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ICICI Credit Card Payment

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How to Make ICICI Credit Card Bill Payments

How to Make ICICI Credit Card Payment through Net Banking

Customers who have registered for ICICI Bank’s net banking services can pay their credit card bills directly through the net banking portal. Follow the steps given below:

  • Visit the Net Banking Portal of ICICI Bank
  • Enter Customer ID and Password to login
  • Click on the ‘Credit Cards ’ tab
  • Select the card for which you want to make the payment
  • Click on ‘Pay Now’
  • Select the savings/current account from which you want to make the payment
  • Choose the amount to pay from total amount due, minimum due or enter a custom amount
  • Pay the bill

Payment through net banking ensures instant credit in the credit card account.

How to Make ICICI Bank Credit Card Payment through ICICI Bank Mobile App

ICICI credit card holders can also make bill payment through ICICI Bank iMobile App. Follow the steps given below:

  • Login to the mobile app
  • Go to the ‘Cards’ tab, select the card and click on ‘Pay Bill’
  • Select the account from which payment should be made
  • Choose the amount to pay or enter a custom amount
  • Proceed to payment

ICICI credit card payment through mobile app is also added to the limit instantly.

How to Make ICICI Credit Card Payment through BillDesk

You can also make ICICI Bank credit card bill payment online directly through the billdesk. Follow the steps given below:

  • Visit ICICI Bank BillDesk
  • Enter your credit card details and your email ID
  • Enter the amount you wish to pay
  • Select the bank through which you will make the payment
  • You will now be redirected to the selected bank’s net banking portal
  • Login using your credentials
  • Authorize the payment by entering the OTP received on your registered mobile number

Payment made through bill desk may take 3-5 business days to process. An email will be sent to the provided email ID regarding ICICI credit card bill payment.

How to Pay ICICI Credit Card Payment through Debit Card

ICICI Bank account holders can pay their ICICI credit card bills through ICICI Bank ATM using their debit card.

  • Swipe your ICICI Bank debit card at the ATM
  • Go to ‘More Options’
  • Select the ‘Pay credit card bill’ option
  • Enter the amount to be paid
  • Proceed to payment

The amount will be debited from the savings/current account connected to the debit card and the credit card bill will be paid.

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How to Set Auto Debit for ICICI Credit Card Payment

ICICI Bank offers auto debit to pay credit cards bills. Card holders can avail this feature by submitting the mandate form or by registering for the same through net banking. Once the registration is complete, the auto-debit feature will be enabled on the savings/current account, and the credit card bill payment will be made on the due date. You can choose to pay the minimum amount or the total amount due for your ICICI credit card using the auto-debit feature.

ICICI Credit Card Bill Payment - Call to Pay

You can pay ICICI Bank credit card bills using the ‘Call to Pay’ service. You simply need to dial the 24×7 ICICI Bank Credit Card customer care number and follow the IVR instructions to pay their credit card bill using their debit cards. The payment is cleared immediately.

ICICI Bank credit card holders who do not have a savings/current account with ICICI Bank can resort to the following means for credit card bill payment.

ICICI Credit Card Payment through Other Bank’s Net Banking

Most of the banks allow their customers to make bill payment for other bank’s credit card directly through their internet banking portal. Though the process varies from bank to bank, you will generally have to follow the given steps:

  • Login to your other bank’s net banking portal
  • Go to the ‘Payments’ section and add a biller
  • Register for payment by entering your ICICI Bank credit card details in the biller information

Once registered, you can directly make payment for the card every month.

ICICI Bank Credit Card Bill Payment through NEFT using IFSC Code

You can pay your ICICI credit card bill using NEFT facility from any other bank account. Follow the steps given below:

  • Login using your customer ID and password
  • Go to ‘NEFT’ payment option
  • Add your ’16-digit ICICI Bank credit card number’ in place of account number
  • Enter ICICI credit card IFSC Code as ICIC0000103
  • Proceed to make payment

ICICI Credit Card Payment via RTGS using IFSC Code

You can pay your ICICI credit card bill using RTGS facility from other bank accounts. To use this service customer must add the ICICI Card as a beneficiary in their respective bank account:

Registration

Cardholders must first add the credit card to the list of beneficiaries the steps for which are given below. Skip this if the card is already registered.

  • Login to your Bank’s Net banking portal
  • Go to Fund Transfer page and select the option which lets you add beneficiaries for fund transfer and Provide the following details
    • Beneficiary Name - Name as printed on the credit card
    • Beneficiary Bank Name - ICICI Bank
    • Transaction Code - 52
    • Beneficiary Account Number - Credit Card Number
    • ICICI Bank Credit Card Bill Payment IFSC Code - ICIC0000103
  • The credit card will be added to the list of beneficiaries within an hour
  • Afterwards, follow the below given steps to pay the bill

Payment

  • Login using your customer ID and password
  • Go to ‘RTGS’ payment option
  • Select the ICICI Bank credit card from the list of beneficiaries
  • Enter the amount and click on pay

ICICI Credit Card Bill Payment through Visa Money Transfer

ICICI Bank credit cardholders can pay their credit card bills easily using the Visa Money Transfer (VMT) service. The exact process depends on the bank you choose to avail the VMT service. The payment is credited to your ICICI Bank credit card account within 3 working days. ICICI Bank account holders can also avail the Visa Money Transfer service.

ICICI Credit Card Payment through UPI using ICICI Credit Card Bill Payment IFSC Code

ICICI bank credit card bill payment can be done through UPI (United Payments Interface) using UPI-ID or Account number and IFSC Code. First time users must register themselves for funds transfer via UPI.

Registration

  • Login to your Bank’s mobile banking App
  • Under Account click on UPI
  • Send the system generated message required to bind your mobile for the service
  • Create a UPI ID
  • Link the UPI ID with a bank account

Payment

  • Login to the preferred Bank’s Mobile Banking app
  • Click on Pay
  • Then click on UPI Payment
  • Select ‘Send Money’
  • Pay via UPI ID or Account number and HDFC credit card payment IFSC Code
  • Enter the amount, Remarks, and pay

ICICI Bank Credit Card Bill Payment Offline

ICICI Bank also gives the option to make credit card bill payment offline. There are two modes of offline payment- Cash and Cheque/Draft.

Cash- You can make ICICI Bank credit card bill payment in cash by visiting any of the nearest ICICI Bank branches. The payment will be credited on the same day. The bank charges a nominal fee of Rs. 100 + GST for cash payments.

Cheque- You can also make ICICI credit card bill payment by dropping a cheque or draft at the nearest ICICI ATM or bank branch. The cheque or demand draft must be drawn in favour of ICICI Bank Credit Card with the 16 digit credit card number.

The cheque payment from a local ICICI Bank account takes 3 working days while a cheque payment from a local non-ICICI bank is cleared in 5 working days. Outstation cheques from ICICI Bank accounts are cleared in 12 days while outstation cheques from non-ICICI banks are cleared in 21 working days.

ICICI Credit Card Payment Processing Time

The time taken by various methods to process ICICI credit card payment are given below.

Method Processing Time
Internet Banking Same Day
ICICI Mobile Banking Same Day
ICICI Mobile App Same Day
Visa CardPay 2 to 3 working days
NEFT/RTGS 1 working day as per RBI guidelines
ICICI Bill Desk 2 to 3 days
Non-ICICI Bank’s Website Dependent on the chosen bank
UPI Instantaneous

FAQs

Do I need an account in ICICI Bank to make ICICI Bank credit card bill payment?

No, you do not need to have an ICICI bank account to pay your ICICI Bank credit card bill. There are plenty of offline as well as online modes that you can choose to make the payment.

Should I register for Net Banking for my ICICI Bank Account to pay my ICICI Bank credit card bill?

It is not mandatory; however, you can easily pay your credit card bills online with an ICICI Bank account with your net banking ID and password. You do not need to visit an ICICI Bank branch to pay your credit card bill. You can also use your ICICI Bank debit card to make the bill payment.

Can I make my ICICI Bank credit card bill payment on the last day?

It is advisable to make the credit card bill payment in advance to avoid any late payment charges, however, there are a few bill payment services that credit the payment immediately. You can pay through ICICI Bank net banking, NEFT, Call to Pay service, debit card or deposit cash to pay your credit card bill on the last day.

I do not have an ICICI Bank account but I want to pay my ICICI Bank credit card bill online. What should I do?

If you have a net banking service from any one of the ICICI-authorised banks or online payment, you can pay your ICICI credit card bill online. You only need to login to your bank account using your net banking ID and password to pay the credit card bill. You can also make the payment using NEFT (IFSC Code is ICIC0000103; Transaction Code is 52) or Visa Money Transfer (VMT) service.

What is ICICI credit card bill payment IFSC Code?

ICICI Bank credit card bill payment IFSC code is ICIC0000103.

Can I automate my ICICI Bank credit card bill payment?

Yes, you can automate your ICICI bank credit card bill payment by registering for the auto-debit feature on your ICICI Bank account. You just need to submit a mandate form with the necessary details to register for this service. After successful registration, the minimum amount or total due amount will be debited automatically from your ICICI bank account towards the payment of your ICICI bank credit card bill on the due date.

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Vandana Punj
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