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How do I use my credit card?

To use your credit card at merchant outlet, please follow the following instructions:

  1. The merchant will dip your card at a PIN enabled POS terminal
  2. The merchant will enter the amount to be paid by you
  3. The POS terminal will prompt for the PIN
  4. Enter your 4 digit Credit Card PIN on the POS terminal. Pull out the card once the transaction is complete

To use your credit card for online transaction, please follow the following instructions:

  1. Make sure you are using a secure site while making payments through the Internet. Look for a lock icon in the status bar of your web browser. This icon indicates that a site is employing an encryption technology during the transmission of your sensitive data.
  2. Never respond to phishing e-mails that falsely claim to be from a bank and ask you to disclose your personal and bank related confidential details. ICICI Bank will never ask you to send your personal banking details.
  3. Get yourself enrolled for 3D Secure (Verified by Visa (VbV)/ MasterCard SecureCode (MCSC)). This is now mandatory for carrying out online transactions.
  4. Avoid accessing your Internet banking account on unsecured public computers (e.g. internet cafes).
  5. Once you have completed your online banking transactions, remember to log-off by clicking on the "log-off" option. Close your browser and lock your computer if it is left idle.
To check out the Usage Guidelines for credit cards, please click the below mentioned link: