ICICI Bank Credit Card Payment

ICICI Credit Card Bill Payment

It is fairly easy to make your ICICI Credit Card payment. It can be done instantly and swiftly. There are two broad categories for making these payments. Payments can be made both through online and offline modes. It is recommended that you opt for online methods to make your ICICI Credit Card payments as it will save you time and energy. 

ICICI Bank offers you a large variety of credit cards according to your budget and spending interests. You can make ICICI Bank Credit Card payments instantly for utility bills, travel bookings, etc., without hassle. You can also use the ICICI Credit Card payment options to clear your dues in the banks via online and offline methods.

Here is a list of various online and offline methods through which you can make your ICICI Credit Card payment.

ICICI Bank Credit Card Bill Payment- Online Mode 

With credit cards customised to the user’s needs, ICICI Credit Cards are considered to be one of the best in the country. Be it shopping, dining, or travelling, you can get benefits on every swipe with an ICICI Credit Card. 

For ICICI Bank Account Holders

ICICI Bank account holders can opt for any of these online payment methods for their ICICI Credit Card -\

A. Net Banking

There are different options available under the net banking method for making ICICI Credit Card payments. 

1. Quick Pay Option 

• Step 1: Visit the official website of ICICI Bank

• Step 2: Log into your net banking account using your credentials

• Step 3: Select the ‘Payment and Transfer’ option from the menu

• Step 4: Click on the ‘Quick Pay’ option 

• Step 5: You will be redirected to a new page, where you will need to enter your credit card details 

• Step 6: Enter the OTP to authenticate your transaction

• Step 7: Click on ‘Submit’ to complete the ICICI bill payment

2. Biller Registration Option 

• Step 1: Visit the official website of ICICI Bank

• Step 2: Log into your net banking account using your credentials

• Step 3: Select the ‘Payment and Transfer’ option from the menu

• Step 4: Click on the ‘Manage Biller’ option

• Step 5: You will be redirected to a new page, where you will need to enter your credit card details for registration purposes

• Step 6: Initiate the online payment of your ICICI Bank Credit Card bill after the registration procedure is completed

• Step 7: Enter the OTP to authenticate your transaction

• Step 8: Click on ‘Submit’ to complete the ICICI bill payment

3. Visa Money Transfer Option

• Step 1: Visit the official website of ICICI Bank

• Step 2: Log into your net banking account using your credentials

• Step 3: Select the ‘Fund Transfer’ option from the menu

• Step 4: Complete your and the recipient’s registration details

• Step 5: Initiate the online payment of your ICICI Bank Credit Card bill after the registration procedure is completed

• Step 6: Enter the OTP to authenticate your transaction

• Step 7: Click on ‘Submit’ to complete the ICICI bill payment

Note - This ICICI Bank CC bill payment option is available only for ICICI Visa Credit Card users.

B. iMobile App

• Step 1: Download the official ICICI Bank iMobile app on your device

• Step 2: Log into your account using your credentials 

• Step 3: Select the ‘Credit Card’ option from the menu

• Step 4: Click on the ‘Pay Now’ option 

• Step 5: Mention the ICICI Credit Card payment details to initiate the transaction

• Step 6: Enter the MPIN to complete the ICICI Bank Credit Card bill payment

C. UPI 

• Step 1: Open the UPI app on your device

• Step 2: Enter your credit card details

• Step 3: Click on ‘Verify’ to authenticate credit card details

• Step 4: Generate scan code after authentication

• Step 5: Scan the UPI QR code to initiate the payment in iMobile or any other payment apps

• Step 6: Mention the amount and enter the UPI transaction PIN to complete the ICICI bill payment 

D. NEFT

To make an ICICI Bank Credit Card Payment by NEFT, you will have to make a transaction from an ICICI savings account - 

• Step 1: Visit the official website of ICICI Bank

• Step 2: Log into your net banking account using your credentials

• Step 3: Select ‘Add Beneficiary’ option from the ‘Fund Manager’ menu

• Step 4: You will be redirected to a new page, where you can enter the beneficiary details like account details, IFSC code, etc.

• Step 5: After the details are entered, the bank takes 24 hours for authentication and beneficiary payment activation

• Step 6: Select the ICICI Credit Card bill payment NEFT option, after the beneficiary payment is activated

• Step 7: Enter the amount for the NEFT transaction

• Step 8: Enter the OTP to authenticate your transaction

• Step 9: Click on ‘Submit’ to complete the ICICI bill payment

E. IMPS

• Step 1: Visit the official website of ICICI Bank

• Step 2: Log into your net banking account using your credentials

• Step 3: Select ‘Add Beneficiary’ option from the ‘Fund Manager’ menu

• Step 4: You will be redirected to a new page, where you can enter the beneficiary details like account details, IFSC code, etc.

• Step 5: Select ICICI Credit Card IMPS payment option once the registration process is completed

• Step 6: Enter the amount for the IMPS transaction

• Step 7: Enter the OTP to authenticate your transaction

• Step 8: Click on ‘Submit’ to complete the ICICI bill payment

F. BillDesk

You can make an ICICI Bank Credit Card payment online via the BillDesk platform by following the steps outlined below.

• Step 1: Visit the ICICI Bank BillDesk website. 

• Step 2: Enter details such as your credit card number, your email ID and the amount you wish to pay.

• Step 3: Select the bank from the options in the drop-down menu and proceed.

• Step 4: You will be redirected to your bank’s net banking portal.

• Step 5: Log into the portal and complete the payment.

Note: The payment may take anywhere from 3 to 5 business days to get reflected on your credit card account. 

G. Debit Card 

If you have an ICICI Debit Card, you can use it at an ICICI Bank ATM to pay your credit card bill. Check out the steps that you would have to follow.  

• Step 1: Visit an ICICI Bank ATM. 

• Step 2: Insert your ICICI Debit Card into the ATM. 

• Step 3: Select ‘More Options’ on the screen.

• Step 4: Select ‘Pay Credit Card Bill’.

• Step 5: Enter the amount. 

• Step 6: Enter your debit card PIN and complete the payment. 

That’s it. The amount will be debited from your ICICI Bank savings account and credited to your credit card account.

H. Auto Debit

You can set up auto debit by filling out and submitting the mandate form at an ICICI Bank branch. Alternatively, you can also register for auto debit by logging into the ICICI Bank internet banking portal. 

When setting up auto debit, you can choose to pay either the entire outstanding amount or just the minimum amount due. Once the auto-debit registration is complete, your ICICI Bank Credit Card payment will be made automatically on the due date by debiting your ICICI Bank account. 

I. Call to Pay

The ‘Call to Pay’ service is available to all ICICI Bank account holders. You can use this service to instantly pay your ICICI Credit Card dues. All that you need to do is call the bank’s customer care service helpline and follow the IVR instructions. 

For Non-ICICI Bank Account Holders

While the ICICI Bank account holders surely have an edge, there are many easy payment options available for non-ICICI account holders as well. Let us take a look at the multiple ICICI Bank Credit Card payment options.

1. NEFT

If you have a non-ICICI Bank account, you can ensure that your credit card bills are paid via NEFT through the internet banking platform. Here is what you need to do to make an ICICI Credit Card payment online through NEFT. 

• Step 1: Log into your bank’s internet banking portal.

• Step 2: Navigate to the transfers section of the portal. 

• Step 3: Select the add a beneficiary/payee option. 

• Step 4: Enter your card’s 15-digit or 16-digit number in the ‘Account Number’ field.

• Step 5: Enter ‘ICIC0000103’ in the IFSC field and complete the process.

• Step 6: Once the beneficiary is added successfully, navigate to the transfers section of the portal once again. 

• Step 7: Select ‘NEFT’ as the mode of transfer.

• Step 8: Enter the credit card bill amount and complete the transfer. 

2. RTGS

Alternatively, you can also make your ICICI Credit Card payment through RTGS. Here’s what you would have to do in this case. 

• Step 1: Log into your bank’s internet banking portal.

• Step 2: Go to the transfers section of the portal. 

• Step 3: Add your credit card as a beneficiary/payee by entering your card’s 15-digit or 16-digit number in the ‘Account Number’ field.

• Step 4: Enter ‘ICIC0000103’ in the IFSC field and add the beneficiary. 

• Step 5: Go to the transfers section of the portal once again. 

• Step 6: Select ‘RTGS’ as the mode of transfer.

• Step 7: Enter the amount that you wish to pay and complete the transfer.

Note: RTGS has a minimum transfer amount of ₹2 Lakhs. Therefore, you can only use this option if your outstanding credit card bill amount is ₹2 Lakhs or more. 

3. Visa Money Transfer

If you have a Visa credit card from ICICI Bank, you can make use of the Visa Money Transfer option to pay your bills. The process that you need to follow to use this option may vary slightly from one bank to another. Once you make the ICICI Bank Credit Card payment using Visa Money Transfer, the amount will be credited to your credit card account within 3 working days. 

4. UPI

If you use the Unified Payments Interface (UPI), you can quickly pay your ICICI Credit Card dues by following the steps outlined below. 

• Step 1: Open your preferred UPI-enabled smartphone app.

• Step 2: Select the pay UPI ID option. 

• Step 3: Fill in the UPI ID for your ICICI Credit Card in this format - “ccpay.your credit card number@icici”.

• Step 4: Enter the amount and complete the payment. 

5. Scan to Pay 

With Scan to Pay, you can effortlessly make ICICI Credit Card payments by scanning a QR code on your smartphone. Here are the steps that you would have to follow. 

• Step 1: Visit the ICICI Bank Scan and Pay webpage. 

• Step 2: Click on the ‘Proceed’ button. 

• Step 3: Enter your ICICI Bank credit card number on both the text boxes and click on the ‘Verify’ button. 

• Step 4: Enter the amount that you wish to pay and click on the ‘Generate QR Code’ button. 

• Step 5: Scan the generated QR code using a UPI smartphone app and complete the payment.

6. Click to Pay 

Click to Pay allows you to make an ICICI Credit Card payment online through your bank’s net banking portal. However, keep in mind that this payment method only supports select banks. The steps that you need to follow to use the Click to Pay feature have been listed below.

• Step 1: Visit the ICICI Bank Click to Pay webpage. 

• Step 2: Select your bank from the drop-down list. 

• Step 3: Enter the details such as your card number and the amount that you wish to pay.

• Step 4: You will be redirected to the internet banking portal of your bank. 

• Step 5: Log into the portal using your user credentials and complete the payment. 

ICICI Bank Credit Card Bill Payment- Offline Mode 

ICICI Bank account holders can opt for any of these offline payment methods for their ICICI Credit Card payment:

1. ATM

• Step 1: Visit the nearest ATM

• Step 2: Swipe your debit card, enter the debit card PIN, choose the option ‘More Options’ on the screen and then click on ‘Credit Card Payment’ option

• Step 3: Enter the card details with the amount and click on yes

• Step 4: Your bill amount will be instantly debited from your debit card

2. Cash/ Cheque

You can write a cheque or pay cash by visiting the nearest ICICI Bank branch or you could also drop the cheque in the ATM cheque drop-box. Cash can be paid to make an instant payment by dropping it at the bank counter. It is to be noted that a processing fee may be charged for using this method of clearing your dues.

3. Bank Branch

You can quickly pay your credit card bill by visiting an ICICI Bank branch. Once you’re there, simply fill up a deposit form and hand it over along with the cash to the bank’s teller. You will receive a counter-stamped receipt as proof of having made the payment. However, keep in mind that you will be levied a cash payment fee of ₹100 for every payment transaction. 

4. Customer Care 

If you have an ICICI Bank savings account, you can make an ICICI Credit Card payment by calling the bank’s customer care cell and following the IVR instructions. 

Processing Time for the Different ICICI Bank Credit Card Payment Modes