ICICI Credit Card IFSC Code

Step 1: Log in to your net banking account (from any bank).

Step 2: Go to the Funds Transfer or NEFT section.

Step 3: Click on Add Beneficiary and enter the following details:

1. Payee Name: Your name (as it appears on the credit card)
2. Payee Account Number: Your 16-digit ICICI credit card number
3. IFSC Code: ICIC0000103 (this is the IFSC code for ICICI Bank credit card payments)
4. Bank Name: ICICI Bank
5. Branch: Mumbai

Step 4: Wait for the beneficiary to get approved (may take up to 30 minutes or more depending on your bank).

Step 5: Initiate a NEFT transfer using the above beneficiary to pay your credit card bill.

Step 6: Keep the transaction reference number as proof of payment.

ICICI Credit Card IFSC Code Format

An IFSC code (Indian Financial System Code) is an 11-character alphanumeric code used to identify a specific bank branch for electronic fund transfers.

The format of the ICICI Credit Card IFSC Code follows this pattern:

1. First 4 characters: Represent the bank name – ICIC
2. Fifth character: Always 0 (reserved for future use)
3. Last 6 characters: Identify the specific branch

For ICICI credit card payments, the commonly used IFSC code is:

ICIC0000103

1. ICIC: ICICI Bank
2. 0: Reserved character
3. 000103: ICICI Bank Cards Operations Branch, Mumbai

This code is used exclusively to route payments to ICICI Bank’s credit card division.

ICICI Credit Card NEFT Payment: Timings, Charges, and Limits

Here's everything you need to know about ICICI Credit Card NEFT payments:

⏱️ NEFT Timings:

1. Available 24x7, including weekends and bank holidays
2. Transactions are processed in batches every 30 minutes

💰 Charges:

1. No charges for NEFT payments made through online banking
2. Charges may apply if done via bank branch (as per bank policy)

💸 Transfer Limits:

1. The minimum amount is generally ₹1
2. The maximum limit depends on your bank’s NEFT transaction cap, usually up to ₹10 lakh per day

💡 Pro Tip: Always pay your ICICI credit card bill 1–2 days in advance to avoid late fees, as NEFT may take a few hours or a full working day to reflect.

Uses & Benefits of ICICI Credit Card IFSC Code

1. Makes paying credit card bill more convenient, easy and fast
2. Very safe way to pay bills
3. Helps those with accounts in other banks pay their credit card bill easily
4. Payments can be made at anytime and from anywhere
5. Good way to go cashless and digital.

What is CTS and How Is It Linked to the ICICI Credit Card IFSC Code?

CTS, or Cheque Truncation System, is an image-based cheque clearing system introduced by the Reserve Bank of India (RBI). Instead of physically moving cheques from one bank to another, banks use CTS to process cheque images and related data electronically.

While CTS itself is not directly related to ICICI Credit Card IFSC Code, both systems fall under the umbrella of India's digital banking infrastructure that enables fast and secure financial transactions. Here's how they intersect:

1. CTS is used primarily for cheque clearance.
2. ICICI Credit Card IFSC Code is used for electronic funds transfer like NEFT/RTGS/IMPS. In rare cases, a cheque issued for ICICI credit card payment may get processed through CTS, but most credit card bill payments are made using NEFT and require the IFSC code.

How to Search for the 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.