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Credit Card Bill Payment Options for banks across India
Credit cards have become a very useful tool for people to complete their daily transactions like paying utility bills, paying mobile bills, buying groceries etc. Gone are the days when credit cards were only used for buying airline tickets or similar large transactions. People now days have understood how credit cards can be used to move credit and thus many have multiple cards from various banks to avail the benefits provided by each card issuer.
ICICI bank offers some of the best credit cards in the industry. They have customized credit cards which cater to various people for their varied needs be it shopping, travel, restaurant as well as corporate cards. ICICI cards have varying rewards and benefits for each card while some cards give amazing amount of cashback for various transactions while some cards give reward points which can be used later to redeem to get a great offer from ICICI.
ICICI also provides many modes to maintain and payment option of your credit card which the customer can choose according to their convenience.
The two main options are classified as online and offline mode of payment which are further classified into multiple features that a customer can use to pay off their credit card dues.
With the world going digital many people prefer paying their bills through online mediums. ICICI has also understood this trend and setup multiple ways that a person can pay their credit card bills.
To utilize the ICICI Net Banking facility, ICICI bank’s savings and current account holders must register for this service. Only after registration, online payments can be done by customers. Customers can also link their ICICI Bank credit cards to Net Banking account, after logging into their ICICI Net Banking account. The ATM pin needs to be used to link the ICICI Bank credit card to the Net Banking account.
Customers can access or view their ICICI bank credit card information, credit card statements and unbilled transactions through the net banking facility for up to six months. All the Net Banking account will detail the billed/unbilled transactions, credit limit, due dates, reward points earned and outstanding dues. In case of loss or theft of credit cards customers can use the Hot listing facility available under the Net Banking facility to block you card and request for card replacements for which ICICI will charge a fee of Rs. 100.
To pay your credit card dues log in to the net banking facility through the bank website and go into the credit card tab and select the “Credit Card Payment Option”. Pay your bills using your ICICI bank savings account.
ICICI Bank credit card users can also use the ICICI Bank Mobile Banking application to make outstanding bill payments. Customers need to download the app on their mobiles and after installation use their customer ID to log into the app. It has all the features that are present in the Net banking portal. To pay of the credit card dues the user needs to go into the credit card tab and select the “Credit Card Payment Option”. With highly enhanced security for credit card accounts using 128-bit SSL protection a user can pay or transact for anything from anywhere accessing their savings account using the Mobile app.
With large network of ATMs available across the country ICICI customers can pay credit card bills through any one of these ATMs. This service is 24/7 made available to ICICI bank customers. The outstanding amount available on a ICICI Bank credit card can be transferred from a savings account or a current account to the customer’s credit card account.
Autopay:If you are worried that you might forget to pay your credit card bills, which is a very big problem for people with multiple credit cards then as a ICICI bank customer you can pay your outstanding credit card bills using the Autopay option to set standing instructions for auto debits on their ICICI Bank accounts.The total monthly outstanding amount or the minimum amount due on the ICICI Bank credit card can be repaid using the Autopay facility. The ICICI Bank savings account should be held by a single customer or as a joint account, with an ‘either’ or 'any' signing mandate.
If you are worried that you might forget to pay your credit card bills, which is a very big problem for people with multiple credit cards then as a ICICI bank customer you can pay your outstanding credit card bills using the Autopay option to set standing instructions for auto debits on their ICICI Bank accounts.
The total monthly outstanding amount or the minimum amount due on the ICICI Bank credit card can be repaid using the Autopay facility. The ICICI Bank savings account should be held by a single customer or as a joint account, with an ‘either’ or 'any' signing mandate.
You do not necessarily open an ICICI Bank account to have an ICICI credit card, you can also pay your credit card bill using a non-ICICI Bank account. There are several ways that a person with a ICICI credit card can pay their credit card bills through online transactions using other bank accounts. This convenient way of paying your ICICI Bank credit card bill through other banks works for ICICI as well as other banks.
There are plenty of online modes of ICICI Bank credit card bill payment to clear your credit card dues using a non-ICICI bank account. Some of them are mentioned here.
You can pay your ICICI Bank credit card bill from any other bank account by using the NEFT facility. The instructions may vary slightly in different banks, but, in most cases you need to add your credit card number as the payee account number to make the payment through NEFT. Any payments made during the working hours on a weekday are credited on the same day while the payments made after working hours are credited on the next business day. To pay your bills use the IFSC code, to make NEFT payments towards your ICICI Bank credit cards.
For people who like to use their credit cards for large transactions, you can pay your credit card bills in one go using the RGTS mode even if they do not hold an ICICI Bank account. All you need to have is your net banking activated on your non-ICICI Bank account to carry out an RTGS transaction. Through RGTS, you can make payments for Rs. 2 lakhs and more. Any RTGS transactions are executed individually unlike NEFT which are processed in batches.
This option can be used by customers who do not have an ICICI account to pay their credit card bills in just four simple steps
Step 1: Customers must first select the bank they have account, through whom they would like to make the payment for their ICICI Bank credit card. All the banks will be given under a dropdown list.
Step 2: The next step is to provide the required card details like card type, sixteen-digit ICICI Bank credit card number and the amount that has to be paid. The customer will be directed to a secure payment interface of the selected bank.
Step 3: The necessary authentication details like Net banking user ID and password of customers bank account needs to be entered to confirm payment. After the amount has been confirmed by the customer, the concerned bank account will immediately get debited.
Step 4: A Transaction Reference Number and online confirmation will be provided to the customer after the payment transaction has been completed.
It will take 3 days for the paid amount to be realized by ICICI. So, customers need to pay the money 3 days in advance before the due date.
In case you don’t have a ICICI bank account you can pay your credit card bills by logging into your bank’s online payment portal using your unique net banking id and password and transfer the due amount. The process is very simple and consists of many more options including NEFT and RTGS. The bill payment will take 2 working days to be credited to your ICICI bank account.
There are many people who still consider paying their bills the traditional way. This could be due to two reasons – either they are not comfortable with the online methods or they don’t have access to the online payment modes. Either way they prefer to pay their bills offline. For such people ICICI provides multiple ways by which any individual can pay their credit card dues.
You can pay your credit card bills by paying in cash at any one of the ICICI bank branches nearest to you in your city. A processing fees of Rs. 100 per payment along with service tax will be charged by the bank when you pay your credit card bill.
If you prefer to pay you’re your credit card bills using cheques then you can do so in the same way as you would pay your credit card bills by paying cash. You can also drop of the cheques mentioning your credit card number and other required details at ICICI bank ATMs where there are drop boxes for this purpose. The payment will get cleared within 3 working days.
1. Do customers need to register for the “Click to Pay” service offered by ICICI Bank?
No, customers do not have to register with ICICI Bank to use the Click to Pay service.
2. Does ICICI Bank impose any payment limit when credit card bills are paid online?
Yes, the amount that is being paid should be equal to the Total Amount Due or lesser, as per mentioned in the statement.
3. What happens if a customer pays excess in different transactions for a single debit card?
Customers can get the excess amount in their credit balance. A request for a refund can be placed by logging a complaint with the ICICI Bank customer care.
4. How long does it take for credit card payments to reflect in the card account?
Any payment that has been made will be available in the card account statement in three working days.
5. Can customers make payments for their outstanding credit card bills when they are travelling abroad?
Yes, credit card bill payments can be made from anywhere across the globe. If a debit card is used for making the payment, then the card from where the payment is being received should be a domestic card.
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