A credit card IFSC code is used by a cardholder to make a payment towards an outstanding credit card bill online through National Electronic Funds Transfer (NEFT). The Indian Financial System Code for credit cards is specifically designed to make the bill payment process more convenient. The ICICI Bank credit card IFSC code is ICIC0000103, which is made up of 11 digits, both numericals and alphabets. In this case, the first 4 letters, ‘ICIC’ denotes the title of the bank and the following digit ‘0’ or zero, is kept aside for later use by the bank. The last 6 digits ‘000103’ refers to the bank branch that will be accepting payments towards the credit card.
This means that those who own an ICICI credit card can pay their bill through NEFT even if they do not have an account with ICICI bank. Therefore, even those who have an account in any other bank will be able to pay their bill using this facility.
How to search for ICICI Credit Card IFSC Code
ICICI credit card IFSC code can be found online on various financial websites and can also be found on the bank website. This code is the same for all ICICI Bank credit cardholders and will not change like the bank IFSC code, which is branch-specific and used for initiating fund transfer using NEFT, IMPS or RTGS. It is important to note that a credit card IFSC code is not the same as the IFSC code of the savings account.
To make a payment using credit card IFSC code, the card has to be first registered as a beneficiary. The 16-digit card number needs to be given as the account number, followed by the credit card IFSC code.
Uses & Benefits
- Makes paying credit card bill more convenient, easy and fast
- Very safe way to pay bills
- Helps those with accounts in other banks pay their credit card bill easily
- Payments can be made at anytime and from anywhere
- Good way to go cashless and digital
FAQ's of ICICI Credit Card IFSC Code
1. What is information that is required to pay ICICI credit card bill?
The information required is:
- Credit card IFSC code
- Credit card number
- Credit card account holder name
2. Is there a transaction code that is used to make a bill payment? If yes, what is this code?
Yes. Transaction code 52 needs to be used along with the IFSC code to pay bills.
3. Is it necessary to make payment a day before the due date?
Since NEFT payments are processed in batches, it is much safer to make a payment a day before the due date to avoid any type of additional charges, in case the payment is processed the next day.
4. How long does it take for the payment to be reflected in the credit card account of the customer?
Ideally, the payment will be processed and will reflect in the bank account of the customer in 2 working days.
5. Are there any charges for paying bill using this method?
No. This is a free service.
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