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  • ICICI Credit Card Balance Transfer

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  • You can transfer the credit balance outstanding on another Bank credit card to your ICICI Bank credit card at an attractively low rate of interest. With this facility, you can save a lot of money on the interest paid out on the credit card and can consolidate the outstanding balance available on your credit cards.

    Features of ICICI Bank Credit Card Balance Transfer

    • With the ICICI Bank Credit Card Balance Transfer you can repay the outstanding amount due at a lower rate of interest and thereby save money on interest payment to another Bank credit card.
    • You can choose to pay in EMIs for 3 months and/or 6 months
    • Processing of the Balance Transfer request is done quickly and efficiently.
    • The customer is responsible for any additional charges, overdue amount or fees levied by the other bank and has to continue payments to be made by the due date to the other bank credit card account, until the payment from ICICI is transferred to the account.

    How to Apply for Credit Card Balance Transfer with ICICI

    In order to avail the ICICI Bank Balance Transfer facility, all you have to do is contact the ICICI Bank customer care or send an SMS to 5676766 with the message “BT”. You can also give a missed call to 7572807807. The customer care will then contact you on the mobile number registered with the Bank.

    Know the Process of Balance Transfer

    In order to proceed with the Balance Transfer, you have to follow any of the two methods given below:

    • The Bank will send a Demand Draft to the cardholder’s mailing address, in favour of the other Bank that has issued the credit card from which you wish to transfer the outstanding amount. This will be credited to the other Bank credit card account of the cardholder. This same amount is then reflected on the ICICI Bank credit card held by the customer.
    • The Bank will initiate a NEFT transfer in in favour of the other Bank that has issued the credit card from which you wish to transfer the outstanding amount. . This will be credited to the other Bank credit card account of the cardholder. This same amount is then reflected on the ICICI Bank credit card held by the customer.

    Repayment

    There are two types of repayment option for the credit amount that has been transferred. This has to be chosen at the time of availing the Balance Transfer facility

    EMI Balance Transfer

    Under the EMI Balance Transfer facility, the cardholder has to repay the principal + interest in Equated Monthly Instalments. The EMI that has to be paid in a particular month will be reflected in the credit card statement issued by ICICI Bank. The cardholder can authorize the bank to debit the card account automatically, on a monthly basis. Once the payment is made, the credit limit available on the card will be reinstated accordingly. The EMI amount will be added to the prevailing Minimum Amount Due on the ICICI Bank credit Card.

    Flexi Balance Transfer

    Under this method of repayment, the amount that has been transferred from other Bank credit cards will be added to the EMI amount due or the Total Amount Due on the ICICI Bank credit card. The repayment has to be made as the total amount due. The outstanding amount that has been transferred will be charged at the special interest rate quoted by the Bank for Balance Transfer. Other charges and fees on transactions will have the same interest that is applicable by the Bank on the date of transaction. If the ICICI credit card holder has not repaid the transferred amount within the period specified, then standard rate of interest is applicable on the outstanding amount.

    ICICI Credit Card Balance Transfer Eligibility

    • Should have a minimum outstanding due of Rs.15,000 on the other bank credit card to become eligible for balance transfer
    • Should be ICICs existing credit card customer with decent track record of credit card spends, repayment history and transaction pattern

    ICICI Credit Card Balance Transfer On EMI Foreclosure

    If you wish to pre-close your EMI balance transfer facility before the end of the tenure, you need to pay the entire outstanding along with all interest and other charges with respect to the facility immediately. The bank will levy foreclosure charges as per the terms indicated in the communication received by your at the time of availing the balance transfer facility.

    The foreclosure request can be raised at any time by approaching ICICI’s helpline.  

    Default in payment of two consecutive EMIs may lead to pre-closure of the facility as demanded by the bank. ICICI reserves the right to demand for repayment of outstanding in full along with the interest, for any default in EMI payments.

    Cancellation ICICI Credit Card Balance Transfer On EMI

    You are eligible to apply for cancellation within 15 days of receiving the balance transfer facility. You can contact the bank’s customer care and ask to cancel the facility.

    Once your cancellation request gets approved, you may have to return the demand draft to Credit Card Operations, ICICI Bank Ltd., ICICI Bank Tower, C – Wing, Autumn Estate, Chandivali Farm Road, Chandivali, Andheri (East), Mumbai 400072.

    However, if you availed the balance transfer facility through an NEFT, you cannot cancel it. 

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    Credit Card Reviews

    • ICICI Bank Credit Card
      "Average card"
      0.5 3.5/5 "Pretty good"
      I have a ICICI Bank platinum credit card which is a life time free card. I have not availed for any EMI conversion the limit provided is only Rs.40,000 i am using this credit card for past 1 year. There is no mobile banking option and it is difficult to know the balance. I receive only email conformation.
      Was this review helpful? 1
      , bangalore
      Reviewed on Oct 25, 2019
    • ICICI Bank
      ICICI Bank Credit Card
      "Normal Card"
      0.5 3.0/5 "Satisfactory"
      There is no proper app for ICICI bank credit card and more than a year i hold this card. I am receiving discounts on online purchase. I won't much transaction on this card. After i done the purchase, I'm getting a notification regarding the balance amount and purchase amount.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Sep 30, 2019
    • ICICI Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I have been using ICICI CORAL credit card and got a good credit limit from the bank. There is no offers. They are not charging annually which am happy. I use this card for multi purpose. The payment mode is easier to pay the outstanding balance.
      Was this review helpful? 4
      , visakhapatnam
      Reviewed on Sep 17, 2019
    • ICICI Bank Credit Card
      "Excellent"
      0.5 3.0/5 "Satisfactory"
      I have selected ICICI bank saving account past 6 years . No need to maintain minum balance , Near by location ATM is more .while with drawl as per day Rs 50,000.Using through net banking and mobile user application, customer service is good and responsive.
      Was this review helpful? 1
      , bangalore
      Reviewed on Aug 03, 2019
    • ICICI Bank Credit Card
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      It has a offers with the amazon.in channel so i am getting 5% of cash backs unlimited for the all of the usage with the channel. The application is easy and simple to use. There is a EMI, balance transfer is there with the card, it is good to use.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 30, 2019
    • ICICI Bank Credit Card
      "GOOD"
      0.5 4.0/5 "Great!"
      There are no much benefits with the credit card provided with the ICICI BANK. The application is easy and comfortable to do the billing. There is a EMI and balance transfer option is there with the credit card. The overall service is good.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 23, 2019
    • ICICI Bank Credit Card
      "Average"
      0.5 4.0/5 "Great!"
      I am holding ICICI Bank credit card. I have been using this credit card over the past 4 years. Credit limit is very low and they are not increasing. I am not getting any cash back and reward point is not that good. Annual fee is chargeable and there is no balance transfer option.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 22, 2019
    • ICICI Bank Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      ICICI is a good card to use and 1 year ago i have taken this card. The credit limit is very less which is around Rs. 38000 and I'm not happy about it. The annual fee will get waived off if i use certain limit other wise i need to pay Rs. 1000. Since my account average balance was high hence they have given me a credit card without any documentation.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Jul 18, 2019
    • ICICI Bank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I have selected ICICI credit card past 2 years balance transfer option .Its is easy to convert EMI but minimum should be paid has Rs 5000 .Its is Life time credit card . while documents submitted through executive so there delay credit card , customer service is good and responsive .Iam using mobile application user friendly.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 09, 2019
    • ICICI Bank Credit Card
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      I am not using the offers with the card. The credit limit given was good also it is a life time free card. There is a option of EMI, balance transfer is applicable to be used with the card. The application is easy and the payment gateway is good with the card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 01, 2019
    • ICICI Bank Credit Card
      "Average card"
      0.5 3.0/5 "Satisfactory"
      ICICI is a average credit card to use. They have a website to redeeming the rewards points. The credit limit is good. They donâ??t club the EMI and there is a extra service charges and GST for EMI facility. They donâ??t have a balance transfer. Their customer care service is upto the mark.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 30, 2019
    • ICICI Bank Credit Card
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      The experience is good and it is a basic card and also i have movie ticket and air tickets offers available. The credit limit is good also it is a payable card. The application is easy to use added on that there is a EMI and balance transfer is there.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 26, 2019
    • ICICI Bank Credit Card
      "GOOD"
      0.5 4.0/5 "Great!"
      The ICICI BANK credit card has the good offers of cash backs and balance transfer added on that fuel offers are available with this card. It is a payable card but there is a waver off option is available. The card has the good credit limit with good service.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jun 26, 2019
    • ICICI Bank Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have been using ICICI bank savings and salary account from past 10 years approximately, their mobile application is up to the mark, i do not want to maintain zero balance account, their branch service and customer care service is good, they use to help me out as i felt any issue.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Jun 26, 2019
    • ICICI Bank Credit Card
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      I am using the card since from last 18 years with ICICI BANK. The card has the offer of loan based on the card, there are cash backs, coupons, movie tickets available. The application is easy also there is a EMI option, balance transfer is available.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 25, 2019
    • ICICI Bank Credit Card
      "Not satisfied"
      0.5 1.0/5 "Really Bad"
      ICICI has issued me a Platinum credit card but my experience was not good. I have used the card for only 6months then stopped using the card. It is a life time free credit card. The customer service is not up to the mark. The charges are more for late payments. I got a cash back offer of Rs.1400 but they have not considered this balance on my bill payments.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 10, 2019
    • ICICI Bank Credit Card
      "GOOD"
      0.5 4.0/5 "Great!"
      There are no much offers available with this ICICI BANK credit card, it is a basic card with no offers. The card has the good credit limit, it is a life time free card. There is a balance transfer options available but not availed with this card.
      Was this review helpful? 0
      , lucknow
      Reviewed on Jun 04, 2019
    • ICICI Bank Credit Card
      "Excellent is service"
      0.5 4.0/5 "Great!"
      customer service is good connect through i mobile application , while trying to customer support not connecting . past Eight month ago, there is no need to maintenance minimum balance. kyc document through executive.application is user friendly . Near to my location ATM not available.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 31, 2019
    • ICICI Bank Credit Card
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      I am having the savings account with the ICICI BANK where the banking process was good and there are no issues with this bank but there is a minimum balance should be maintained with this account which is nominal. The customer support is good in this bank.
      Was this review helpful? 0
      , chennai
      Reviewed on May 29, 2019
    • ICICI Bank Credit Card
      "Good Saving Experience"
      0.5 5.0/5 "Blown Away!"
      I have ICICI account around two years since its my saving account. I have to maintain the minimum balance its good and the I mobile application is very good I can mange everything through it and they wont take any charges for the IMPS, RTGS etc.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 24, 2019
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