ICICI Credit Card Payment through UPI

Last Updated : May 2, 2025, 4:02 p.m.

ICICI Bank has revolutionized credit card bill payments through its cutting-edge UPI integration. This technological breakthrough places the power of financial management directly in your hands, transforming what was once a time-consuming task into an effortless digital experience. — No more paperwork, no more waiting. For tech enthusiasts and digital payment newcomers alike, mastering this streamlined process opens doors to greater financial efficiency. Our comprehensive guide illuminates the entire ICICI Credit Card Payment through UPI journey, covering everything from your first-time setup and account configuration to executing flawless transactions and resolving potential challenges along the way.

Understanding ICICI Credit Card Payment through UPI

UPI has revolutionized the way we manage financial transactions in India. This instant payment system allows you to link multiple bank accounts into a single mobile application, merging several banking features under one platform. Now, ICICI Bank has extended this convenience to credit card payments, enabling cardholders to settle their bills seamlessly through UPI.

Prerequisites for ICICI Credit Card Payment through UPI

Before initiating an ICICI Credit Card payment through UPI, ensure you have:

1. An active ICICI credit card
2. Any UPI-enabled mobile application Like:
   1. Google Pay
   2. PhonePe
   3. Paytm, or
   4. ICICI Bank's iMobile Pay
3. A mobile number registered with your ICICI Bank account
4. Sufficient funds in your UPI-linked bank account.

Step-by-Step Process for ICICI Credit Card Payments through UPI

Method 1: Using Any UPI-Enabled App

1. Open Your UPI App: Launch your preferred UPI-enabled application (Google Pay, PhonePe, Paytm, etc.)
2. Access the Payment Section: Look for the "Pay" or "Send Money" option within the app.
3. Enter UPI ID: For ICICI Bank Credit Card payments, enter the UPI ID in the format: "ccpay.your-16-digit-credit-card-number@icici". For ICICI Bank American Express Cards, attach prefix '0' before the credit card number.
4. Enter Payment Amount: Input the exact amount you wish to pay toward your credit card bill.
5. Verify Details: Double-check all information, including the UPI ID and payment amount.
6. Authorize Payment: Complete the transaction by entering your UPI PIN.
7. Confirmation: You'll receive a confirmation notification once the payment is successful.

Method 2: Using ICICI Bank's iMobile Pay App

1. Log in to iMobile Pay: Access the app using your registered mobile number and MPIN.
2. Navigate to Bill Payments: Tap on the "Bill Payments" section within the app.
3. Select the Credit Card Option: Pick "Credit Card" from the options shown.
4. Enter Card Details: Provide your ICICI credit card number and the payment amount.
5. Choose the UPI Payment Process: Choose UPI as the preferred option for payment.
6. Confirm and Authenticate: Review the details and complete the transaction with your UPI PIN.

Benefits of ICICI Credit Card Payment through UPI

1. Instant Settlement: Payments are processed immediately, helping avoid late payment fees.
2. 24/7 Availability: Make payments anytime, regardless of banking hours.
3. Convenience: No need to visit branches or ATMs for bill payments.
4. Security: UPI transactions are secured with multiple authentication layers.
5. No Additional Fees: ICICI Bank doesn't charge extra for credit card payments via UPI.
6. Real-Time Tracking: Monitor your transactions instantly through notification alerts.

RuPay Credit Cards and UPI Integration

ICICI Bank has also introduced RuPay Credit Cards with UPI functionality, offering enhanced features:

1. Higher Transaction Limits: Enjoy increased limits for your transactions.
2. Exclusive Rewards: Earn additional rewards and cashbacks on select transactions.
3. Faster Processing: Experience quicker transaction times with combined protocols.
4. Enhanced Security: Benefit from the robust security features of both credit cards and UPI.

Process To link your ICICI RuPay Credit Card to UPI

1. Open your UPI-enabled app
2. Access the "Add Card" or "Link Card" section
3. Select "RuPay Credit Card"
4. Enter your ICICI RuPay Credit Card details
5. Check with the OTP sent to your registered mobile number
6. Set up a UPI PIN for transactions
7. Start using your linked card for payments

Important Considerations for ICICI Credit Card Payment through UPI

1. Transaction Limits: Be aware of daily transaction limits imposed by your UPI app.
2. Payment Timing: Allow sufficient processing time, especially near due dates.
3. Verification: Always verify transaction details before finalizing payments.
4. Record Keeping: Save payment confirmations for future reference.
5. P2M Transactions Only: For RuPay Credit Cards linked to UPI, only Person to Merchant (P2M) transactions are permitted.

Troubleshooting ICICI Credit Card Payment through UPI

If you encounter issues while making UPI payments for your ICICI credit card:

1. Check Internet Connectivity: Ensure stable internet connection during transactions.
2. Verify UPI ID Format: Confirm the correct format for your credit card's UPI ID.
3. Update Apps: Keep your UPI applications updated to the latest versions.
4. Check Account Balance: Ensure sufficient funds in your UPI-linked account.
5. Contact Customer Support: For persistent issues, reach out to ICICI Bank's customer service.

Comparing ICICI Credit Card Payment Methods

While UPI offers significant convenience, ICICI Bank provides multiple payment options for credit card bills:

1. UPI: Instant, convenient, accessible through multiple apps
2. Internet Banking: Direct account to credit card transfers
3. NEFT/IMPS: Bank-to-bank transfers using IFSC codes
4. ATMs: Over-the-counter payments at ICICI Bank ATMs
5. Branch Payments: Manual payments at ICICI Bank branches.

Conclusion

ICICI Credit Card Payments through UPI represents a significant advancement in digital payment convenience. By following the simple steps outlined in this guide, you can manage your credit card payments efficiently, avoiding late fees and maintaining a good credit score . The integration of UPI with credit card payments not only simplifies the payment process but also adds an extra layer of security to your transactions. Start using this hassle-free payment method today and experience the convenience of managing your ICICI credit card bills with just a few taps on your smartphone.