ICICI Credit Card Reward Points

ICICI Bank offers a host of credit cards to customers that carry a number of benefits including reward programmes. ICICI Bank offers three different rewards programmes. Depending on the card you hold, you could be eligible to be a member in these reward programmes and stand to earn points and redeem them against a variety of redemption options.

Updated On - 06 Sep 2025

Each programme comes with its own benefits that make shopping and spending on your ICICI Bank credit card rewarding. Learn all about each programme, its benefits, rewards and the process of it.

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Types of ICICI Credit Card Reward Programme

The following are the types of reward programmes offered by the ICICI Credit card to the card holders:

  1. ICICI Bank Rewards Scheme: From grocery and online shopping to jewellery, dining, travel and hotel bookings, these reward schemes enable you to earn and redeem reward points on everyday purchases.
  2. Hand-picked Rewards Scheme: This scheme spans across categories such as apparel, books, dining, accessories, etc., and is applicable from effective date for selected credit cards only.
  3. PAYBACK Scheme: This scheme will be applicable on and after the effective date for selected credit cards only.
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Advantages of Rewards Programmes

The following are the benefits of the various reward programmes offered by the ICICI Bank Credit Cards:

  1. Reward points can be earned every time the user spends through their credit card.
  2. Unlimited reward points can be earned depending upon the user transaction
  3. Reward points do not expire
  4. Reward points can be redeemed from a wide range of vouchers and gifts items

How to Earn Handpicked Reward Points

The following are the ways to accelerate your ICICI reward points:

  1. Earn points from everyday online or offline shopping
  2. Earn points faster through jewellery shopping, ticket bookings, travel, or hotel bookings
  3. International travel will also help you earn more points faster
  4. Use ICICI Credit cards to pay recurring bills for utility payment
  5. Gift up to two Supplementary cards to your family member above 18 years to earn rewards
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How to Redeem ICICI Bank Credit Card Reward Points

Reward points earned through various channels can be redeemed in the following ways:

  • Via Netbanking: The following are the ways to redeem your ICICI Credit Card Reward point through Net Banking:
    • Step 1: Login to your online banking account with your user ID and password.
    • Step 2: Visit the Credit Cards page and click on "Reward Points".
    • Step 3: Click on Redeem Online.
    • Step 4: Select any of the items available for redemption.
    • Step 5: You will be given a unique order ID which you need to note down.
    • Step 6: Your order will be placed and should reach your registered address in about 10 working days.
    • Step 7: Orders once placed are non-refundable, non-exchangeable for another reward or cash.
  • Through Customer Care: Mentioned below are the steps to redeem your ICICI Credit Card Reward points through Customer Care:
    • Call the ICICI Bank credit card customer care in your city that is available 24/7.
    • Speak to a representative and give them the item code for the reward you have selected.
    • You will be given a unique order ID which you need to note down.
    • Your order will be placed and should reach your registered address in about 10 working days.
    • Orders once placed are non-refundable, non-exchangeable for another reward or cash.

How to Redeem ICICI Bank Payback Points

You can redeem your ICICI Bank Payback Points via:

  1. PAYBACK website
  2. PAYBACK partners

via the PAYBACK Website

The following are the steps to redeem ICICI Bank Payback points through PAYBACK website:

  1. Step 1: Visit the website, zillionrewards.in
  2. Step 2: Choose your product from around more than 1,000 items on the PAYBACK Rewards Catalogue.
  3. Step 3: Select the rewards from categories like mobiles, electronics, kitchen appliances, and travel.
  4. Step 4: Log into the portal and first place your order for rewards.
  5. Step 5: The voucher will be delivered to your email id and also your mobile number. If you have ordered a product, it will be delivered to your billing address in 2 weeks' time.

Note: If you have ordered a product, it will be delivered to your billing address in 2 weeks' time.

via PAYBACK Partners

  1. Step 1: First, visit any of the in-store or online partners of ICICI Bank.
  2. Step 2: You can choose your items from more than 100 partners.
  3. Step 3: Now, use the PAYBACK card and quote Linked Mobile Number during checkout.

How to Convert ICICI Bank Reward Points into Airmiles/Loyalty Points

Here are the steps to convert your reward points on ICICI Credit card into Airmiles or Loyalty points:

  1. You can redeem your PAYBACK Points for JPMiles
  2. For redeeming, you need to visit the website, PAYBACK.in
  3. You can also call PAYBACK Contact Centre, 1860-258-5000

ICICI Bank Credit Card Rewards Catalogue

You can redeem your reward points earned on ICICI credit cards from the ICICI website in these categories:

  1. Electronics
  2. Travel accessories
  3. Lifestyle
  4. Storage devices
  5. E-voucher and gift vouchers
  6. Home and kitchen appliances

Handpicked Reward Points on Specific Products

Here is the list of products which are applicable for Hand-picked reward points:

Product

Product Details

Purchase or donation value worth (Rs.)

Code

Points

InterMiles

200 InterMiles (For members only)

NA

JP0003

300

Amazon

Amazon Gift Voucher

1,000

SR5021

1500

Arrow

Gift Voucher worth

500

HR1001

620

Zodiac

Gift Voucher worth

500

HR1002

650

GiveIndia

Feed the Annamrita midday meal through Annamrita-ISKCON Food Relief Foundation to 5 school children per year

1,100

SR5011

1600

GiveIndia

Correct the vision of 2 poor patients through Sankara Nethralaya by donating spectacles

550

SR5012

800

GiveIndia

Provide medical support to underprivileged mothers and newborn babies through Foundation of Mother and Child

550

SR5023

800

GiveIndia

Support poor farmers in agriculature and their kid's education through Manuvikasa

1,100

SR5024

1600

GiveIndia

Support elderly and destitute women through Maitri India

550

SR5025

800

GiveIndia

Support the education of a poor tribal child for a year through Kalinga Institute of Social Sciences

1,100

SR5026

1600

Graphite

Graphite Premium Men's Leather Wallet

NA

AC5003

1120

Fabindia

Gift Voucher

1,000

SR3593

1250

Flipkart

Flipkart Gift Voucher

1,000

SR5009

1450

Lifestyle

Gift Voucher

1,000

SR3587

1250

Mainland China

Dining Voucher

1,000

SR3507

1250

Nike

Gift Voucher

1,000

SR3504

1250

Tanishq

Voucher

5,000

HR1228

7000

Shoppers Stop

Gift Voucher

1,000

SR3510

1250

Westside

Gift Voucher

1,000

SR3580

1250

Croma

Gift Voucher

1,000

HR1056

1300

Pizza Hut

Gift Voucher

1,000

HR1015

1300

Hidesign

Gift Voucher

1,000

AC6027

1500

GUESS

GUESS for Women EDP Spray-75ml

NA

HR1059

4000

Genesis La Mode

Voucher

10,000

HR1220

15500

Big Basket

Big Basket Gift Voucher

1,000

SR5031

1400

Central

Central Gift Voucher

1,001

SR5032

1400

Big Bazaar

Big Bazaar Gift Voucher

1,000

SR5034

1400

Titan

Titan Gift Voucher

1,000

SR5036

1400

ICICI Bank Credit Cards Eligible for Reward Programme

The eligible ICICI credit card for reward programmes are as follows:

Cards

Hand-picked points on the ICICI Bank Credit Card

Utilities and insurance categories (Every Rs.100 spent)

New ICICI Bank Milestone Rewards program (Maximum)

Domestic spending (except fuel)

International spending

ICICI Sapphiro Credit Card

2 (per Rs.100 spent)

4 (per Rs.100 spent)

1

20,000

ICICI Bank Rubyx Visa Credit Card

2 (per Rs.100 spent)

4 (per Rs.100 spent)

1

15,000

ICICI Bank Visa Signature Credit Card

Fuel surcharge waiver across all petrol pumps along with Top-ups

NA

ICICI Bank Platinum Identity Credit Card

2 (per Rs.200 spent)

4 (per Rs.200 spent)

Fuel surcharge waiver across all petrol pumps with Top-ups

NA

Other cards eligible for ICICI Credit Card Reward Programme are as follows:

  1. ICICI Bank Limited Edition Credit Card
  2. ICICI Bank Business Ascent American Express® Credit Card
  3. ICICI Bank American Express® Gold Credit Card
  4. ICICI Bank Corporate Platinum Credit Card

Redemption Handling Fee

Mentioned below are the reward points redemption handling fees for the corresponding reward programmes:

Scheme

Category

Handling Fee + Service tax

ICICI Bank Reward Scheme

NA

Rs.99

ICICI Bank Hand-picked Reward Scheme

NA

Rs.99

PAYBACK Reward Scheme

Catalogue based redemptions

Rs.99

Online and in-store redemptions at PAYBACK Partner Brands

Rs.25

FAQs on ICICI Bank Credit Card Reward Points

  • Can we convert ICICI Bank credit card reward points to cash?

    Yes, if you want to redeem your PAYBACK reward points into cash, you should call 080-40146444. You can also call the ICICI Bank customer care number.

  • How can I view my reward points balance?

    You can check your reward points balance by registering for ICICI Bank Internet banking. You can then login to your account and access the Credit Cards tab. You can check your points balance under Rewards. You can also contact the customer care via phone to get this information.

  • Do my ICICI Bank Reward Points expire?

    As long as you hold your credit card and all accounts with ICICI Bank are paid, in good standing and not overdue, your reward points are valid. There is no expiry date on the reward points you earn.

  • How long will it take for the points earned to be credited to my account?

    From the time you make the transaction, it can take between 24 hours and 48 hours for the reward points to reflect in your account. The rewards earned will reflect in your monthly credit card statement.

  • How long will my rewards item take to be delivered?

    After you have placed your redemption request, your reward can take approximately 10 working days to reach your registered address.

  • Do I need to collect a minimum number of points to be able to redeem them?

    There is no minimum points required for redemption. You are eligible to redeem your rewards from the start of your card membership, however, you will have to collect enough points to be able to get a reward.

  • Can I return or exchange the reward received?

    Your reward item is not exchangeable. You will not be able to return the product or get it replaced. The item is also not refundable for cash or credit.

  • Is there a maximum limit on the number of points I can redeem?

    There is no maximum or minimum limit on your reward points. You can redeem any number of points in a single order or multiple orders.

  • What is the 10X reward point offered by ICICI Bank?

    10X reward points offered by ICIC Bank is ten times the reward points that the you would have otherwise earned on your transactions.

  • Is there any option to convert my Payback points to JPMiles?

    Yes, you can convert your Payback points to JPMiles. You have to call the Contact Centre and request for a redemption order. You can also visit the website, rewards.payback.in and convert the reward points that you have earned.

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