Credit Cards - FAQs

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Card Basics Credit Limit Revolving Credit Settling the Bill
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What should I do if my card is lost or damaged?
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Can I retain my credit card if I emigrate?
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Can I use my credit card for expenses on the Internet?
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What do I do if my credit card is declined?
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How do I protect my credit card against fraud or theft?
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How do I use my credit card?
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Query on Cash limit reduction
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How do I update my Mobile number/Email address?
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Want to know why interest charges are levied?
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Queries related to Insurance Policy
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Query on Stop Bill Payment
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What should I do if my card is lost or damaged?
Inform our ICICI Bank 24-hour Customer Care Centre. immediately. They will block your lost/damaged card instantly and a new card will be delivered to you within seven days.

Can I retain my credit card if I emigrate?
Credit cards (including global cards) are issued to resident Indians only. Therefore, under RBI guidelines, you have to clear your outstanding and surrender your credit card to the issuing bank if you are proceeding abroad on employment or on emigration

Can I use my credit card for expenses on the Internet?
Yes, your credit card can be used for expenses on the Internet. However, the Reserve Bank of India prohibits its use for certain expenses on its banned list like football pools, sweepstakes and lotteries.

What do I do if my credit card is declined?
Please call us at our 24-hour Customer Care Centre.

How do I protect my credit card against fraud or theft?
These tips are important and universal:

Sign your card as soon as you receive it!
When you use your card at an ATM, enter your PIN in such a way that no one can memorize your keystrokes.

Don't leave your receipt behind at the ATM. Your PIN and account number from a discarded receipt could make you vulnerable to credit-card fraud. Also, don't throw out your credit-card statement, receipts or carbons without first shredding them!

Never give your credit-card number over the telephone unless you initiated the call.

Even when you place the call to a legitimate merchant, never give out your card number over a cordless phone. One common scam is when someone calls you "back" right after you place an order, claims to be from the merchant and tells you that there was a problem with your card number, so would you mind giving it to them again? The safest thing to do is to ask them to read out the number they have, and then change any incorrect numbers.

Ignore any credit-card offer that requires you to spend money upfront or fails to disclose the identity of the card issuer.
Make certain you get your card back after you make a purchase (one good habit to observe is to leave your wallet open in your hand until you have the card back). Also, make sure that you personally rip up any voided or cancelled charge slips.

Always keep a list of your credit cards, credit-card numbers and toll-free numbers handy, in case your card is stolen or lost.

Check your monthly statement to make certain all charges are your own, and notify the card issuer of any errors or unauthorised charges immediately.

How do I use my credit card?
Please check out the Usage Guidelines for credit cards.


Query on Cash limit reduction
As a standard banking practice, we review our cash withdrawal policies on credit cards regularly.
Based on the recent review, cash limits for all ICICI Bank Credit Card customers are being reduced.
However, the overall credit limits remain unchanged.


How do I update my Mobile number/Email address?
You may update your mobile number/e-mail ID through any of the following channels:
Internet Banking:
  • Login to www.icicibank.com with your user ID and password
  • Click on “Credit Card” option
  • Under "Credit Card Alerts" on the left side of the page, click on “Alert Subscription”
Phone Banking:
  • Call our 24-hour Customer Care. Our customer service executive will assist you.
  • Enter your 16-digit credit card number and your 4-digit PIN (personal identification number) or your DOB.
To know the Customer Care number, please click here


Want to know why interest charges are levied?
Interest will be charged if the Total Amount Due is not paid by the payment due date. Interest will be charged on the Total Amount Due and on all new transactions (from the transaction date) till such time as the previous outstanding amounts are paid in full. Also, interest will be levied on all cash advances from the date of the transaction until the date of payment.


Queries related to Insurance Policy?
For queries related to insurance policies, please contact ICICI Lombard on toll-free no.18002098888.

You may also write to:
ICICI Lombard General Insurance Company Ltd,
Customer Support Team,
4th Floor, Interface 11,
Office No 401 & 402,
New Link Road,
Malad (W),
Mumbai - 400064.

You may also login at www.icicilombard.com and click on "Customer Support" and then on "Grievance Redressal" to communicate your complaint.


Query on Stop Bill Payment
To help us process your request, please call our 24-hour Customer Care Centre.
To know the Customer Care number, please click here