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Click to Pay-Credit Card Payments (Using Debit Card)

How do I make a payment through “Click To Pay – Debit Card”?

You can make an online payment through your Debit Card in the following 4 simple steps:

  1. Browse the ICICI Bank website and click on the “Click To Pay – Debit Card” link.
  2. Select your card type, i.e. ICICI Bank Debit Card or non-ICICI Bank Debit Card (VISA) etc.
  3. Type your loan number and validate.
  4. Validate your Debit Card on Payment Gateway and make your overdue payments instantly.

What is “Click To Pay – Debit Card” service?

“Click To Pay – Debit Card” is an extremely simple and secure way of making your overdue ICICI Bank loan payments online through your bank's Debit Card.

What is Click to Pay?

If you wish to make a payment online through your Non-ICICI Bank Savings Account to your ICICI Bank Credit Card or ICICI Bank Loan Payments, you can use the 'Click to Pay' option available on our website.

You can make the payment using Internet Banking or debit card of other bank towards ICICI Bank Credit Card or Loan outstanding.

To know more about Click to Pay and the procedure for making payment, please visit www.icicibank.com > Internet Banking (at the bottom of the page) > Services Offered > More > Click to Pay.

Is “Click To Pay – Debit Card” secure?

Yes, it is secure through 128 bits SSL.

How are payments processed?

Your payments are processed immediately after you have authorised the transaction from your Debit Card. If your payment is successful, you will be informed that your payment has been accepted and a payment transaction number will be displayed with a successful transaction note.
If your payment is unsuccessful, you will be informed that your transaction was unsuccessful.

Do I need to register with ICICI Bank for “Click To Pay – Debit Card” to make payments?


Who can make a payment using “Click To Pay – Debit Card” service?

Only ICICI Bank loan, card customers who have missed their regular EMI/PEMI and their asset is neither surrendered by them nor repossessed by ICICI Bank due to any reason, can make a payment using the “Click To Pay – Debit Card” service.

How will I know that the payment is made successfully?

Post every successful transaction; you will get a success message along with a valid transaction ID. However, sometimes the transaction is successful but a transaction number cannot be displayed due to power cuts, connection failures, etc., In such cases you are advised to check your bank account credit balance to know whether the transaction has happened. You should report about it to ICICI Bank if your loan number is not credited within 3 working days from the date of the actual transaction.

When can I check my ICICI Bank Credit Card statement statement to know my payment status?

There is an option called Payment status, which will help you with this requirement of yours.
Please login to your Internet Banking Account --> My Accounts --> Credit Cards --> View Last Credit Received .
It will give you the following details:-
  • Last Credit Received on
  • Last Credit Amount (INR)
  • Payment due date 
  • Next statement date

Is there any limit on the size of a payment I can make?

Yes, it should be less than or equal to the Amount Payable displayed on the transaction screen.

Is there any charge for using “Click To Pay – Debit Card”?


What if the payment is not credited even after three days?

Please contact our 24-hour Customer Care and register a complaint after providing all the transaction details

What are the benefits of “Click To Pay – Debit Card”?

Your overdue payments are made quickly and conveniently. You no longer have to write cheques, visit a branch and wait in a queue for your turn, to make payments.

Can I make a payment more than the Total Amount Due as shown in the statement?

You can make a payment less than or equal to the Total Amount Due, displayed on the screen. Any credit balance due to excess payment cannot reversed. You can utilize the same by doing transactions using your card.

Will I receive any physical bill for “Click To Pay – Debit Card” payments?

You will get a transaction number on the screen online upon successful completion of your transaction. You may write it down on a paper or take its printout.

How can I access the information that I have made the payments?

Any payments made will be reflected in your loan account statement within 3 working days.

Can I make overdue payments towards someone else’s Credit Card?

Yes, you can make overdue payments against a particular Credit Card on behalf of your family members and friends from your Debit Card.

Do I need to take permission from my bank for making a payment through “Click To Pay – Debit Card”?

No, you need not take permission if you have a valid card type which is accepted by us i.e. (VISA).

Can I make a payment when I am outside India?

You can make payments from anywhere in the world, provided you have an Indian (domestic) Debit Card.

How can I prove that I have made a payment?

You can track your payments from your bank statement if you need to provide proof of payment. Your bank statement will show the charge to your account from the billing vendor, with a transaction number similar to the “Click To Pay – Debit Card” transaction number.
In addition to the above, you will get a valid transaction number post your successful transaction. This can be used to track and resolve your queries and disputes.

What if I made an excess payment in two different transactions for the same card number?

Any credit balance due to excess payment cannot reversed. You can utilize the same by doing transactions using your card.

What if I make an not-error while entering my card number and make a payment to somebody else’s card?

There are certain checks available to avoid payment against wrong cards. These checks are as follows:

  1. The card number needs to be 15/16-digit numeric character in nature.
  2. The card number needs to be entered twice.
  3. Once the card number is entered, the Minimum and the Total Amount Due along with your due date will be displayed and you can validate through it.

Even if you have made a payment to a wrong card number, you need to call our 24-hour Customer Care and register a complaint. You will be guided accordingly.