ICICI Credit Card

You must immediately sign the ICICI Credit Card as you receive it. You should not leave the receipt behind when using your credit card at an ATM. Do not share the credit card statement, receipts or carbons with anyone. Shred them before throwing away. Do not fall for fake offers that require you to disclose important details of your credit card. Remember to take your credit card back after making any purchases. Always keep a list of ICICI Bank credit card customer care number, if in future the card is lost or stolen. Always check the monthly statement sent to you to make sure that all the charges shown are correct and no unauthorized amount has been charged to your card.

The first thing to do is to let the card issuer i.e. ICICI Bank know about the loss of the card by calling on their customer care number. Once they are informed about the loss of your card, the bank will automatically hotlist the card and block it before initiating the process of issuing a new credit card. This same action can be performed through SMS as well if you are using your mobile phone which is registered with ICICI Bank.

You can make ICICI Credit Card payments through both online and offline modes. To pay your bill online, you can use facilities like net banking, mobile banking ICICI Bank mobile app, Billdesk and debit card. However, if you want to pay your card bills offline, then you can visit any of the nearest branch and pay via cheque or cash.

The bank rejects your application if you don't meet the eligibility criteria set by the bank. Usually, the bank informs you regarding your current application status by sending a message on your registered mobile number. Besides this, you can also track your application status online using your application number. If you want to track your status offline, then you can call on the customer care number of the bank and ask the representative about your application status.

The customer has to pay the interest on the total amount due which is not paid on the due date. The interest is charged on the total outstanding amount and also on the fresh transactions made till date as the previous outstanding amount is required to be paid in full. The interest is also levied on the cash advances from the date of the transaction to the due date.

If the customer makes the transaction that exceeds the available credit limit, it totally depends upon the ICICI bank whether to approve the transaction or not. If the transaction is approved, then an over-limit charge of 2.5% of the amount which exceeds the credit limit is taken.

If at a point the customer feels the need to increase the credit limit for higher purchase, he/ she can avail temporary credit limit enhancement. The customer is required to call the customer care centre of the bank and make the request. ICICI Bank may or may not increase the credit limit, depending on your eligibility and repayment capacity. This facility is only available after the nine months of membership and the credit history of the customer.

When the customer receives his monthly bill statement, he has the flexibility of payment options: he can either pay the total amount due, or pay only the minimum amount due or he can also pay any amount between the ‘minimum amount due’ or the ‘total amount due’. So, if he opts for either of the last two options, then the unpaid amount due is carried forward to the next billing cycle. This is known as the revolving credit facility.