ICICI Credit Card Payments through Debit Card

Last Updated : May 1, 2025, 4:34 p.m.

The digital revolution has transformed banking, with ICICI Bank leading the way by providing several hassle-free methods to settle credit card bills. Among these options, using a debit card to pay your ICICI credit card dues stands out as particularly effective and user-friendly. This comprehensive guide on ICICI credit card payments through debit card delves into the step-by-step procedure, advantages, and crucial details you should know about this convenient method.

Understanding ICICI’s “Click to Pay” Service

ICICI Bank has introduced an online service called “Click to Pay” that enables credit cardholders to clear their dues using their ICICI Debit Cards. This service doesn’t require any registration or net banking account. All you need is an active internet connection and your credit card details to get started.

Step-by-Step Guide to Pay ICICI Credit Card Bill Using Debit Card

Here are some simple steps to make your credit card bill payments

1. Visit ICICI Bank’s “Click to Pay” page (https://www.icicibank.com/online-services/clicktopay/index_primer.page)
2. Scroll down to reach the option, “Select your card type”
3. From the dropdown menu, select “ICICI Bank Debit Card” and click “Proceed”
4. On the new page, enter your credit card details for which you want to make the payment
5. Enter your credit card number and the outstanding amount/bill amount, then click on “Pay Now”
6. You will be redirected to the card payment gateway, where you need to enter your ICICI debit card details including:
   • Card number
   • Expiry date
   • CVV
   • Other authentication details as requested
7. Click on “Confirm” to complete the transaction
8. Upon completing the transaction successfully, the screen will display a transaction reference number confirming your payment.

Benefits of Making ICICI Credit Card Payments through Debit Card

This payment method offers several advantages:

1. Time-Saving: The online process is quick and convenient, eliminating the need to visit a bank branch or write checks.
2. No Service Charges: Unlike cash payments at bank branches (which attract a service charge of Rs.100 + tax per transaction), payments made using debit cards are completely free.
3. No Registration Required: Unlike ICICI net banking services that require biller registration, the “Click to Pay” service doesn’t need any registration process.
4. Instant Credit: While other payment modes may take 2-3 working days to reflect, debit card payments are credited instantly to your credit card account.
5. Convenience: Payments can be made from anywhere across the globe, eliminating the need to be physically present.
6. Security: The “Click to Pay” facility provides a safe environment for transactions, secured through 128-bit Secure Sockets Layer (SSL) encryption.

Limitations and Alternatives

Limitations:

• Currently, ICICI accepts credit card bill payments only through ICICI Debit Cards. Other bank debit cards cannot be used for this purpose.

Alternative Payment Methods:

1. Through ICICI Bank ATM: When you don’t have access to the internet, you can use ICICI ATMs to pay your credit card bill using your ICICI debit card.
2. By Calling ICICI Customer Service: ICICI also offers a “Call to Pay” feature for making credit card payments.
3. Other Bank Accounts: You can pay from other bank accounts by transferring money to your credit card account either through NEFT or net banking.

Conclusion

The ICICI Credit Card payments through debit card service offers a convenient, instant, and secure method to settle your credit card dues. While this facility is currently limited to ICICI debit cardholders only, it provides significant advantages over traditional payment methods, including instant credit, zero service charges, and the convenience of paying from anywhere.

For those without ICICI debit cards, alternative payment methods like NEFT or net banking from other bank accounts are available to ensure timely bill payments.