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Missing a credit card payment can lead to extra charges and may also affect your credit profile. In such cases, the cardholder may have to deal with a late payment fee. A late payment can also show up on the credit report and may affect the CIBIL score, depending on the situation. For ICICI Credit Card users, knowing how late payment charges work can help avoid surprises when checking the next bill. This blog looks at ICICI Credit Card late payment fees and the possible effect of late payments on the CIBIL profile.
Key takeaways:
Missing an ICICI credit card payment can lead to a late payment charge. It may also have an effect on your CIBIL report, depending on the payment delay and credit history.
Hence, these are the late credit card payment charges applied as per the borrower’s outstanding amount.
Note: These are the late payment charges stated in ICICI Bank’s MITC, last updated on July 10, 2026. Please check ICICI Bank’s latest Key Fact Statement before publishing to make sure the charges are still the same.
There are certain things borrowers need to consider for late payment charges, whether it be the grace period, interest charges, etc.
Hence, these are the factors considered by ICICI Bank for the late payment charges on the ICICI credit card.
A late payment can affect your credit report, but not immediately. A missed payment may not be reported immediately. If the payment remains unpaid for a long time, it may be reported as a payment delay. Paying the dues before this period may mean the delay is not reported in the same way.
The impact on your CIBIL score can vary from person to person. It can depend on your existing score, credit history, and other details in your credit report. A late payment entry can stay on your credit report for several years. The way it is recorded and how long it is retained can vary between credit bureaus.
*T&C Apply
Your score might improve over time if you keep making your payments on time and maintain your credit accounts properly. So, if you have missed a payment, it is better to clear the dues and avoid further delays where possible.
If you are behind on your credit card payments by several months and the account has not yet entered NPA status, you may still have some options to manage the dues. The suitable option can depend on your financial situation and the terms offered by the lender.
1. Consider credit card debt settlement:
You can speak to ICICI Bank about settling the outstanding credit card dues. In a settlement, the lender may agree to accept an amount that is different from the total outstanding balance. The terms can vary, and a settled account may also be reflected differently on your credit report.
2. Ask about EMI conversion:
You may ask ICICI Bank whether your outstanding credit card balance can be converted into EMIs. This can turn the outstanding amount into fixed monthly payments, subject to the bank's eligibility criteria, interest rate, and other terms.
3. Consider a balance transfer:
A balance transfer involves moving your outstanding credit card balance to another card or lender, usually at a different interest rate. Whether this option is available to you can depend on your credit profile, eligibility, and the terms offered by the new lender.
4. Set up an auto-payment facility:
You can set up an auto-payment facility to help avoid missing your credit card payments. You can set the date without any hassle so the payment gets deducted without worrying about remembering the due date.
Hence, these are the methods you can use to manage the ICICI Bank credit card dues.
Late payment charges are something that can cause tension among borrowers. But banks, like ICICI Bank, may apply late payment charges to the borrower if the due amount is paid late after a certain time. A default may be reported to credit information bureaus, subject to applicable reporting requirements. Hence, one must be careful when handling the credit card and try to avoid late payments to be on the safer side.
The starting charge for a late payment is ₹100 for the outstanding due amount of ₹101 to ₹500.
The charges may keep on adding to your growing outstanding dues. Moreover, this could affect your credit score.
This depends on factors like how long after the due date the payment is made and when the lender gave the report to the credit bureau.
ICICI Bank provides Sapphiro, Rubyx, and Coral credit cards.
No, the credit card late payment charges vary from one lender to another. There are no standard credit card late payment charges for all the banks.
Missing one ICICI Credit Card payment does not necessarily mean your CIBIL score will go down immediately. The effect may depend on the length of the delay, whether the payment is reported to the credit bureau, and your existing credit history.
There are multiple ways one can lower this financial burden, like a balance transfer with better terms, EMI conversion, etc.
₹1,300 is applied as the late payment charge on the outstanding amount of more than ₹50,000.
If the credit card instalments are paid on time, there would be fewer chances of late charges being applied to you.
Your credit card activity may be considered when you apply for a loan. Things such as your payment history, outstanding balance, and overall credit history can form part of the lender's assessment.
