ICICI Credit Card Payments through ATM

Last Updated : May 1, 2025, 5:54 p.m.

Efficient management of your ICICI credit card payments is essential for maintaining both financial discipline and a positive CIBIL score . Despite the rise in digital payment solutions, ATM-based payment methods remain a preferred choice for many cardholders due to their accessibility and simplicity. In this comprehensive guide, we'll walk you through the process of making ICICI credit card payments through ATM machines - A dependable alternative for situations when online payment platforms are inaccessible or you simply prefer in-person transactions.

Why Consider ATM Payment for Your ICICI Credit Card?

ATM-based payment for ICICI credit cards provides several advantages:

• 24/7 Availability: Access payment services any time, even during banking holidays
• Immediate Processing: Payments reflect faster compared to some other methods
• Convenience: Ideal for cardholders who prefer cash transactions or have limited internet access
• CIBIL Score Protection: Timely payments enable you to maintain a good credit score

Requirements for Making ICICI Credit Card Payments through ATM

Before proceeding with ATM payments, ensure you have:

1. Your ICICI credit card
2. Your ICICI Bank debit card and its PIN
3. The amount you desire to pay (Minimum payment due or full outstanding)
4. Knowledge of your credit card’s 16-digit number

Step-by-Step Process: ICICI Credit Card Payments through ATM

Step 1: Locate an ICICI Bank ATM

For this payment method, you must use an ICICI Bank ATM. The bank has a wide network of ATMS, and this ensures that you can locate ATMs in most places across India.

Step 2: Insert Your ICICI Bank Debit Card

Insert your ICICI Bank debit card into the port provided in the ATM. Then when prompted, enter your PIN. Keep in mind that only ICICI Bank debit cards can be used for this transaction.

Step 3: Select “Card to Card Transfer” Option

From the main menu:

• Select “Other Services” or “More Options”
• Pick the option “Card to Card Transfer” or “Credit Card Payment”

Step 4: Enter Credit Card Details

When prompted:

• Enter your 16-digit ICICI credit card number
• Verify the details displayed on screen

Step 5: Specify the Payment Amount

You can choose to pay:

• The minimum amount due to eliminate late payment charges
• The full outstanding amount to avoid interest charges
• A custom amount based on your financial situation

Step 6: Confirm the Transaction

Review all details carefully before confirming:

• Credit card number
• Payment amount
• Account from which the payment will be deducted

Step 7: Collect Receipt

Always collect and retain the transaction receipt for future reference. This serves as proof of payment until the amount reflects in your credit card statement.

Important Points to Remember About ICICI Credit Card ATM Payments

1. Processing Time: Payments typically reflect within 24 hours
2. Service Availability: This facility is available only at ICICI Bank ATMs
3. Transaction Limits: Check your daily transaction limits before making large payments
4. CIBIL Impact: Regular, timely payments positively affect your CIBIL score
5. Failed Transactions: If a transaction fails, the amount will be reversed to your account within 7 working days.

Alternative Payment Methods for ICICI Credit Cards

While ATM payment is convenient, ICICI offers multiple payment channels:

• Internet Banking: Transfer funds through ICICI’s secure online portal
• Mobile Banking App: Make payments through the iMobile Pay app
• UPI Payments: Use UPI apps to make credit card payments quickly.
• Auto-Debit Facility: Set up standing instructions for automatic payments
• Branch Payment: Go to any ICICI Bank branch for over-the-counter payment.

How ICICI Credit Card Payment Affect Your CIBIL Score?

Your payment behavior significantly impacts your CIBIL score, which influences future credit approvals:

• Timely Payments: Regular payments before the due date enhance your score
• Minimum Payments: Making only minimum payments may affect your credit utilization ratio
• Payment Defaults: Late payments can severely impact your score for up to 7 years
• Payment History: Ensure to have consistent payment records as a history of timely payments constitute 35% of your CIBIL score computation.

Conclusion

ICICI credit card payments through ATM offers a reliable and accessible payment method that helps maintain your payment schedule and protect your CIBIL score. By following the steps outlined above, you can ensure hassle-free credit card payments even without internet access. Remember that timely payments, regardless of the method chosen, are essential for maintaining good credit health and ensuring continued access to credit facilities.

Whether you use ICICI credit cards constantly or a new cardholder, it is ideal to understand all available payment options. This enables you to choose the easiest method based on your situation and preferences.