. First of all, log in to your ICICI Bank app. 
  2. Go to the service section and select the Card PIN Services option. 
  3. Now select the Credit Card PIN generation option.
  4. Select the credit card you want to activate. 
  5. Verify your details and select a new Pin for your credit card. 
  6. Tap on the submit option and your card will be activated shortly.
How to activate icici credit card from ATM ? 

If you want to activate your icici credit card through ATM, then visit your nearby ICICI Bank ATM and follow the steps given below – 

  • Insert your credit card in the ATM Machine.
  • Select the language you prefer the most. 
  • You will get an option named PI Generation, tap on it.
  • Now follow the instruction from the screen properly and your new credit card PIN will be generated within minutes. 
How to activate icici bank credit card by calling the Customer Service ?

You can also set your ICICI bank credit card PIN just by calling customer service. Just call the icici bank credit card customer care number 1800 200 3344 from your registered mobile number and follow their instructions to create a new PIN for your card.  

How to activate Icici credit card online transaction

ICICI Bank gives its customers the ability to control their credit card transactions. You can turn off your icici credit card transaction for a specific category. 

If you want to use the online transaction on your icici credit card then you need to turn it on first. In this article, we are going to talk about the processors of activating the online transactions in your ICICI Bank credit card. You can do it very easily with your icici credit card app

Activating via Mobile Banking 

To activate icici credit card online transaction via Mobile Banking first of all log in to your ICICI bank Mobile Banking account, and follow the steps given below – 

  1.  Once you logged in to your Mobile Banking account, you can see the credit card option in the middle of your screen. Tap on it and a new page will open. 
  2.  On the new page, you can see your registered icici credit card list (if you have multiple cards registered to your account). Choose your desired icici credit card number
  3. A new page will open, where you can see the Manage Card option, Tap on it.
  4. You will get three types of credit card transactions there ATM Withdrawals, Online Transaction, and International Transactions. Each category will have an on/off option with them. 
  5. Turn the option on for the online category. 
  6. A pop-up message will appear on the screen where you need to confirm your selection. 
  7. Once you confirmed your selection, the online icici credit card transaction will be turned on immediately. 

Through this process, you can turn off the online transactions for your ICICI Bank Credit Card. 

How to deactivate Icici credit card Online Transaction 

ICICI Bank gives its customers the authority to control their credit card transactions. You can turn off a specific type of icici credit card transaction when you don’t use it. If you want to turn off the online transaction in your icici bank credit card, then this article can help you. 

  1. First of all, log in to your icici credit card app
  2. Tap on the credit card option you can find in the middle of the screen. 
  3. A new page will open, where you can see the manage credit card option, tap on it. 
  4. You will get three types of credit card transactions ATM Withdrawals, Online Transaction, and International Transactions. Each category will have an on/off option with them. 
  5. Turn the option off for the online transaction category. 
  6. A pop-up message will appear on the screen where you need to confirm your selection. 
  7. Once you confirmed your selection, the online icici credit card transactions will be turned off immediately. 

How to use Icici credit card cash withdrawal

You can use your icici bank credit card for cash withdrawal. Although credit cards are not meant to be used for this particular purpose, it involves icici credit card cash withdrawal charges and interests also it can hurt your credit score, but on the other hand, it is one of those icici credit card features that can be helpful in emergencies.  

So, if you want to use your ICICI Bank Credit Card for cash withdrawal and you don’t know how to do it, then you can follow the instructions given below –

  1. Visit any nearby ATM and insert your credit card in the slot. 
  2. Select the language of your choice. 
  3. Enter the four-digit icici credit card pin
  4. Select the icici credit card transaction type as Withdrawal.
  5. Enter the amount and press the Enter key. 
  6. Collect the cash from the machine. 

By following the steps you can easily withdraw cash from your credit card account. But before you go for cash withdrawal from icici credit card, there are a few things you should keep in mind – 

  1. Every credit card has its withdrawal limit. Check your icici credit card limit of cash withdrawal beforehand. 
  2. There will be no interest-free period for the Cash Withdrawal. icici credit card interest will start counting on you from the day of withdrawal. 
  3. After making a cash withdrawal from icici credit card, stop using the card until you pay the amount in full. 

Above all credit cards are not designed for ATM uses, it is not beneficial to withdraw cash from your credit card account. There are certain charges involved with it and it has the potential to affect your credit score which makes it much more expensive. So unless there is an emergency try to avoid cash withdrawal from credit cards. 

How to set a custom Icici credit card limit of transaction

If you want to set a transaction limit for your ICICI Bank Credit Card then there are two options for you. Any icici credit card customer can do it with his/her Net Banking account or they can also do it conveniently from their mobile banking app. It does not include any icici bank credit card charges. Both processes are discussed below – 

Using icici credit card net banking facility

To set a custom icici bank credit card limit of the transaction using net banking, first of all,  go to the icici credit card login portal and login to your ICICI Net Banking account, then follow the steps given below – 

  1. Click on the Cards and Loans tab and then select Credit Card.
  2. Select the View and Manage Your Credit Card option.
  3. Select the Manage Credit Card option. 
  4. To set a limit for your card, click on the Edit option that you can find beside the Manage Limit tab. 
  5. Enter the amount you want to set as a limit. 
  6. You will get an OTP on your registered mobile number, enter the same and click on Submit. 
  7. Your desired limit will be set for your credit card of icici bank
Using ICICI Mobile Banking

If you have access to the ICICI Mobile Banking service, then you can do it more conveniently from your smartphone. 

  • First, log in to your account. 
  • Tap on the Cards and Forex option you can find in the middle of your screen.
  • A new page will open where you can see the registered credit cards. Select the icici credit card number you want to set the limit for. 
  • Tap on the manage card option and then tap on the Manage Credit Limit option.
  • Here you can set the desired limit for your credit card. Enter the desired amount and tap on the submit button below. 
  • Your icici credit card transaction limit will be updated shortly.     

How to increase Icici credit card limit

A higher credit limit is always helpful, not only it allows you to spend more with your credit card but it also helps a lot to keep your credit utilization ratio lower. Also, a higher credit limit can be proved to be helpful in emergencies.
ICICI Bank offers its eligible customers an option to increase their icici bank credit card limit. Also if you are using an ICICI Bank Credit Card for more than a year, you can apply for an upgrade in your credit limit. There are some possible options given below that can help you to upgrade icici credit card.

  • With icici credit card limit increase sms

If you have got the offer to upgrade your credit limit, then just SMS CRLIM <the last four digits of your credit card> and send it to 5676766 and your credit limit will be increased by the offered amount. 

  • How to increase icici credit card limit using iMobile app

To increase the credit limit using the iMobile app log in to your iMobile account and follow the steps given below – 

  • Tap on the Cards and Forex option. 
  • Select your icici bank credit card number from the registered icici credit card list 
  • Tap on the manage card option. 
  • You will find the manage credit limit option under the More Options.
  • Select your desired credit limit. 
  • Tap on the submit button. 

If you are eligible, your icici bank credit card limit increase application will be granted. 

How to increase icici credit card limit using Net Banking

If you have access to the ICICI Bank Net Banking service, then you can increase your credit limit from there. You can follow the steps given below – 

  1. Go to the icici credit card net banking login portal and log in to your account. 
  2. Make a click on the My Accounts option. 
  3. You can find the credit card option there, make a click on it. 
  4. Select the Manage Credit Limit option and click on the Go button to continue.
  5. Your current credit limit and the maximum possible credit limit will be shown on the screen. 
  6. Enter your desired credit limit. 
  7. You will get an OTP on your registered mobile number, enter the same and click on Submit. 

Your credit limit will be increased shortly.  

  • By Calling the icici credit card customer care

You can also call the icici credit card customer care toll free number 1860 120 7777 / 1800 103 8181 and if you are eligible the customer care executive will assist you through the process.   

All the above-mentioned processes can help you only if you have the icici credit card limit enhancement offer, if not then here are some tips given below that can help you to increase your credit card limit.

Improve Your Credit Score – Credit Score plays an important role in determining your credit limit. It shows your creditworthiness. So just focus on improving your credit score and the credit limit will be increased automatically. 

Make Repayments on Time – If you have some pending dues, clear them off first, and then make your icici bank credit card payments on time. In this way, you can showcase your worthiness to the card provider. 

Keep Your Utilization Ratio Lower – The credit Utilization ratio is the ratio between your total credit limit and the amount of credit you use in a credit cycle. A higher credit utilization ratio will make you a credit-hungry icici credit card customer, and it can affect your credit score. So try to keep your credit utilization ratio under 25% to 30% 

Update Income Status – If you have got a promotion or a salary hike, you can submit your new proof of income and request them to increase your credit limit. 

Get a New Card – It is the easiest option to increase your credit limit. You can go for an icici new credit card application. And if you have good credit history it won’t be difficult for you to get one. 

how to block icici credit card

If you notice some suspicious transactions or if your card is lost or stolen, you should block it immediately to prevent further losses. 

When it comes to block credit card icici Bank offers some easy procedures that can hotlist your card instantly and save you from some financial losses. There are four different ways to block icici credit card you can do it from your Net Banking account, your mobile account, you can call icici bank credit card customer care no, or just walk into your nearby branch. 

How to block icici credit card from Net Banking

If you have access to the ICICI Bank Net Banking account, then you can block your card from there. 

  1. Go to the icici credit card internet banking login portal and log in to your account with your icici bank credit card login id and password. 
  2. Go to the Menu and you can find the My accounts option there, click on it.
  3. Select the credit card option. 
  4. You can find the block credit card option there, click on it. 
  5. Select your icici credit card account number from the drop-down list and click on the submit button.
  6. Your card will be blocked soon.   
How to block icici credit card online from the iMobile App

To block your credit card from the iMobile app, open the iMobile app and an icici credit card login will open. Log in to your account and follow the steps given below – 

  1. Tap on the credit card option. 
  2. Choose the credit card number you want to block.
  3. Tap on the icici credit card block option and select Submit. 

You will get a notification from your bank as your card gets deactivated. 

Block your card by calling icici credit card customer care no

You can also block your credit card just by calling the ICICI Bank customer service. Just dial the icici credit card toll free number 1860 120 7777 and ask the customer care executive to block your card. 

By visiting the branch

You can also walk into your nearest branch and contact the icici credit card department and they will guide you through the process. 

How to block icici credit card and replace it

If your credit card is physically damaged or if your credit card is lost or stolen you can apply for a replacement of your card. So you don’t need to unblock icici credit card again, you can just apply for a replacement, it will automatically cancel your previous card and issue a new icici bank credit card for you. 

If you want to replace your icici bank credit card then there are four options for you. You can do it from your icici credit card net banking account, your mobile banking account, you can call the icici bank credit card customer care and ask them for a replacement or you can just visit your nearest branch and submit the icici credit card application form for a replacement. 

Through the ICICI Net Banking Account 

To apply for replacement of your ICICI Bank credit card via Net Banking, first, go to the icici credit card internet banking login portal and login yourself with your icici credit card login id and password, then follow the steps given below – 

  1. Go to the credit card services section.
  2. You will find the reissue or replace credit card option, click on it. 
  3. A new page will open where you need to provide some icici bank credit card details Provide the necessary details and select Submit. 
  4. Once your application is submitted, you will get icici credit card replaced within a few days. 
How to use icici credit card Mobile App to replace your card

If you have ICICI Bank mobile app on your Smartphone you can also replace your card from here. 

  1. Open your ICICI Bank Mobile app, the icici credit card online login page will open. 
  2. Log in to the ICICI bank mobile application. 
  3. Go to the Service section. 
  4. Here you can find the card service option, tap on it.  
  5. Select the reissue card option. 
  6. A new page will open where you need to enter some information and your icici credit card details fill up the necessary fields and tap on submit.  
  7. Once your application is submitted, your present card will be deactivated and a replacement credit card will be sent to your address. 
By Calling the icici credit card helpline number

You can call the icici bank credit card helpline number and ask them to replace your card. First, they will block your current credit card and then reissue a new credit card for you. 

By visiting the branch

You can also visit your nearest ICICI Bank branch, fill up and submit the icici credit card application form along with some necessary documentation. You can download the application form from the ICICI Bank official website. 

However, this feature is not free of cost. You can check the current icici credit card charges for card replacement from the ICICI Bank official website. 

How to apply Icici credit card add on card 

Add-on cards or supplementary cards are the credit cards that are issued under a primary credit card account. A primary cardholder can issue add-on cards for their family members above 18 years. 

If you want to share your icici bank credit card benefits with your family members, then you can apply for an icici bank add on credit card very easily by following the simple steps. 

  1. Download the icici credit card application form from the ICICI Bank official website. 
  2. Fill up the form properly and submit it along with the documents mentioned below – 
  • Proof of Identity of the applicant
    • Job Card.
    • Aadhar Id.
    • Voter Id.
    • Driving License
    • Letter from UIDAI.
  • Proof of Address of the applicant 
    • Gas, Electricity, or any utility bill. ( recent )
    • Passport.
    • Ration card.
    • Document of property registration.

You need to keep the original documents with you for verification purposes. Also, you should check the icici credit card fees for the add-on cards before applying. 

How to enable international transactions on ICICI Bank Credit Card

Most of the icici credit card can be used for both domestic and international transactions. But if you want to use your icici new credit card for international transactions, you need to turn on the international usage first. You can do it very easily from your Net Banking, Mobile Banking account or you can do it with just an SMS.  

Turn on International Uses via Net Banking

You can turn on international uses on your ICICI Bank credit card within minutes from your Net Banking account. 

  • Go to the icici credit card net banking portal and log in to your account. 
  • Select the Cards and Loans option you can find in the main menu. 
  • A drop-down list will open select the credit cards option from there. 
  • Your credit card details and icici credit card transaction details will be shown on the screen.
  • Click on the manage card option. 
  • You can see the manage credit card usage option, click on the Edit option you can find beside it.
  • You can see the international transaction status as disabled. Turn it on. 
  • You will get an OTP in your registered mobile number, enter the same. And click on submit. 
  • The international transaction will be activated on your card. 
Activate International Transaction via Mobile Banking

If you have icici credit card app on your Smartphone, you can turn on the international transaction from there. 

  1. Open the app, an icici credit card log in page will open, log in to your account. 
  2. Tap on the Manage Card option you can find in the menu section. 
  3. Select the card in which you want to turn on the international usage.
  4. Tap on the transaction setting option you can find under the manage credit card section.
  5. You can see the option of international use there. Turn it on. 
  6. You will be asked to review your selection. Tap on confirm to continue. 
  7. International transactions will be turned on shortly. 
Activate International Transaction by SMS

If you don’t have access to Net Banking or Mobile Banking, you can turn on the international uses with just an SMS. Type INTL in your SMS app and send it to 5676766. You will get a reply on successful activation. 

How to check Icici credit card statement

ICICI Bank has given their customer the facility to check and download their icici credit card e statement whenever they need. ICICI Credit card statements are sent to your registered email or residential address at the end of the icici bank credit card billing cycle, but if you have misplaces your icici credit card statement you can download it online. 

To use the feature, you need to have access to the net banking or mobile banking facility. 

How to get icici credit card statement from net Banking
  1. First of all, log in to your icici credit card net banking account. 
  2. Go to the main menu and select My Accounts. 
  3. A drop-down list will open, select e-statement from there. 
  4. A new page will open, select a Credit card from the drop-down list. 
  5. Select Monthly or Annual option as per your need. 
  6. Select your card number and the period. 
  7. Now you can view icici bank credit card statement for the selected period. 
  8. To download icici credit card statement online make a click on the PDF icon beside the period option. 
  9. Your icici bank credit card e statement for the selected period will be downloaded. 
How to view icici credit card statement from Mobile Banking 
  1. Log on to your ICICI Bank Mobile Banking application.
  2. Select the Credit Card option you can find in the main menu.
  3. Select the desired credit card from the icici credit card list (if you have more than one credit card registered in your account)
  4. You can see the Statement option, tap on it. 
  5. Tap on the icici credit card statement download option. 
  6.  Select the period of which you want to get the statement.
  7. Make a tap on the Download option, and your icici bank credit card statement will be downloaded. 

Through the above-mentioned method, you can check your credit card statement whenever you want. You can also check your email for your recent credit card statement. 

Icici credit card statement password format

 To view your credit card statement, you need to provide an eight-digit icici bank credit card statement pdf password. The password is a combination of the first four letters of your name and the first four digits of your date of birth ( in the format of DDMM). 

For an instance, if your name is Avijit Pathak and your date of birth is January 10, 1988. Then the icici credit card statement password will be avij1001

How to File Dispute on ICICI Credit Card

If you have icici credit card complaint about your Credit Card transaction then you can raise a question for the transaction and initiate an investigation for your icici credit card complaints by filing a dispute. 

The process of filing a dispute is very simple. You just have to download the icici credit card transaction dispute form and submit it with some documents to support icici bank credit card complaint. You can find the list of documents on the second page of the form.  

You don’t need to pay the disputed icici credit card transaction and the icici bank credit card charges involved with it, during the investigation process. And if your dispute proves to be valid, you will get a chargeback. That means the disputed amount will be credited to your icici bank credit card account.

How to check the due date of ICICI Bank Credit Card

Due date or Credit Card payment due date is the date by which credit card bills should be cleared. A cardholder can pay icici bank credit card bill anytime before the due date but if the day is missed, icici bank credit card late payment charges and other charges will start counting on the icici credit card bill amount. 

      So every ICICI Credit Card user must remember their icici credit card due date. But if you are a new credit card user or if you have forgotten your due date, you can check it in the below-mentioned ways – 

  • Check your due date from the recent icici credit card statement

Generally, the icici credit card payment due date is mentioned clearly in the card statement. So if you have not changed your due date, you can check it from your old icici bank credit card statement

  • Check credit card statement from ICICI Bank mobile app

If you have misplaced your old icici credit card statement you can easily check your payment due date from the ICICI Bank Mobile application. 

  1. Log in to your ICICI Bank Mobile banking account. 
  2. Go to the My credit card section and tap on the Manage option. 
  3. Tap on the latest bill option. 
  4. A new page will open for you where you can see your due date, icici credit card due amount, and also the icici credit card minimum amount due

By following the above-mentioned steps you can check your payment due date anytime you want. You can also follow the same steps to check your due date from ICICI Bank Net Banking. 

  • Know your payment due date from customer service

If you are a new credit card user and you have not got your first statement, then you can call the icici credit card customer care number for the details. 

Always try to pay icici credit card bill 3 to 4 days before the due date, to make sure you don’t get any penalties if there is a delay in the payment method. 

How to get an Icici personal loan on credit card

A loan against a credit card is an unsecured personal loan that you can get against your credit card’s unutilized credit limit. It is a very good option to fulfill your short-term cash requirement. You can also pay the icici bank credit card loan amount back in easy installments. 

If you want to get a loan on icici credit card, then you can apply for it from your icici credit card net banking account, Mobile Banking account or you can get the icici loan on credit card with just a missed call. 

  • Apply via Net Banking
  1. Log in to your ICICI Bank Net Banking account. 
  2. Go to the Cards and loans section, and make a click on the Loans option.
  3. Go to the pre-qualified icici credit card offers section. 
  4. You can see the icici bank loan on credit card option there. Click on the instant disbursal option next to it. 
  5. Select the loan amount and the tenure. The icici credit card loan interest rate and the monthly EMI amount will be shown on the screen. 
  6. Select your savings account where the icici credit card loan amount will be credited. Also, verify your loan details. 
  7. Accept all the icici credit card terms and conditions and click on the generate OTP option.
  8. You will get an OTP on your registered mobile number. Enter the same. 
  9. Click on the submit button you can find below. 
  10. Your personal loan on icici credit card will be credited to your selected savings account instantly.  
  • Apply via Mobile Banking 
  1. Log in to your iMobile app. 
  2. Tap on the Cards and Forex option. 
  3. Tap on disburse now. 
  4. Select the loan amount and tenure.
  5. Check the rate of interest and select the savings account in which the loan amount will be credited. 
  6. Check the details of your loan, accept the icici bank credit card terms and conditions and tap on disburse now button. 
  7. You will get an OTP in your registered mobile number, enter the same, and tap on Submit.
  8. The loan amount will be credited to your account instantly. 
  • Apply with just a missed call

   You can also get the icici credit card personal loan with just a missed call. Just call 08045936070 you will get a call back from the ICICI Bank representative, and he/she will guide you through the process.  

How to check Icici credit card balance

For a credit card holder, tracking credit card balance is very important. It helps you to maintain a budget. Also you should check icici credit card balance before making a big icici credit card payment, it can save you from over limit charges. 

However, if you want to check your icici bank credit card balance, there are three easy options for you. You can do it online form your Net Banking or Mobile Banking account, or you can go for offline method such as calling the icici credit card helpline no or just by sending an SMS from your registered mobile number. 

  • How to check balance in icici credit card using Net Banking account
    1. First of all, log in to your icici credit card net banking account. 
    2. You can find the credit cards option in the left side menu. 
    3. Select the icici credit card number you want to check the balance for.
    4. Your credit card balance will be displayed on the screen. 
  • How to check credit card balance in icici Mobile Banking
  1. Log in to the ICICI iMobile application with your icici credit card login id
  2. Tap on the credit card option. 
  3. Select the credit card from the registered icici credit card list (If you have more than one credit card registered to your account)
  4. Tap on the credit card balance details options and tap on Ok. 
  5. Your credit card balance will be displayed on the screen. 
  • How to know icici credit card balance from helpline number
  1. Call the specific icici credit card helpline toll free number of your city. 
  2. Select credit card from the options. 
  3. Enter credit card number and your icici credit card pin as instructed. 
  4. Follow further instructions to know your balance. 
  • How to check icici credit card balance by sms 

You can also check your credit card balance with just an SMS. Just type IBALCC<last 6 digits of your card number> and send it to 5676766

How to convert credit card payment to emi in icici credit card 

EMI or Equated Monthly Instalment is the most advertised feature of credit card companies. It can finance your high-value purchases at a low or zero interest rate (depending on current offers).  

If you are an icici credit card customer and want to convert your credit card payments into icici credit card emi, you have two options. You can do it from your ICICI Bank Net Banking account or you can do it from your ICICI Bank iMobile app. 

  • How to convert emi in icici credit card using Net Banking
  1. Go to the icici credit card net banking login portal and log in to your account. 
  2. Click on the Cards and Loans option. 
  3. Select the credit card option.  
  4. Scroll down a little and you can see the current icici credit card statement option. Click on it. 
  5. A list of icici credit card fresh transactions will be displayed on the screen. 
  6. Eligible transactions will have a convert to EMI option beside them. 
  7. Choose the icici credit card transaction you want to convert. 
  8. Select the tenure. And the icici credit card emi interest rates and the monthly EMI amount will be displayed. 
  9. Accept all the icici credit card terms and conditions and click on submit. 
  10. You will get an OTP on your registered mobile number, enter the same. 
  11. Click on submit and your selected transaction will be converted into EMI. 
  • How to convert credit card payment to emi in icici iMobile app 
  1. Open the iMobile application. The icici bank credit card log in page will open. 
  2. Log in to your iMobile application. 
  3. Tap on the Credit Card and Forex option. 
  4. Select the card.
  5. Tap on the manage credit card option and scroll down to find the Convert EMI option. 
  6. Tap on it and a new page will open, where you need to choose your card again. 
  7. As you choose your recent icici credit card transaction details will be seen on the screen. 
  8. Choose the transaction you want to convert into icici bank credit card emi
  9. Read the icici credit card terms and conditions and accept them. 
  10. Tap on icici credit card convert to emi option. 
  11. Select the tenure according to your choice. 
  12. The applicable icici credit card emi interest rate, your total payable amount, and monthly installment will be displayed. 
  13. Tap on submit and a new page will open where you need to confirm your selections. 
  14. Verify your choice and tap on Submit.
  15. You will get an OTP on your registered mobile number, enter the same.
  16. Your transaction will be converted into EMI within a few days.  

How to change address in icici credit card

Residential addresses have an important role in communication between the credit card provider and the user. Even in the modern era when electronic mail or email is the norm, some legal notices and important letters need to be sent to a physical address. Therefore it is important to update your current residential address to your icici credit card account if you have changed yours recently. 

If you want to change your residential address in your icici bank credit card account, this article can help you. 

How to change icici credit card address via Net Banking
  1. First, go to the icici credit card login portal and log in to your icici credit card net banking account.
  2. Go to the Service section and you can find the Service Request option there, click on it. 
  3. You can find the ‘More’ option in the drop-down menu, click on it. 
  4. Now click on the communication address change option. 
  5. Enter your new address, confirm it and click on the ‘Submit button. 
  6. You will get an OTP in your registered mobile number, enter the same.
  7. You will get a request number and your changes will be reflected within 1 to 2 days. 
Icici bank credit card address change Using Mobile App
  1. Log in to your ICICI Mobile Banking app with your icici credit card log in Id and password
  2. Tap on the ‘Services’ option you can find in the menu.
  3. Tap on the ‘Instabanking Services’
  4. Tap on the Update Address option. 
  5. Enter your new address and tap on the submit button. 
  6. You may need to upload a document to support your request. 
  7. Upload the document and your address will be changed soon. 
Change address by calling the customer service

You can call the icici credit card customer care no. – 1860 120 7777 or 022 3366 7777 and ask them to update your registered mailing address. 

Change address by visiting the branch

Also, you can walk to your nearest ICICI branch and contact the credit card representative. You need to fill up the icici credit card address change form and provide some documents to support your icici credit card application.

How to Pay ICICI Credit Card Bill Offline

If you don’t feel comfortable to pay icici credit card bill online, then you can also pay your icici credit card bill offline, there are a number of options available to make your icici bank credit card bill payment offline. 

How to pay icici credit card bill through atm ?

  1. Walk into your nearby ICICI Bank ATM. 
  2. Insert your ICICI debit card in the slot. 
  3. Select the language of your choice. 
  4. Type your ATM Card PIN. 
  5. Tap on the More Option.
  6. Select Credit Card Payment. 
  7. Type your credit card number, and press the Yes option. 
  8. Type the payable amount and hit the Yes option. 
  9. The bill amount will be credited instantly. 
Pay icici credit card bill by calling the customer service

ICICI customer can also make their credit card payment with just a phone call. Just call the icici credit card customer care toll free no and follow the given instruction to pay your credit card bill by using your debit card. 

Icici bank credit card payment by cheque or draft

You can also issue a cheque in favor of your ICICI Credit Card account. Write ICICI Credit Card followed by your icici credit card account number as the payee name. Also, you should write your name and contact number on the opposite on the cheque.  

You can drop the cheque at any ICICI Branch or your nearby dropbox. For ICICI Bank Cheque it takes up to 3 days and for the non-ICICI Bank Cheque it takes up to 6 days to reflect the payment. For the outstation cheque, it may take up to 12 to 21 days. 

Make cash payment

Alternatively, you can walk to your nearby ICICI Branch and make the icici credit card payment in cash. It will take only a day to reflect the transaction. Also, you will be charged Rs. 100 along with the tax. 

Turn on the auto-debit

You can also turn on the auto-debit feature. With this feature, your credit card bill will be paid automatically from your registered savings account before icici credit card due date. You can turn on the auto-debit feature by following the simple steps – 

  1. Go to your icici credit card net banking account.
  2. Click on the My Account option and then select the Credit Card option.
  3. You can find the Auto debit set up option there, click on it. 
  4. Click on the Auto debit confirmation option.
  5. Choose the icici credit card account number, and provide your savings account details from which the bill amount will be deducted. 
  6. Click ‘Yes’ to complete the Auto debit set up. 
  7. Choose the mode of payment.
  8. Click on submit and the setup will be complete. 

What happens if I pay only the minimum amount for ICICI credit card ?

If you are a credit card user then you probably have heard about the term minimum due amount. It says about the minimum amount of your icici credit card due amount (around 5% to 10%) you need to make towards your credit card balance to avoid icici bank credit card late payment charges. This is a feature that the card providers offer their customers for emergency situation

If you just pay the icici credit card minimum amount due amount it will save you from paying the icici credit card late payment charges. But the icici credit card interest rate will start counting on the rest of the amount as well as the new transactions until you pay your total icici credit card due amount in full. 

If you continue to pay only the minimum due amount, your due balance will start swelling up rapidly because of the high icici bank credit card interest rate which is around 40% annually. Your icici bank credit card limit as well as your credit score will start shrinking. And you will fall into a debt trap that is hard to get rid of.  

Therefore always use your credit card responsibly, try to keep your credit card bills within your reach. And pay off the balance before the icici credit card payment due date. You can also subscribe to the icici credit card e statement or mobile alert facility to avoid missing it.  

How to close icici bank credit card ?

ICICI Bank offers its customers some simple and easy-to-follow steps to cancel their ICICI Credit Cards. If you want to cancel your icici bank credit card you need to follow some simple steps and it is also suggested to read the terms and conditions before you close icici credit card 

If you want to close your ICICI Credit Card then there are two options for you you can call the customer care of icici credit card and ask them to close your credit card account or you can visit the ICICI credit card official website and fill-up the form to cancel your card. 

  • How to cancel icici credit card by calling customer care ?

This is the easiest way to cancel your credit card, just call the icici credit card customer service number and ask them to cancel/close your card. 

  • How to close icici credit card from the Official Website ?

You can also submit your application to close your ICICI credit card from the ICICI official website. You need to provide some necessary icici credit card information along with the reason for closing the card and your contact number. 

Once your application is submitted, you will get a call from the ICICI credit card representative for verification. Once everything is verified and the icici credit card process of cancelation initiates, it takes about 6 to 7 days to cancel the card.   

Things to remember before closing an ICICI credit card

  • Make sure there is no unpaid icici credit card due amount in your account that you want to close. 
  • Check your credit card account for any unused icici bank credit card reward points. If there is any, then redeem icici credit card points first.
  • Once the request for cancelation is submitted, stop using the card. If there is a fresh transaction the cancelation process will be terminated.  

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