ICICI Credit Card Statement

ICICI Bank Credit Card Statement is a monthly consolidated report that is generated to give you an overview of all your expenses in a billing cycle. The statement consists of your transaction history, payment due date, minimum amount due, closing balance and much more. It tracks the usage of your credit card and hence helps in keeping a check for any fraudulent transactions or possible billing errors. It is basically an overall summary of how you have used your credit during a particular billing period.

Every credit card statement is filled with terms, numbers and percentages. It is important to read your credit card statement carefully to save yourself from any debt. Here are some of the common terms that are included in a statement:

Statement Period: The statement period or billing cycle is the cycle for which the bill is generated and the payment of the card has to be done.

Payment Due Date: It is the date by which you have to make the payment to avoid any interest or late payment charges.

Total Amount Due: It is the total amount due for the payment as on the statement date. This amount includes the opening balance, new purchases, fees and other finance charges.

Minimum Amount Due: It is the minimum amount that you are required to pay on or before the payment due date to avoid late payment charges.

Closing Balance: It is the total amount that you need to pay on your credit card at the end of the statement period. This is the amount you need to refer if you want to pay off your entire debt.

Current Outstanding Balance: It is the total amount of the money that you are liable to pay to the bank at a certain point of time.

Transaction Summary: A transaction summary provides the history of all the transactions made during a billing cycle. It includes your payments, credits, balance transfers, cash advances and other details.

How the Minimum Amount Due is Calculated?

The minimum amount due is the minimum amount that you need to pay on or before the payment due date. It is calculated as 5% of your total outstanding amount and includes all the charges that are levied on your credit card.

For example: You have made a purchase of Rs. 10,000 on August 15 and the due date is September 26, then your minimum amount due will be Rs. 500 (5% of Rs. 10,000).

You can easily get your ICICI Bank Credit Card Statement online through net banking or mobile banking. Here are the steps that you need to follow to download your credit card statement:

Steps to get ICICI Bank Credit Card Statement via Net Banking

Step 1: Log in to the ICICI Bank internet banking account using your user ID or registered mobile number.

Step 1: Go to the ‘My Account’ section and click on the ‘Credit Cards’.

Step 2: Now click on the ‘Service Requests’ option and proceed further.

Step 3: Click on the ‘Credit Card Statement Request’ option and choose the preferred date.

Step 4: Your credit card statement will be displayed on the screen; you can download it in PDF format.

Steps to get ICICI Bank Credit Card Statement via Mobile Banking

Step 1: Download the iMobile app through the play store or app store.

Step 2: Log in using your PIN or fingerprint.

Step 3: Click on the ‘Cards & Forex’ option on the home page.

Step 4: Click on ‘Credit Card Number’ then select ‘More Options’.

Step 5: Select the ‘Last Statement/ Past Statement’.

Step 6: Choose the statement date and download your credit card statement.

How to Switch to ICICI Credit Card E-statement

You can also opt for an e-statement facility to easily access your credit card statement online. With an e-statement, you can get instant access to your credit card transactions and that too is free of charge. Here is how you can opt for this facility:

You can call on the customer care of the bank and inform the representative that you want to switch to an e-statement. The representative will check a few details and proceed with your application. Besides this, you can also email the bank at customer.care@icicibank.com for further assistance.

Apart from the online, the bank also provided the facility to view your credit card statement through offline mode. You can do the same by visiting the nearest branch or by calling on the phone banking number. Here are the details regarding how to check ICICI Credit Card Statement offline:

By Visiting the Branch: You can visit any of the nearest ICICI Bank branches and ask the representative for the statement. The representative will then give you the statement for the specific period chosen by you.

Through Phone Banking: You can call on the ICICI Bank Credit Card customer care number and send a request for the statement. The representative will ask a few questions and after authenticating all the details, proceed with your request.

Through Post: You can also place a request to receive a hard copy of your credit card statement via post. The bank will send the physical copy of your statement at the registered address.

If you notice an error in your credit card statement, you must inform the bank before paying your credit card bill. Here is how you can deal with an error in your statement:

• You can call the customer care of the bank and inform them about your query. However, keep all the proofs with you to justify the error.
• You can fill out the cardmember dispute form to report any error by clicking on dispute > transaction dispute form and submitting it to the bank
• You can write to the bank regarding your error through email or via post along with the proofs like receipts or transaction history. This can be done within 60 days of receiving the statement.

Q. What is the password for my ICICI Credit Card Statement?

A. The bank sends credit card statements in a pdf file, which is password protected. The password to open the pdf file is the combination of the first four letters of your name and your date of birth. You can access the pdf file only by using the correct password.

Q. Who all can register for ICICI Credit Card E-statement?

A. All credit cardholders can avail the service of e-statement irrespective of whether they have an account with the bank or not. However, to avail this service, you need to inform the bank that you would like to opt for an e-statement. To do so, you can call customer care or drop an email to the bank stating your issue.

Q. Can I download my ICICI Credit Card Statement without logging in to the net banking portal?

A. No, you must log in to the net banking portal or mobile banking app to download your credit card statement. Currently, the bank does not provide the facility to check your credit card statement without logging in.

Q. Will I still receive physical copies of the ICICI Credit Card Statement even though I have requested for e-statements?

A. No, as soon as you request for e-statements for your credit card, the hard copy issuance will be discontinued by the bank. You will receive your e-statement every month on the registered email address.