Credit CardICICI Bank

MEMBERSHIP GUIDE

INDEX

WELCOME ABOARD....................................................................03

FEES & PRIVILEGES ....................................................................04

EXPERIENCE ENTERTAINMENT.................................................05

CULINARY TREATS.................................................................... 06

AIRPORT LOUNGE ACCESS.......................................................07

REWARDS POWERED BY PAYBACK......................................... 08

NETWORK PRIVILEGES.............................................................. 10

SAVINGS OF OVER ` 18,000.......................................................11

BILL PAYMENT OPTIONS............................................................12

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

IMPORTANT INFORMATION ON CHIP & PIN............................. 15

Congratulations on your new ICICI Bank Coral Credit Card; a card that brings you Cash Rewards on every rupee spent.

ICICI Bank Coral Credit Card is available in Visa and MasterCard variants.

In addition to the Cash Rewards, exclusive dining, shopping, travel and entertainment benefits will keep coming your way

throughout the year. With the ICICI Bank Coral Credit Card as your companion, you can be sure to get full value for your money.

Welcome to the world of Unlimited Cash Rewards.

WELCOME ABOARD

Joining GiftYour ICICI Bank Coral Credit Card entitles you to a PROVOGUE Tie and gift voucher worth ` 1500 as a joining gift.

For more details and terms of the joining gift offer, please visit www.icicibank.com

FeesJoining Fee: `1,000 + Service Tax

Annual Fee from 2nd year: `500 + Service Tax

If the spends on your ICICI Bank Coral Credit Card are `1,25,000 or more during an anniversary year, the Annual Fee for the subsequent

year shall be reversed.

Fees & privileges

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

Fictional tales, real-life drama, live concerts. Delve in the myriad styles of the performing arts and embark on an entertainment experience like no other with your ICICI Bank Coral Credit Card. Enjoy complimentary movie tickets in association with www.bookmyshow.com. 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

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

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

Save a minimum of 15% on your dining bill at all participating restaurants

Download on the

Airport Lounge Access

Visa Airport Lounge Access PrivilegesUpgrade your travel experience with two complimentary access per quarter to select airport lounges in India with your ICICI Bank Coral Credit Card. Take a moment to relax in luxury and enjoy the gourmet meals, comfortable seating, free Wi-Fi, widescreen TVs and beverage services.

MasterCard Lounge Access PrivilegesUse your MasterCard Credit Card and enjoy two complimentary access per quarter and unrestricted chargeable access for yourself and your accompanying guests to the premium MasterCard airport lounges in India. Dial MasterCard For You at 1800-102-6263/ 022-42006396 for more information. The current offer is valid till December 31, 2014

To avail, please present your Credit Card at the lounge. For the most updated list of lounges, please visit www.icicibank.com

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.

Your PAYBACK membership number is embossed just below your name on the Credit Card for easy access. PAYBACK will send your complimentary PAYBACK membership card within 10 working days from the date when your ICICI Bank Credit Card is issued. To know more about PAYBACK, please visit www.payback.in

Cash Rewards on all spends

Earn PAYBACK points on all your spends and redeem them for cash or

rewards of your choice

PAYBACKmembership number

Simple ways to redeem your PAYBACK points:

• To redeem your PAYBACK points in cash, please call the dedicated number

080-40146444*. The equivalent cash amount will be credited to your Credit Card account within 7 working days.• To redeem your PAYBACK points for rewards, please call the PAYBACK contact center on 1860-258-5000* or place an online request for redemption on www.payback.in. You will receive the reward of your choice within 10 working days.

Here’s how you earn PAYBACK points:

• Earn 2 PAYBACK points on every `100 spent

• Earn 4 PAYBACK points on every `100 spent on dining, groceries and at supermarkets

The reward points you earn get accumulated with PAYBACK every month. Each reward point is equivalent to ` 0.25

when redeemed for Cash Rewards.

*Standard call charges apply

NETWORK PRIVILEGES

MasterCard MomentsMasterCard Moments is an exclusive program specially created for MasterCard cardholders. At the heart of this program is a host of exceptional experiences designed to inspire and enrich your lives. For more details, please visit www.mastercardmoments.com

Visa PrivilegesLive the good life wherever you are, in India or abroad, with amazing offers from Visa. Wine, dine and unwind with offers from luxury hotels, restaurants, lifestyle stores, spas. Moreover, when you travel abroad there is a dedicated Global Emergency Assistance Service provided by Visa for reporting loss of card, emergency card replacement, emergency cash advance or for other enquiries that you may have. For updated details on all privileges and for a list of contact numbers please visit www.visaplatinum.com

Disclaimer: The above chart is merely indicative in nature and for illustration purposes only. The information provided regarding products, services, offers, benefits, reward programs etc. of ICICI Bank/ third party are governed by the detailed Terms and Conditions, internal policy guidelines as specified by ICICI Bank/ third party from time to time and are subject to applicable laws and regulations. Actual benefits/savings/rewards will be based on the total spends on the Credit Cards and spends on various reward categories by the Cardholders. The Cardholders are requested to make an independent analysis and their own assessment, evaluation, and judgment on the information mentioned hereinabove. The benefits, offers, reward points etc will be available only on those merchant establishments with whom ICICI Bank and MasterCard/Visa have a tie up.

The information provided herein above does not amount to an offer, sponsor or advice as regards any product or services of ICICI Bank or any of its group companies or third parties and is not intended to create any rights or obligations in this regard. ICICI Bank does not undertake any liability or responsibility for the details, accuracy, completeness, errors or correctness of any content or information provided hereinabove. Any dispute or claim regarding the goods, services brought about by the third party must be resolved by the Cardholder with the third parties directly without any reference to ICICI Bank.

*A maximum of two tickets through the portal per month and the ticket price not exceeding ` 250/ticket through www.bookmyshow.com. 2 free movie tickets a month are assumed to be valued at ` 250 per ticket and are subject to availability. The actual rate of ticket may vary for every movie theatre. ** This is based on the assumption that the cardholder avails of 2 complimentary lounge visits per quarter. *** 2.5% fuel surcharge waiver is available on all transactions below ̀ 4000. Fuel surcharge waiver is available on fuel purchases at HPCL petrol pumps when the card is swiped on the ICICI Merchant Services swipe machine.

For detailed Terms and Conditions please visit www.icicibank.com.

SAVINGS OF OVER ` 18,000Discover how your ICICI Bank Coral Credit Card can deliver savings of `18,400 every year.

On-going Benefits & Savings on monthly spends of ` 15,000 Savings (`)

against the Annual Fee

2 complimentary movie tickets every month with 'Experience Entertainment'* 6,000

15% savings on your monthly dining bill of ` 2,000 with ICICI Bank Culinary Treats 3,600

Cash Rewards on dining, groceries and at supermarkets on 600monthly purchases of ` 5,000

Access to MasterCard or Visa Airport Lounge ** 6,400

Cash Rewards on monthly purchases of ` 5,000 elsewhere 300

Waiver of 2.5% fuel surcharge on ` 5,000 spent every month on fuel*** 1,500

Total Savings 18,400

BILL PAYMENT OPTIONS

Online Payment Make online payments using the Bill Pay (for ICICI Bank Savings Account) or Click to Pay (for savings account with other banks) options. You can also make your Credit Card payment through our 24-hour Customer Care if you have an ICICI Bank Savings Account.

Auto-debitControl when and how you make payments without ever missing one! Get the convenience of an auto-debit facility if you hold a savings bank account with ICICI Bank and pay your bills directly through your 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/DraftYou may also deposit your cheque or bank draft favouring your ICICI Bank Coral Credit Card No. 437551xx xxxx xxxx / 524193xx xxxx xxxx at any of the drop boxes located at ICICI Bank branches. Please note that an ICICI Bank cheque will take 3 days to clear; a non-ICICI Bank cheque will take a minimum of 5 days to clear.

Utility Bill PaymentUse your ICICI Bank Coral Credit Card to make utility bill payments from the comfort of your office or home through our 24-hour Customer Care or through Internet Banking.

Interest-free CreditEnjoy up to 48 days of interest-free credit on your purchases. This is applicable only if the outstanding on your credit card as shown in the statement is settled in full by the due date. Interest free credit for up to 48 days is not applicable for cash advances.

Supplementary CardsYou can also 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.

Fuel Surcharge WaiverThis card gives you a complete waiver of 2.5% on fuel surcharge every time you refuel at HPCL pumps. The offer is valid on a maximum spend of `4,000 per transaction at HPCL pumps. To avail of the offer, payment should be made by swiping your card on ICICI Merchant Services swipe machines only.

E-mail Statements and Mobile AlertsE-mail statements and mobile alerts are faster and more reliable ways to get information without postal delays and ensure easier access while on the move. Your password for e-mail statements will be the first four letters of your name followed by your date and month of birth. For example, if the name on your Credit Card is Rajesh Kumar and your date of birth is 05-01-1950, then your password will be “raje0501”. Please take a moment to join the ICICI Bank Go Green Initiative. Save time and paper by subscribing to e-mail statements.

BENEFITS FOR YOUR CONVENIENCE

ICICI Bank 3D Secure ServiceThe ICICI Bank 3D Secure Service, Verified by Visa/MasterCard SecureCode, is the second level of authentication for your online card purchases which protects your card against frauds. As per RBI rules, you must now also enter your unique Verified by Visa password (VbV) / unique MasterCard SecureCode PIN besides the CVV/Expiry date while shopping online. This service is free and you may register your card by visiting www.icicibank.com, from the time you receive your card. Please note that each of your ICICI Bank Credit Cards must be registered individually.

Online BankingWe understand your need to have information at your fingertips at all times. For you to get information when you need it and where you need it, we bring to you the ICICI Bank Internet Banking service. Register at www.icicibank.com and you can view your monthly statement, follow payment status and make bill payments along with a host of other online services.

ATM WithdrawalsWe ensure that you can withdraw cash in times of urgency, from ATMs up to the available cash limit. For the updated list of ICICI Bank ATM locations, please visit www.icicibank.com. While you are traveling overseas, you can withdraw cash from ATMs bearing Visa/MasterCard logos. The interest rate for cash withdrawal will be as per the 'Annualized Percentage Rate' (APR) applicable on your Credit Card. Please refer to the enclosed 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

Your ICICI Bank Chip 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 (PIN). You will be required to enter your 4-digit PIN on the terminal for doing transactions at merchant outlets.

Your 4-digit PIN is being sent to you separately at your mailing address. In case of non-receipt of the PIN within 7 working days from the date of receipt of your card, you may generate your PIN by calling our 24-hour Customer Care.

The 4-digit PIN is not required for online transactions. For online transactions, you need to register your new Chip and PIN card for 3D Secure (Verified by VISA / MasterCard SecureCode) at www.icicibank.com

Follow the below mentioned steps for transactions at merchant outlets.

IMPORTANT INFORMATION ON YOUR ICICI BANK CHIP CREDIT CARD

The merchant will dip your card at a PIN enabled POS terminal.

STEP 1

The merchant will enter the amount to be paid by you.

STEP 2

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

STEP 3

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

STEP 1

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.