ICICI Credit Card Bill Payment Online Offline Mode
ICICI Credit Card Bill Payment Online Offline Mode.ICICI Bank Ltd is one of the largest banks in India which is in the private sector and hence it provides facility of credit card to its customers. The proper way to use the ICICI credit card helps in preserving a high credit score while also eliminating the need to pay additional charges for late payments for interest. Fortunately, there are different types of online and offline payment options offered by ICICI for every type of customers.
As promised in this article, let us go through all the online and offline ways how one can pay their ICICI credit card bill. Whether it is online payment solutions that allow payment to be made from home or the more normal payment methods this guide is for you.
Online Methods for ICICI Credit Card Bill Payment
The online payment channels offered by ICICI include; Such methods are quick, they do not involve middlemen, and are available round the clock, and hence embraced.
1. ICICI Bank Internet Banking
For many people, Internet Banking service provided by ICICI is one of the easiest methods to make payment towards credit card bills.
**Steps:**
– To find the respective link steps to follow are: Step 1 – Log in to your ICICI Internet Banking account.
– Go to the drop-down menu marked as “Payments & Transfers” and look for ‘Credit Cards’.
– Choose the desired and preferred ICICI credit card from the list.
– Select the bank account that you want to charge with the amount of payment you made.
– Input the amount and then proceed to the check out.
**Advantages:**
– The good thing is that one is not required to travel to the bankers physically.
– The advantage of processing and confirmation of the transaction instantly.
2. ICICI Bank iMobile App
There is also the iMobile application which is also another convenient way of making your ICICI credit card bill payment. This aspect implies that the App provides ease in making payments straight from the users’ homes.
**Steps:**
– Open the iMobile App from google play or iTunes store and Login into it.
– Click on the Bill Pay tab on the top of the page in the main menu.
– Looking at the services to pay, select “Credit Card.”
– Select the required ICICI credit card and the account which you want to use for making the payment.
– Please input the amount and finalise the transaction.
**Advantages:**
– It is available, anytime, anywhere.
– Safe and quick along with same day bill payment.
3. NEFT (National Electronic Fund Transfer)
Another way of paying your ICICI credit card bill is through NEFT, should you hold a bank account with another bank.
**Steps:**
– Here’s how to access non-ICICI Bank Internet Banking Service:
– Add your ICICI credit card as a beneficiary using the following details:- Add your ICICI credit card as a beneficiary using the following details:
– Beneficiary Name: Kindly mention Your Name as per the details printed on the ICICI Credit Card.
– Account Number: The following information are necessary to fill in the application: Your ICICI Credit Card Number
– IFSC Code: They include Icic 0000103 which deals with credit card payment transactions.
– Now, you just need to enter the amount and start the NEFT transaction.
**Advantages:**
– In general the idea can be implemented from any bank account not necessarily in ICICI.
– Secure and reliable.
4. BillDesk
BillDesk is a similar online payment mechanism through which any bank’s customer including ICICI can pay the credit card bills.
**Steps:**
– Go to the payment page of the ICICI BillDesk.
– Please input your credit card number, your e-mail address and the amount you want to pay.
– Select your bank account and pay the amount using Net Banking or Debit Card.
**Advantages:**
– Having a choice to pay using any account of a bank.
– Another key benefit of the targeted websites is that its payment interface is relatively easy and secure.
5. UPI (Unified Payments Interface)
This brought upfront payment using UPI as a method for payments on the increase due to the ease with which they can be made. Another important feature that can be used UPI for ease, is the ability to make payment of ICICI credit card bills.
**Steps:**
– >Beneath, follow the given steps: Here, open any of the UPI enabled application such as Google Pay or PhonePe and proceed further.
– Choose the “Pay via UPI” option and enter the ICICI credit card UPI ID in the format: use the format like `yourcreditcardnumber@icici`.
– Take a few details and ensure the payment.
**Advantages:**
– This can be done through any of the UPI application.
– A result of fast-moving monetary exchanges and payments information.
6. Auto Debit Facility
ICICI Bank gives you an option of setting an auto debit facility for payment of your credit card bill. This feature allows the amount on the bill to be directly debited from the saver’s savings or current account on the bill’s due date.
**Steps:**
– Visit the bank’s website through ICICI Internet Banking or go to a branch.
– Open an auto-debit instruction and pay between the total amount due or the minimum amount due.
– Confirm the instruction.
**Advantages:**
– Not worry about when we need to pay.
– Do not pay your bills after the due date so as not to get penalized.
ICICI Credit Card Bill Payment Online Offline Mode
Offline Methods for ICICI Credit Card Bill Payment
Though most of the payment options availed by ICICI are of the internet based, the bank also has various off line methods for doing payments.
1. ICICI Bank Branch
Another way is through making payment at the nearest ICICI branch of the bank that has to do with your credit card number.
**Steps:**
– Go there in the course of the banking hours.
– Complete the following credit card payment form.
– Pay through cash, cheque or Transfer from your ICICI Savings Account.
**Advantages:**
– Instant payment confirmation apart from the general method of having bank deposits confirmed within a week period.
– Available to the kind that likes to do transaction physically.
**Note:** This only applies to Cash payments which may attract a small processing fee.
2.Cheque/Demand Draft Payment
Still, you can make an electronic payment through the use of cheque or demand drafts to your credit card bill.
**Steps:**
– Write the cheque in the favor of “ICICI Bank Credit Card XXXX XXXX XXXX XXXX” which is your credit card number.
– Deposit the cheque in any of the drop boxes of the ICICI bank ATM or deposit it at any of the bank branch.
**Advantages:**
– Ideal for those people who do not transact through the internet banking system.
– Can be done through services that are available in any of the ICICI ATM or branch.
**Note:** When using cheque ensure you dropped it at least 3-4 days before the actual due date in other to avoid delays.
3. ATM Funds Transfer
From the case of the use of IT in ICICI Bank, it is possible to see a number of advantages of using ATMs as a method of credit card bill payment through funds transfer.
**Steps:**
– Go to any of the ICICI Bank ATM.
– Dip your ICICI Bank debit card and then make your choice among the options available, select “Funds Transfer”.
– Select “Credit Card Payment” and then the prompts that follow to effect the payment.
**Advantages:**
– I find it convenient if one is nearby an ICICI ATM.
– The ability to transfer funds and have the transaction confirmed in real time.
4. NEFT/RTGS from Other Banks *Offline.*
You can also fund the account through NEFT or RTGS transaction from other branches of the bank if you do not wish to go online.
**Steps:**
– Go to a branch of your non affiliated bank other than ICICI bank.
– This is presumed from the following points, In case of using cheques give all the information required such as ICICI credit card number, IFSC code and other amount to the bank officers.
– Start the NEFT /RTGS transaction.
**Advantages:**
– Should be possible to be made from any branch of a particular bank.
– Looks good for the users who do not have an account in ICICI bank.
5. Electronic Clearing System (ECS)
ECS is another kind of automatic payment method in which payment amount is directly debited from non ICICI savings account against the credit card bill.
**Steps:**
– Complete an ECS mandate form to your bank for authorizing debiting of the account on monthly basis.
– Decide whether you are to pay the total due or at least the amount in the minimum due [2, p. 4].
**Advantages:**
– Most appropriate especially for people with non-ICICI registered accounts.
– Reduces the chances of paying for a service and forgetting to do so by automating the process.
Things to Keep in Mind
– **Timely Payment:**Try and make sure you pay your ICICI credit card bill by that date so you do not incur the extra charges or the interest.
– **Processing Time:** This is because whereas online payments take time that is usually measured in seconds, payments made via cheques for instance may take days to clear.
– **Auto Debit/ ECS Setup:** A person should always check his bank balance to ensure that the account is not depleted before the date of auto-debit.
– **Transaction Limits:**While some of these payments methods have their limits such as the UPI. Do not let your bill amount go beyond these limits.
Conclusion
Users may use various facilities provided by the bank this is in relation to the credit card bill payment as detailed below. If you enjoy the relative convenience of Internet Banking, Mobile Banking, and UPI, or you still like visiting a branch and you have to write physically cheques, there is no lack of choices.
Paying ones credit card bills is important in ensuring that the credit score is good but also in order to avoid unnecessary penalties. Select the most convenient option of payment and timely payments for making your financial relationship with ICICI Bank, hassle free.