Card image shown is for illustration purposes only.

MEMBERSHIP GUIDE

INDIA’S ONLY TRANSPARENT CREDIT CARD

ICICI BANK AMERICAN EXPRESS® CREDIT CARD

INDEXKEYNOTE.................................................................................................3

FEES........................................................................................................4

CHIP AND PIN.........................................................................................5

REWARDS ..............................................................................................7

EXPERIENCE ENTERTAINMENT ..............................................................9

MORE SAVINGS FOR YOU.....................................................................10

AMERICAN EXPRESS PRIVILEGES........................................................11

BENEFITS FOR CONVENIENCE..............................................................13

BILL PAYMENT......................................................................................15

CARD SECURITY...................................................................................16

American Express® is a trademark of American Express. The ICICI Bank Coral American Express Credit Card is issued by ICICI Bank, pursuant to a license from American Express.

KEYNOTEWELCOME TO A WORLD OF AMAZING.

Congratulations on your new ICICI Bank American Express® Credit Card.

India’s only transparent credit card, the unique card design fuses the solidity of the element with a clear, transparent backdrop to provide a truly distinctive look to the card.

Take a look at the exclusive benefits on your card:

• 3 PAYBACK Points per Under the ICICI Bank Milestone Rewards programme, get 2000 PAYBACK points on spending `2,00,000 on your card and 1000 payback points each time you cross `1,00,000 spend thereafter in an anniversary year; maximum of 10,000 PAYBACK points per year

`100 online spends and 2 PAYBACK Points per `spent on

• Complimentary movie tickets with 'Buy one get one free' offer on www.bookmyshow.com

• Get complimentary access to airport lounges in India, courtesy of American Express.

• Minimum 15% discount on dining bills with the ICICI Bank Culinary Treats programme

With all this and much more, the ICICI Bank American Express Credit Card is truly your window to the amazing.

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100 spent otherwise (except fuel).

FEES AND PRIVILEGES

Joining Fee: `500 + Goods and Service Tax

Annual Fee (2nd year onwards): `500 + Goods and Service Tax

If the spends on your ICICI Bank American Express Credit Card are `1,50,000 or more during an anniversary year, the Annual Fee for the subsequent year will be reversed.

FEES

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CHIP AND PIN SECURITY

you during the course of usage of the card for POS transactions.

FORGOTTEN PIN

NON-RECEIPT OF PIN

CHIP AND PIN

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Your credit card comes with an embedded microchip which provides additional security against counterfeiting/duplication of the card.

It also provides an extra layer of security in the form of a Personal Identification Number (PlN). You will be required to enter your 4-digit PINon the terminal for transactions at merchant outlets. Your 4-digit PIN is being sent through SMS at your registered mobile number.

Credit cards on American Express Network use an "Offline" PIN capability for Point of Sale (POS)/Retail transactions wherein the PIN isencoded onto the Chip embedded in your credit card. This implies that the PIN provided at the time of card issuance cannot be changed by

In case you have forgotten your PIN, please call our Customer Care for reissuance of the PIN. The PIN will be reissued and dispatched toyou at your mailing address.

Please note that for ATM cash withdrawals, the PIN provided at the time of card issuance can be changed by you at ICICI Bank ATMs or through the IVR by calling our Customer Care.

In case of non-receipt of the PIN within 7 working days of receipt of your card, please call our Customer Care for reissuance of the PIN. The PIN will be reissued and dispatched to you at your mailing address.

4

Please follow these steps for successful transactions at merchant outlets:

Important information: Please do not write/carry/share your PIN with anybody. Your PIN is critical for Point Of Sale (POS) terminal transactions and ATM transactions.

The merchant will dip your card at a PIN

enabled POS terminal.

The merchant will enter the amount to

be paid by you.

The Point of Sale (POS) terminal will prompt for a PIN.

Enter your 4-digit credit card PIN on the POS terminal.Pull out the card once the transaction is complete.

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CHIP AND PIN

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REWARDS

With this card, every swipe promises to be a treat. Whether you go shopping, dining or just out with friends, every purchase brings you PAYBACK Points that can be redeemed in cash or for an incredible array of rewards.

PAYBACK is India’s largest and one of Europe’s most successful multi partner loyalty programmes.

Earn 1 PAYBACK points on every `100 spent on utilities and insurance categories.

EARN REWARDS ON ALL SPENDS

Online spends

Other retail spends (except fuel)

3 PAYBACK Points per `100

2 PAYBACK Points per `100

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EARN ADDITIONAL PAYBACK POINTS WITH PAYBACK PARTNER BRANDS

Visit www.payback.in for more details.

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REWARDS

*Standard redemption charges apply. Rewards are subject to availability.

REWARDS THAT PLEASEWhen it's time for you to redeem* your PAYBACK Points, we have

ensured a worthy selection of rewards for you to choose from. You can

choose from wide range of merchandise including stylish accessories

from Guess, Tommy Hilfiger and Calvin Klein, classic time pieces from

Omega, Raymond Weil and Tag Heuer or latest gadgets from Apple,

Blackberry, Canon, Samsung and Sony Ericsson.

You can also redeem your points for gift vouchers from Debenhams,

Nautica, Jack and Jones, Taj Hotels, Palaces and Resorts. In addition,

you can also convert your PAYBACK Points into air miles on Jet

Airways and Miles & More.

What’s more, you can convert your PAYBACK Points into cash. When

redeemed for cash, each reward Point is equivalent to `0.25. To

redeem in cash, please call 080 40146444. The equivalent cash

amount will be credited to your credit card account, within seven

working days.

Your PAYBACK membership number is embossed on

your card for easy access, just under your name. Quote

the number to start availing PAYBACK benefits away.

You can also link your mobile number to your PAYBACK

number and quote it to redeem the points.

To know more about PAYBACK, listed partners redemption

process and other details, please visit www.payback.in or email

at membercare@payback.in or call the PAYBACK contact centre

on 1860-258-5000. Now you can also redeem your PAYBACK

points by calling the ICICI Bank Customer Care.

PAYBACK membership number

and quote it to redeem the points.

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PAYBACK embership number

8 INDEX

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EXPERIENCE ENTERTAINMENT

BUY 1 MOVIE TICKET,GET 1 FREE,

ALL THROUGH THE WEEK

E n t e r t a i n m e n t

Enjoy complimentary movie tickets in association with BookMyShow. Buy 1 movie ticket and you will be entitled to the other absolutely free, all through the week.

You can book up to 2 free tickets per month valued at up to `250 per ticket. Successful booking is on a first come, first serve basis subject to daily stock availability. To book your movie ticket and for detailed Terms and Conditions, please visit www.bookmyshow.com/icicioffer.

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MORE SAVINGS FOR YOU

Shower your taste buds with delicious treats at leading restaurants across India and get great discounts too.

SAVINGS ONFUEL PURCHASES

No fuel surcharge will be levied on fuel transactions up to `4000 at HPCL petrol

pumps when you use your ICICI BankAmerican Express Credit Card.

Save a minimum of 15% on your dining bill at all participating restaurants. To view the complete list of restaurants visit www.culinarytreats.com. You can also download the ICICI Bank Culinary Treats mobile app from or

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AMERICAN EXPRESS PRIVILEGESPRIVILEGES ON THE ICICI BANK AMERICAN EXPRESS CREDIT CARD

Enrich your travel experience with complimentary access to railway lounges and select lounges at airports in India with your ICICI Bank American Express Credit Card. To avail, please present your Card at the lounge reception. To view the updated list of lounges and complete details on the programme with the associated Terms and Conditions, please visit www.icicibank.com

*Terms and Conditions apply. Primary/Supplementary Card Members holding the ICICI Bank American Express Credit Card are entitled to 8 complimentary accesses per calendar year. The current programme is valid till August 14, 2018. Please note that the list of lounges may be changed by American Express at its sole discretion and without any notice to ICICI Bank or its Card Members. This offer is provided by a third party and governed by such third party terms and conditions.

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AMERICAN EXPRESS PRIVILEGES

Shopping online at your favourite stores worldwide is now more convenient and rewarding. You can shop at popular US and European online stores and have your order delivered to your doorstep right here in India. Register with one of our global shipping partners and enjoy special savings and easy shipping solutions. The initial setup fees are waived for you.

Visit www.shoppingconnection.com to know more.

American Express Selects® provides a wide range of special offers from around the globe intravel, dining, shopping, and entertainment.

To view the current list of offers, visit www.amexnetwork.com/selects.

Some of the special offers under Shopping Connection:

Free 2-year premium membership (worth $120). 30% further savings ondiscounted shipping rates.

No Annual Fees. Complimentary $15 Amazon Gift Card when you register. 2 months free storage. 10%-30% further savings on discounted shipping rates.

50% savings on first shipment, 20% thereafter.

For a complete list of offers, partners, Terms and Conditions please refer to www.icicibank.com

E-Mail statementsand Mobile Alerts

E-mail statements and mobile alerts are fast and reliable ways to

get information on the move. Join the ICICI Bank initiative and

save time and paper by registering for Email statements.

Online Banking

Register on www.icicibank.com to view your monthly statement,

follow payment status and make bill payments along with a host of

other online services

Utility Bill Payment

Use your ICICI Bank American Express Credit Card

to make utility payments from the comfort of your office or

home through our Internet Banking Services or our

Customer Care.

Supplementary Cards

You can share these card benefits with your family members and

present up to two supplementary cards to your parents, spouse,

children or siblings above the age of 18 years.

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BENEFITS FOR CONVENIENCE

Interest-Free Credit

Enjoy up to 48 days of interest-free credit on your purchases. This is

however applicable only if the outstanding on your credit card as

shown in your latest statement is settled in full by the due date. Free

credit for up to 48 days is not applicable for cash advances.

International Acceptance

If you are travelling abroad, do not forget to carry your ICICI Bank

American Express Credit Card. It is internationally valid and has a

wide acceptance globally.

ATM Withdrawals

We ensure that you can withdraw cash in times of urgency, from Automated Teller

Machines (ATMs) up to the available cash limit. For a list of ICICI Bank ATM locations,

please visit www.icicibank.com. While travelling overseas, you can withdraw cash

from ATMs bearing the American Express logo. The interest rate for the cash withdrawal

will be as per the 'Annualized Percentage Rate' (APR) applicable on your credit card. Please

refer to the Most Important Terms and Conditions (MITC) to know the APR of your

credit card. Your available cash limit will be NIL for the first 180 days.

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BILL PAYMENT

CLICK TO PAY

Make online payments instantly anywhere, anytime using the Bill Pay (ICICI Bank Savings account holders) or Click to Pay options (savings account holder with other banks). You can also make your card payment through our Customer Care, if you have an ICICI Bank Savings account.

AUTO-DEBIT

You can now control when and how you make payments without ever missing one! With our auto-debit facility pay your bills directly through your ICICI Bank account by simply giving a written instruction to debit the payment every month on a pre-set due date. In case the due date falls on a Sunday or a holiday, the amount would be automatically debited the next working day.

CHEQUE/DRAFT

You can also deposit a cheque or bank draft favouring your ICICI Bank Credit Card No. 3769 xxxxxx xxxxx at any of the drop boxes located at the nearest ICICI Bank branches. Please note that an ICICI Bank cheque will take a minimum of 3 days to clear; a non-ICICI Bank cheque will take a minimum of 5 days to clear.

BILL PAYMENT

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CARD SECURITY

American Express SafeKey® is a 3-D Secure authentication tool that gives you an extra layer of security against fraud

when shopping online at participating SafeKey retailers. You will be taken to the SafeKey screen once your card details

have been captured and you will be prompted to enter a password in order to complete your order.

AMERICAN EXPRESS SAFEKEY®

To register : Log on to www.icicibank.com/safekey

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CUSTOMER CARE

Get in touch with our Customer Care at:

Ahmedabad: +91 79 3366 7777, Bengaluru: +91 80 3366 7777, Chennai: +91 44 3366 7777

Delhi: +91 11 3366 7777, Hyderabad: +91 40 3366 7777, Kolkata: +91 33 3366 7777, Mumbai: +91 22 3366 7777, Chandigarh: +91 172 3366777

Lucknow: +91 522 3366777 Pune: +91 9021667777

Or, if you prefer, you may write to ICICI Bank through the “Email Us” option at www.icicibank.com.

The products, services and offers referred to herein are subject to the terms and conditions governing them as specified by ICICI Bank from time to time at www.icicibank.comThe

3366777

t www.icicibank.com