ICICI Credit Card Balance Enquiry

There are various methods through which one can check their ICICI Credit Card Balance. These are listed below.

Net Banking

In order to make ICICI Credit Card Balance enquiry through net banking customers must have an internet banking account. Follow the steps mentioned below to check credit card balance:

• Visit the official website of the bank by clicking here
• Enter the user ID and password to login
• Select the Credit Cards option
• Select the Credit Card which balance you want to know

Cardholder can now view the balance

Mobile Application

In order to check credit balance through the mobile application, follow the steps given below.

• Download and login to the iMobile App
• Select the Credit Card number and click on ‘Check Balance’
• For more details click on statement under the card account and then Latest Bill

SMS

Customers can check their ICICI bank Credit Card Balance by sending an SMS to the Bank through the registered mobile number. Send the following SMS to 9215676766:

Customer Care

Cardholders can call the toll free helpline number of the bank to know their ICICI Bank Credit Card Balance by following these steps:

• Call the ICICI Helpline number; 1860 120 7777
• Press the relevant numbers on the Interactive Voice Response (IVR) to know the balance on credit card

Visiting the Bank Branch

Customers may visit the nearest ICICI Bank branch to enquire about their credit card balance.

ATM

Another viable option is to visit an ICICI Bank ATM and find out your credit balance by conducting a non-financial transaction. The steps are:

• Enter the credit card in the card slot
• Select check balance
• Enter the PIN

Cardholder can now view the balance on their credit card

The credit card balance or statement balance is the total amount customer owes to the bank. Knowing the balance on the credit card allows the user to make timely payments. Also, customers who are aware of the balance won’t unknowingly go above the credit limit and risk having their card declined.

What do you mean by the term Credit Card Balance?
The term Credit Card Balance or statement balance is the total amount which is due on the credit card. This balance increases with purchases made on the card and decreases when payments are made.

What does the minimum amount due imply?
The minimum amount due is the minimum payment that needs to be done before the due date in order to continue using the card. It is calculated at 5% of the total outstanding balance.

Is it possible to use the credit card to withdraw cash?
ICICI Bank Credit Cards can be used to withdraw cash from any ATM. The money thus withdrawn is considered as Cash Advance. Customers should be aware that using a credit card to withdraw cash will incur finance charges as well as a cash withdrawal fee.

What is the billing cycle for ICICI Bank Credit Cards?
ICICI Bank Credit Card Statements are issued monthly on a fixed date for the convenience of the customer. The due date, bill generation date is shared with the customer at the time of approval of credit card.

What happens if the credit card limit is used completely?
If you happen to use the entire credit limit set on your card, it becomes unusable until you pay the balance amount to the bank. Also, you will incur over limit charges if you cross the credit limit.