Credit cards have become essential for daily transactions, offering convenience and rewards. ICICI Bank provides a range of credit cards with customised benefits for different needs. You can use your ICICI Bank credit card for all kinds of day-to-day transactions including online rental payment. However, making timely payments is crucial to enjoying these credit card benefits. Read the article to know about ICICI credit card payment from other banks.
Online payment through NEFT/RTGS
One of the most practical methods to make ICICI credit card payments from another bank is through the National Electronic Funds Transfer (NEFT) or the Real-Time Gross Settlement (RTGS) method. Most banks allow NEFT/RTGS transactions through online banking portals or mobile applications.
How to initiate ICICI credit card payment?
- Log in to your other bank’s online banking portal or mobile application.
- Add ICICI Bank as a beneficiary by providing the essential information such as the bank’s name, branch, ICICI Bank’s IFSC code and account number.
- Once the beneficiary is added, initiate an NEFT/RTGS transaction by entering the ICICI credit card, account number and desired payment amount.
- Confirm the transaction and wait for it to be completed. The funds will be credited to your ICICI credit card account within the stipulated time frame.
Payment through IMPS (Immediate Payment Service)
IMPS is a real-time interbank electronic funds transfer system in India. Many banks offer IMPS as a convenient way to make instant payments, including credit card bill payments.
Follow these steps to pay your ICICI credit card bill using IMPS:
- Open your other bank’s mobile application or online banking portal.
- Select the IMPS option and choose the ‘Merchant Payment’ or ‘Credit Card Payment’ category.
- Provide the necessary details, including the ICICI credit card account number, the beneficiary bank’s name (ICICI Bank) and the IFSC code.
- Enter the amount you want to pay and confirm the transaction.
- The payment will be processed instantly, and your ICICI credit card account will be credited accordingly.
‘Click to Pay’ option
ICICI Bank provides a ‘Click to Pay’ option for credit card bill payments. Visit the ICICI Bank website and navigate to the ‘Click to Pay’ page. Choose your bank from the options available and enter your card information to complete the transaction. After successful payment, you will receive a transaction reference number, and the payment will reflect in three working days on your credit card account.
‘Scan to Pay’ option
ICICI Bank offers a ‘Scan to Pay’ option, where you can pay your credit card bills using the UPI system and QR codes. Visit the provided link and enter your credit card number and the payment amount. Generate a QR code and pay using any UPI-enabled app on your phone.
Paying your credit card bills on time is crucial to avoid late fees and finance charges and maintain a good credit score. ICICI Bank provides multiple modes of payment, including net banking, mobile banking, auto debit, etc. Let’s explore some of these options:
Net banking
Almost all banks in India provide online banking facilities, enabling you to access and manage your accounts remotely. To initiate an online payment, follow these steps:
- Log in to your bank’s internet banking portal using your credentials.
- Add ICICI Bank as a beneficiary using the provided information. Ensure you have the correct payee details, such as ICICI Bank’s IFSC code and credit card account number.
- Once the beneficiary is added, you can make payments by entering the amount due and authorising the transaction. Some banks also provide the option to schedule recurring payments.
Mobile banking
Mobile banking has gained popularity due to its convenience and accessibility. Most banks offer mobile banking applications that allow you to perform various transactions, including credit card payments.
Here’s how you can make ICICI credit card payments through mobile banking:
- Download and install your bank’s mobile banking app from the respective app store.
- Use your login information to access the app, then go to the payments section.
- Add ICICI Bank as a beneficiary by entering the necessary details, including the IFSC code and credit card account number.
- Once added, you can initiate the payment by entering the amount due and confirming the transaction.
BillDesk
Direct payment of ICICI Bank credit card bills is possible through BillDesk. Visit the BillDesk website, enter your credit card details and email ID and select the bank for payment. You will be redirected to the bank’s net banking portal, where you can authorise the payment by means of the OTP that was sent to your registered mobile number. Payments made through BillDesk may take three to five business days to process.
Debit card
ICICI Bank accountholders may pay their ICICI credit card bills online using their debit card at ICICI Bank ATMs. Swipe your debit card, select the ‘Pay credit card bill’ option, enter the amount and proceed with the payment. The amount will be debited from your linked savings/current account, and the credit card bill will be paid.
AutoPay facility
To simplify the credit card payment process, ICICI Bank offers the AutoPay facility. This feature enables you to set up automatic payment instructions, ensuring that your credit card bill is paid on time every month.
Here’s how you can set up AutoPay:
- Log in to your ICICI credit card account through the bank’s website or mobile application.
- Locate the AutoPay section and select the ‘Register’ or ‘Set up AutoPay’ option.
- Provide the necessary details, including your other bank account number, name, and branch.
- Authenticate the registration using the provided OTP (One-Time Password) or any other required security measures.
- Once successfully registered, your credit card bill amount will be automatically debited from your other bank account on the payment due date.
FAQs
How do I pay my ICICI credit card bill using another bank account?
You can use online payment through NEFT/RTGS, IMPS, the 'Click to Pay' option, the 'Scan to Pay' option, net banking, mobile banking, BillDesk, debit card or AutoPay facility.
How can I make ICICI credit card payments through NEFT/RTGS?
Log in to your other bank's online banking portal or mobile application, add ICICI Bank as a beneficiary, provide the necessary details, initiate an NEFT/RTGS transaction by entering the ICICI credit card account number and amount, and confirm the payment.
Can I use IMPS to pay my ICICI credit card bill?
Yes, you can. Open your other bank's mobile application or online banking portal, select the IMPS option, choose the ‘Merchant Payment’ or ‘Credit Card Payment’ category, provide ICICI credit card details, enter the amount, and confirm the transaction.
Can I use net banking to pay my ICICI credit card bill from another bank?
Yes, you can. Log in to your bank's Internet banking portal, add ICICI Bank as a beneficiary, enter the necessary details, and authorise the payment by entering the amount due.
Is mobile banking a suitable option for ICICI credit card bill payments?
Yes, it is. Download and install your bank's mobile banking app, log in, navigate to the payments section, add ICICI Bank as a beneficiary, and initiate the payment.
| Got any questions or point of view on our article? We would love to hear from you. Write to our Editor-in-Chief Jhumur Ghosh at jhumur.ghosh1@housing.com |
