How to Redeem ICICI Credit Card Points – App, Online, Cash

Introduction to How to Redeem ICICI Credit Card Points: Congratulations on accumulating valuable ICICI credit card points! Redeeming these points is an exciting journey towards turning your transactions into tangible rewards. In this comprehensive guide, we’ll explore the various methods available for redeeming ICICI credit card points, with a focus on the iMobile app, online redemption, and the unique option of converting points into cash. Buckle up as we dive into the world of possibilities to make the most out of your credit card rewards.

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Table of Contents For How to Redeem ICICI Credit Card Points

Overview For ICICI Credit Card Reward Points Redemption:

Before delving into the redemption process, it’s essential to understand the two primary systems at play: ICICI Rewards and PAYBACK Points. ICICI Rewards is the bank’s dedicated points program, offering a wide range of redemption options, including merchandise, gift vouchers, travel miles, and cashback. Some ICICI cards are co-branded with PAYBACK, introducing an additional points system with its own redemption platform and exclusive partner brands.

Now, let’s explore the step-by-step process of redeeming ICICI credit card points through various channels, ensuring you can choose the method that suits your preferences.

ICICI Redeem Points Catalogue:

The ICICI redeem points catalog, a platform offering an array of redemption choices, was discontinued from the ICICI website as of January 2024. Instead, users can explore alternative avenues for utilizing their accrued points.

ICICI Redeem Coupon:

While there isn’t a specific “ICICI redeem coupon” feature, certain rewards within the redemption options may involve coupons or codes. These codes are typically provided upon the completion of the redemption process, allowing users to access specific benefits or discounts.

ICICI Redeem Reward Points:

  1. Channels for Redemption:
    • PAYBACK Rewards Catalog
    • Handpicked Rewards
  2. PAYBACK Rewards Catalog:
    • Accessible through the PAYBACK portal or app
    • Diverse catalogue including:
  3. Handpicked Rewards:
    • Curated selection featuring:
      • Gift vouchers from renowned brands
      • Opportunities for charitable donations through GiveIndia
  4. Redemption Process:
    • Seamlessly done through ICICI’s internet banking or mobile app
    • Navigate to the “Reward Points” section under Credit Cards
    • Select the desired redemption option
  5. Benefits:
    • Users can make the most of their accumulated points with these straightforward redemption steps.

How to Redeem ICICI Credit Card Points by iMobile App

Redeeming your ICICI credit card points through the iMobile app is a breeze. Follow these simple steps to unlock your rewards:

  1. Launch iMobile App: Open the iMobile app on your smartphone and log in using your User ID and password.
  2. Access “Accounts Services”: Navigate to the “Accounts Services” section on the app’s dashboard.
  3. View Reward Points: Locate and tap on the “View Reward Points” option.
  4. Select Your Credit Card: Choose the credit card for which you want to redeem points from the list of your linked accounts.
  5. Check Available Rewards: The app will display the available rewards that you can redeem with your accumulated points.
  6. Choose Your Reward: Tap on the reward you wish to redeem to view its details, such as point requirements and delivery information.
  7. Confirm Redemption: If you have enough points, proceed with the redemption process by following the on-screen instructions.
  8. Provide Necessary Details: Enter your credit card PIN or OTP for verification, as required.
  9. Complete Redemption: Once you confirm the redemption, the app will process your request, and you’ll receive a notification of the successful transaction.
  10. Track Your Order (if applicable): If you redeemed a physical item, you can usually track its delivery status within the iMobile app or through the provided tracking link. Enjoy your rewards seamlessly with the iMobile app!

How to Redeem ICICI Credit Card Reward Points Online Netbanking Desktop PC Redemption

Redeeming your ICICI credit card points online is a straightforward process. Follow these steps to make the most of your accumulated points:

  1. Visit ICICI Bank Website: Go to the official ICICI Bank website by navigating to
  2. Log In to Internet Banking: Log in to your Internet Banking account using your credentials, including your User ID and password.
  3. Navigate to “Credit Cards”: On the dashboard or main menu, locate the “Credit Cards” section.
  4. Access “Reward Points”: Within the credit card section, find and click on the “Reward Points” option.
  5. Click on “Redeem Online”: Look for the “Redeem Online” option, which opens the gateway to your points’ potential.
  6. Browse the Rewards Catalogue: Dive into the diverse range of merchandise, gift vouchers, travel miles, and cashback options available for redemption.
  7. Select Your Reward: Explore the rewards catalog and click on your desired item to view details such as point requirements and delivery information.
  8. Confirm Redemption: Ensure you have accumulated enough points and proceed with the redemption process. You may need to enter your credit card details for verification.
  9. Order Received!: Relax and await your chosen reward. You’ll receive a confirmation email, and you can track your order status within the online portal.

Redeeming your ICICI credit card points online allows you to effortlessly choose and enjoy a variety of rewards from the comfort of your device.

Convert to Redeem ICICI Credit Card Points Into Cash

While direct cash redemption isn’t available, there are alternative methods to enjoy cash-like benefits using your ICICI credit card points. Consider the following options:

Redeem for Cashback:

Select “Cashback” as the reward option when redeeming online or through the iMobile app. The cashback will be credited to your credit card statement, reducing your outstanding balance.

Through MobiKwik:

Link your ICICI credit card to the MobiKwik app and redeem points for MobiKwik wallet balance. Use the wallet balance for various transactions, including bill payments, recharges, and online shopping.

Gift Vouchers for Cash-like Benefits:

Choose gift vouchers for popular brands or retailers that you frequently use. Use these vouchers to make purchases you would normally buy with cash.

Offset Travel Expenses:

Redeem points for air miles or travel vouchers to cover flight or hotel bookings, effectively saving cash.

Sell Merchandise for Cash (if applicable):

If you redeem points for merchandise you don’t need, consider selling it for cash through online marketplaces or local channels.

Points to Remember

Pro Tips for Maximizing Your Redemption Experience:

  • Track Expiry Dates: Keep an eye on points’ expiration dates and prioritize redeeming points nearing expiry.
  • Check for Special Offers: Stay updated on bonus points, transfer opportunities, and exciting redemption deals through website notifications, emails, and social media.
  • Consider Value vs. Convenience: While online redemption is quick and easy, explore phone or PAYBACK channels for exclusive merchandise or travel deals. Compare options for the best value.


In conclusion, redeeming your ICICI credit card points is a straightforward process with multiple options to suit your preferences. Whether through the iMobile app, online platform or by converting points into cash-like benefits, this guide equips you with the knowledge to make the most of your credit card rewards. Remember to stay informed about special offers, track expiry dates, and choose redemption options that align with your lifestyle and financial goals. Happy redeeming!

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  1. Download the iMobile App: Ensure you have the iMobile app installed on your smartphone for convenient ICICI credit card points redemption.
  2. Login to Internet Banking: Access your ICICI credit card points through the official website’s internet banking portal using your credentials.
  3. Navigate to “Reward Points”: Find and click on the “Reward Points” section under your Credit Cards tab.
  4. Explore PAYBACK Rewards: If you’ve earned PAYBACK points, explore the diverse options on the PAYBACK portal or app for redemption.
  5. Discover Handpicked Rewards: Explore ICICI’s curated rewards selection, featuring gift vouchers and charitable donation opportunities.
  6. Choose Your Redemption Path: Decide whether to redeem points online, through the iMobile app, or convert them into cash-like benefits.
  7. Check Minimum Point Requirements: Be aware of the minimum points needed for each redemption option to make informed choices.
  8. Track Point Expiry Dates: Keep tabs on your points’ expiry dates to avoid losing out on potential rewards.
  9. Compare Value vs. Convenience: Evaluate the best redemption option based on both value and convenience, whether online or through customer care.
  10. Explore Special Offers: Stay updated on ICICI’s website for bonus points, exclusive transfer opportunities, and exciting redemption deals to maximize your benefits.

FAQs: How to Redeem ICICI Credit Card Points

What is the expiry period for ICICI credit card reward points?

ICICI credit card reward points typically expire after three years from the date of issuance. Be sure to check the expiry dates to maximize your point utilization.

How can I check my ICICI credit card reward points balance?

You can view your reward points balance through ICICI internet banking, the iMobile app, or by sending an SMS to 9212146468 with the message ‘DCPBAL last 4 digits of your ICICI Bank Savings/Current Account Number.’

Can I redeem ICICI credit card points for cash?

While direct cash redemption isn’t available, you can convert points into cash-like benefits by opting for cashback rewards or using gift vouchers for everyday expenses.

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