INDIA S ONLY TRANSPARENT CREDIT CARD

INDIA S ONLY TRANSPARENT CREDIT CARD ICICI BANK AMERICAN EXPRESS CREDIT CARD MEMBERSHIP GUIDE Card image shown is for illustration purposes only.

KEYNOTE...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

KEYNOTE WELCOME 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 backdrop to provide a truly distinctive look to the card. element with a clear, transparent Take a look at the exclusive benefits on your card: 3 PAYBACK Points per `100 spent on online spends and 2 PAYBACK Points per `100 spent otherwise (except fuel). 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 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. 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. 3

FEES AND PRIVILEGES FEES Joining Fee: `500 + Goods and Service Tax Annual Fee (2 nd 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. 4

CHIP AND PIN CHIP AND PIN SECURITY 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 PIN on 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 is encoded onto the Chip embedded in your credit card. This implies that the PIN provided at the time of card issuance cannot be changed by you during the course of usage of the card for POS transactions. FORGOTTEN PIN In case you have forgotten your PIN, please call our Customer Care for reissuance of the PIN. The PIN will be reissued and dispatched to you 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. NON-RECEIPT OF PIN 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. 5 NEXT

CHIP AND PIN Please follow these steps for successful transactions at merchant outlets: STEP 1 STEP 2 STEP 3 STEP 4 4 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. 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. 6

REWARDS EARN REWARDS ON ALL SPENDS 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. Category* Online spends Other retail spends (except fuel) Points on spends 3 PAYBACK Points per `100 2 PAYBACK Points per `100 Earn 1 PAYBACK points on every `100 spent on utilities and insurance categories. PAYBACK is India s largest and one of Europe s most successful multi partner loyalty programmes. EARN ADDITIONAL PAYBACK POINTS WITH PAYBACK PARTNER BRANDS Visit www.payback.in for more details. 7 NEXT

REWARDS REWARDS THAT PLEASE When 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. 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. 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. PAYBACK membership number 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. 8 *Standard redemption charges apply. Rewards are subject to availability.

EXPERIENCE ENTERTAINMENT E n t e r t a inm 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. BUY 1 MOVIE TICKET, GET 1 FREE, ALL THROUGH THE WEEK 9

MORE SAVINGS FOR YOU 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 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 SAVINGS ON FUEL PURCHASES No fuel surcharge will be levied on fuel transactions up to `4000 at HPCL petrol pumps when you use your ICICI Bank American Express Credit Card. 10

AMERICAN EXPRESS PRIVILEGES PRIVILEGES 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 ch anged 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 gover ned by such third party terms and conditions. 11 NEXT

AMERICAN EXPRESS PRIVILEGES American Express Selects provides a wide range of special offers from around the globe in travel, dining, shopping, and entertainment. To view the current list of offers, visit www.amexnetwork.com/selects. 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. Some of the special offers under Shopping Connection: Free 2-year premium membership (worth $120). 30% further savings on discounted 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 12

BENEFITS FOR CONVENIENCE 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. Utility Bill Payment Use your ICICI Bank American Express Credit Card to make utility payments from Online Banking the comfort of your office or home through our Internet Register on www.icicibank.com Banking Services or our to view your monthly statement, Customer Care. follow payment status and make bill payments along with a host of other online services E-Mail statements and Mobile Alerts E-mail statements s 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. 13 NEXT

International Acceptance 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. 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. 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. 14

BILL PAYMENT 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. 15

CARD SECURITY AMERICAN EXPRESS SAFEKEY 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. To register : Log on to www.icicibank.com/safekey 16

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.com