CREDIT CARD STATEMENT

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20112024_1
MR YOGESH SINGHAL Download the iMobile Pay app to -
CADILA HEALTHCARE LTD View statement instantly
2B/28A AVAS VIKAS FIRST BULANDSHAHR Block/unblock ATM withdrawal, online transactions &
international transactions in a single click
2B/28A AVAS VIKAS FIRST BULANDSHAHR SMS iMobile to 5676766 to get the download link or give a missed call on 9222299998
UTTAR PRADESH, BULANDSHAHR 203001 to assistance on call.

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STATEMENT DATE All communications are being sent to your registered e-mail ID and mobile number
November 20, 2024 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 8, 2024 Scan to Pay using |ÓçxäÁ”¢ÊÛ½œ‚¦y‹›ävm¯q營{v‰‡Ð°ç¬q¹
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STATEMENT SUMMARY ̌ŒŒŒŒÌlŒl¬ÌÌÌlŒ¬ÌŒ¬Œ¬¬lŒ¬lľŒŒ¬Œľ

Total Amount due Previous Balance Purchases / Charges Cash Advances Payments / Credits
= + + -
`36,591.94 `41,230.84 `43,432.97 `0.00 `48,071.87

Minimum Amount due CREDIT SUMMARY

`1,830.00
Credit Limit (Including cash) Available Credit (Including cash) Cash Limit Available Cash
Interest will be charged if your
total amount due is not paid
`52,000.00 `305.57 `5,200.00 `305.57

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

6528XXXXXXXX1014
43%
20/10/2024 10120013103 SMART POINT 2 129.00

23/10/2024 10125875078 INFINITY PAYMENT RECEIVED, THANK YOU 0 21,230.80 CR

23/10/2024 10128911754 UPI-429770398390-MAA DURG A PAINTS 3 190.00

HOUS IN

23/10/2024 10129091661 UPI-429770934463-Jalan se rvice station IN 0 200.00

4%
23/10/2024 10129179593 UPI-429777567761-ARUN BA NSAL IN 1 80.00

23/10/2024 10129399579 UPI-429778457694-RAKESH IN 2 130.00

37% 16%
23/10/2024 10129482925 UPI-466330498604-Gyanendr a Kumar IN 0 40.00

24/10/2024 10131177541 UPI-429897603707-MAA DURG A PAINTS 14 740.00

HOUS IN
Apparel/Grocery-16% Fuel-37%
24/10/2024 10131186847 UPI-429876527650-BHAGWAT PRASAD 2 120.00
Others-43% Dining-4%
PYAREY IN

24/10/2024 10134278581 UPI-429833618360-Mahipal Singh IN 1 60.00

23/10/2024 10136017617 FlipkartInternetPrivate 7 373.00

25/10/2024 10139572406 UPI-466573185623-Taneja p rovision stor IN 40 2,000.00

For exclusive
offers, visit 26/10/2024 10144122986 UPI-430094633387-ARUN YAD AV IN 40 2,000.00

www.icicibank.com/offers 24/10/2024 10145760059 PANDIT AUTO SERVICE 0 607.08

27/10/2024 10145807137 Reversal of Fuel Surcharge - Offus 0 10.00 CR

T&C apply

ICICI Bank Rewards

Points Earned
384 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.

IMPORTANT MESSAGES
l Safe Banking Tips -
ICICI Bank Credit Card GST Number: 27AAACI1195H3ZK l Our registered office address: ICICI Bank Tower, Near Chakli Circle, Old Padra Road, Vadodara, 390 007.
HSN Code: 997113 Credit Granting Services including l Making only minimum payment every month can lead to repayment stretching over years with consequent interest payment on
stand-by commitment, guarantees & securities
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outstanding balance.
Statement period : October 21, 2024 to November 20, 2024
l Please pay your Credit Card outstanding before the payment due date to avoid penal fees and interest charges.
Place of supply: Uttar Pradesh
l For any clarification or more information, you may contact us through the ‘Get in Touch’ option at www.icicibank.com
State Code: 9
l Mark-up fee and corresponding GST levied is included in the transaction amount displayed.
l For RuPay/American Express/ Visa/Mastercard Credit Cards: Fuel surcharge and corresponding Goods and Services Tax (GST)
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: 1574201100274152 CIN No. L65190GJ1994PLC021012 Page 1 of 9

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

27/10/2024 10150635542 UPI-430104342556-RISHI KU MAR IN 11 550.00

27/10/2024 10158031584 VISHAL MEGA MART 10 534.00

29/10/2024 10159420690 FASTAG IMB 5 500.00

29/10/2024 10169959395 JALAN SERVICE STATION 0 202.00

31/10/2024 10169980834 Reversal of Fuel Surcharge - Offus 0 10.00 CR

29/10/2024 10174710607 PANDIT AUTO SERVICE 0 633.39

29/10/2024 10174710614 PANDIT AUTO SERVICE 0 10,118.00

01/11/2024 10174750278 Reversal of Fuel Surcharge - Offus 0 10.00 CR

01/11/2024 10174750280 Reversal of Fuel Surcharge - Offus 0 100.07 CR

01/11/2024 10175011351 INFINITY PAYMENT RECEIVED, THANK YOU 0 2,651.00 CR

01/11/2024 10177492782 UPI-430674061830-DEEPAK R EADYMADE GARM IN 13 680.00

01/11/2024 10178045060 Interest Amount Amortization - <3/9>IntellihealthSoluti 0 30.28

01/11/2024 10178045069 IGST-CI@18% 0 5.45

01/11/2024 10178045078 Principal Amount Amortization - <3/9>IntellihealthSoluti 0 275.64

01/11/2024 10178050548 Interest Amount Amortization - <3/9>DreamplugTechnologies 0 121.10

01/11/2024 10178050550 IGST-CI@18% 0 21.80

01/11/2024 10178050562 Principal Amount Amortization - <3/9>DreamplugTechnologies 0 1,102.51

01/11/2024 10178553044 Interest Amount Amortization - <3/9>UPI-458348046547-KALICHA 0 26.64

01/11/2024 10178553049 IGST-CI@18% 0 4.80

01/11/2024 10178553056 Principal Amount Amortization - <3/9>UPI-458348046547-KALICH 0 242.48

01/11/2024 10178622177 Interest Amount Amortization - <3/9>UPI-422999429464-GOVIND 0 23.68

01/11/2024 10178622180 IGST-CI@18% 0 4.26

01/11/2024 10178622192 Principal Amount Amortization - <3/9>UPI-422999429464-GOVIND 0 215.54

01/11/2024 10178733935 Interest Amount Amortization - <3/9>DreamPlug Technologies 0 60.67

01/11/2024 10178733939 IGST-CI@18% 0 10.92

01/11/2024 10178733951 Principal Amount Amortization - <3/9>DreamPlug Technologies 0 552.33

31/10/2024 10179332178 Reliance Retail Ltd 7 359.00

30/10/2024 10179344596 KHAN CHAND FILLING STA 0 731.53

02/11/2024 10179375623 Reversal of Fuel Surcharge - Offus 0 10.00 CR

04/11/2024 10191231567 INFINITY PAYMENT RECEIVED, THANK YOU 0 20,000.00 CR

05/11/2024 10195748354 UPI-431092580541-Vi IN 1 143.26

03/11/2024 10195785524 Reliance Retail Ltd 4 249.01

03/11/2024 10195815880 JALAN SERVICE STATION 0 202.00

05/11/2024 10195826243 Reversal of Fuel Surcharge - Offus 0 10.00 CR

03/11/2024 10201899436 PANDIT AUTO SERVICE 0 505.90

03/11/2024 10201899549 PANDIT AUTO SERVICE 0 646.54

06/11/2024 10201928036 Reversal of Fuel Surcharge - Offus 0 10.00 CR

06/11/2024 10201928383 Reversal of Fuel Surcharge - Offus 0 10.00 CR

06/11/2024 10203646746 UPI-431101829676-PANDIT A UTO SERVICE IN 0 535.00

07/11/2024 10210009165 UPI-467872052650-KALUA IN 1 75.00

07/11/2024 10211542784 UPI-431295404753-BHAGWAT PRASAD PYAREY IN 7 350.00

08/11/2024 10215338000 UPI-431399536134-RAM SARA N DASS BHARAT IN 9 480.00

07/11/2024 10217182442 IOAGPL 38 3,852.00

08/11/2024 10221387537 ABHISHEK SINGH 0 428.33

10/11/2024 10221423917 Reversal of Fuel Surcharge - Offus 0 10.00 CR

10/11/2024 10221726093 UPI-468115177562-PANDIT A UTO SERVICE IN 0 672.84

10/11/2024 10222753231 UPI-468135540394-Baby IN 3 150.00

11/11/2024 10229907431 UPI-431670748567-Taneja p rovision stor IN 4 210.00

11/11/2024 10229916993 UPI-468246942406-Taneja p rovision stor IN 0 25.00

10/11/2024 10231986107 FlipkartInternetPrivate 4 217.00

10/11/2024 10231995633 DREAMPLUGTECHNOLOGI 54 5,499.00

11/11/2024 10238746820 CHEQ DIGITAL PRIVATE LI 101 5,089.00

13/11/2024 10241280102 UPI Payment Received 0 4,000.00 CR

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12/11/2024 10242709743 ABHISHEK SINGH 0 427.99

14/11/2024 10242766543 Reversal of Fuel Surcharge - Offus 0 10.00 CR

#
International Spends

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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 01/09/2024 01/05/2025 9 10,230.00 6 7,341.65 1,223.61

EMI on Call 01/09/2024 01/05/2025 9 2,557.64 6 1,835.51 305.92

EMI on Call 01/09/2024 01/05/2025 9 5,125.00 6 3,677.99 613.00

EMI on Call 01/09/2024 01/05/2025 9 2,250.00 6 1,614.74 269.12

EMI on Call 01/09/2024 01/05/2025 9 2,000.00 6 1,435.32 239.22

*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 3 of 9
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 4 of 9
 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,
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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.
l Receive alerts from the Bank whenever information regarding your existing account is reported by the
Bank to the Credit Information Companies (CICs).

CICs will send alerts through SMS/ e-mail 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

Page 6 of 9
 9 GST on LPC 90
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