www.icicibank.com Open in urlscan Pro
2a02:26f0:6c00:190::22a6  Public Scan

Submitted URL: https://www.icicibank.com/Personal-Banking/cards/digital-credit-card/mitc-paylater-tnc.page
Effective URL: https://www.icicibank.com/personal-banking/cards/digital-credit-card/mitc-paylater-tnc
Submission: On February 04 via api from QA — Scanned from DE

Form analysis 2 forms found in the DOM

Name: qa-callback-formPOST

<form id="lead-form-1" name="qa-callback-form" method="post" ajax-page="/content/icicibank.apigee.json?">
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        </svg>
      </div>
      <div class="input-box">
        <input type="text" placeholder="First name" class="input-name" id="qa-fname" name="fname" autocomplete="off" tabindex="0">
      </div>
      <span id="fname-err" class="error-txt">This field is required</span>
      <span id="fname-num-err" class="error-txt">Only alphabetes are allowed</span>
    </div>
    <div class="input-group">
      <div class="icon">
        <svg width="18" height="21" viewBox="0 0 18 21" fill="none" xmlns="http://www.w3.org/2000/svg">
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            fill="#3D3D3D"></path>
        </svg>
      </div>
      <div class="input-box">
        <input type="text" placeholder="Last Name" class="input-name" id="qa-lname" name="lname" autocomplete="off" tabindex="0">
      </div>
      <span id="lname-err" class="error-txt">This field is required</span>
      <span id="lname-num-err" class="error-txt">Only alphabetes are allowed</span>
    </div>
  </div>
  <div class="form-group">
    <div class="input-group">
      <div class="icon">
        <svg class="mob-svg" width="17" height="23" viewBox="0 0 17 23" fill="none" xmlns="http://www.w3.org/2000/svg">
          <path d="M13.8437 1H3.15363C1.97284 1 1.01562 1.94091 1.01562 3.10159V19.9143C1.01562 21.075 1.97284 22.0159 3.15363 22.0159H13.8437C15.0245 22.0159 15.9817 21.075 15.9817 19.9143V3.10159C15.9817 1.94091 15.0245 1 13.8437 1Z"
            stroke="#4B4B4B" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="round"></path>
          <path d="M8.49219 17.8125H8.50189" stroke="#4B4B4B" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path>
        </svg>
      </div>
      <div class="input-box">
        <input type="text" placeholder="Your Mobile Number" class="input-mobile" id="qa-mob-num" name="mob-num" autocomplete="off" tabindex="0" maxlength="10">
      </div>
      <span id="mob-err" class="error-txt">Please enter valid number</span>
    </div>
    <div class="input-group">
      <div class="icon">
        <svg width="18" height="12" viewBox="0 0 18 12" fill="none" xmlns="http://www.w3.org/2000/svg">
          <path
            d="M15.9757 0H1.53942C0.690583 0 0 0.690583 0 1.53942V10.4606C0 11.3094 0.690583 12 1.53942 12H15.9757C16.8246 12 17.5152 11.3094 17.5152 10.4606V1.53942C17.5152 0.690583 16.8246 0 15.9757 0ZM15.7748 1.02628L15.5694 1.19736L9.36835 6.36094C9.01442 6.65562 8.50066 6.65562 8.1468 6.36094L1.94579 1.19736L1.74033 1.02628H15.7748ZM1.02628 1.76718L6.07872 5.97434L1.02628 9.33688V1.76718ZM15.9757 10.9737H1.53942C1.29147 10.9737 1.08409 10.7969 1.03658 10.5628L6.90159 6.65952L7.49012 7.1496C7.85732 7.45537 8.30748 7.60825 8.75761 7.60825C9.20774 7.60825 9.65786 7.45537 10.0251 7.1496L10.6136 6.65952L16.4786 10.5628C16.4311 10.797 16.2237 10.9737 15.9757 10.9737ZM16.4889 9.33688L11.4364 5.97438L16.4889 1.76718V9.33688Z"
            fill="#3D3D3D"></path>
        </svg>
      </div>
      <div class="input-box">
        <input type="text" placeholder="Email" class="input-email" id="qa-email" name="email" autocomplete="off" tabindex="0">
      </div>
      <span id="email-err" class="error-txt">Please enter valid email</span>
    </div>
  </div>
  <div class="form-group">
    <div class="input-group multiselect-dropdown">
      <div class="icon">
        <svg width="20" height="19" viewBox="0 0 20 19" fill="none" xmlns="http://www.w3.org/2000/svg">
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            fill="#3D3D3D"></path>
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            d="M0.396676 5.34363C0.251002 5.34363 0.111662 5.26366 0.0419916 5.12512C-0.0561801 4.92956 0.0237823 4.69205 0.219334 4.59388L9.3303 0.0415646C9.44193 -0.0138549 9.57335 -0.0138549 9.68419 0.0415646L18.7825 4.59388C18.978 4.69205 19.0572 4.92956 18.9598 5.12512C18.8617 5.32067 18.6249 5.39905 18.4286 5.30246L9.50764 0.838022L0.574019 5.30167C0.517016 5.33017 0.456846 5.34363 0.396676 5.34363Z"
            fill="#3D3D3D"></path>
          <path
            d="M14.2522 11.8748C14.0336 11.8748 13.8563 11.6975 13.8563 11.479V7.3692L4.97652 2.92614C4.78097 2.82876 4.70179 2.59046 4.79997 2.39491C4.89814 2.19936 5.13565 2.12098 5.3312 2.21757L14.4295 6.76988C14.5633 6.83797 14.648 6.97494 14.648 7.12457V11.479C14.648 11.6975 14.4707 11.8748 14.2522 11.8748Z"
            fill="#3D3D3D"></path>
        </svg>
      </div>
      <div class="input-box quick-action-select">
        <select id="product-type" name="product-type[]" class="product-type jqmsLoaded ms-list-1" multiple="multiple" style="display: none;">
          <option value="AL"> Auto Loan </option>
          <option value="PL"> Personal Loan </option>
          <option value="HL"> Home Loan </option>
          <option value="CC"> Credit Card </option>
          <option value="SIP"> Insta SIP </option>
          <option value="MFSIP"> Mutual Funds </option>
          <option value="MSIP"> Money Coach </option>
          <option value="ELSS"> ELSS </option>
        </select>
        <div id="ms-list-1" class="ms-options-wrap"><button type="button"><span>Select product type</span></button>
          <div class="ms-options" style="min-height: 200px; max-height: 1180px;">
            <ul style="column-count: 1; column-gap: 0px;">
              <li data-search-term="auto loan"><label for="ms-opt-1"><input type="checkbox" title="
                      Auto Loan
                    " id="ms-opt-1" value="AL"> Auto Loan </label></li>
              <li data-search-term="personal loan"><label for="ms-opt-2"><input type="checkbox" title="
                      Personal Loan
                    " id="ms-opt-2" value="PL"> Personal Loan </label></li>
              <li data-search-term="home loan"><label for="ms-opt-3"><input type="checkbox" title="
                      Home Loan
                    " id="ms-opt-3" value="HL"> Home Loan </label></li>
              <li data-search-term="credit card"><label for="ms-opt-4"><input type="checkbox" title="
                      Credit Card
                    " id="ms-opt-4" value="CC"> Credit Card </label></li>
              <li data-search-term="insta sip"><label for="ms-opt-5"><input type="checkbox" title="
                      Insta SIP
                    " id="ms-opt-5" value="SIP"> Insta SIP </label></li>
              <li data-search-term="mutual funds"><label for="ms-opt-6"><input type="checkbox" title="
                      Mutual Funds
                    " id="ms-opt-6" value="MFSIP"> Mutual Funds </label></li>
              <li data-search-term="money coach"><label for="ms-opt-7"><input type="checkbox" title="
                      Money Coach
                    " id="ms-opt-7" value="MSIP"> Money Coach </label></li>
              <li data-search-term="elss"><label for="ms-opt-8"><input type="checkbox" title="
                      ELSS
                    " id="ms-opt-8" value="ELSS"> ELSS </label></li>
            </ul>
          </div>
        </div><span tabindex="0" id="product-type-button" role="combobox" aria-expanded="false" aria-autocomplete="list" aria-owns="product-type-menu" aria-haspopup="true"
          class="ui-selectmenu-button ui-selectmenu-button-closed ui-corner-all ui-button ui-widget"><span class="ui-selectmenu-icon ui-icon ui-icon-triangle-1-s"></span><span class="ui-selectmenu-text">&nbsp;</span></span>
        <span id="product-type-err" class="error-txt">Please select product type</span>
      </div>
    </div>
    <div class="input-group">
      <div class="icon">
        <svg width="15" height="20" viewBox="0 0 15 20" fill="none" xmlns="http://www.w3.org/2000/svg">
          <path
            d="M7.41663 0.757812C3.32708 0.757812 0 4.08489 0 8.17444C0 10.4745 1.19011 13.1459 3.53729 16.1144C5.25478 18.2866 6.94754 19.7877 7.01876 19.8505C7.24608 20.0511 7.58715 20.0511 7.8145 19.8505C7.88572 19.7877 9.57848 18.2866 11.296 16.1144C13.6432 13.1459 14.8333 10.4745 14.8333 8.17444C14.8333 4.08489 11.5062 0.757813 7.41663 0.757813V0.757812ZM7.41663 18.5792C5.98749 17.2172 1.2027 12.3449 1.2027 8.17444C1.2027 4.74807 3.99026 1.96051 7.41663 1.96051C10.843 1.96051 13.6306 4.74807 13.6306 8.17444C13.6306 12.3449 8.8457 17.2173 7.41663 18.5792Z"
            fill="#3D3D3D"></path>
          <path
            d="M12.0171 7.8183L7.80761 4.2102C7.5824 4.01717 7.25012 4.01717 7.02491 4.2102L2.81547 7.8183C2.56331 8.03441 2.53411 8.41409 2.75026 8.66624C2.96641 8.9184 3.34605 8.9476 3.5982 8.73145L4.10882 8.29374V11.2816C4.10882 11.6137 4.37807 11.883 4.71017 11.883H10.1223C10.4544 11.883 10.7237 11.6137 10.7237 11.2816V8.29374L11.2343 8.73145C11.4876 8.94858 11.8671 8.91727 12.0823 8.66624C12.2984 8.41409 12.2692 8.03445 12.0171 7.8183ZM9.52097 10.6803H5.31152V7.26284L7.41624 5.45879L9.52097 7.26284V10.6803Z"
            fill="#3D3D3D"></path>
        </svg>
      </div>
      <div class="input-box">
        <input type="text" placeholder="Pincode" class="input-pincode" id="qa-pincode" name="pincode" autocomplete="off" tabindex="0" maxlength="6">
      </div>
      <span id="pincode-err" class="error-txt">Please enter valid pincode</span>
    </div>
  </div>
  <div class="button-group">
    <button class="ic-btn" type="submit" id="leadFormOneSubmitBtn"> Submit </button>
  </div>
  <div id="error-txt" class="error"></div>
  <div id="success-txt" class="success-txt orange-bg">
    <svg width="60" height="60" viewBox="0 0 60 60" fill="none" xmlns="http://www.w3.org/2000/svg">
      <circle cx="29.5791" cy="29.5791" r="29.5791" fill="#D3E6B4"></circle>
      <path d="M21.1289 29.5813L27.1655 36.2215L39.2386 24.1484" stroke="#219653" stroke-width="5.35236" stroke-linecap="square"></path>
    </svg>
    <h4>Thank you for your request.</h4>
    <p id="successMsg"> Your reference number is <strong>CRM </strong>
    </p>
    <p class="small"> Our executive will contact you shortly </p>
  </div>
</form>

#

<form nr="" action="#"><input nr="" class="query-field__input" autocomplete="off" type="text" aria-label="Start by typing 'Menu' here. Press Enter to search." placeholder="Start by typing 'Menu' here" maxlength="100">
  <div nr="" class="query-field__status" aria-live="polite"></div>
</form>

Text Content

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 * Accounts
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   Savings Account
   
    * Savings Account
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   Investment Account
   
    * Online Trading & Demat Account
    * Demat Account
    * NPS Plus Saving Account
    * HUF-Hindu Undivided Family
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    * MORE
   
   View All Accounts Rates & Charges View Bank Statement Video KYC
   
   Fixed Deposit (FD)
   
    * Fixed Deposit
    * FD Calculator
    * FD Interest Rates
    * Tax Saving FD
    * Money Multiplier FD
    * FD with Monthly Income
    * More
   
   Recurring Deposit (RD)
   
    * Recurring Deposit
    * RD Interest Rates
    * RD Calculator
    * RD with Monthly Income Scheme
    * More
   
   iWish Flexible RD
   
   Deposit any amount, any time with no penalty for missing any deposits
    * iWish Calculator
    * iWish RD Interest Rates
    * More
   
   View All Products OPEN Fixed Deposit Rates & Charges
   
   Forex services
   
   Currency exchange in 14 currencies
   
   Buy Forex Prepaid Cards
   
    * Multi-currency Forex Prepaid Card
    * Sapphiro Forex Prepaid Card
    * Coral Forex Prepaid Card
    * Student Contactless Forex Prepaid Card
    * 
   
   Send Money Abroad
   
   Fund transfer overseas made easy for resident and non-resident ICICI Bank
   customers
   
   Student Services
   
   Get help with forex. Right from your application to admission fees and travel
   
   Online Forex
   
   Buy, reload or avail refund on your travel card. Do it online with zero
   documentation
   View All Forex Services
   
   Internet Banking
   
    * Know your User ID
    * Generate your Password
    * More
   
   Mobile Banking
   
    * iMobile Pay App
    * Download iMobile Pay
    * More
   
   Find ATM/Branch
   
    * Locate our branches and ATMs
    * Locate branch for Aadhaar enrolment/update
    * More
   
   Other Channels
   
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   Calculators
   
    * Home Loan Calculator
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    * iWish Calculator
    * More
   
   Interact & Blogs
   
    * iPlay-Demo Videos
    * Tax Knowledge Base
    * Blogs
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   Rates and Charges Insta Banking Safe Banking Video KYC
 * Cards
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    * Debit Cards / ATM Card
    * Prepaid / Forex / Gift / Fastag Cards
    * Commercial Cards
   
   Instant Credit Card
   
      
    * Instant Credit Card
      
    * More
   
   Special Credit Cards
   
    * Coral RuPay Credit Card
    * Coral Credit Card
    * Rubyx Credit Card
    * Sapphiro Credit Card
    * Mine Credit Card
    * More
   
   CO-BRAND CREDIT CARD
   
    * MakeMyTrip Credit Card
    * Manchester United Credit Card
    * HPCL Credit Card
    * Amazon Pay Credit Card
    * More
   
   Featured Credit Cards
   
    * Expressions Credit Card
    * Emeralde Credit Card
    * Unifare Metro Credit Card
    * Credit Card against Fixed Deposit
    * NRI Credit Card
    * More
   
   EMI / Loan on Credit Card
   
    * EMI on Credit Card
    * Loan on Credit Card
    * More
   
   Standing Instruction & Recurring Charges
   
    * Manage Standing Instructions
    * Frequently Asked Questions
    * Mandate Hub User Guide
    * More
   
   OFFERS AND REWARDS
   
    * Credit Card Offers
    * Credit Card Rewards
    * More
   
   Credit Card Compare Credit Cards Block Credit Card Upgrade Credit Card Video
   KYC
   
   Featured Debit Cards
   
    * Gemstone Debit Cards
    * Personal Cards
    * More
   
   Expressions Debit Cards
   
   Now personalize your Debit Card as you like. Pick and choose from a gallery
   of 200+ awesome designs or choose one of your own pics and flaunt it all the
   way
   
   Generate your ATM PIN
   
   Generate your ATM PIN
   
   Special Offers
   
    * Special Offers
    * Debit Card Rewards
    * More
   
   EMI on Debit Card
   
   EMI on Debit Card
   
   Standing Instruction & Recurring Charges
   
    * Manage Standing Instructions
    * Frequently Asked Questions
    * Mandate Hub User Guide
    * More
   
   Debit Card Block Debit Card Upgrade Debit Card
   
   Prepaid Card
   
    * Pockets, the Digital bank
    * Meal Card
    * More
   
   Forex Prepaid Cards
   
      
    * Sapphiro Forex Prepaid Card
    * Multicurrency Forex Prepaid Card
    * Coral Forex Prepaid Card
      
    * Student Forex Prepaid Card
   
   Gift Card
   
    * Gift Card
    * Expressions Gift Card
    * More
   
   FASTag
   
   FASTag
   
   Multi Wallet Prepaid Card
   
   Multi Wallet Prepaid Card
   
   PayDirect Card
   
   PayDirect Card
   View All Prepaid Cards
   
   Corporate Cards
   
   Corporate Cards
   
   Business Cards
   
   Business Cards
   VIEW ALL COMMERCIAL CARDS
 * Loans
    * Popular Loans
    * Agri and Rural Finance
    * Commercial Business Loans
   
   Personal Loan
   
      
    * Personal Loan
    * Personal Loan Calculator
    * Personal Loan on Credit Card
    * Flexicash (Overdraft Against Salary)
    * Business Loan
    * More
   
   Home Loans
   
      
    * New Home loan
    * Home Loan - Existing Customer
    * Home Loan Calculator
    * Loan Against Property
      
    * Home Loan Balance Transfer
    * Home Buyers Smartbook
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   Car / Two-Wheeler Loans
   
    * New Car Loan
    * Two-Wheeler Loan
    * Pre Owned Used Car Loan
    * Loan against Car
    * Dream Car Search
    * More
   
   Loans Against Securities
   
    * Loan based on the value of your securities
    * More
   
   Other Loans
   
    * Gold Loan
    * Paylater
    * Healthcare Equipment Loans
    * Consumer EMI
    * Education loan
    * Pradhan Mantri Mudra Yojana
    * More
   
   View All Loans Calculators Rates & Charges
   
   Micro Finance
   
   Financial assistance to Micro Finances (MFIs) for Term Loans, overdraft and
   portfolio buyout
   
   Tractor Loan
   
   Get a loan to buy a tractor if you own at least 3 acres of agricultural land
   
   Rural Savings Account
   
   Rural Savings Account will be available through Business Correspondents
   
   Self-Help Groups (SHGs) Bank Linkage Programme
   
   Get up to Rs 7.5 lakh for SHGs with 10-20 women, and operations for 6+ months
   
   Agri Traders and Processors
   
    * Working Capital Loan
    * Loan Against Warehouse Receipt
    * More
   
   View All Products Learn How to apply
   
   Commercial Vehicle Loan
   
   Get a loan for your truck, tippers or light commercial vehicles
   
   Construction Equipment Loan
   
   Mine owners, road contractors, builders can get loans for new and used
   equipment
   View All Products
 * Invest
    * Deposits
    * Grow Wealth
    * Retirement planning
   
   Fixed Deposit (FD)
   
      
    * Fixed Deposit
    * Tax Saving FD
    * Money Multiplier FD
    * FD with Monthly Income
    * More
   
   Recurring Deposit (RD)
   
    * Recurring Deposit
    * RD with Monthly Income Scheme
    * More
   
   iWish Flexible RD
   
   Deposit any amount, any time with no penalty for missing any deposits
   View All Products OPEN Fixed Deposit Rates & Charges
   
   Wealth Creation
   
    * Invest In Stocks
    * Mutual Fund
    * SIP
    * Mutual Fund Investment services
    * Demat Account
    * Apply For IPO
    * More
   
   Retirement Planning
   
    * National Pension Scheme
    * Sukanya Samriddhi Yojana
    * Public Provident Fund
    * Senior Citizens Savings Scheme
    * Guaranted Pension Plan
    * Golden Years
    * More
   
   Bonds
   
    * Sovereign gold Bonds
    * ICICI Bank Bonds
    * GOI Bonds
    * More
   
   View All Products Rates & Charges
   
   Golden Years

 * Insure
    * POPULAR INSURANCE
    * Social Security Schemes
   
   Life Insurance
   
      
    * Life Insurance
    * Term Life Insurance Plans
    * Cancer Cover
    * More
   
   Health Insurance
   
      
    * Health Shield 360 Top-Up
      
    * More
   
   Vehicle Insurance
   
    * Car insurance
    * Two wheeler insurance
    * More
   
   Travel Insurance
   
    * Single Trip Travel Insurance
    * Multi Trip Travel Insurance
    * More
   
   RETIREMENT PLANNING
   
   Guaranteed Pension Plan
   View All Insurance Insure Now
   
   Pradhan Mantri Jeevan Jyoti Bima Yojana
   
   Life insurance of Rs 2 lakh at annual premium of Rs 330
   
   Pradhan Mantri Suraksha Bima Yojana
   
   Accident insurance of Rs 2 lakh at annual premium of just Rs 12
   View All Social Security Schemes
 * Pay
    * Money Transfer
    * Utility Payments
    * Recharge
    * Loan/Card Payment
    * Payment Services
    * Tax & GST
   
   NEFT
   
   Transfer money to any other bank account with Internet Banking or mobile app
   
   IMPS
   
   Transfer funds instantly, 24X7 (including holidays) with IMPS
   
   UPI
   
   Pay friends and merchants using their phone number, QR Code or UPI ID
   
   Foreign Transfer
   
   Remit money through wire transfer or demand draft in 19 different currencies
   
   ICICI Bank Pay
   
   Pay your friends or contacts with just a Tweet
   
   CBDC
   
   Discover a secure and fast way to send and receive money through the Digital
   Rupee Wallet
   View All Options Transfer Now iMOBILE PAY
   
   Electricity
   
   Pay your electricity bill online with Quick Pay
   
   Water
   
   No need to stand in queue. Select your water board, add your details and pay
   online
   
   Gas
   
   Pay bills of leading gas companies such as Adani, Mahanagar, Indraprastha
   among others
   
   Mobile
   
   Pay your BSNL, MTNL or Airtel landline bills online
   
   Broadband
   
   Pay the broadband bill of Airtel, Hathway or Connect online itself
   View All Options Pay your bill
   
   FASTag
   
   Buy and recharge FASTag online for use at 400+ toll booths across India
   
   DTH Recharge
   
   Recharge your DTH connection anywhere, anytime with Quick Bill Pay
   
   Mobile Recharge
   
   Top-up your mobile number from internet banking
   View All Payments
   
   Click to Pay Loan
   
   Pay your ICICI Bank loan EMI from any other bank using Click To Pay
   
   Pay Credit Card Bills
   
   Pay your ICICI Bank credit card bills from any other bank with net banking or
   UPI
   View All Options
   
   Click to Pay
   
   Pay your loan EMI or credit card bill from any other bank’s net banking or
   debit card
   
   eazyPay
   
   Pay your school fees, society maintenance bills or business payments with
   eazypay
   
   Quick Pay
   
   Make utility, mobile, broadband, DTH and other payments with Quick Pay
   
   Scan To Pay
   
   Use Scan to Pay to generate QR code, scan using any UPI app and make the
   payment
   
   Tap To Pay
   
   Use NFC-enabled tag linked with prepaid account to tap and pay at merchant
   outlets
   View All Options iMOBILE PAY
   
   Online Tax Payment
   
   Make online payment of direct tax and other taxes such as service tax or
   excise duty
   
   GST
   
   Make your GST payments through our branch or with internet banking
   
   Tax Solutions
   
   Know how to save income tax, tax saving tips and investment plans
   View All Options
 * Offers
    * Deals and More
   
   Offers
   
   Get exclusive deals and discounts on thousands of brands
   
   Personalised Product Offers
   
   Authenticate yourself to view and apply for your personalised product offers
   
    
   
   OFFERS NEAR YOU
   
   Get discounts on dining, shopping, travel, etc. at places near you
   
   Cashback Deals
   
   Get assured cashback on electronics, travel, food & groceries, and much more
   
   Compare and Fly
   
   Get the best deals on airfare so you can spend more at your destination
   
   Compare and Buy
   
   Compare prices, features and more before buying and get the best value for
   your money
 * CAMPUS POWER
   

Apply Online
 * Saving Account
 * Credit Card
 * Personal Loan
 * Home Loan
 * Car Loan
 * Two-Wheeler Loan
 * FASTag
 * ICICIdirect Prime Account

PERSONAL
 * Personal
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NRI
Business
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 * SME

Corporate
Gift City

 * AccountsAccounts, Deposits, Cards and more
   
   Accounts
   
    * Savings AccountSavings, Family, Salary Account and more
      
      Savings Account
      
       * Insta Savings AccountInsta Savings Account, Insta Save FD Account and
         more
         
         Insta Savings Account
         
          * Insta Save Account
            
            apply now Know More
            
      
       * Savings AccountRegular Savings Account, Salary Account and more
         
         Savings Account
         
          * Savings Account
            
            apply now Know More
         
          * Regular Savings Account
            
            Know More
         
          * Salary Account
            
            Know More
         
          * Seniors Club Savings Account
            
            Know More
         
          * Retire Happy Savings Account
            
            Know More
      
       * Privilege Savings AccountThe One Savings Account, Gold Savings Account
         and more
         
         Privilege Savings Account
         
          * The One Savings Account
            
            Apply Now Know More
         
          * Gold Savings Account
            
            Apply Now Know More
         
          * Titanium Savings Account
            
            Know More
         
          * Salute Doctors Banking Solutions
            
            Know More
         
          * Biz-Savings Account
            
            Know More
      
       * INVESTMENT ACCOUNTNPS Plus Savings Account, Demat Account and more
         
         INVESTMENT ACCOUNT
         
          * Online Trading & Demat Account
            
            Apply Now Know More
         
          * Demat Account
            
            Apply Now Know More
         
          * NPS Plus Savings Account
            
            Apply Now Know More
         
          * HUF – Hindu Undivided family
            
            Know More
         
          * Investment & Tax Savings Account
            
            Know More
      
       * Woman Savings AccountAdvantage Woman Aura Savings Account, Woman
         Savings Account and more
         
         Woman Savings Account
         
          * Advantage Woman Aura Savings Account
            
            Know More
         
          * Woman Savings Account
            
            Know More
      
       * Family Savings AccountFamily Banking, Young Stars Savings Account and
         more
         
         Family Savings Account
         
          * Family Banking
            
            Know More
         
          * Young Stars Savings Account
            
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          * Smart Star Savings Account
            
            Know More
      
       * VIEW ALL ACCOUNTS
      
       * RATES & CHARGES
      
       * VIEW BANK STATEMENT
      
       * VIDEO KYC
   
    * DepositsFixed Deposit, Recurring Deposit, iWish Flexible RD and more
      
      Deposits
      
       * Fixed Deposit (FD)Fixed Deposit, FD Xtra, Tax Saving FD and more
         
         Fixed Deposit (FD)
         
          * Fixed Deposit
            
            Apply Now Know More
         
          * FD Xtra
            
            Apply Now Know More
         
          * Tax Saving FD
            
            Apply Now Know More
         
          * Money Multiplier FD
            
            Apply Now Know More
         
          * FD with Monthly Income
            
            Apply Now Know More
      
       * Recurring Deposit (RD)Recurring Deposit, RD with Monthly Income Scheme
         and more
         
         Recurring Deposit (RD)
         
          * Recurring Deposit
            
            Apply Now Know More
         
          * RD with Monthly Income Scheme
            
            Apply Now Know More
      
       * iWish Flexible RDDeposit any amount, any time with no penalty for
         missing any deposits
         
         iWish Flexible RD
         
          * iWish Flexible RD
            
            Apply Now Know More
      
       * View All Products
      
       * OPEN Fixed Deposit
      
       * Rates & Charges
   
    * ForexForex services, Send Money Abroad, Online Forex and more
      
      Forex
      
       * Forex servicesCurrency exchange in 14 currencies
         
         Forex services
         
          * Forex services
            
            Apply Now Know More
      
       * Buy Forex Prepaid CardsMulti-currency Forex Prepaid Card, Sapphiro
         Forex Prepaid Card and more
         
         Buy Forex Prepaid Cards
         
          * Multi-currency Forex Prepaid Card
            
            Apply Now Know More
         
          * Sapphiro Forex Prepaid Card
            
            Apply Now Know More
         
          * Coral Forex Prepaid Card
            
            Apply Now Know More
      
       * Send Money AbroadFund transfer overseas made easy for resident and
         non-resident ICICI Bank customers
         
         Send Money Abroad
         
          * Send Money Abroad
            
            Apply Now Know More
      
       * Student ServicesGet help with forex. Right from your application to
         admission fees and travel
         
         Student Services
         
          * Student Services
            
            Know More
      
       * Online ForexBuy, reload or avail refund on your travel card. Do it
         online with zero documentation
         
         Online Forex
         
          * Online Forex
            
            Apply Now Know More
      
       * VIEW ALL FOREX SERVICES
   
    * Ways to BankInternet Banking, Mobile Banking and more
      
      Ways to Bank
      
       * Internet BankingKnow your User ID, Generate your Password and more
         
         Internet Banking
         
          * Internet Banking
            
            Know More
         
          * Know your User ID
            
            Know More
         
          * Generate your Password
            
            Know More
      
       * Mobile BankingiMobile Pay, iMobile Pay for Non customer, Download
         iMobile Pay and more
         
         Mobile Banking
         
          * Mobile Banking
            
            Know More
         
          * iMobile Pay App
            
            Know More
         
          * Download iMobile Pay
            
            Know More
      
       * Find ATM/BranchLocate our branches and ATMs, Locate branch for Aadhaar
         enrolment/update and more
         
         Find ATM/Branch
         
          * Locate our branches and ATMs
            
            Know More
         
          * Locate branch for Aadhaar enrolment/update
            
            Know More
      
       * Other ChannelsWhatsApp, Ask iPal, Alexa, Google Home and more
         
         Other Channels
         
          * WhatsApp
            
            Know More
         
          * Pockets
            
            Know More
         
          * Ask iPal
            
            Know More
         
          * Alexa
            
            Know More
         
          * Google Home
            
            Know More
      
       * CalculatorsHome Loan Calculator, Personal Loan Calculator, Car Loan
         Calculator and more
         
         Calculators
         
          * Home Loan Calculator
            
            Know More
         
          * Personal Loan Calculator
            
            Know More
         
          * Car Loan Calculator
            
            Know More
         
          * Fixed Deposit Calculator
            
            Know More
         
          * Recurring Deposit Calculator
            
            Know More
         
          * iWish Calculator
            
            Know More
      
       * Interact & BlogsiPlay-Demo Videos, Tax Knowledge Base and more
         
         Interact & Blogs
         
          * iPlay-Demo Videos
            
            Know More
         
          * Tax Knowledge Base
            
            Know More
         
          * Blogs
            
            Know More
         
          * Life Stage Solutions
            
            Know More
      
       * RATES AND CHARGES
      
       * INSTA BANKING
      
       * SAFE BANKING
      
       * VIDEO KYC

 * CardCredit Cards, Debit Cards / ATM Card, Travel Cards and more
   
   Card
   
    * Credit Cards
      
      Credit Cards
      
       * Instant Credit CardInstant Credit Card more
         
         Instant Credit Card
         
          * Instant Credit Card
            
            Apply Now Know More
      
       * Special Credit CardsCoral Credit Card, Rubyx Credit Card and more
         
         Special Credit Cards
         
          * Coral Credit Card
            
            Apply Now Know More
         
          * Rubyx Credit Card
            
            Apply Now Know More
         
          * Sapphiro Credit Card
            
            Apply Now Know More
         
          * Platinum Credit Card
            
            Apply Now Know More
         
          * Mine Credit Card
            
            Know More
      
       * Co-Brand Credit CardMakeMyTrip Credit Card, Manchester United Credit
         Card and more
         
         Co-Brand Credit Card
         
          * MakeMyTrip Credit Card
            
            Apply Now Know More
         
          * Manchester United Credit Card
            
            Apply Now Know More
         
          * HPCL Credit Card
            
            Apply Now Know More
         
          * Amazon Pay Credit Card
            
            Know More
      
       * Featured Credit CardsExpressions Credit Card, Emeralde Credit Card and
         more
         
         Featured Credit Cards
         
          * Expressions Credit Card
            
            Apply Now Know More
         
          * Emeralde Credit Card
            
            Apply Now Know More
         
          * Unifare Metro Credit Card
            
            Know More
         
          * Credit Card against Fixed Deposit
            
            Apply Now Know More
         
          * NRI Credit Card
            
            Know More
      
       * EMI / Loan on Credit CardEMI on Credit Card, Loan on Credit Card and
         more
         
         EMI / Loan on Credit Card
         
          * EMI on Credit Card
            
            Know More
         
          * Loan on Credit Card
            
            Apply Now Know More
      
       * Standing Instruction & Recurring Charges
         
         Standing Instruction & Recurring Charges
         
          * Manage Standing Instructions
            
            Know More
         
          * Frequently Asked Questions
            
            Know More
         
          * Mandate Hub User Guide
            
            Know More
      
       * Offers and RewardsCredit Card Offers, Credit Card Rewards and more
         
         Offers and Rewards
         
          * Credit Card Offers
            
            Know More
         
          * Credit Card Rewards
            
            Know More
      
       * CREDIT CARD
      
       * COMPARE CREDIT CARDS
      
       * BLOCK CREDIT CARD
      
       * UPGRADE CREDIT CARD
      
       * VIDEO KYC
   
    * Debit Cards / ATM Card
      
      Debit Cards / ATM Card
      
       * Featured Debit CardsGemstone Debit Cards, Personal Cards and more
         
         Featured Debit Cards
         
          * Debit Cards
            
            Know More
         
          * Gemstone Debit Cards
            
            Know More
         
          * Personal Cards
            
            Know More
      
       * Expressions Debit CardsNow personalize your Debit Card as you like
         
         Expressions Debit Cards
         
          * Expressions Debit Cards
            
            Apply Now Know More
      
       * Generate your ATM PINGenerate your ATM PIN
         
         Generate your ATM PIN
         
          * Generate your ATM PIN
            
            Know More
      
       * Special OffersSpecial Offers
         
         Special Offers
         
          * Special Offers
            
            Know More
      
       * Debit Card RewardsDebit Card Rewards
         
         Debit Card Rewards
         
          * Debit Card Rewards
            
            Know More
      
       * Standing Instruction & Recurring Charges
         
         Standing Instruction & Recurring Charges
         
          * Manage Standing Instructions
            
            Know More
         
          * Frequently Asked Questions
            
            Know More
         
          * Mandate Hub User Guide
            
            Know More
      
       * EMI on Debit CardEMI on Debit Card
         
         EMI on Debit Card
         
          * EMI on Debit Card
            
            Know More
      
       * DEBIT CARD
      
       * BLOCK DEBIT CARD
      
       * UPGRADE DEBIT CARD
   
    * Prepaid / Forex / Gift / Fastag Cards
      
      Prepaid / Forex / Gift / Fastag Cards
      
       * Prepaid CardPockets, the Digital bank, Meal Card and more
         
         Prepaid Card
         
          * Pockets, the Digital bank
            
            Apply Now Know More
         
          * Meal Card
            
            Know More
      
       * Forex Prepaid CardsGoibibo Forex Prepaid Card, Sapphiro Forex Prepaid
         Card and more
         
         Forex Prepaid Cards
         
          * Goibibo Forex Prepaid Card
            
            Apply Now Know More
         
          * Sapphiro Forex Prepaid Card
            
            Know More
         
          * Multicurrency Forex Prepaid Card
            
            Know More
         
          * Coral Forex Prepaid Card
            
            Know More
      
       * Gift CardGift Card, Expressions Gift Card and more
         
         Gift Card
         
          * Gift Card
            
            Know More
         
          * Expressions Gift Card
            
            Know More
      
       * FastagFastag and more
         
         Fastag
         
          * Fastag
            
            Apply Now Know More
      
       * Multi Wallet Prepaid CardMulti Wallet Prepaid Card and more
         
         Multi Wallet Prepaid Card
         
          * Multi Wallet Prepaid Card
            
            Apply Now Know More
      
       * PayDirect CardPayDirect Card and more
         
         PayDirect Card
         
          * PayDirect Card
            
            Know More
      
       * VIEW ALL PREPAID CARDS
   
    * Commercial Cards
      
      Commercial Cards
      
       * Corporate CardsCorporate Cards and more
         
         Corporate Cards
         
          * Corporate Cards
            
            Know More
      
       * Business CardsBusiness Cards and more
         
         Business Cards
         
          * Business Cards
            
            Know More
      
       * VIEW ALL COMMERCIAL CARDS

 * LoansPopular Loans, Agri and Rural Finance, Business Loans and more
   
   Loans
   
    * Popular Loans
      
      Popular Loans
      
       * Insta LoansInsta PL, Instant Home Loan, Insta Car Loan and more
         
         Insta Loans
         
          * Insta PL
            
            Apply Now Know More
         
          * Insta Home OD
            
            Apply Now Know More
         
          * Instant Home Loan
            
            Apply Now Know More
         
          * Insta Car Loan
            
            Apply Now Know More
         
          * Insta Two-Wheeler Loan
            
            Apply Now Know More
         
          * Insta Loan Against Mutual Funds
            
            Apply Now Know More
         
          * Insta Loan Against Shares
            
            Apply Now Know More
      
       * Personal LoansPersonal Loans, Personal Loan Calculator, Personal Loan
         on Credit Card and more
         
         Personal Loans
         
          * Personal Loans
            
            Apply Now Know More
         
          * Personal Loan Calculator
            
            Know More
         
          * Personal Loan on Credit Card
            
            Apply Now Know More
         
          * Flexicash (Overdraft Against Salary)
            
            Apply Now Know More
         
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MOST IMPORTANT TERMS AND CONDITIONS (MITC)

Most Important Terms and Conditions (MITC)



To get the complete version of the Terms and Conditions of PayLater by ICICI
Bank, please visit:

https://www.icicibank.com/Personal-Banking/cards/digital-credit-card/tnc-paylater.page

 

(a) Schedule of Charges:



I. There are no annual fees and supplementary PayLater by ICICI Bank fees
associated with the ICICI PayLater Facility. ICICI Bank Limited at its sole
discretion reserves the right to apply/introduce such charges in the future in
relation to PayLater by ICICI Bank, with due reasonable notice.

 

II. Usage:

PayLater by ICICI Bank Facility can only be used to make online INR denominated
purchases on Pockets Wallet, iMobile Pay, Retail Internet Banking and on
selected Merchant categories, where the availability of PayLater by ICICI Bank
Facility shall be indicated by Pockets, iMobile Pay and Retail Internet Banking.
The cash withdrawal option against the PayLater by ICICI Bank Facility is
currently unavailable.

 

III. Charges:

 

Activation Charge

Rs 500 + applicable taxes (one-time at the instance of limit activation).
Effective on activations from Feb 15, 2022. Activation Charge shall be waived
off for Wealth and GPC Income segments.

Service Charge

Service charge structure applicable on transactions from Oct 17, 2022.

A service charge of Rs 75 + applicable taxes shall be levied for every Rs 3000
of monthly spends or a part thereof from your ICICI Bank PayLater Account;
applicable on monthly spends of Rs 3000 and above. For illustration:



Monthly Spent

Service Charge

Less than Rs 3000

Nil

Rs 3,001 - Rs 6,000

Rs 75 + GST

Rs 6,001 - Rs 9,000

Rs 150 + GST

Rs 9,001 - Rs 12,000

Rs 225 + GST

Rs 12,001 – Rs 15,000

Rs 300 + GST

Rs 15,001 - Rs 18,000

Rs 375 + GST

Rs 18,001 and above

Rs 450 + GST


Note: For example, if a PayLater customer spends Rs 1950 in a billing cycle, no
service charge shall be levied. Similarly, if a customer spends Rs 3,500, a
service charge of Rs 75 +GST shall be levied. If a customer spends Rs 16,500, a
service charge of Rs 375 +GST shall be levied. If a customer spends Rs 27,500, a
service charge of Rs 450 +GST shall be levied.



Service charge structure applicable on transactions from Mar 17, 2022 till Oct
16, 2022.

A service charge of Rs 100 + applicable taxes shall be levied on every Rs 3000
of monthly spends or a part thereof from your ICICI Bank PayLater Account;
applicable on monthly spends of Rs 1000 and above. For illustration:



Monthly Spent

Service Charge

Less than Rs 1000

Nil

Rs 1001 - Rs 3,000

Rs 100 + GST

Rs 3,001 - Rs 6,000

Rs 200 + GST

Rs 6,001 - Rs 9,000

Rs 300 + GST

Rs 9,001 - Rs 12,000

Rs 400 + GST

Rs 12,001 – Rs 15,000

Rs 500 + GST

Rs 15,001 - Rs 18,000

Rs 600 + GST

Rs 18,001 and above

Rs 700 + GST

 

Note: For example, if a PayLater customer spends Rs 950 in a billing cycle, no
service charge shall be levied. Similarly, if a customer spends Rs 11,500, a
service charge of Rs 400 +GST shall be levied. If a customer spends Rs 19,500, a
service charge of Rs 700 +GST shall be levied. In addition, if a customer
spends Rs 27,500, a service charge of Rs 700 +GST shall be levied.

 

##PayLater customers’ payments towards the Total Amount Due is not subtracted
for the calculation of monthly spends.

 

*: Any refund received after the billing cycle for a transaction done during the
cycle shall not be considered for service charge calculation for that cycle. It
shall be accounted in the next billing cycle.

Goods and Services Tax

Effective Jul 01, 2017, the Goods and Services Tax (GST) shall be applicable
instead of the Service Tax. GST or any other tax under applicable laws shall be
applicable. Tax Rates may vary from time-to-time. Presently, the GST rate for
banking and financial services is at 18% (applicable on all fees, interest,
surcharges and other charges).

 

IV. Default Charges:



Late payment charges

Rs 250 + applicable taxes, per bill cycle.

Penal Interest

3% per month (i.e. 42.48% annual rate) on the outstanding amount.

    

 * Default Charges shall be levied if the Total Amount Due is not paid by the
   Payment Due Date. Such default charge shall be charged from the Payment Due
   Date till such time as the outstanding amounts are paid in full

 * The default rate of Charge shall be 3% per month on the Total Amount Due
   subject to revision from time to time, depending on factors, such as but not
   limited to, credit history, purchase patterns, payment behaviour and month-on
   book

 * Late payment charges are applicable if the Total Amount Due is not paid by
   the Payment Due Date

 * The account statement date is on the 17th of every month (subject to 17th
   being a Business day, as per definition and if it is not a business day, then
   it shall be generated on a preceding/following business day).

 * The following illustration will indicate the method of calculating default
   charges.

In the table below, it is assumed that the due amount of Rs 10,000 is generated
on the May 17 bill with the due date of May 31. The customer does not pay the
due by May 31. Given these assumptions, interest will be calculated as below:



Transaction

Penal Interest

Late fee

Scenario 1

   

Rs 10,000 due payment received on 2nd June

   

a) Interest rate for the 2 days @ 3% per month*

20

250

     

Scenario 2

   

Rs 10,000 due payment received on 6th June

   

a) Interest rate for 7 days @ 3% per month*

70

250


*GST will be applicable



V. Interest free (Grace) period:



The grace period could range from 15 to 45 days.

Illustrative Example for the calculation of grace period: For a statement for
the period from May 17, 2022 to Jun 16, 2022, the payment due date would be Jul
01, 2022. Assuming that you have paid your Total Amount Due of the previous
month’s statement by the payment due date, the grace period would be:

 1. For a purchase dated May 24, 2022, the interest-free grace period is from
    May 24, 2022 to Jul 01, 2022, i.e. 39 days.

 2. For a purchase dated Jun 14, 2022, the interest-free grace period is from
    Jun 14, 2022 to Jul 1, 2022, i.e. 18 days.

Thus, the grace period can vary depending upon the date of purchase. However, if
the Total Amount Due is not paid by the payment due date, then there will be no
interest free period. Service charges will be applicable during the interest
free (Grace) period as per the slabs mentioned in section III.



VI Drawal Limits

 * Credit limit: The credit limit is communicated to the customer in the welcome
   letter and Monthly Statement sent on the registered e-mail ID

 * Available credit limit: It is calculated by deducting the utilised limit from
   the total credit limit

 * Cash withdrawal limit: Cash withdrawal is not allowed for PayLater.

 

VII EMI

 * Rate of interest : 16 % p.a.

 * Product type : Fixed EMI based credit facility

 * EMI based repayment shall be available for PayLater transactions done through
   payment modes like UPI Scan-to-Pay or Net Banking. The transaction threshold
   for conversion to EMI shall be Rs 10,000. All transactions amounting over and
   above the threshold amount may be repaid in easy instalments of 3/ 6/ 9
   months.

Note: If you are booking your Paylater EMI on 01st-20th of a month, your first
EMI due date shall be on the 01st of the next month and in case the Paylater EMI
is booked between 21st to last day of a month, EMI due date shall be 01st of
next to next month.
Example: If you book an EMI Paylater loan between 01-20th Jan – your first EMI
shall be due on 01st Feb; however if you book an EMI Paylater loan between
21st – the last day of the month, your first EMI shall be due on 01st March.

 * Auto Debit for EMI Account shall be set up in the Savings Bank Account, which
   has been registered with your current Paylater by ICICI Bank Account

 * EMI value displayed during an EMI PayLater transaction is approximate and the
   actual EMI amount may vary

 * A Paylater EMI account shall be created under the credit limit set for you in
   your Parent Paylater Account i.e. the Sanctioned Paylater Account Limit

* Below mentioned charges will be levied on the outstanding amount in case a
PayLater Customer defaults of their EMI Payments:

Default Charge

Penal Interest

3% per month (i.e. 42.48% annual rate) on the outstanding amount

 

VIII. Billing and Payment:

 * Billing Statements: Periodicity and mode of communication: All PayLater
   Customers shall be billed on a monthly basis for all purchases made by using
   the ICICI PayLater facility. The Billing Statement is sent to the registered
   e-mail ID of the customer, post bill generation. The due amount, due date,
   and all the transaction details of the customers is available on Pockets,
   iMobile Pay and on the Retail Internet Banking platform. Option to repay the
   Total Amount Due is available on Pockets, iMobile Pay and Retail Internet
   Banking platform

 * Total Amount Due: Without prejudice to the liability of the PayLater
   Customers to immediately pay all charges incurred, a default charge shall be
   levied, if the Payment Due Date does not pay the Total Amount Due. In
   addition to this, ICICI Bank may also temporarily block or suspend the
   PayLater by ICICI Bank facility of such PayLater Customers. All PayLater
   Customers shall be registered for the auto-debit facility for repayment of
   dues under the PayLater by ICICI Bank facility and the amount due shall be
   debited on the Payment Due Date

 * The credit amount arising out of refund/reversal/failed transactions shall be
   adjusted against the credit limit of PayLater account.

 * Time Period for Payment:
   
   * The time granted to a PayLater Customer, to pay the Total Amount Due on the
     purchases made, may vary from 15 – 45 days.
   
   * Illustration: The Payment Due Date for payment of Billing Statements being
     14 days from date of bill generation. In case the purchase is made on the
     17th of the previous month, the PayLater by ICICI Bank Pockets, iMobile
     Pay, Retail Internet Banking PayLater Customers shall have a time period of
     45 days to pay the Total Amount Due by the Payment Due Date and in case the
     purchase has been made on the 16th of the previous month the PayLater by
     ICICI Bank Pockets, iMobile Pay, Retail Internet Banking Customer shall
     have a time period of only 15 days to pay the Total Amount Due.

 * Method of payment: PayLater Customers shall repay the Total Amount Due by the
   Payment Due Date through Auto-debit facility, UPI, BBPS, NEFT, and linked
   savings account through bank channels such as Pockets, iMobile Pay app and
   Retail Internet Banking under the Pay Dues section.

 * Billing Disputes Resolution: In the event that PayLater Customers using the
   PayLater by ICICI Bank Facility disagree with the charges indicated in the
   account statement, it shall be communicated in writing to the correspondence
   address of ICICI Bank or by filing a complaint online
   at https://www.icicibank.com/complaints/complaints.page,within 60 (sixty)
   days from the date of receipt of such account statement, failing which, it
   shall be deemed that the PayLater by the ICICI Bank Customer has no dispute
   on the charges indicated in the account statement.

 

IX Grievances Redressal/Complaints/Escalations:

 * All notices, requests, demands, waivers, complaints, queries, grievance
   redressal, escalations, and other communications required or permitted to be
   given hereunder, in relation to the PayLater by ICICI Bank, shall be
   submitted to ICICI Bank at:
   
   * Customer care number: 1860 120 7777
   
   * Customer care Email ID: customer.care@icicibank.com
   
   * Link for raising complaint:
     https://www.icicibank.com/complaints/complaints.page.
   
   * In the event that you are not satisfied with our services, you may escalate
     by writing to Mr. Vinayak More, Nodal Officer, ICICI Bank Limited, ICICI
     Phone Banking Center, ICICI Bank Tower, 7th floor, Survey no: 115/27, Plot
     no. 12, Nanakramguda, Serilingampally, Hyderabad – 500032, India. In all
     your communications with us, please indicate your complete PayLater number.
   
   * Complete Postal Address of the Bank: ICICI Bank Limited, ICICI Bank Phone
     Banking Centre, 7th floor, Survey no: 115/27, Plot no. 12, Nanakramguda,
     Serilingampally, Hyderabad – 500032, India
   
   * Toll-free Number for Grievance Redressal: In the event you are not
     satisfied with our services, you may register your grievance by dialling
     our Toll-Free Number 1800 200 3344 between 09:00 a.m. to 06:00 p.m. from
     Monday to Friday, press 1 and then enter the Service Request Number
     (numeric digits only), which should not be more than 2 months old.

 * PayLater customers can go through the below link, which describes in detail
   the grievances and escalation process along with timelines for redressal

https://www.icicibank.com/managed-assets/docs/personal/general-links/code-of-commitment/customergrievance-redressal-policy.pdf

 * Compensation Policy:
   
   * PayLater customers can go through the below link, which describes the
     compensation policy pertaining to PayLater by ICICI Bank

Board_Approved_Compensation_Policy.pdf (icicibank.com)

 * The limiting liability of PayLater Customer in unauthorized transactions
   electronic banking transactions is mentioned in the below link.
   
   * PayLater account not closed within 7 days from the date of service request
     will receive penalty of ?500 per day, until the closure of account,
     provided there is no outstanding in the PayLater by ICICI Bank account.

Customer-Relations-Policy.pdf (icicibank.com)



X Default and Circumstances:

 * If the PayLater Customers fails to pay the Total Amount Due by the Payment
   Due Date, it shall be treated as a default. In case of default, ICICI Bank
   can forward the default report to the Credit Bureaus or to other agencies, as
   may be authorised under law

 * Illustrative example for calculation of outstanding unpaid amount: For
   Billing Statements for the period from May 17, 2022 to Jun 16, 2022, the
   payment due date would be Jul 01, 2022. The Total Amount Due for Jul 01, 2022
   is Rs 1,000. Assuming that amount paid is Rs 800 by Jul 01, 2022. The
   outstanding amount shall be Total Amount Due minus the amount paid i.e. Rs
   200. Penal charges shall be applicable on such outstanding amount for the
   current or previous months

 * A customer who fails to pay the total amount due by Payment Due Date shall be
   given 7 days notice period post intimation by SMS or notification from
   iMobile app informing about the intention to report him/her as defaulter to
   Credit Information Bureaus. A customer who pays within the 7 days within will
   not be reported to Credit Information Bureaus as defaulter

 * *ICICI Bank submits the data by the PayLater by ICICI Bank Pockets, iMobile
   Pay, Retail Internet Banking Customers to any Credit Bureau, every month

 * Procedure for withdrawal of default report and the period within which the
   default report would be withdrawn after the settlement of dues: *The Bank
   submits the PayLater customer’s data to CIBIL - Credit Information Bureau
   (India) Limited every month in the format prescribed by CIBIL. This data
   includes the repayment status of all PayLater customers, both defaulters and
   current, for the previous month. CIBIL uploads the submitted data onto their
   server in another thirty days

 * Recovery of dues in case of death/permanent incapacitation of the PayLater
   Customers shall be in accordance with the Applicable Laws, after giving
   sufficient notice for the repayment of the Total Amount Due and any other
   information to the successors/nominees /legal heirs of the PayLater
   Customers.

 

XI. Termination/Revocation/Surrender of the ICICI PayLater Facility

 * PayLater Customers may at any time, choose to terminate the PayLater by ICICI
   Bank Facility, by giving a prior notice.

 * Customers can close the PayLater Account from the channels mentioned below -
   
   * Customer care number: 1860 120 7777
   
   * Customer care Email ID: customer.care@icicibank.com
   
   * iMobile Pay application path: PayLater More options Request for account
     closure Select “reason for closure” and submit

 * The termination shall only be effective once ICICI Bank receives the Total
   Amount Due with respect to the ICICI PayLater Facility. In the event of
   closure or at the time of renewal of the ICICI PayLater Facility, ICICI Bank
   at its sole discretion reserves the right to provide a PayLater type that is
   different from the existing PayLater by ICICI Bank Facility, as held by the
   PayLater Customers

 * ICICI Bank may at any time with or without notice, withdraw, terminate,
   and/or suspend the PayLater by ICICI Bank at any time or in case of an event
   of default

 * PayLater Accounts dormant for more than one year shall be closed by the bank,
   post 30 days of notice. There should be a transaction in the customer’s
   PayLater account within 30 days of intimation, to avoid permanent closure of
   account. The intimation shall be given by SMS or notification from the
   iMobile Pay app. This is subject to payment of all dues by the customer. Any
   credit balance available in PayLater Accounts shall be transferred to the
   customer’s bank account before closing the account. This is as per the RBI
   circular on Master Direction – Credit and Debit Cards – Issuance and Conduct
   Directions dated: Apr 21, 2022.

 

XII. Loss/Theft/Misuse of Phone/ICICI PayLater Facility:

 * In case of loss/theft/misuse of the phone/PayLater Facility of the PayLater
   Customers, it must be reported immediately to ICICI Bank through ICICI Bank’s
   Customer Care (1860 120 7777), or email ID (customer.care@icicibank.com)upon
   which ICICI Bank shall suspend the PayLater by ICICI Bank facility. The
   PayLater Customers are advised to file an FIR with the local police station
   so that the PayLater Customers can produce its copy, whenever requested, by
   the customer care executive. The PayLater Customers shall be primarily
   responsible for the security of the PayLater by ICICI Bank facility,
   including theft and for the transactions using the PayLater by Customers
   phone, whether authorised or unauthorised

 * In case of any dispute regarding the time of reporting, such
   loss/theft/damage and/or transactions made through the PayLater by ICICI Bank
   facility post reporting of the loss/theft/damage/misuse, ICICI Bank reserves
   the right to ascertain such time and/or the authenticity of the disputed
   transactions. ICICI Bank reserves the right to block the PayLater by ICICI
   Bank facility on suspected risk of compromise in order to protect the
   interests of the PayLater Customers

 * To avoid misuse, in any manner, of the PayLater by ICICI Bank facility, ICICI
   Bank may block the PayLater Customer’s PayLater by ICICI Bank facility and
   the PayLater Customer will not be able to use the blocked PayLater by ICICI
   Bank facility for any transaction/s. In the event, the PayLater Customers,
   after being informed by ICICI Bank of the probable fraud risk, still requests
   to unblock the PayLater by ICICI Bank Facility, ICICI Bank shall not stand
   liable or responsible in any manner for any fraudulent transactions reported
   to it thereafter, on account of fraudulent usage of the PayLater by ICICI
   Bank Facility or otherwise.

 

XIII. Disclosure

 * ICICI Bank shall be absolutely entitled to disclose any information relating
   to the PayLater Customer (including personal information), details in
   relation to loans, defaults, obligations, to any
   governmental/regulatory/statutory body, or private agency/entity, Credit
   Bureau(s), ICICI Bank’s other branches/subsidiaries/affiliates/group
   companies, service providers, other banks/financial institutions and/or any
   third parties, through a written or oral communication, including paper
   publication (with or without photographs), or as required under the
   Applicable Law, for KYC information verification, credit risk analysis and/or
   for continuing to provide various products and services to the PayLater
   Customer. In this connection, the PayLater Customer waives the privilege of
   privacy and privity of contract. CIBIL and/or any other agency so authorised,
   may use and/or process the above said information and data disclosed by ICICI
   Bank, in any manner as deemed fit by them

 * The PayLater Customer hereby gives specific consent to ICICI Bank for
   submitting/disclosing the ‘financial information’ as defined in Section 3(13)
   of the Insolvency and Bankruptcy Code, 2016 (IBC), with respect to the
   PayLater facility by ICICI Bank availed by the PayLater Customer, from time
   to time, to Information Utilities as defined in Section 3(21) of the IBC. The
   PayLater Customer agrees and undertakes that it shall promptly authenticate
   ‘financial information’ submitted by ICICI Bank, as and when requested by the
   Information Utilities.

 * In case the PayLater Customer commits any default in payment or repayment of
   the principal amount of PayLater by ICICI Bank or interest/charges due
   thereon, ICICI Bank and/or the RBI will have an unqualified right to disclose
   or publish the details of such default, along with the name of the PayLater
   Customer as defaulters in such manner and through such media as ICICI Bank
   and/or RBI may, in their absolute discretion, think fit

 * The PayLater Customer authorises ICICI Bank, its group companies and their
   agents to exchange, share or part with all the information and details
   relating to PayLater Customer’s existing loans and/or repayment history to
   other ICICI group companies, banks, financial institutions, Credit Bureaus,
   agencies, statutory bodies etc. as may be required or as they may deem fit
   and shall not hold ICICI Bank (or any of its group companies or
   its/their/agents/ representatives) liable for use/sharing of this
   information.

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