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ICICI Credit Card Rewards

Fast Processing ✓ Great Discounts & Offers ✓ Easy EMI Facility | Apply for Credit Card now!    

How to Earn ICICI Bank Credit Card Reward Points?

If you use an ICICI Bank credit card for your transactions, you are awarded ICICI credit card reward points. You receive these reward points for every purchase you make with your ICICI credit card, be it paying for your online shopping or making bookings for a vacation. The PAYBACK Rewards Program and the Handpicked Rewards Program are the two types of ICICI credit card reward point programmes. You can get one, or perhaps both reward points depending on the type of card you have.

Here is how an ICICI Credit Card holder can earn ICICI reward points:

 

  • Shopping - You can earn PAYBACK reward points by making regular payments at the retail and online stores using an ICICI credit card.

  • High-Value Transactions - If you buy jewellery or make a booking for a staycation via ICICI credit card, you will earn ICICI credit card reward points. Lump-sum transactions help you earn ICICI credit card reward points faster than regular payments.

  • International Excursion - International ICICI credit card transactions help you earn and accumulate credit card reward points faster. You can redeem ICICI credit card reward points on your future travel bookings or regular spending.

  • Utility Bills - Utility bills are considered recurring bills that have to be paid at regular intervals. They are considered as one of the stable mediums to earn ICICI rewards.

  • Supplementary Card - ICICI bank offers two supplementary cards to their credit cardholders. These supplementary cards are also eligible to earn you ICICI reward points on every transaction made. ICICI reward points earned by supplementary credit cards are also accounted for under the main credit card and are eligible for the ICICI credit card reward points redeem process.

  • Accelerated Rewards - On every spend with partnered brands in dining, flight booking, etc., you will receive additional ICICI reward points.

  • Bonus Points - If you spend over ₹1.5 Lakhs in a month with your ICICI credit card, you will earn bonus rewards apart from ICICI reward points.

  • Loyalty Points - On the annual renewal of your ICICI credit card, you will also earn ICICI credit card reward points.

Top ICICI Credit Cards Offering Rewards

ICICI Bank Coral Contactless Card

  • 2 PAYBACK points for every ₹100 spent on your card (except fuel)

  • 1 PAYBACK point for every ₹100 spent on utilities and insurance categories

ICICI Platinum Chip Card – Visa

  • 2 PAYBACK points for every ₹100 spent on your card (except fuel)

  • 1 PAYBACK point for every ₹100 spent on utilities and insurance categories

ICICI Sapphiro Credit Card

  • 2 PAYBACK points for every ₹100 spent on domestic purchases

  • 4 PAYBACK points for every ₹100 spent on international purchases

  • 2 reward points for every ₹100 spent on domestic purchases

  • 4 reward points for every ₹100 spent on international purchases

ICICI Rubyx Credit Card

  • 2 PAYBACK points for every ₹100 spent on domestic purchases

  • 4 PAYBACK points for every ₹100 spent on international purchases

  • 2 reward points for every ₹100 spent on domestic purchases

  • 4 reward points for every ₹100 spent on international purchases

ICICI Bank Expressions Credit Card

  • 3 PAYBACK points for every ₹100 spent on your card (except fuel)

ICICI Emeralde Credit Card

  • 4 PAYBACK points for every ₹100 spent on retail transactions except fuel

  • 1 PAYBACK points for every ₹100 spent on utilities and insurance categories

ICICI HPCL Credit Card

  • 2 PAYBACK Points for every ₹100 spent on retail purchases except for fuel

ICICI MU Signature Credit Card

  • 3 PAYBACK points for every ₹100 spent on domestic retail purchases except for fuel

  • 4 PAYBACK points for every ₹100 spent on international retail purchases except for fuel

  • 5 PAYBACK points for Manchester United match days against every ₹100 spent on retail purchases except for fuel

ICICI MU Platinum Credit Card

  • 2 PAYBACK points for every ₹100 spent on domestic retail purchases except fuel

  • Earn 2 PAYBACK points for every ₹100 spent on international retail purchases except fuel

  • Earn 3 PAYBACK points for Manchester United match days against every ₹100 spent on retail purchases except for fuel

ICICI MMT Platinum Credit Card

  • Earn ₹1 My Cash for every ₹200 spent on domestic purchases made outside MakeMyTrip

  • Earn ₹1.25 My Cash for every ₹200 spent on international purchases made outside MakeMyTrip

  • Earn ₹2 My Cash for every ₹200 spent on flight bookings on MakeMyTrip

  • Earn ₹3 My Cash for every ₹200 spent on hotel/ holiday bookings on MakeMyTrip

ICICI MMT Signature Credit Card

  • Earn ₹1.25 My Cash for every ₹200 spent on domestic purchases other than on MakeMyTrip

  • Earn ₹1.50 My Cash for every ₹200 spent on international purchases other than on MakeMyTrip

  • Earn ₹2 My Cash for every ₹200 spent on flight bookings on MakeMyTrip

  • Earn ₹4 My Cash for every ₹200 spent on hotel/ holiday bookings on MakeMyTrip

** Note - ICICI reward points value is in rupees

1. ICICI Bank credit card reward point is ₹0.25

2. ICICI Bank credit card My Cash is ₹1

How to Redeem ICICI Bank Reward Points

There are online and offline options available to redeem ICICI reward points. You can opt for any of the following mediums mentioned below at your convenience.

PAYBACK Website/App

  • Step 1: Open the official portal or mobile application for PAYBACK

  • Step 2: Register your account using primary details

  • Step 3: Check the reward points on the top right corner of the screen

  • Step 4: Open the Rewards Catalogue Section

  • Step 5: Select the ‘Redeem Instant Voucher’

  • Step 6: Accept the delivery of the coupon

  • Step 7: The App will send OTP to authenticate your redemption order

  • Step 8: You will receive your voucher code. Enter the voucher code on your purchase transaction to avail of reward benefits

You can also shop directly from partnered brands via the PAYBACK app or website.

 

  • Step 1: Open the official portal or mobile application for PAYBACK

  • Step 2: Open the Rewards catalogue section

  • Step 3: Under the ‘Shop & Earn’ section, select the partnered brands you wish to shop from

  • Step 4: Select the product and add the product to the cart

  • Step 5: Use PAYBACK vouchers at the payment gateway

Partner Stores

ICICI bank credit card reward points redemption can be done online and offline at partner stores. You will be required to provide your card number and registered mobile number during the billing process.

Net Banking

Net banking is one of the preferred options for the ICICI credit card reward points redemption process.

Follow these quick and simple steps to redeem your ICICI rewards -

 

  • Step 1: Log into your ICICI net banking account using your login credentials

  • Step 2: Under the credit cards section, select ‘Rewards Points’

  • Step 3: A sub-menu will appear. Click on ‘ Redeem Online’

  • Step 4: Select the product from ICICI bank credit card rewards catalogue

  • Step 5: Check ICICI reward points before submitting purchase request

  • Step 6: The bank will generate order ID for future use

Customer Care

You can redeem your ICICI bank credit card reward points via ICICI credit card customer care services.

  • For ICICI reward redemption in cash: 080-4014-6444

  • For ICICI reward redemption in gift/voucher: 1860-258-5000

The customer care executive will assist you in purchasing the product via PAYBACK voucher. The executive will generate an order ID for future use.

How are the reward points calculated?

Depending on the type of card you own, the number of ICICI credit card reward points that you get to earn on a transaction may vary. Some transactions allow you to earn just one reward point, while other transactions at certain specified partner stores give you multiple reward points. 

 

For instance, let’s say that you own an ICICI credit card that offers 1 reward point for every ₹100 spent online and 5X reward points for every ₹100 spent on partner stores. Now, assume that you spend ₹10,000 online and ₹15,000 on partner stores. 

 

You will earn 100 reward points for your online transaction [1 reward point * (₹10,000 ÷ ₹100)] and 750 reward points on the transaction made at the partner store [5 reward points * (₹15,000 ÷ ₹100)]. 

What can you Purchase With Your ICICI CC Reward Points?

Your ICICI CC reward points can be used to purchase various commodities and services. Check out the list below -

 

  • Merchandise Products - You can choose from a wide range of products from different categories in the ICICI credit card reward points catalogue. You can have one or multiple products as per your ICICI credit card reward points redemption.

  • Gift - ICICI bank credit card reward points redemption can be done in the form of gift vouchers worth ₹100- ₹5,000. You can redeem ICICI reward points at partner stores to buy apparel, bags, etc. or purchase cashback or discount coupons

  • Air Miles - You can redeem your ICICI credit card reward points while making hotel and flight bookings.

  • Cashback - You can also choose ICICI credit card reward points to convert to cash feature under the ICICI reward points redemption program.

  • Charity - ICICI bank also funds social causes like Midday meals, awareness camps, etc. You can choose to donate your ICICI reward points for a social cause.

ICICI Bank Credit Card Rewards Catalogue

Here is a list of vouchers which you can redeem against ICICI reward points:

Partner

Value (in ₹)

Points Required

Amazon

1000

1500

Arrow

500

620

Flipkart

1000

1450

Levis

501

636

Zodiac

500

650

GiveIndia

1100

1600

Fabindia

1000

1250

Lifestyle

1000

1250

Mainland China

1000

1250

Nike

1000

1250

Omega Constellation Watch

NA

2,00,000

Rules and Regulations for ICICI Credit Card Reward Points

If you possess an ICICI credit card or are planning to get one for yourself in the near future, here are a few things that you need to keep in mind. 

 

  • The reward points scheme may not be applicable to every ICICI credit cardholder. 

  • You can make use of this scheme right from the date of card activation. 

  • To redeem ICICI credit card points, you will have to pay a small handling fee of ₹99 plus taxes for every redemption request. 

  • You can redeem your accumulated reward points by calling the bank’s customer care cell or by logging into your credit card account online. 

  • The number of ICICI credit card reward points you’ve earned, accumulated and redeemed will be listed on every monthly statement that you receive. 

  • The rewards against which you can redeem your accumulated points may change from time to time. 

  • Once you place an ICICI credit card points redeem request, the requisite number of points will be instantly reduced from your current balance. 

  • In the case of discontinuation or cancellation of your ICICI credit card, you will lose all of the unused reward points. 

  • The reward points that you earn on your card cannot be transferred to any other credit card.

FAQs about ICICI Bank Credit Card Reward Points

  • ✔️What is the value of 1 ICICI reward point?

    The value of 1 ICICI reward point is ₹0.25

  • ✔️Can I use my ICICI reward points to settle my credit card bills?

    Settling credit card bills from rewards points is an exclusive feature that is not available in all ICICI credit cards.

  • ✔️Will my ICICI reward points expire?

    Yes, your ICICI reward points will expire if you do not have your account under the ICICI hand picked credit card reward program.

  • ✔️Can I cancel my ICICI reward point redemption request?

    No, you cannot cancel your request to redeem ICICI credit card points.

  • ✔️What are the different ICICI Credit Card Reward Point Programmes?

    There are two types of ICICI credit card reward programmes available for ICICI credit cardholders. Both programmes have their unique features and use. The credit cardholders have the option to select from these two options to avail of maximum benefits. Here are the details of the two programmes.

  • ✔️ICICI Handpicked Credit Card Reward Programme

    • You earn ICICI reward points on all spendings

    • ICICI reward points come with no expiry date

    • Enriches your ICICI bank premium credit card membership

    • Exclusive redemption offers on a premium range of products and services in fashion, travel, dining, etc.

    • Pocket-friendly deals on international travel and flight bookings

  • ✔️ICICI PAYBACK Credit Card Reward Programme

    • he users enjoy multi-brand rewards system popularly known as loyalty programme

    • Earn ICICI reward points on purchases in every category

    • ICICI credit card reward points on all online and retail purchases

    • Amazing offers on redemption of ICICI credit card reward points 

  • ✔️How can I redeem ICICI Reward Points as Air Miles?

    There are two ways to redeem your ICICI reward points as Air Miles -

    • The ICICI PAYBACK reward programme converts your ICICI rewards points into JP Miles. To convert into JPMiles, you can contact the customer support centre at 1860-258-5000. You can also visit the official portal of ICICI PAYBACK reward to redeem ICICI credit card points.

    • The ICICI Handpicked reward programme converts your reward points into InterMiles, however you need around 300 reward points to avail of 200 InterMiles.

    You can also visit the Bajaj Markets app or official portal for ICICI credit card reward points redemption, and enjoy all perks and benefits.

  • ✔️How long does it take to handle a request for redemption?

    Usually, it takes up to 10 working days from the date of placing the ICICI credit card points redeem request to process the same.

  • ✔️When there are several Payback accounts, can they be merged?

    Yes. You can merge multiple PAYBACK accounts. You can contact the customer care cell of PAYBACK at 1860-258-5000 to place a request for the same.

  • ✔️Can I convert my Payback points to JPMiles?

    Yes. It is possible to convert your PAYBACK points into JPMiles. To do so, all that you need to do is select the JPMiles rewards from the rewards catalogue while redeeming your points. Alternatively, you can also contact the PAYBACK customer care cell at 1860-258-5000 to place a conversion request.