Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • ICICI Payback Points

    Under the ICICI Payback Points Rewards Programme, customers can earn points every time they shop. Payback is India’s largest multi-brand loyalty programme. Credit card holders eligible for this scheme can benefit from a multitude of vouchers, merchandise and much more.

    How to Redeem Payback Points on ICICI Bank Credit Cards:

    You can redeem your PAYBACK points under two categories:

    Redeem Payback Points For Cash:

    Every PAYBACK point you earn is worth 0.25 paisa. You will need to call the dedicated number for ICICI Bank PAYBACK Rewards Scheme : 080-40146444. Your points will be converted to its cash value and be credited to your credit card account within 7 working days.

    Redeem Payback Points For Gifts:

    You can redeem your points via the following methods:

    1. Call the PAYBACK customer care line and place your order. You will receive your gift at your registered address within 10 working days.
    2. Visit the PAYBACK website : www.payback.in and place a request for redemption online. You will receive your gift at your registered address within 10 working days.
    3. Visit any PAYBACK Partner store to redeem your points against your purchase.
    4. Redeem your points at online partner stores.

    How to Earn ICICI Payback Points on ICICI Bank Credit Cards

    Customers can earn PAYBACK points by spending on their credit cards. Bonus points are awarded for shopping at partner stores. Listed below are the credit cards currently available from ICICI Bank and the points that can be earned on them for every Rs. 100 spent on the card.

    Card Name Domestic Retail Spends All International Spends Online Others
    ICICI Bank Platinum Chip Credit Card 2 2 2 2
    ICICI Bank Instant Platinum Credit Card - Against FD 3 3 3 3
    Unifare Metro Credit Card 2 2 2 4 Points on metro top ups
    ICICI Bank HPCL Platinum Credit Card 2 2 2 5 Points on using at HPCL Petrol Pump
    ICICI Bank HPCL Coral Credit Card 2 2 2 5 Points on using at HPCL Petrol Pump
    ICICI Bank HPCL Coral American Express Credit Card 2 2 2 6 Points on using at HPCL Petrol Pump
    ICICI Bank Coral Credit Card 2 2 2 4 Points on Dining, Groceries and Supermarkets
    ICICI Bank Coral Contactless Credit Card 2 2 2 4 Points on Dining, Groceries and Supermarkets
    ICICI Bank Coral American Express Credit Card 2 2 3 4 Points on Dining, Groceries and Supermarkets
    ICICI Bank Rubyx MasterCard Credit Card 2 2 2 4 Points on Shopping or Travel or Essentials
    ICICI Bank Rubyx American Express Credit Card 3 3 3 6 Points on Shopping or Travel or Essentials
    ICICI Bank Diamant Credit Card 3 6 3 3
    ICICI Bank Sapphiro Platinum American Express Credit Card 3 6 3 3
    ICICI Bank Sapphiro Master Card Credit Card 2 4 2 2

    Accelerated ICICI Payback Points Rewards:

    Payback And ICICI Bank Offers You a number of ways to earn extra Payback points. Multiple your rewards by spending on your credit card for just about anything.

    1. Everyday shopping - Shop for groceries, dining and just about anything on your ICICI Bank credit card. Online spends are also eligible to earn reward points.
    2. Bill Payments - Set automatic payments for your utility bills to be paid on your credit card and earn reward points.
    3. Supplementary Cards - Avail of supplementary cards for your family members above 18 years. Earn more rewards for spends on the supplementary cards that will be credited to your account.
    4. High-value purchases - Spending on jewellery, holiday bookings and travel bookings and earn more rewards.
    5. International Travel - Carry your credit card abroad when you travel and be awarded for all your international spends.
    6. Payback Card - Use your ICICI Bank credit card along with your PAYBACK Card at partner brands and earn extra rewards.
    7. Payback City - Shop at PAYBACK partners in your city and earn extra reward points. A few examples of accelerated rewards in your city are given below:
      • You could earn 5 points for every Rs. 200 spent at Big Bazaar.
      • At Central, you can earn 4 points for every Rs. 100 spent.
      • At Hometown, you will earn 6 points for every Rs. 100 spent.
    8. Online Partner Brands - Shop at partner stores online and enter your PAYBACK number when making the payment. You will earn more reward points. A few examples of accelerated rewards online are given below:
      • Ezone online - Earn 3 points for every Rs. 200 spent.
      • Future Bazaar - Earn 3 points for every Rs. 100 spent.
    9. Payback Online Store - Choose your shop online, enter your PAYBACK number on the selected merchant’s page and select “Shop Now”. You can then shop on the merchant’s site and earn PAYBACK points for your purchases.
    10. Payback Partner Stores - You can shop at partner brands and earn additional PAYBACK points with special offers from the partner stores. You can find out about special offers in emails from PAYBACK or visit the online coupon centre on the PAYBACK website.
    11. Coupons - Access the Coupon Centre on the PAYBACK website. Activate your coupon and shop online or at a partner store. Earn extra points for your purchases.

    Partner Stores of ICICI Payback Credit Cards:

    Use your ICICI Bank credit card along with your Payback Card at partner store to multiply your rewards. You can earn both reward points and accumulate more points that you can later redeem for a host of rewards offered. Listed below are some of the popular partner stores of PAYBACK.

    Partner Value of transaction Points earned
    Amazon Rs. 100 Up to 14 points
    Basics Life Rs. 100 Up to 150 points
    Domino’s Pizza Rs. 100 Up to 8 points
    Ferns n Petals Rs. 100 Up to 6 points
    First Cry Per transaction Up to 20 points
    Flaberry Rs. 100 Up to 18 points
    Flipkart Rs. 100 Up to11 points
    Healthkart Rs. 100 Up to 6 points
    IndiaTime Shopping Per transaction Up to 30 points
    Jabong Rs. 100 Up to 7 points
    Naaptol Rs. 100 Up to 12 points
    AskMeBazaar Rs. 100 Up to 13 points
    IndiaMags Rs. 100 Up to 12 points
    McDonald’s Rs. 100 Up to 5 points
    Paytm Rs. 100 Up to 3 points
    Zivame Rs. 100 Up to 8 points
    Pepperfry Rs. 100 Up to 12 points
    Purple Per transaction Up to 60 points
    Snapdeal Rs. 100 Up to 12 points
    Shopclues Rs. 100 Up to 4 points
    Surat Diamond Jewellery Per transaction Up to 60 points
    The Yellow Door Rs. 100 Up to 7 points
    TrendIn Per transaction Up to 150 points
    FoodPanda Rs. 100 Up to 12 points
    YepMe Rs. 100 Up to 5 points

    You can earn extra points for transactions with Payback partners. Given below is a list of Payback partners.

    Online Partners for Payback Points: In Store Partners:
    American Express Big Bazaar
    ICICI Bank Samsung
    Trip Advisor eZone
    First Cry Central
    MakeMyTrip Carzonrent
    BookMyShow FLF
    HiCare Food Bazaar
    eBay Brand Factory
    Naaptol Foodhall
    Oxigen Hotel Formule 1
    Perfume2Order Hometown
    Surat Diamond Jewellery HPCL
    MobiKwik Pantaloons
      Easy Cabs

    What You Can Redeem your ICICI Payback Points

    You can redeem your points for a variety of rewards. Redeem your PAYBACK points for the following:

    • Cash - Every PAYBACK point you earn is worth 0.25 paisa. Upon your request, your points will be converted to cash and credited to your credit card account.
    • In-store - Redeem your points while you shop at any of the PAYBACK partner stores.
    • Catalogue - Take your pick from the PAYBACK rewards catalogue and choose your merchandise.
    • Air Miles - As a PAYBACK member, you can convert your points to air miles with partner airlines. This option is available to customers who are eligible to convert their points to air miles as specified by the credit card.
    • Charity - Make a donation to a charity listed in the catalogue by converting your points its cash value.

    Payback Rewards Catalogue:

    The catalogue offered under the PAYBACK Rewards Scheme has an unlimited array of merchandise. Visit the PAYBACK website to view the complete catalogue of rewards on offer.

    Rewards Categories

    • Fashion and Lifestyle
    • Books
    • Home & Kitchen
    • Beauty, Health and Gourmet
    • Sport, Fitness and Outdoors
    • Toys and Baby products
    • Electronics
    • Gift Cards
    • Luxury
    • Stationery
    • Gifts
    • Air Miles
    • Charity

    Fees & Charges to Redeem Payback Points on ICICI Bank Credit Cards:

    Service charges are levied based on the type of redemption.

    1. Catalogue: For rewards redeemed from the catalogue, a handling fee of Rs. 99 plus service tax will be applicable.
    2. Online: For redemptions done online at PAYBACK Partner brands, a fee of Rs. 25 plus service tax will be levied.
    3. In-Store: To redeem rewards at PAYBACK Partner stores, a fee of Rs. 25 plus service tax will be levied.
    Redemption Option Charges
       
    Catalogue Rs. 99 handling charges + Service tax
    Online Rs. 25 handling charges + Service tax
    In-Store Rs. 25 handling charges + Service tax

    Eligible ICICI Bank Credit Cards For Payback Rewards Programme

    The ICICI Bank credit cards that are eligible to earn and redeem rewards under the PAYBACK programme are listed below.

    Gemstone Collection:

    • ICICI Bank Diamant Credit Card
    • ICICI Bank Sapphiro Credit Cards
    • ICICI Bank Rubyx Credit Cards
    • ICICI Bank Coral Credit Cards

    Instant and Secured Cards:

    • ICICI Bank Instant Platinum & Titanium Credit Cards
    • ICICI Bank Instant Gold Credit Card
    • ICICI Bank Easy Deposit Gold & Silver Credit Cards
    • ICICI Bank Easy Deposit Credit Card
    • ICICI Bank Secured Silver (Sterling Silver) Credit Card
    • Co-branded and Affinity Credit Cards
    • ICICI Bank HPCL Platinum & Titanium Credit Cards
    • ICICI Bank Adani Credit Card

    Faqs of ICICI Bank Payback Rewards

    1. For what can I redeem my Payback points for?

      The points you earn can be redeemed against a host of options offered by Payback rewards. Choose items from the PAYBACK rewards catalogue or shop at Payback partner brands in-store and online.

    2. Who is eligible for the Payback programme?

      Anyone who holds an eligible ICICI Bank credit card will automatically be enrolled in the PAYBACK programme.

    3. What is a Payback card?

      A PAYBACK card will be issued to you. This is your membership into the PAYBACK loyalty programme. It cannot be used to make payments. You can use the card to earn PAYBACK points with your credit card and at PAYBACK partners.

    4. Who are the Payback partners?

      PAYBACK has a list of partners that include MakeMyTrip, HPCL, Brand Factory, Central, Brand Factory, Ezone and more. Check out the list of partners mentioned in the PAYBACK Section above.

    5. Do Payback Points expire?

      Yes, PAYBACK points will expire in 3 years from when they were earned.

    6. Will my Payback card expire?

      No, your PAYBACK card is valid for a lifetime.

    7. Do I have to register for the Payback programme?

      You will be automatically enrolled in the programme if your card is eligible. But you need to register online on the PAYBACK website. Enter your card number and fill in the relevant details. Within 24 hours, a password will be generated and sent to your registered email ID.

      

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    ICICI Payback Points Reviews

    • ICICI Bank Credit Card
      "Need to increase the Credit Limit"
      0.5 5.0/5 "Blown Away!"
      I am using ICICI credit card for 3 and half years, its a good one to use, but while applying they provided credit limit as 15 thousands post that they increase to 25 only, i would like to suggest to provide more credit limit, mean while the customer service was good.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 24, 2019
    • ICICI Bank Credit Card
      "Overall good"
      0.5 4.0/5 "Great!"
      I bank with ICICI Bank for a credit card. The customer services and response is good and there are good offers as well. Just that the credit limit is less. Else there are no hassles while using the card. The transactions are smooth and easy and no issues.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 24, 2019
    • ICICI Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I hold ICICI bank credit card for long time, They have given me good offers in airport lounge, shopping movie tickets etc, They have not charged me annual fee in this card , it is life time free credit card,They have given me good credit limit. Their overall service is good.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 24, 2019
    • ICICI Bank Credit Card
      "Satisfied with the card"
      0.5 5.0/5 "Blown Away!"
      I bank with ICICI Bank for the credit card and there are good deals on the card. The customer services and response is good and there are no issues with the bank. There is a good credit limit as well. It has been a hassle free experience overall for me.
      Was this review helpful? 0
      , pune
      Reviewed on Apr 24, 2019
    • ICICI Bank Credit Card
      "Its Good"
      0.5 5.0/5 "Blown Away!"
      Eight months I have been ICICI credit card, its has life time free benefits and they upgraded the card features but the drawback is the limit they gave me only Rs. 30,000. The charges are very nominal, I am not getting any cash back based on the spend.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 24, 2019
    • ICICI Bank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have a CORAL credit card with ICICI BANK and its almost 15 years. Its is easy to access and am happy with the benefits. There is no annual fee for my credit card. The credit limit is very high. It has option for flexi pay but never tried it. I use this card for multi purpose.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 24, 2019
    • ICICI Bank Credit Card
      "Good "
      0.5 4.0/5 "Great!"
      I have taken the ICICI Bank credit card just for the sake of getting it. It has a annual fee of 200 only. But the expenditure to waive off that 200 is 50K, which is too much. I do not use it much. When ever I used it, there were no hassles. In all no hassles.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 24, 2019
    • ICICI Bank Credit Card
      "Lesser credit limit"
      0.5 3.0/5 "Satisfactory"
      In ICICI, I make my 75 % of the card bill to them . I maintain good track record with ICICI service . But they also never bothered to increase my credit limit . I requested them for two or three times but those customer care people have never responded for my request .
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 24, 2019
    • ICICI Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I am using icici Bank credit card last 2 years . Service provided by icici Bank is good and their response is good . This is life time free card i used for multipurpose .After approval card i got after 3 days I satisfied with credit limit 50k and cash back and rewards point offer in this card .
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 24, 2019
    • ICICI Bank Credit Card
      "Very Good Service"
      0.5 4.0/5 "Great!"
      I am using the ICICI Bank Credit Card from the year of 2015 and the services with them has been good. There is some good benefits in using this card like cash back offers and i am using the card for all sort of purposes. There are no annual charges with this card and i am satisfied with the credit limit which is offered on this credit card.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 24, 2019
    • ICICI Bank Credit Card
      "Good card for the reward points"
      0.5 4.5/5 "Excellent!"
      More than 2.5 years I have been using more ICICI credit card, the service is very transparent. They gave me Rs. 1.5 lakh of imit its satisfactory, I am holding life time free credit card, I used to track the credit card information through netbanking. But one time they charged me over limit fee then I raised request but they didn't consider it.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 24, 2019
    • ICICI Bank Credit Card
      "No hassles"
      0.5 5.0/5 "Blown Away!"
      ICICI Bank is good in the credit card features. I been using the card and there are no hassles whilst using the card. The credit limit is fine. The customer support and response is good and there are good benefits on the card and the billing is good too.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 24, 2019
    • ICICI Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I took ICICI bank credit card from long time, They have not been charging annual fee as it is life time free credit card, They have given me good offers in bookmyshow.com, They have given me good credit limit as i have expected, their overall service is good so far.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 24, 2019
    • ICICI Bank Credit Card
      "Very good"
      0.5 4.0/5 "Great!"
      Service provided by icici Bank is good and their response is good .I am using icici Bank credit card last one and half years This is chargeable 500 rupees , i used for multipurpose .After approval card i got after 3 days I satisfied with limit 66k and cash back and rewards point offer in this card .
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 24, 2019
    • ICICI Bank Credit Card
      "Its Good"
      0.5 5.0/5 "Blown Away!"
      Long back I got the ICICI coral credit card , that card for the international purpose and also it good for foreign transaction but I didn't use it for long time. Hence the bank called me and gave me another card its good for the online and offline shopping.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Apr 24, 2019
    • ICICI Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      It has almost been ten years since i am using the ICICI BANK CREDIT CARD, the services with them has been good. It is a life time free card and i am happy with the credit limit with this card. There is some added benefits with this card like reward points and also cash back offers. I am using the card for on-line as well as off-line purchases.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 24, 2019
    • ICICI Bank Credit Card
      "Very good"
      0.5 4.0/5 "Great!"
      This is life time free card no need any annual charges and in this card cash back offer but not much sometime got cash back last five month above I have ICICI bank credit card and I am satisfied with credit limit 45K and their customer service is good and response is also good , I am happy with this credit card,
      Was this review helpful? 1
      , hyderabad
      Reviewed on Apr 23, 2019
    • ICICI Bank Credit Card
      "Very Good Service"
      0.5 4.0/5 "Great!"
      It has been six years since i am using the ICICI BANK CREIDT CARD, the services of them has been good where there has been some very good offers they are providing as well. I am happy with the credit limit with this card and i am using the card for all sort of purposes like shopping. There is a good cash back offer which i am getting through this card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 23, 2019
    • ICICI Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I bought ICICI BANK Credit card . There is no joining fee at the time of getting he card . The rate at which they provide rewards is also very good.They do run cash back offers on Amazon and Flipkart. Overall it is a useful card to have. I use this card for multipurpose .
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 23, 2019
    • ICICI Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I've been using the ICICI BANK credit card for a while.They don't have any commendable offers and promotions. The interest rates seems to be Reasonable. They are ready to increase my credit limit but i am happy with what i have and they gave me 44000 of credit limit .
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 23, 2019
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