CREDIT CARD STATEMENT

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20022024_1
MR BHAVESH VIRJIBHAI GAJERA Download the iMobile Pay app to -
SAVARKUNDLA ROAD GAJERA PARA View statement instantly
NEAR RAMJI MANDIR Block/unblock ATM withdrawal, online transactions &
international transactions in a single click
GUJARAT, BHAVNAGAR 365601 SMS iMobile to 5676766 to get the download link or give a missed call on 9222299998
to assistance on call.

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Scan the OR Code, to know about the Credit Card services,
on ICICI Bank’s iMobile Pay.

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STATEMENT DATE All communications are being sent to your registered e-mail ID and mobile number
February 20, 2024 l To update email ID and registered mailing address, visit www.icicibank.com > Login > Customer Service >
Service Requests > Credit Card > Request for address change or visit the nearest ICICI Bank branch
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PAYMENT DUE DATE l To update mobile number, visit the nearest ATM or branch
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March 9, 2024 Scan to Pay using ‹Ø“±mnÁãâ•×ŠÝϩދ¼äám¡lp‡¸{á‰Ö‡‡°p¬æ¹
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any UPI Application ˼ƒƒƒ¼ËlÂÓ¨|xu¼Û‚Š¡Ü˜¬Ón­ÍÓé³À²ëÐÌ»½
STATEMENT SUMMARY ̌ŒŒŒŒÌlŒÌ¬lÌll¬¬lŒŒŒŒ¬ÌŒŒlÌ̬Œ¬¬¬llŒ

Total Amount due Previous Balance Purchases / Charges Cash Advances Payments / Credits
= + + -
`11,268.36 `11,294.04 `11,268.36 `0.00 `11,294.04

Minimum Amount due CREDIT SUMMARY

`11,268.36
Credit Limit (Including cash) Available Credit (Including cash) Cash Limit Available Cash
Interest will be charged if your
total amount due is not paid
`1,70,000.00 `1,42,947.99 `17,000.00 `17,000.00

SPENDS OVERVIEW Date SerNo. Transaction Details Reward Intl.# Amount (in`)
Points amount

0000XXXXXXXX0978
06/02/2024 8713785530 Autodebit Payment Recd. 0 11,294.04 CR

4375XXXXXXXX9005
22/01/2024 8650499678 Interest Amount Amortization - <5/6> 0 165.93

22/01/2024 8650499684 IGST-CI@18% 0 29.87

22/01/2024 8650499696 Principal Amount Amortization - <5/6> 0 6,185.23

06/02/2024 8718579027 Interest Amount Amortization - <4/6> 0 188.95

06/02/2024 8718579031 IGST-CI@18% 0 34.01

06/02/2024 8718579041 Principal Amount Amortization - <4/6> 0 4,664.37

#
International Spends

EMI / PERSONAL LOAN ON CREDIT CARDS

Get 2.5% cashback and Transaction/ Creation Finish Date No. of EMI/Loan Pending Outstanding Monthly
savings of 1% surcharge on LoanType Date Installments Amount Installments Amount* Installment
Amount
fuel spends with ICICI Bank
Merchant EMI 22/09/2023 22/02/2024 6 36,391.08 1 6,351.19 6,351.17
HPCL Credit Card conversions

KNOW MORE T&C apply.

ICICI Bank Rewards

Points Earned
0 For further information, 'ask iPal' on our website and mobile app. You may also contact our Customer Care, your
RM or visit any ICICI Bank Branch.

IMPORTANT MESSAGES
l Safe Banking Tips -
ICICI Bank Credit Card GST Number: 27AAACI1195H3ZK l Our registered office address: ICICI Bank Tower, Near Chakli Circle, Old Padra Road, Vadodara, 390 007.
HSN Code: 997113 Credit Granting Services including l Making only minimum payment every month can lead to repayment stretching over years with consequent interest payment on
stand-by commitment, guarantees & securities
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outstanding balance.
Statement period : January 20, 2024 to February 20, 2024
l Please pay your Credit Card outstanding before the payment due date to avoid penal fees and interest charges.
Place of supply: Gujarat
l For any clarification or more information, you may contact us through the ‘Get in Touch’ option at www.icicibank.com
State Code: 24
l Mark-up fee and corresponding GST levied is included in the transaction amount displayed.
l For RuPay/American Express/ Visa/Mastercard Credit Cards: Fuel surcharge and corresponding Goods and Services Tax (GST)
levied is included in the transaction amount displayed.
l Payment through UPI is subject to the limits set by respective payment service providers.

Invoice No: 1574200201534961 CIN No. L65190GJ1994PLC021012 Page 1 of 7

EMI / PERSONAL LOAN ON CREDIT CARDS
Transaction/ Creation Date Finish Date No. of Installments EMI/Loan Amount Pending Installments Outstanding Amount* Monthly Installment
LoanType Amount

Merchant EMI 06/11/2023 06/04/2024 6 27,808.66 2 9,706.61 4,853.32

conversions

*For EMI Purchases and Loans within Credit Card limit, the credit limit of the credit card will be blocked by the amount which is equal to outstanding amount + Applicable Taxes and fees.
*For loan on Credit Card-over the limit (PLCC OTL), the credit limit of the credit card will be blocked by the amount which is equal to billed EMI/EMIs + Applicable Taxes and fees.

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Page 2 of 7
MOST IMPORTANT TERMS AND CONDITIONS (MITC)

To get the complete version of Credit Cards – Most Important Terms and Conditions (MITC), please visit:

ICICI Bank Website>Products>Credit Cards>Terms and Conditions and FAQs>Most Important Terms and Conditions

Or visit the link: https://www.icicibank.com/managed-assets/docs/personal/cards/mitc_cc.pdf

GREAT OFFERS ON YOUR CARD

Save on fuel spends with

ICICI Bank HPCL Credit Card
Get 2.5% cashback and savings of 1% surcharge
on fuel spends

KNOW MORE

* Terms and Conditions apply.

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Page 3 of 7
 IMPORTANT INFORMATION ON YOUR CREDIT CARD
If a No Cost EMI offer is communicated by the merchant during the purchase, the interest benefit pertaining
to this offer will be passed on to the card holder through an instant discount mode or cashback mode, as per
the offer details defined by the merchant. Bank charges interest on every EMI transaction.

Grievances Redressal/Complaints/ Escalations: In the event that you are not satisfied with our services, you
may register your grievance by (i) visiting “Complaint Form” at www.icicibank.com or (ii) calling at our
Customer Care number or (iii) writing to Ms. Sharlet Malvankar, Nodal Officer, ICICI Bank Limited, ICICI
Phone Banking Center, ICICI Bank Tower, 7th floor, Survey no: 115/27, Plot no. 12, Nanakramguda,
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Serilingampally, Hyderabad – 500032, India. In all your communications with us, please indicate your
complete Credit Card number.

This is an authenticated intimation/statement. Customers are requested to immediately notify the Bank of any discrepancy in the statement.

Page 4 of 7
To report the loss, theft or unauthorised use of card or PIN of credit card, you can use any of the below mentioned
three mediums to block the card
l Send SMS BLOCK space <last 4 digit of card number> to 9215676766 from your registered mobile number
l If you are within India, call on 18002662 and if you are outside India, call on 04071403333
l Go to mobile banking app to block the card (under manage card)
In case you require any further information, you may call our Customer Care (1800 1080) or write to us at
[email protected]

Interest calculation
Interest will be charged if the Total Amount Due (TAD) is not paid by the payment due date. Interest will be
charged on the Total Amount Due or on the remaining amount in case Minimum Amount Due / Partial amount is
paid. Interest will charge on all transactions (from the transaction date) except Fees/Charges & GST/Taxes, and
interest-free credit period benefits would not be available until previous outstanding amounts are paid in full. In
addition, interest will be levied on all cash advances from the date of the transaction until the date of payment.

The following illustration will indicate the method of calculating interest charges:

SL. No Transaction ₹
1 Purchase on Sep 20, 2023 2,000
2 Total Amount Due on statement dated Oct 08, 2023 (1) 2,000
3 Minimum Amount Due on statement dated Oct 08, 2023 (5% of TAD) 100
4 Payment due date - Oct 26, 2023
5 Purchase on Oct 15, 2023, Rent Pay 2,000
6 Convenience Fee on Rent Pay on Oct 15, 2023 20
7 GST on Convenience Fee 3.60
8 LPC charged on Oct 29, 2023 500
9 GST on LPC 90
10 On statement dated April 15, 2021, interest will be levied @ 40.80% per annum
11 Interest on 20th Sep 2023 Transaction for 50 days (20 Sep - 8 Nov) 111.78
12 Interest on 15th Oct 2023 Transaction for 25 days (15 Oct - 8 Nov) 55.89
13 Total Interest charged (11 to 12) 167.67
14 GST on Interest 8.38

** The above illustration has been prepared assuming that customer is not delinquent prior to the statement
generated on Oct 10, 2023

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Minimum Amount Due Calculation
The Minimum Amount Due (MAD) shall be 5% of the outstanding amount or such other amount as may be
determined by ICICI Bank at its sole discretion. The installment amount due during the statement period will be
added to the Minimum Amount Due. If the total outstanding is more than the credit or cash limit, then the amount
by which the credit or cash limit has been exceeded will also be included in the Minimum Amount Due. Any Fee
charged in the statement over the credit limit will be considered twice in Minimum Amount Due calculation. Fee &
GST on customer’s statement will also be included in the Minimum Amount Due. Minimum Amount Due shall also
include unpaid Minimum Amount Due of the previous statements, if any.

The following illustration will indicate the method of calculating MAD charges:

SL. No Transaction ₹
1 Credit Limit 26,000
2 Purchase on Sep 20, 2023 24,000
3 Total Amount Due on statement dated Oct 08, 2023 (2) 24,000
4 Minimum Amount Due on statement dated Oct 08, 2023 (5% of TAD) 1,200
5 Payment due date - Oct 26, 2023
6 Purchase on Oct 15, 2023 2,000
7 EMI Conversion of Purchase on Oct 15, 2023 -2,000
8 EMI No. 1 Principal 200
9 EMI No. 1 Interest 20
10 GST on EMI Interest 3.60
11 Processing Fee 20
12 GST on Processing Fee 3.60
13 Late Payment Fee on Oct 29, 2023 900
14 GST on Late Payment Fee 162
15 Purchase on Oct 30, 2023 1,000
16 Over-limit Fee 550
17 GST on Over-limit Fee 99
18 Total Outstanding Due (TAD) on Statement dated Nov 08, 2023 26,958.20
19 On statement dated Nov 08, 2023, following MAD will be calculated:
20 Overdue of previous statement (4) 1,200
21 EMI No. 1 (Principal & Interest & GST) (8 to 10) 223.60
22 Over-limit Amount above Credit Limit (18 – 1) 958.20
23 EMI Processing Fee (11) 20
24 GST on EMI Processing Fee (12) 3.60
25 Late Payment Fee (13) 900
26 GST on Late Payment Fee (14) 162
27 Over-limit Fee (16) 550
28 GST on Over-limit Fee (17) 99
29 5% GST on remaining Balance (18 - 20 - 21 - 22 - 23 - 24 - 25 - 26 - 27 -28) 1,142.09
30 Minimum Amount Due on statement dated Nov 08, 2023 (20 to 29) 5,258.49

** The above illustration has been prepared assuming that customer is not delinquent prior to the statement
generated on Oct 10, 2023 and interest charges are also applicable in Nov 08, 2023 statement.
Late payment Charges Calculation
The Late Payment charges on your card is be a function of the Total Amount Due minus any payment received
before payment due date and will be as follows:

Outstanding = Total Amount due (as of previous statement) – Payment Received before payment due date

Outstanding Amount Late Payment Charges

Less than ₹100 None
Between ₹100-₹500 ₹ 100
Between ₹501- ₹5,000 ₹ 500
Between ₹5,001-₹10,000 ₹ 750
Between ₹10,001-₹25,000 ₹ 900
Between ₹25,001- ₹50,000 ₹ 1,000
More than ₹50,000 ₹ 1,200

The following illustration will indicate the method of calculating Late Payment charges:

SL. No Transaction ₹
1 Purchase on Sep 20, 2023 26,000
2 Total Amount Due on statement dated Oct 08, 2023 (1) 26,000
3 Minimum Amount Due on statement dated Oct 08, 2023 (5% of TAD) 1,300
4 Payment due date - Oct 26, 2023
5 Payment on Oct 28, 2023 1,100
6 Late Payment Fee on Oct 29, 2023 (based on 1 - 5) 900
7 GST on Late Payment Fee 162