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Popular FAQs

PayLater is a digital credit product, similar to a Credit Card. Shop online and pay back within 45 days.


PayLater is available as a payment option at ICICI Bank payment gateway for making online purchases, in addition to the standard options like credit card, debit card and Pockets Wallet. For making a payment, simply choose your PayLater Account in the checkout page

You get up to 45-day instant digital credit. You can pay your bills, shop online and pay to any merchant UPI ID instantly.

PayLater provides an instant credit up to 45 days which helps you manage your routine expenses without using your saving Account balance. Hence, it helps you maintain a higher balance and earn more interest amount.

The PayLater dues will be debited automatically from your ICICI Bank Savings Account.

No, you can have one Paylater account whose details will be reflecting in all eligible payment options.

PayLater by ICICI Bank is available to a set of customers who have pre-approved offer.

  • Customers can close the PayLater Account through the below channels:

    • Customer Care Number: 1860 120 7777

    • Customer Care E-mail ID:

    • iMobile Pay: PayLater < More options < Request for account closure < Select “Reason For Closure” and submit.


The Account closure shall only be effective once ICICI Bank receives the Total Amount Due with respect to the ICICI PayLater Facility.

Customers will be charged one time activation fees of Rs. 500 plus GST . A service charge of Rs.75 + applicable taxes is levied on every Rs. 3000 of monthly spent from your ICICI Bank PayLater account; applicable on monthly spend of Rs.3000 & above. Customer shall be charged penal interest based on daily total outstanding post the ‘Pay by Date’. Additionally, customer shall also be levied fixed late payment charges, in subsequently generated bills until dues cleared.

PayLater cannot be used for making Credit Card payments, or to transfer funds to other bank accounts or do any person to person funds transfer.

PayLater debits your account once a month consolidating all of your routine small ticket expenses and hence helps you to keep a track on your gross monthly expenses.