CREDIT CARD STATEMENT

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MR AKSHAY P Download the iMobile Pay app to -
166,4TH MAIN NEAR SHARADA,SCHOOL L,,G RA View statement instantly
MANNA BADAVANE,LAGGERE,BANGALORE Block/unblock ATM withdrawal, online transactions &
international transactions in a single click
NORTH SMS iMobile to 5676766 to get the download link or give a missed call on 9222299998
NEAR SHARADA SCHOOL to assistance on call.
KARNATAKA, BANGALORE 560058
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STATEMENT DATE All communications are being sent to your registered e-mail ID and mobile number
November 21, 2023 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 branch
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December 10, 2023 Scan to Pay using €Õ“pnoÁ㢎֊½Ï¨Þ‹¼äám¡q°Æ¸{á‰Ö‡‡°p¬æ¹
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any UPI Application ˼ƒÃÃ|ËlÂsŒ¼¹µ¼Û‚Š¡Ü˜¬³n­ÍÓé³À²ëÐÌ»½
STATEMENT SUMMARY ̌ŒŒŒŒÌlŒl¬l̬¬¬¬lŒŒŒŒ¬ÌŒŒlÌ̬Œ¬¬¬llŒ

Total Amount due Previous Balance Purchases / Charges Cash Advances Payments / Credits
= + + -
`30,230.49 `16,170.82 `17,179.67 `0.00 `3,120.00

Minimum Amount due CREDIT SUMMARY

`4,030.00
Credit Limit (Including cash) Available Credit (Including cash) Cash Limit Available Cash
Interest will be charged if your
total amount due is not paid
`90,000.00 `50,342.25 `9,000.00 `9,000.00

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

0000XXXXXXXX8586
21/11/2023 8368851363 Interest Charges 0 1,004.99

21/11/2023 8368851365 IGST-CI@18% 0 180.90

4073XXXXXXXX8001
97% 20/10/2023 8224223266 Nandi Economic Corridor Bangalore IN 0 70.00

3% 20/10/2023 8224240727 Nandi Economic Corridor Bangalore IN 0 70.00

26/10/2023 8248033084 Nandi Economic Corridor Bangalore IN 0 70.00

26/10/2023 8248035462 Nandi Economic Corridor Bangalore IN 0 70.00

26/10/2023 8248194213 PAYTM WALLET NOIDA IN 13 2,087.00

31/10/2023 8264255319 UPI Payment Received 0 3,120.00 CR

Fuel-3% Others-97% 03/11/2023 8284586363 Nandi Economic Corridor Bangalore IN 0 70.00

03/11/2023 8284604088 Nandi Economic Corridor Bangalore IN 0 70.00

05/11/2023 8294229511 PAY*PAYTM HTTPS://PAYTM IN 65 10,435.00

06/11/2023 8300423626 Nandi Economic Corridor Bangalore IN 0 70.00

Enjoy benefits worth up to
06/11/2023 8300434870 Nandi Economic Corridor Bangalore IN 0 70.00
`70,000 with your
MakeMyTrip ICICI Bank 08/11/2023 8307799140 SUDARSHAN FUEL STATI BANGALORE IN 0 311.80

Signature Credit Card. 08/11/2023 8309565340 Nandi Economic Corridor Bangalore IN 0 70.00

T&C apply. KNOW MORE

MakeMyTrip My Cash

My Cash transferred to
My Cash earned
MakeMyTrip* 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.
78 67

IMPORTANT MESSAGES
*My Cash earned on qualifying expenditure using MakeMyTrip ICICI
Bank Credit Card will be added to your MakeMyTrip account within l Safe Banking Tips -
45 Business Days of monthly credit card statement generation as
per the existing cycle if your credit card account is not delinquent or
l Our registered office address: ICICI Bank Tower, Near Chakli Circle, Old Padra Road, Vadodara, 390 007.
cancelled at the time of such credit. l Making only minimum payment every month can lead to repayment stretching over years with consequent interest payment on
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outstanding balance.
l Please pay your Credit Card outstanding before the payment due date to avoid penal fees and interest charges.
ICICI Bank Credit Card GST Number: 27AAACI1195H3ZK
HSN Code: 997113 Credit Granting Services including
l For any clarification or more information, you may contact us through the ‘Get in Touch’ option at www.icicibank.com
stand-by commitment, guarantees & securities l Mark-up fee and corresponding GST levied is included in the transaction amount displayed.
Statement period : October 21, 2023 to November 21, 2023
l For RuPay/American Express/ Visa/Mastercard Credit Cards: Fuel surcharge and corresponding Goods and Services Tax (GST)
Place of supply: Karnataka
State Code: 29 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: 1574211100047834 CIN No. L65190GJ1994PLC021012 Page 1 of 8

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

08/11/2023 8309568739 Nandi Economic Corridor Bangalore IN 0 70.00

10/11/2023 8315264560 Interest Amount Amortization - <8/12>Paytm 0 24.02

10/11/2023 8315264562 IGST-CI@18% 0 4.32

10/11/2023 8315264570 Principal Amount Amortization - <8/12>Paytm 0 310.82

13/11/2023 8330765538 Interest Amount Amortization - <2/6> 0 126.27

13/11/2023 8330765542 IGST-CI@18% 0 22.73

13/11/2023 8330765544 Principal Amount Amortization - <2/6> 0 1,971.82

#
International Spends

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

EMI on Call 10/04/2023 10/03/2024 12 3,652.25 4 1,339.34 334.84

Merchant EMI 13/10/2023 13/03/2024 6 12,056.00 4 8,392.37 2,098.09

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 8
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

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Page 3 of 8
 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,
1/1

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.

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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]

Method of Payment : Payments towards the Credit Card Account to be made through any of the below modes:
1. Scan to Pay
2. UPI
3. National Electronic Funds Transfer (NEFT)
4. Cash
5. Internet Banking
6. Auto Debit
7. Click to Pay
8. iMobile Pay app
9. ICICI Bank ATMs

To keep your Credit Card Account secure and to receive important updates, please ensure that your mobile number
and e-mail ID are correctly updated.
Benefits of updating mobile number and e-mail ID:
l Receive instant alerts of any suspicious or unauthorised transactions that are carried out using your Credit
Card
l Get real-time updates for all your transactions
l Updates on personalised offers, upgrades etc.

Credit Information Companies (CICs) shall send alerts through SMS/ email when your Credit Information Report
(CIR) is accessed.

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 and on all new transactions except Fees/charges and GST/Taxes (from the
transaction date) till such time as the 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 30, 2023 500
9 GST on LPC 90

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 10 On statement dated Nov 08, 2023, 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 30, 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 30, 2023 (based on 1 - 5) 900
7 GST on Late Payment Fee 162