ICICI Credit Card Customer Care Number: Expert, Practical Guide

For ICICI Bank credit card holders, the primary 24×7 customer care helpline in India is 1860 120 7777. This number connects you to the phone banking IVR and credit card support. Calls to 1860 numbers are typically charged at standard local rates by your telecom provider (they are not toll-free). Keep your card details and registered mobile number handy for faster verification.

If you are outside India, use ICICI Bank’s international helplines: +91 22 3366 7777 or +91 22 6666 7777. These are Mumbai-based numbers available 24×7; ISD charges from your carrier will apply. In emergencies such as a lost or stolen card, you can call either the India or international numbers to immediately hotlist (block) your card through the IVR even before reaching an agent.

When to Call and What to Keep Handy

Use the customer care number for urgent actions like card blocking, unrecognized transactions, PIN reset assistance, changing transaction limits, enabling/disabling international usage, converting purchases to EMI, annual fee clarifications, reward point queries, and chargeback/dispute submissions. For non-urgent requests, the mobile app (iMobile Pay) or internet banking is often faster and provides a written trail, but the helpline is best for real-time guidance and emergencies.

Before calling, prepare: the last 4 digits of your credit card, your date of birth, your registered mobile number (call from this number if possible), and your mailing address or PAN for secondary verification. Never share your full card number, CVV, full OTP, or net banking passwords with anyone; ICICI Bank agents will never ask for these. For disputes, keep the transaction date, amount, merchant name, and any emails/SMS receipts in front of you; it will save verification time.

• Lost/stolen card or suspected fraud: Call immediately to hotlist; under RBI guidelines, if you report within 3 days of the unauthorized transaction, you generally have zero liability (subject to investigation). Prompt reporting reduces risk.
• Disputes/chargebacks: Most card network rules allow raising a dispute within 30–120 days from the transaction date; ICICI typically expects notification as early as possible (preferably within 30 days of statement date) for timely processing.
• EMI conversion: Purchases above a threshold (often Rs 2,500 or more, varies by offer) can be converted; ask for prevailing interest rate (annualized APR), processing fee, and foreclosure policy before consenting.
• Limit increase and KYC: Have recent income documents if asked; many limit reviews are automated, but agent-led requests may require income proof.

Step-by-Step: Reaching the Right Team Quickly

From India, dial 1860 120 7777. After the welcome message, select the Credit Card option on the IVR. If you call from your registered mobile number, the system may auto-detect your profile and read out masked card details. For instant blocking, choose the “Lost/Block Card” path (usually available directly on the IVR) without waiting for an agent. For disputes, listen for “Report Transaction Issue” or “Dispute a Charge” options.

When connected to an agent, you will be asked for verification—commonly date of birth and the last 4 digits of the card. State your issue concisely (e.g., “Block my card and raise a dispute for the Rs 4,250 transaction at XYZ.com on 12 Aug 2025”). Ask for the Service Request (SR) number before disconnecting and note it down. For time-bound matters (like travel date for international enablement), request on-call confirmation and SMS/email acknowledgment.

Alternatives if the Lines Are Busy (App, Web, Branch)

iMobile Pay app: Log in, go to Cards > Credit Card. You can hotlist the card, change limits, enable/disable international usage, generate/re-generate PIN, convert eligible transactions to EMI, and raise service requests. App actions are immediate for most settings and produce in-app confirmations. The app also shows statement dates, dues, and recent transactions to help identify issues before you call.

Internet Banking: Visit www.icicibank.com and sign in. Navigate to Credit Cards for similar controls and to download statements. The “Help/Support” or “Contact Us” section allows you to raise written service requests. Written requests are useful for disputes because they create a dated record. If you prefer in-person support, you can visit a branch; for complex disputes, carry ID, card photocopy (masked), and transaction evidence.

Disputes, Chargebacks, and Fraud Reporting

If you spot an unrecognized transaction, block the card first to prevent further misuse, then file a dispute. ICICI Bank generally provides a provisional acknowledgment immediately and may issue a temporary credit after initial review for certain fraud cases; final resolution follows the card network’s timelines. Keep an eye on your email/SMS for any dispute form or additional document requests.

Typical investigation timelines range from 45 to 90 days for domestic transactions and can extend up to 120 days for complex international disputes, depending on the network (Visa/Mastercard/American Express) and merchant response. Under RBI’s customer liability framework, prompt reporting is critical: report within 3 days of detecting fraud for zero liability in most cases; reporting between 4–7 days may carry a limited liability; delays beyond that can increase liability. Always ask the agent to read back your SR number and expected turnaround time.

Escalation Matrix and Regulatory Remedies

If your issue is not resolved by frontline customer care, escalate via ICICI Bank’s grievance channels. Start with Level 1 (contact center or written request), then Level 2/3 via the online grievance form at www.icicibank.com/complaints. Provide your SR number, dates of interaction, and supporting documents. Banks are expected to respond within defined internal timelines; request these timelines during each escalation.

If not resolved within 30 days from the date of your first complaint or if you receive an unsatisfactory resolution, you may approach the RBI’s Integrated Ombudsman via the CMS portal: https://cms.rbi.org.in. Keep copies of all communications. For formal correspondence, ICICI Bank’s Registered Office is: ICICI Bank Limited, ICICI Bank Tower, Near Chakli Circle, Old Padra Road, Vadodara 390007, Gujarat, India. Corporate Office: ICICI Bank Towers, Bandra-Kurla Complex, Mumbai 400051, Maharashtra, India. The “Contact Us” page (www.icicibank.com/contact-us) lists current addresses and escalation contacts; verify details there before sending documents.

Practical Tips, Service Hours, and Verification

Phone support for credit cards operates 24×7 for critical services like card blocking and IVR-based functions; agent availability during late-night hours can vary. If you experience long wait times, try calling during non-peak hours (early mornings on weekdays often move faster) or use the app/web for self-service and then follow up with an agent reference in hand.

Always verify numbers on the official website or on the back of your physical card. ICICI Bank periodically updates contact points to improve routing. Trusted sources: www.icicibank.com/contact-us and www.icicibank.com/help/credit-card. Avoid numbers found on third-party forums or ads. When in doubt, dial the India helpline 1860 120 7777 or the international lines +91 22 3366 7777 / +91 22 6666 7777, and confirm the service menu from the IVR prompt itself.

• Primary ICICI Credit Card Customer Care (India): 1860 120 7777 (24×7; local call charges apply)
• International Helplines: +91 22 3366 7777, +91 22 6666 7777 (24×7; ISD charges apply)
• Official links: Contact Us — www.icicibank.com/contact-us; Credit Card Help — www.icicibank.com/help/credit-card; Complaints/Escalations — www.icicibank.com/complaints; RBI CMS — https://cms.rbi.org.in

Note: Product features, fees, and contact numbers can change. Confirm current details on the official ICICI Bank website or your card’s reverse side before acting. Keep your SR numbers and time stamps for every interaction; they are essential for escalations and regulatory complaints if needed.