Spend to Earn FAQs

iMobile Pay is ICICI Bank's Mobile Banking application that can be downloaded and activated on your mobile phone. With iMobile Pay you can check your balance, transfer funds, pay utility bills, recharge your mobile phone, DTH connection, broadband, book movie tickets and much more on the go.

No, Bill payment as a whole will be counted as only one alternate mode & not 4.

SMS iMobile to 5676766 to get the download link or visit the Android/ iOS/ Windows/ Blackberry app store using your GPRS enabled mobile phone and download the iMobile app.

You will not be eligible for the cash back offer.

The Spend2Earn is a programme where customers can earn a cashback of Rs. 3000 on doing transactions in his/her savings account using defined payment modes, which will be credited in savings account of the customer on fulfilling the eligibility criteria.

• Customer should do at least one transaction (financial/non-financial) through iMobile (including iMobile activation) every month
• Customer should have done the transaction using at least 3 defined alternate mode of payments as mentioned below, in addition to iMobile activation
• Customer should have debit transactions in the enrolled savings account aggregating to Rs. 8,000 through any of the below 6 alternate modes
• The debit transactions of Rs. 8,000 should be done consistently for 6 months through the same 3 alternate modes
• The minimum threshold amount defined against each payment mode has to be fulfilled
• For customers who are already active on alternate modes even before they opted for the Cashback Programme will have to undertake new transactions using defined alternate modes
• Customer should not be defaulting on the contracted minimum balance requirement in any of the months during offer period
• The debit criteria of Rs. 8,000 will be considered from M 2 month and continue till M 8 month where M being the month of account opening for new customers and month of enrolment for existing customers.
• Customer needs to register for the required mode of payments (alternate modes) to ensure that the debit transaction in savings account against each mode is enabled by M 2 month.

ICICI Bank retail customers above the age of 18 years having resident savings account with minimum monthly average balance requirement of Rs.10,000.

Existing customers can visit the nearest ICICI Bank branch and submit the customer consent letter. New customers can enrol at the time of account opening only.

No, you can enrol only once and only one account can be registered under the programme. List of eligible savings account status codes are - FAA05, FAA10, GAA10, SBR10, HHJWL, HKC10, SBK10, WOMAN, GAF30, HHBT1, WMNF, HHBT2, HHBT3, FE10, HGV10, HHOTP.

Debit transactions in your selected savings account towards alternate mode of payments are considered.

At least 3 payment modes apart from iMobile activation you have to use every month for 6 months.

You can choose from the following payment modes

Yes, you can use any alternate mode of payment but make sure at least 3 same mode should be active for 6 months.

You can register for bill pay facility through ICICI Bank Internet Banking service or simply visit the nearest ICICI Bank branch and submit the physical form.

It will be considered under the cash back offer.

Prepaid and DTH recharge are not considered.

Yes, both modes will be considered active.

No, only Expression Debit Card used for non-cash debit transactions are considered for the cash back offer.

SI set up for credits into savings account within ICICI Bank will not be considered.

Only payment towards any of the below ICICI Bank/ Group Co-Products by debiting the enrolled savings account.

• Loan EMIs and Credit Card payment

Transactions will be considered from T 2 month where T is the month of enrolment when customer got his savings account enrolled under Spend2Earn Programme.