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Are there any interest charges on my credit card ?

If you make a payment for the Total Amount Due before the Payment Due Date, no interest charges are applicable. Thus you can enjoy interest-free credit from the date of purchase to the date on which the payment is due. Interest-free period could range from 18 to 48 days.

Interest will be charged if you do not pay back the Total Amount Due of the previous month statement by the payment due date. Interest will be charged on the Total Amount Due and on all new transactions till such time as the previous outstanding amounts are paid in full. Also, interest will be levied on all cash advances from the date of the transaction until the date of settlement.

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.

Installment amount due on the Card will be added to the Minimum Amount Due.

If there is some unpaid Minimum Amount Due of the previous statements, these will be added to the Minimum Amount Due of the current statement.

If the total outstanding is more than the credit/cash limit, then the amount by which the credit/cash limit has been exceeded will also be included in the Minimum Amount Due.

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