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      *Important Notice

      We would like to inform you that ICICI Bank has decided to discontinue the PayLater facility with effect from 8th May 2025 11:59 P.M. IST. Please repay the utilised/outstanding amount in your PayLater facility, on or before the Payment Due Date indicated in your Statement of Accounts generated for the relevant billing period.

       

      Any active Auto Pay transactions linked to your PayLater Account will not be honoured from the Decommissioning Time. If you have setup Auto Pay for essential payments, we recommend switching your payment method in advance, to avoid any service disruptions.

       

      For any queries, please contact our Customer Care on 1800 1080 or visit our FAQs section

       

      ICICI Bank continues to offer various Banking solutions suited to your needs. Please visit www.icicibank.com for more information.

      Choose your mode of usage

      Scan to Pay

      Scan to pay

      Scan any merchant QR and pay instantly with ICICI credit Line - PayLater

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      Net Banking

      Net Banking

      Choose PayLater in ICICI net banking for your online shopping needs.

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      UPI Collect

      UPI Collect

      Use exclusive PayLater UPI for quick payment at all merchant checkouts!

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      Link to all UPI Apps

      Link to all UPI Apps

      Choose ICICI Bank in Credit Line on UPI option

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      Online Merchants

      Online Merchants

      Shop on your favourite online merchants and choose PayLater as Payment option

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      Hassle-free
      repayment of dues

      Pay through auto-debit mandate, UPI, NEFT, IMPS, and BBPS.  

      ICICI PayLater can be used across
      many categories of merchants* 

      Tab 1 Icon Alt Text All
      Tab 2 Icon Alt Text Electronics
      Tab 6 Icon Alt Text Travel
      Tab 5 Icon Alt Text Recharge
      Tab 1 Icon Alt Text All

      *PayLater is available on select merchants only. Merchants may reject transactions as per their internal policy.

      How to use PayLater?

      How to use PayLater?

      To keep your PayLater Account secure and ensure that you receive important updates, please update your mobile number and e-mail ID correctly in the account.

      This also enables you to:

      • Receive instant alerts
      • Receive real time updates on your transactions
      • Be notified if any suspicious or unauthorised transactions are carried out on your PayLater
      • Receive updates on new promotions, personalised offers etc.
      • Credit Information Companies (CICs) shall send alerts through SMS/ email when your Credit Information Report (CIR) is accessed
      • Receiving alerts from the Bank whenever DPD in their existing account is reported by the Bank to CICs

      PayLater FAQs

      EXPAND ALL | COLLAPSE ALL

       Why is ICICI Bank discontinuing the PayLater facility?

       ICICI Bank is discontinuing the PayLater facility as per its internal policy revisions from 8th May 2025 11:59 P.M. IST.

       When will PayLater transactions stop?

       You will not be able to carry out any transactions using PayLater from 8th May 2025 11:59 P.M. IST.

       What will happen to my pending dues?

       All outstanding dues must be cleared as per the existing repayment schedule, either through Auto Debit or the iMobile app/Retail Internet Banking. Late payments will attract penalties, as per the PayLater Terms & Conditions. Post clearance of all the dues, the Bank will close your PayLater Account.

       What will happen to the Auto Pay transactions linked to my PayLater facility?

       All Auto Pay transactions linked to your PayLater Account will be disabled from 8th May 2025 11:59 P.M. IST. Please update your payment method at the earliest, for uninterrupted services.

       How can I check my outstanding PayLater Account balance?

       You can check your outstanding balance in the PayLater section of the iMobile app or Retail Internet Banking.

       Will this impact my credit score?

       There will be no impact on your credit score, if you clear all outstanding dues on time. Delayed payments may affect your credit history.

       Who can I contact for further assistance?

       For any queries/assistance, please contact our Customer Care at 1800 1080.  

       What happens if I do not clear my PayLater dues?

       Failure to repay dues may lead to penalties and could be reported to credit bureaus, affecting your credit score.  

      What is ICICI Bank PayLater facility?

      ICICI Bank PayLater is a pre-approved Credit Line on UPI. Customers can check their offer eligibility under ‘Get Instant Loans/Offers’ section on iMobile. Customers can also check the eligible offers through Net Banking in the ‘Offers’ section and avail the required offers in just one click. 

      How can I get the PayLater facility?

      ICICI Bank PayLater facility is available to customers on an invitation basis only. Customers for whom the facility is available can activate it using iMobile or Internet Banking:

      iMobile >  Get Instant Loans/Offers > PayLater > Activate Now

      Internet Banking > Log in > Apply Online > Offers for you > PayLater > Activate Now

      What is the limit offered in ICICI Bank PayLater?

      The limit of your PayLater Account can range between Rs 7,500 to Rs 2,00,000, based on your eligibility. The limit is already set for the customers to whom the invite is sent.

      How to link the ICICI Bank PayLater Account to UPI payment apps such as BHIM?

      Go to settings/profile of the UPI app > Add Credit Line on UPI > Select ICICI Bank > Authenticate and it is done!

      Your ICICI Bank PayLater Account will be added as a payment option. You can transact for all your merchant needs like shopping, bill payments, recharge etc.

      *applicable only for customers with ICICI Bank Savings Account. For others this feature will be released soon.

      How to use ICICI Bank PayLater – Credit Line on UPI?

      Customers can use it through iMobile or any UPI payment app:

      UPI

      Scan and Pay mode*

      Collect: Add the UPI ID for making online payments.

      PayLater is also available for ICICI Bank Internet Banking transactions.

      What is my PayLater VPA/UPI ID?

      Every PayLater Account created through the iMobile app has a unique PayLater VPA (e.g. pl.XXXXXXXXXX@icici). You can check your PayLater UPI ID in the PayLater section of iMobile.

      PayLater Account used through other UPI apps will have different PayLater VPA IDs. Please check the VPA ID in the app’s settings/profile section against your ICICI Bank Credit Line on UPI.

      It can be used to make various UPI payments such as online shopping, mobile recharge, flight/train/bus/taxi bookings etc.

      Where can I use the PayLater UPI ID for payments?

      Payments to all the merchant QR codes can be made through UPI Scan and Pay. Online merchant payments can also be made by adding PayLater UPI ID as a payment option (UPI Collect request).

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