Icici Bank: Does Click2pay Facility Still Exist?

ICICI Bank offers a variety of online services to its customers, including the 'Click to Pay' facility. This service allows customers to pay their ICICI Bank Loan Equated Monthly Instalment (EMI) and credit card bills through internet banking, UPI, or debit card. However, there are some reports suggesting that ICICI Bank discontinued the 'Click to Pay' service starting February 1, 2025. Nevertheless, the bank continues to provide multiple payment options for credit card bill payments and loan payments, ensuring convenience and flexibility for its customers.

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ICICI Bank's Click2Pay service was discontinued on February 1, 2025

The discontinuation of the Click2Pay service means that customers will no longer be able to use third-party apps such as CRED, Paytm, or other similar platforms to pay their ICICI credit card bills. Instead, customers are directed to use alternative payment methods such as NEFT, UPI (via a VPA), and Scan to Pay. These payment options are available through the ICICI Bank website and mobile app, as well as through other UPI/BHIM apps for non-ICICI Bank account holders.

It is important to note that ICICI Bank recommends using only authorised payment modes to ensure secure and timely payments. The bank also advises against using third-party platforms to make credit card payments, as these may not be secure or correctly credited.

With the discontinuation of Click2Pay, customers can still make payments from anywhere in the world, as long as they have an internet connection and can access the ICICI Bank website. The bank offers a simple, fast, and secure way to pay overdue ICICI Bank loans online from other bank accounts.

While the Click2Pay service is no longer available, ICICI Bank continues to provide multiple payment options for its customers, ensuring convenience and flexibility in managing their credit card and loan payments.

Click2Pay was used to pay ICICI credit card bills and loan payments

ICICI Bank customers could previously use the ''Click to Pay' service to pay their ICICI credit card bills and loan payments. This service was available for ICICI Bank Loan Equated Monthly Instalments (EMI) and credit card bill payments through internet banking, UPI or debit card. It was also possible to use the 'Click to Pay – Debit Card' option to make overdue loan payments online through a bank's debit card.

To use the 'Click to Pay – Debit Card' service, customers had to select their card type, enter their loan number, validate their debit card on the payment gateway, and make their overdue payments. Payments made through this service would be reflected in the customer's loan account statement within three working days.

However, as of 31 January 2025, ICICI Bank has discontinued the 'Click to Pay' option for credit card bill payments. This means that customers can no longer use third-party platforms like CRED, Paytm, or similar apps to pay their ICICI credit card bills. Instead, customers are directed to use other payment methods such as NEFT, UPI (via a VPA), or Scan to Pay.

It is important to note that ICICI Bank offers multiple alternative payment methods for credit card bill payments and loan payments. These include UPI, iMobile, Net Banking, Auto Debit, ICICI Bank ATMs, cash deposits at branches, and more. Customers can choose the most convenient and suitable option for their needs.

ICICI Bank customers can still pay credit card bills online

ICICI Bank offers its customers multiple ways to pay their credit card bills online.

Firstly, customers can pay their credit card bills via the ''Click to Pay' service, which is available through internet banking, UPI, or debit card. However, according to some sources, this service will no longer be available from February 1, 2025, and will not support third-party payment apps.

Secondly, ICICI Bank customers can pay their credit card bills directly and securely by swiping their ICICI Bank Debit Card at any ICICI Bank ATM and choosing the 'More Options' tab on the ATM screen.

Thirdly, ICICI Bank offers the option to pay credit card bills via its iMobile app, Internet Banking, UPI, NEFT, Scan to Pay, Auto Debit, and cash deposit at branches. Customers can also use wallet-based payment services such as Paytm, Google Pay, and PhonePe, although these are third-party platforms, which ICICI Bank advises against using to ensure payments are secure and correctly credited.

Additionally, ICICI Bank customers can enable auto-debit from their ICICI Bank Savings Account to avoid missing due dates. To activate this facility, a written request must be submitted on the card's due date. It is also possible to pay credit card bills instantly from a smartphone.

ICICI Bank offers multiple payment options, including UPI, iMobile, and Net Banking

ICICI Bank offers a wide range of payment options to cater to its customers' diverse needs. Among these options are UPI, iMobile, and Net Banking, each providing convenience and security for various types of transactions.

UPI, or Unified Payment Interface, is a real-time payment system developed by the National Payments Corporation of India (NPCI). It allows users to link multiple bank accounts and seamlessly transact using a UPI ID, mobile number, QR code, or account details. ICICI Bank customers can utilise the UPI platform through the iMobile app, enjoying secure transactions backed by the bank's security standards and requiring UPI PIN authentication for each payment. The iMobile app also facilitates QR code scanning for payments and provides a seamless way to manage and revoke UPI mandates. NRIs with international phone numbers from approved countries can also enable UPI payments via iMobile, making it a versatile tool for customers both within and outside India.

The iMobile app offered by ICICI Bank serves as a comprehensive platform for managing finances. Through iMobile, customers can access their accounts, make payments, and transfer funds conveniently and securely. The app integrates with the UPI platform, allowing users to generate a UPI/VPA ID and initiate transactions using their registered Indian or overseas mobile number from select countries. iMobile also enables users to load money into their UPI LITE wallet using their linked savings account and provides an AUTO TOP UP feature for added convenience.

Net Banking, also known as Internet Banking, offers ICICI Bank customers a fast and secure way to manage their finances online. With Net Banking, customers can access their accounts, pay credit card bills, and make loan payments from the comfort of their homes. This option provides a simple, digital approach to banking, eliminating the need for branch visits.

In addition to these digital payment avenues, ICICI Bank also provides other payment modes such as NEFT, Scan to Pay, Auto Debit, and cash deposits at branches, ensuring that customers have a variety of choices to suit their preferences and transaction requirements.

ICICI Bank customers can enable auto-debit to avoid missing due dates

ICICI Bank offers a variety of payment options for its customers to pay their credit card bills. One such option is the 'Click to Pay' service, which allows customers to pay their ICICI Bank Loan Equated Monthly Instalment (EMI) and credit card bills through internet banking, UPI, or debit card. However, according to some sources, ICICI Bank has discontinued its 'Click to Pay' service starting February 1, 2025.

To avoid missing due dates, ICICI Bank customers can enable auto-debit from their ICICI Bank Savings Account. This feature ensures that the credit card bill is paid automatically on the due date, without the customer having to remember to make the payment manually. Enabling auto-debit can be done in several ways:

• Submitting a written request to activate auto-debit on the card's due date.
• Calling the ICICI Bank Customer Care Centre and requesting the Customer Care Executive to enroll in the auto-debit facility.
• Logging into the ICICI Bank net banking portal and enabling the auto-debit option for the credit card.

It is important to note that ICICI Bank customers can also choose from other payment methods such as UPI, iMobile, Net Banking, NEFT, Scan to Pay, ICICI Bank ATMs, or cash deposits at branches to pay their credit card dues. However, auto-debit ensures that payments are made on time and helps avoid late fees or interest charges. Additionally, with auto-debit, customers don't need to worry about keeping track of payment due dates or remembering to make manual payments.

To deactivate auto-debit on an ICICI credit card, customers can follow these steps:

• Log in to the iMobile pay app.
• Go to "Cards and Forex".
• Tap on the card for which auto-debit needs to be deactivated.
• Select the "Manage Card" tab.
• Scroll down to "More Options" and click on "Deregister".

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