Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • ICICI Credit Card Bill Payment through Other Bank Debit Card

    ICICI Bank offers multiple payment modes to pay your credit card bill using both online and offline channels. Using a debit card to clear credit card outstanding due is one of the methods that can be done using both online and offline channels. However, ICICI Bank is currently accepting only ICICI Debit Cards to make credit card bill payments. Other bank debit cardholders may have to choose another payment method if they want to make their ICICI Credit Card payment.

    For all those who are having ICICI Debit Cards, let’s see how you can pay your credit card bill using both online and offline channels.

    Pay ICICI Credit Card Bill Using Other Bank Debit Cards

    The facility to make ICICI Credit Card payment through debit card, either online or offline, is currently available only for ICICI debit card users. The bank is not accepting card payments from other bank debit cards. However, you can pay from other bank accounts by transferring money to your credit card account either through NEFT or net banking.

    Pay ICICI Credit Card Bill Using Debit Card (Online)

    To allow credit card customers clear their dues using their ICICI Debit Cards, the bank has introduced an online service called ‘Click to Pay’. Using the option, cardholders can make their credit card payments using their debit card or net banking account. The same facility can also be used to pay ICICI loan outstanding dues.

    ICICI credit cardholders can directly use ‘Click to Pay’ to pay their card dues without any registration or net banking account. All you need is an active internet connection either to your PC or mobile phone and your credit card details. Once you are ready, follow the instructions below to pay your credit card bill using debit card.

    • Steps to pay ICICI Credit Card bill through ‘Click to Pay’
      • Visit ICICI bank’s ‘Click to Pay’ page (
      • Scroll down the page to find ‘Select your card type’ option
      • Select ‘ICICI Bank Debit Card’ from the drop down and click ‘Proceed
      • You will then be directed to a new page, where you need to enter your credit card details towards which you would like to make payment
      • Enter your credit card number, outstanding amount/bill amount and click on ‘Pay Now’
      • You will then be redirected to card payment gateway, where you need to enter your ICICI debit card details such as card number, expiry date, CVV and other authentication details as requested and click on ‘Confirm
      • On successful completion of the transaction, the screen will display a transaction reference number confirming your payment.

    Pay ICICI Credit Card Bill Using Debit Card (Offline)

    When you don’t have access to the internet, you have two options to pay your ICICI Credit Card bill using your ICICI debit card.

    • Through ICICI Bank ATM
    • By calling ICICI customer service

    Steps To Pay ICICI Credit Card Bill Using Debit Card At ATM

    You can visit any of the ICICI Bank ATMs to pay your credit card bill using your debit card. You need to have your credit card details such as card number, expiry, etc., to make payment. Hence, it is recommended to carry both ICICI Debit Card and ICICI Credit Card while visiting the ATM.

    • Once you are at the ICICI Bank ATM unit, insert your ICICI Bank Debit Card
    • Select your preferred language
    • Enter your debit card PIN
    • From the main menu, select ‘More Options’
    • Select ‘Loan / Credit Card Payment’ from the next slide
    • Choose ‘ICICI Bank Credit Card’ from the next screen
    • Enter your ‘Credit Card Number’ and click on ‘Yes’
    • ‘Enter the amount’ you wish to make towards credit card payment and click on ‘Yes’

    The best part about ATM payment is the amount gets credited instantly. So, if you are hours away from your credit card payment due date, you can walk-in to any ICICI Bank ATM, which again is available 24x7, and can avoid late payment charges.

    How to Pay ICICI Credit Card Bill Using Debit Card Through ICICI Phone Banking

    When you neither have internet access nor can go to ICICI ATM, you can use ICICI phone banking facility to pay your credit card bill with your ICICI debit card. Call ICICI 24x7 customer care, follow the instructions to make payment using your ICICI debit card. Your payment will be credited instantly to your credit card account. However, make sure to have both your ICICI credit card and debit card handy before calling the customer care.

    Benefits Of Paying ICICI Credit Card Bill Using Icici Debit Card

    Making ICICI credit card payment using debit card not only provide you with a quick and easy solution, but also offers a host of benefits as listed below.

    • Saves time: Paying ICICI credit card bill using debit card online is a quick and convenient process. You just need access to internet to make the payment while the traditional methods require you to write a cheque, drop it in bank branch office or ATM, or visit the bank, etc., thus saves a lot of your time and effort.
    • Bill payment at no cost: Are you aware that ICICI credit card bill payments made by cash at the bank’s branches attract a service charge of Rs.100 + tax per transaction? Bill payments made using debit card, on the other hand, are completely free. you don’t have to pay anything in excess to your credit card outstanding to avail the facility.
    • No registration required: Unlike ICICI net banking service which requires you to register the biller before you pay any bill using the net banking account, ICICI’s ‘Click to Pay’ does not require any registration. All you need is an active ICICI Indian (domestic) debit card with sufficient funds to pay the bill and an internet enabled device.
    • Instant credit: While other modes of credit card payment may require 2-3 working days to credit the payment, credit card bill payments made using debits cards will be transferred instantly.
    • Make payments from anywhere: Whether the channel of credit card payment is ICICI’s ‘Click to Pay’ facility or ‘Call to Pay’ feature or ‘Pay @ ATM’ service, the payment can be made from anywhere across the globe. Hence, you don’t have to be physically present to make the payment.
    • Safe and secure: Secured through 128 bits secure sockets layer (SSL), ICICI’s ‘Click to Pay’ facility provides a safe environment to conduct debit card transactions.

    FAQs on ICICI Credit Card Bill Payment

    1. Can I make ICICI credit card payment with other bank debit card?
    2. Currently, ICICI accepts credit card bills payments only through ICICI Debit Cards.

    3. How long will it take to process the credit card payments made through debit card?
    4. Credit card payments made using debit cards will be processed instantly once you have authorised your debit card transaction. A message with a successful transaction note will be displayed for successful transactions and you will also receive a payment transaction number. In case, your payment is unsuccessful, the same message will be displayed.

    5. I didn’t receive any transaction ID but the amount got debited from my debit card. How do I know whether or not the payment is successful?
    6. Even after a successful transaction, sometimes the system may not display transaction number due to connection failures, power outages and the like. In that case, you can check your credit card net banking account to find the transaction. ALternatively, you can also call ICICI customer care to check the same. If your credit card account is not credited with the transaction amount within 3 working days, make sure to report the same to the bank.

    7. Do I need to register for ICICI’s ‘Click to Pay’ facility to pay my credit card bill?
    8. No, you don’t have to register to avail the facility. All you need is an active ICICI debit card with sufficient funds to clear the due and an internet-enabled device.

    9. Can I use other bank debit cards at ICICI ATM to pay my credit card bill?
    10. No, only ICICI debit cards are currently accepted to make credit card bill payments through ATM.


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