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Most Important Terms and Conditions (MITC)

To get the complete version of the Credit Card Terms and Conditions, please visit www.icicibank.com

Schedule of Fees and Charges

Please note that the entire Schedule of Fees and Charges, benefits and features may change at any point of time at the discretion of ICICI Bank with prior notice to the customer.

1. Joining Fees, Annual Fees and Supplementary Card Fees: There is no joining fee for Amazon Pay ICICI Bank Credit Card.

2. Finance Charges:

Overdue Intereston Extended Credit

Interest on Cash Advances

MonthlyRate

AnnualRate

MonthlyRate

AnnualRate

3.5% - 3.8%

42% - 45.6%

3.5% - 3.8%

42% - 45.6%

The interest rate will vary dynamically from 3.5% per month to 3.8% per month based on the customer’s behaviour and performance.

3. Other Fees and Charges:

Cashadvance–transaction fee

Cash advance – transaction fee

Cash advance – transaction fee (w.e.f. Feb 10, 2022)

  1. On all Cards - 2.50% on advanced amount, subject to minimum of ₹300 -

  2. 1.99% on advanced amount subject to minimum of ₹300.

  3. Withdrawal fee is Nil.

On Easy Deposit Card – Nil for cash withdrawals at ICICI Bank ATMs.

On Cash Card - ₹151 per transaction.

On all Cards - 2.50% on advanced amount, subject to minimum of ₹500

Dial-a-draft –transactionfee

3% of the draft value amount, subject to a minimum fee of ₹300

Late payment charges

Effective Oct 27, 2023: The Late Payment charges on your Card will be a function of the Total Amount Due minus any payment received before payment due date and will be as follows: Outstanding = Total Amount due (as of previous statement) – Payment Received before payment due date.

Total Amount Due

Late Payment Charges

Late Payment Charges (w.e.f. Feb 10, 2022)

Less than ₹100

None

None

Between ₹100 and ₹550

₹100

₹100

Between ₹501 - ₹5,000

₹550

₹500

Between ₹5,001 - ₹10,000

₹550

₹750

Between ₹10,001 - ₹25,000

₹750

₹900

Between ₹25,001 - ₹50,000

₹750

₹1000

More than ₹50,000

₹750

₹1200

Over-limit charges*

2.50% on the over-limit amount (subject to a minimum of ₹550)

Return of cheque

Charges for Return of cheque

Charges for Return of cheque (w.e.f Feb 10, 2022)

2% of Total Amount Due (Min. ₹450) #

2% of Total Amount Due (Min. ₹500) #

Auto Debit return fee

Charges for Auto Debit return fee

Charges for Auto Debit return fee(w.e.f. Feb 10, 2022)

2% of Total Amount Due (Min. ₹450)#

2% of Total Amount Due (Min. ₹500)#

Fee on cash payment at branches

₹100 per payment transaction

Outstation cheque processing fee

1% of the cheque value, subject to a minimum of ₹100

Duplicate Statement Request (beyond 3 months)

₹100

Cardreplacementfee

₹100

Cheque/Cashpick-upfee

₹100perpick-up

Charges lip request

₹100 per charge slip

Foreign currency transactions**

Mark-upof 3.50%###. A refund initiated by the customer on similar Foreign Currency transactions will also attract a 3.5% Mark-up fee.

Dynamic Currency Conversion Fee (w.e.f. Mar 01, 2024)

1% dynamic currency conversion fee will be applied on all the transactions conducted in Indian currency at international locations or transactions carried out in Indian currency with merchants located in India but registered in a foreign nation.

Rent Pay Transactions (w.e.f. Oct 20,2022) ***

1% fee on transaction amount

Fuel surcharge

1% of transaction value or ₹10 whichever is higher. This surcharge levied will be completely waived off for the fuel transactions made on Amazon Pay Card. On fuel purchase at Off-us terminals, the surcharge reversal will not include Goods and Services Tax.

Goods and Services Tax (GST)

Effective July 01, 2017, the Goods and Services Tax (GST) will be applicable instead of Service Tax. GST may be applicable from time-to-time. Presently the GST rate for banking and financial services is at 18% (applicable on all fees, interest, surcharge and other charges).

**Over-Limit Fee: Bank may approve certain transactions attempted by the Card Member, which can breach the credit limit, as a service gesture. Please note that if the outstanding amount exceeds the credit limit, an over-limit fee of 2.5% of the over-limit amount (subject to a minimum of  ₹550) will be levied. Over-limit status may also happen because of fees or interest charges.

**Charges in foreign currency: If a transaction is made in a currency other than Indian Rupees, that transaction will be converted into Indian Rupees. The conversion will take place on the date the transaction is settled with ICICI Bank, which may not be the same date on which the transaction was made. If the transaction is not in USD, the conversion will be made through USD, by converting the charged amount into USD and then by converting USD amount into Indian Rupees.

Unless aspecific rate is required by applicable law,the conversion rate from USD to Indian Rupees will beat the rates provided by VISA,as the case maybe,onthe settlement date, increased by a Currency Conversion Factor assessment (currently 3.50%) onsuchtransactions.

***All transactions towards payment of rent on any merchant will be levied 1% fee. All the transactions routed through Merchant Category Code (MCC) 6513 will be considered as rent pay transactions.

No reward point will be extended for the transaction routed from 6513 MCC.

#In addition, ₹50 + GST will be debited from customer’s Savings Bank Account. In case customer executed a partial payment against Total Amount Due (TAD) then fee will be calculated on Total Amount Due (TAD) minus payment if applicable.

4. Interest Charges:

  1. Interest will be charged if the Total Amount Due is not paid by the payment due date. Interest will be charged on the Total Amount Due and on all new transactions except Fees/charges and GST/Taxes (from the transaction date) till such time as the previous outstanding amounts are paid in full. In addition, interest will be levied on all cash advances from the date of the transaction until the date of payment.

  2. The rate of interest may be changed at the sole discretion of ICICI Bank.

  3. In case of default, interest charges may increase up to a maximum of 3.8% per month (46% per annum).

The following illustration will indicate theme thod of calculating interest charges:

In the table given below, it has been assumed that the Total Amount Due of the previous month’s statement has been paid by the payment due date and there is no outstanding amount. The statement date is 8th of every month. Given these assumptions, interest will be calculated as below:

Transaction

Purchase on April 10, 2019

2,000

Total Amount Due on statement dated April 15, 2019

2,000

Minimum Amount Due on statement dated April 15, 2019

100

Payment due date - May 3, 2019

Purchase on May 7, 2019

800

Payment on May 10, 2019

1,500

On statement dated May 15, 2019, following interest charges will be levied:

Interest calculations @ 42% per annum

a) Interest on ₹2000 for 30 days (from April 10, 2019 to May 9, 2019)

69.04

b) Interest on ₹500 for 6 days (from May 10, 2024 to May 15, 2019)

3.45

c) Interest on ₹800 for 9 days (from May 7, 2019 to May 15, 2019)

8.29

Total interest charged in the statement dated May 15, 2019

80.78

GSTwillbeapplicableoninterestcharges.

Effective Oct 26, 2023, any fee/GST transaction on the customer’s statement after Oct 26, 2023 will not be compounded for interest calculation.

The following illustration will indicate the method of calculating interest charges:

In the table given below, it has been assumed that the Total Amount Due of the previous month’s statement has been paid by the payment due date and there is no outstanding amount. The statement date is 8th of every month. Given these assumptions, interest will be calculated as below:

Transaction

w.e.f. Oct 26, 2023 (₹)

Purchase on Sep 20, 2023

2,000

Total Amount Due on statement dated Oct 08, 2023

2,000

Minimum Amount Due on statement dated Oct 08, 2023

100

Payment due date - Oct 26, 2023

Purchase on Oct 15, 2023, Rent Pay

2,000

Convenience fee on Rent Pay on Oct 15, 2023

20

Tax on convenience fee

3.6

LPC charged on Oct 29, 2023

500

Tax on LPC

90

On statement dated Nov 08, 2023, following interest charges will be levied:

Interest calculations @ 42% per annum

a) Interest on Sep 20, 2023 Transaction

115.07

b) Interest on Oct 15, 2023 Transaction

57.53

c) Interest on Convenience Fee – Pre-deployment

0.58

d) Interest on GST on Convenience Fee – Pre-deployment

0.1

e) Interest on LPC

No interest charged

f) Interest on GST on LPC

No interest charged

Total interest charged in the statement dated Nov 08, 2023

173.28

6. Late Payment Charges(LPC):

Late payment charges will be applicable if the Minimum Amount Due is not paid by the payment duedate.

Illustrative Example for Calculation of Late Payment Charges:

Payment of at least Minimum Amount Due i.e., ₹100 in the above example is required to be paid by the payment duedate(3rd May),to ensure that no late payment charges are levied.If minimum amount due is not paid,late payment charges would be levied as per the below table:

Total Amount Due

Late Payment Charges

Late Payment Charges (w.e.f Feb 10, 2022)

Less than₹100

None

None

Between₹100-₹500

₹100

₹100

Between₹501-₹5,000

₹500

₹500

Between 5,001-10,000

₹500

750

Between10,001-25,000

₹750

₹900

Between25,001-50,000

₹750

₹1,000

Morethan50,000

₹750

1,200

Illustrative Example for Calculation of Late Payment Charges:

Effective Oct 27, 2023, late payment will be charged on Total Amount Due minus any payment received before payment due date. The following illustration will indicate the method of calculating Late Payment Charges:

Transaction

(w.e.f. Oct 27, 2023)

Credit Limit

26,000.00

26,000.00

Purchase on Sep 20, 2023

26,000.00

26,000.00

Total Amount Due on statement dated Oct 08, 2023

26,000.00

26,000.00

Minimum Amount Due on statement dated Oct 08, 2023

1,300.00

1,300.00

Payment due date - Oct 26, 2023

Payment on Oct 28, 2023

1,100.00

1,100.00

Late Payment Fee on Oct 30, 2023

1,000.00

900.00

Tax on Late Payment Fee

180.00

162.00

This charge will also be applicable if you make a payment ofless than the minimum amount due by the payment due date. GST will be applicable on latepaymentcharges.

7. Interest-Free(Grace)Period:

The grace period could range from 18to 48 days.

Illustrative example for the calculation of grace period: For a statement for the period from Apr 15, 2019 to May 15, 2019 the payment due date would be Jun 2, 2019. Assuming that you have paid your Total Amount Due of the previous month statement by the payment due date, the grace period would be:

  1. For a purchase dated Apr 24, 2019, the interest-free grace period is from Apr 24, 2019 to Jun2,2019,i.e., 40days.

  2. For a purchase dated May 14, 2019, the interest-free grace period is from May 14, 2019 to Jun2,2019,i.e., 20days.

Thus, the grace period can vary depending upon the date of purchase. However, if the Total Amount Due is not paid by the payment duedate,then there will be no interest-free period.

For cashadvances,interestischargedfromthedateofthetransactionuntilthedateofpayment.

(a) Withdrawal Limits: The Credit Limit and Cash Withdrawal Limit are communicated at the time of delivery of the Card and are indicated in the monthly statements. Available credit limit is calculated by deducting the utilised limit from the Total Credit Limit. In case the Card Member has availed of any loan within the credit limit on the Card, the outstanding loan amount will also be deducted from the Total Credit Limit to arrive at the Available Credit limit.

Cash limit will be a sub-set of credit limit and will be NIL for the first one hundred and eighty (180) days from the date of issuance of the Card, as it is specified on select Cards as may be specified by ICICI Bank. After the expiry of the first 180-day period from the date of issuance of the Card, ICICI Bank will make the cash limit available to the Card Member at its sole discretion and on such terms as may be communicated by ICICI Bank from time-to-time.

The Card Member shall be entitled to apply for a review / enhancement / reduction of the credit limit and/or cash limit if provided by ICICI Bank, upon completion of 12 months of his/her membership. Alterations upon such review, if any, of the credit limit and/or cash limit will be at the sole discretion of ICICI Bank. ICICI Bank shall at its sole discretion be entitled to review (including enhancement or reduction) the credit limit and/or the cash limit assigned on the Card at any time and only enhancements, if any, to the credit limit and/or the cash limit, shall be effected by ICICI Bank along with the consent of the Card Member.

(b) Billing: Billing Statements – periodicity and mode of sending: All Card Member will be bill edona monthly basis for all charges incurred by the use of the Cardand for all charges applicable to the Card account.However, there may be no statement generated for the period in which there has been nooutstanding due and no transaction on the account in the past month. The billing statement will be dispatched on a monthly basis to customers at the mailing address a sperour records by post and/or bye-mail.

  1. Minimum Amount Payable: Without prejudice to the liability of the Card Member to immediately pay all charges incurred, the Card Member may exercise the option to pay only the Minimum Amount Due (MAD) indicated in the statement by the due date. The Minimum Amount Due shall be 5% of the outstanding amount or such other amount as may be determined by ICICI Bank at its sole discretion. In case of any repayment through instalments, the instalment amount due during the statement period will be added to the Minimum Amount Due. If the total outstanding is more than the credit or cash limit, then the amount by which the credit or cash limit has been exceeded will also be included in the Minimum Amount Due. Any fee charged in the statement over the credit limit will be considered twice in Minimum Amount Due calculation. Fee & GST on customer’s statement post Oct 26, 2023 will also be included in the Minimum Amount Due. Minimum Amount Due shall also include unpaid Minimum Amount Due of the previous statements, if any. Interest will be charged if the Total Amount Due is not paid by the payment due date even if the Minimum Amount Due has been paid.

Effective Oct 26, 2023, fee & GST on customer’s statement post Oct 26, 2023 will also be included in the Minimum Amount Due.

Illustration of Minimum Amount Due Calculation: The following illustration will indicate the method of calculating Minimum Amount Due:

In the table given below, it has been assumed that the Total Amount Due of the previous month statement has been paid by the payment due date and there is no outstanding amount. The statement date is 8th of every month. Given these assumptions, Minimum Amount Due will be calculated as below:

Transaction

Credit Limit

26,000.00

Purchase on Sep 20, 2023

24,000.00

Total Amount Due on statement dated Oct 08, 2023

24,000.00

Minimum Amount Due on statement dated Oct 08, 2023

1,200.00

Payment due date - Oct 26, 2023

Purchase on Oct 15, 2023

2,000.00

EMI Conversion of Purchase on Oct 15, 2023, Rent Pay

(2,000.00)

EMI instalment 1 Principal

200.00

EMI instalment 1 Interest

20.00

Tax on EMI Interest

3.60

Processing Fee

20.00

Tax on processing Fee

3.60

Late Payment Fee on Oct 30, 2023

900.00

Tax on Late Payment Fee

162.00

Purchase on Oct 30, 2023

1,000.00

Overlimit Fee

550.00

Tax on Overlimit Fee

99.00

Closing Balance

26,958.20

On statement dated Nov 08, 2023, following MAD will be calculated:

Overdue of previous statement

1,200.00

EMI Instalment (Principal & Interest)

220.00

Overlimit Amount above Credit Limit

958.20

Late Payment Fee - Post deployment

900.00

GST on Late Payment Fee - Post deployment

162.00

Overlimit Fee Transaction - Post deployment

550.00

GST on Overlimit Fee Transaction - Post deployment

99.00

5% GST on remaining Balance

1,143.45

Total MAD

5,232.65

If customer has registered for Auto Debit facility towards Credit Card repayment and has selected Minimum Amount Due option, then the same will be executed on the due date provided noamount is paid by the customer before due date.

If customer has paid an amount less than Minimum Amount Due before due, date then differential amount would be debited. If customer has paid an amount, which is equal to or more than Minimum Amount Due before due date then no additional amount will be debited from customer’s liability account.

If you spend ₹5,000 and pay back exactly the Minimum Amount Due (subject to a minimum payment of ₹100) every month, it will take you up to 6 years and 6 months to pay back the total amount. We therefore suggest that whenever your cash flows allow, pay back an amount substantially more than your Minimum Amount Due. Transactions converted to EMI / and promotional cashback will not be considered as a payment towards the outstanding of the Card.

In case Card member makes an excess payment compared to the outstanding of the Card,there will be credit balance in the Card account. This will be adjusted against the subsequent transactions on the Card. However,no interest can be claimed on this excess credit amount.

2) Method of payment: Payments towards the Card Account maybe made in any of the following ways:

  • Cash:The Card Member may deposit cash at any of the branches of ICICIBank towards the Card payment. Such payments at branches would attract a fee of ₹100 per paymenttransaction.

  • Cheque/Draft:Makea cheque or draft favouring ICICIBankCreditCardNo. XXXXXXXXXXXXXXXXand drop it into the collection box at any ICICIBank Branch/Sky pak drop boxes / ATM locations where drop boxes are available. If customer has made the paymenttowards the Credit Card dues by cheque, then Credit limit equal to cheque amount will be released only post realisation of the cheque.

  • InternetBanking:If the Card Member holds a Savings Account with ICICI Bank,he or she may pay online through ICICI Bank website.Just log ontowww.icicibank.com.

  • Auto Debit: If the Card Member holds a Savings Account with ICICI Bank, he/she may pay directly through the Savings Account by giving an instruction in writing to debit the payment from such account every month on the payment due date.In case the payment due date falls on a Sunday,the amount would be debited from such account on the next day.

 

Click to Pay/NEFT: Pay your ICICI Bank Credit Card dues from any of your other bank Savings Accounts using Click to Pay/NEFT.

(3) Refund / Failed / Reversed Transactions: Any merchant refund, income reversal, chargeback / fraud credit (permanent) received by cardholder will be considered as payment.

  • If the above-mentioned reversals are received by the cardholder after the payment due date & before 2 days prior to the next statement generation date and customer has already made the payment of Total Amount Due (TAD) by payment Due Date then the amount will be transferred to the Bank’s Savings Account.
  • If Customer has not made any payment or paid partially against Total Amount Due (TAD) by payment Due Date, then these reversals will be adjusted against current balance of Credit Card and any residual amount left out of these reversals post adjustment will be transferred to Bank’s Savings Account.

To select the customer’s Savings Account, below steps will be followed:

  • If Customer has opted for Auto Debit facility, then the Savings Account setup for Auto Debit will be considered for the transfer of funds.
  • If customer has not opted for Auto Debit facility but still has Bank’s Savings Account(s), then the latest Open, Active, Non-Dormant Savings Account will be considered for the transfer of funds.
  • If customer does not have the Bank’s Savings Account, then a communication will be triggered to the customer seeking Savings Bank account details for crediting the amount.
4) Cancellation of Credit Card
  1. For existing Card account: If all Credit Cards have not been used for a period of 12 months, the process to close the Card shall be initiated after intimating the cardholder. If cardholder wishes to continue using the Card, in such case, explicit consent within 30 days would be required; failing which, the Card account shall be closed, subject to payment of all dues by the cardholder.

  2. For new Card: The Card needs to be activated by the customer within 30 days of Card issuance. If the Card has not been activated by the customer, the Bank shall keep the Card active, only with OTP based consent / activation by the customer. All other cards shall be closed in the next seven working days (by 37th day from Card issuance date) without any cost to customer. Bank will not levy fee for the Card and not report the Card information to bureau unless the new Card is activated by customer.

5. Changes in fees & charges: Changes in fees / charges shall be made only with prospective effect giving prior notice of at least one month to the customer. If a cardholder desires to surrender his/her Card on account of any change in fees/ charges to his/her disadvantage, he/she shall be permitted to do so without levying any extra charge for such closure, subject to payment of all dues by the cardholder.

6. Billing Disputes Resolution: In the event the Card Member disagrees with the charges indicated in the statement, it should be communicated in writing to the correspondence address of ICICI Bank within 60 (sixty) days of receipt of the statement, failing which it would be construed that all charges indicated in the statement are in order.

7. Contact Details of ICICI Bank Customer Care Centre:> The Card Member may contact ICICI Bank at the below mentioned Customer Care number as may be notified by ICICI Bank from time-to-time. Toll Free Customer Care Number for Amazon Pay ICICI Bank Credit Card: 1800 102 0123

8. Grievances Redressal/Complaints/Escalations: In the event that you are not satisfied with our services, you may register your grievance by (i) visiting ‘Complaint Form’ at www.icicibank.com or (ii) calling at our Toll Free number or (iii) writing to Ms. Sharlet Malvankar, Nodal Officer, ICICI Bank Limited, Bandra Kurla Complex, Mumbai- 400051, India. In all your communications with us, please indicate your complete Credit Card number.

9. Complete Postal Address of the Bank: ICICI Bank Limited, Bandra Kurla Complex, Mumbai- 400051, India.

10. Toll-free Number for Grievance Redressal: In the event you are not satisfied with our services, you may register your grievance by dialling our toll-free number 1800 102 4242 between HH:MM a.m./p.m. to HH:MM a.m./p.m. from Monday to Friday, press 1 and then enter the Service Request Number (numeric digits only) which should not be more than 2 months old.

(d) Default and Circumstances:

  1. If the Card Member fails to pay the Minimum Amount Due by the date indicated in the billing statement, it shall be treated as default. In case of default, the Bank can forward the default report to the Credit Information Bureaus or to such other agencies as approved by law. The time period between the payment due date and the billing date indicated on the billing statement is considered as the notice period for reporting a Card Member as a defaulter. Terms and Conditions governing Credit Card Facilities shall be applicable to the Supplementary Card Holders as well.

  2. Procedure for withdrawal of default report and the period within which the default report would be withdrawn after settlement of dues:

  3. *The Bank submits the Card Member’s data to CIBIL (Credit Information Bureau (India) Limited) every month in the format prescribed by CIBIL. This data includes the repayment status of all Cardholders, both defaulters and current, for the previous month. CIBIL uploads the submitted data onto their server in another thirty days.

  4. Recovery of dues in case of death/permanent in capacitance of the Card Member: It shall be in accordance with the applicable laws after giving sufficient notice for payment of dues and all information regarding the outstanding dues, to the successors/nominees /legal heirs of the Card Member.

  5. ICICI Bank offers free insurance cover on certain Cards through a tie up with ICICI Lombard General Insurance Company Limited or any other Insurance Company as may be decided by ICICI Bank from time to time. For insurance details, cardholders are advised to go through the brochure in the welcome kit or refer to www.icicibank.com.

  6. The debt collection policy of the Bank is built around dignity and respect to borrowers. The policy is built on courtesy, fair treatment and persuasion. The Bank believes in following fair practices with regard to collection of dues and thereby fostering borrower’s confidence and long-term relationship. Detailed Policy on Collection of Dues and Repossession of Security is available on https://www.icicibank.com/personal-banking/debtservice/debt-service-policy

(e) Termination/Revocation/Surrender of Card membership:

The Card Member may at any time choose to terminate the Card Account with or without giving any prior notice. For avoiding misuse, it is advised to cut the Credit Card into four pieces ensuring that the hologram and magnetic strip are destroyed permanently. The Card Member may terminate the Card membership at any time by writing to ‘ICICI Bank Limited, ICICI Phone Banking Centre, ICICI Bank Tower, 7th floor, Survey no: 115/27, Plot no. 12, Nanakramguda, Serilingampally, Hyderabad – 550032, India’ by indicating the complete Card number. The termination shall only be effective once ICICI Bank receives the payment of all amounts due and outstanding in respect of the said Card Account. In the event of a Credit Card program closure or at the time of renewal of Credit Card, ICICI Bank Limited at its sole discretion reserves the right to provide a Card type that is different from the existing Card type held by the Card member. The credit limits and cash limits on any credit Card at any point in time are as per sole discretion of ICICI Bank Limited.

The Card application shall continue to be valid for any replacement Card provided at the time of closure/renewal.

(f) Loss/Theft/MisuseofCard:

In case of loss/theft/misuse of the Card, it must be reported immediately to ICICI Bank either through the Customer Care or by sending the message: to 5676766 from your registered mobile number only. The Bank shall thereupon suspend the Card. The Card Member is advised to file an FIR with the local police station so that the Card Member can produce its copy whenever requested by the Bank. The Card Member shall be primarily responsible for the security of the Card including theft and for the transactions using the Card. The Card Member shall not be liable for any transaction(s) made on the Card post reporting its loss/theft/damage. However, in case of any dispute relating to the time of reporting such loss/ theft/damage and/or transactions made on the Card post reporting of the loss/theft/damage/ misuse, the Bank reserves the right to ascertain such time and/or the authenticity of the disputed transactions. ICICI Bank reserves the right to block the Credit Card on suspected risk of compromise in order to protect the interest of the Card Member and to avoid misuse in any manner on the Card Account. The Card Member shall not be able to use the blocked Card for any transaction(s) and shall receive a replacement Card within 7 (seven) working days. In the event the Card Member, after being informed by ICICI Bank of the probable fraud risk, still requests to unblock the Card, ICICI Bank shall not stand liable or responsible in any manner for any fraudulent transactions reported to it thereafter on account of fraudulent usage of the Card or otherwise.

(g) Disclosure:

The Bank shall part with all available information about the Card Member, repayment history etc. to Credit Information Bureaus or to such other agencies approved by law. ICICI Bank/Group Companies reserve the right to retain the application forms and documents provided therewith, including photographs and will not return the same.

Disclaimer:

ICICI Bank may at its sole discretion, utilise the services of external service provider(s) or agent(s) and on such terms as required or necessary, in relation to its products.