Your Credit Card Statement for the period 09-FEB-2010 to 08-MAR-2010

Dear MR K GOVARDHAN KINI, Please find enclosed your account statement in a new and improved format. To view the statement, you require an 8-character password. The first four letters of your password are the first 4 letters of your name as displayed on your credit card followed by your date and month of birth (in DDMM format). The password is case sensitive (lowercase). Please make sure that you do not include any special characters or spaces. For example, if the name on your credit card is Sujit Sawant and your date of birth is January 05,1950, then your password will be suji0501. If the name on your Credit Card is Dr. Raj Sinha and your date of birth is January 05,1950, then your password will be drra0501. Please note that you will not be able to open this file or view the file properly with any version lower than Adobe Acrobat Reader 6.0. If you do not have Adobe Acrobat Reader, we request you to please paste the following URL http://get.adobe.com/reader/ to download the free version.
IMPORTANT MESSAGES
Please register your ICICI Bank Credit Card for 3D secure to safeguard against online frauds. If you have more than one ICICI Bank Credit Card, each card must be registered individually. Every replaced/upgraded credit card must be registered afresh for 3D secure. For details, visit www.icicibank.com.
HOW TO MAKE YOUR PAYMENT
	Making payments for your ICICI Bank Credit Cards is really simple. All you have to do is to choose one of the following easy methods:
	Internet:
	For online payment if you have an ICICI Bank Savings Account - Go to ICICIBank.com and transfer funds from your savings account to credit card account using our Bill Pay facility. For online payment if you do not have an ICICI Bank Savings Account -
	a) Go to ICICIBank.com > Personal banking > Cards>> Click to Pay and transfer funds from your other banks' saving account to your ICICI Bank credit card account using our Click to Pay facility. b) Pay your ICICI Bank card dues from any of your non-ICICI-Bank savings accounts also through net banking if your bank has enabled the NEFT facility. Use Transaction Code 52 and IFS code ICIC0000103 for ICICI Bank as the destination bank.
	Cheque/Draft:
	Make out a cheque/draft on a local bank and drop it into one of the collection boxes conveniently placed at our ICICI Bank branches / ATMs / Skypak drop boxes in your neighbourhood. The cheque/draft should be payable to " ICICI Bank Credit Card XXXX XXXX XXXX XXXX ". Please ensure you drop your cheques 4 days prior to the due date so as to have the payment processed by the due date.
	Auto-debit:
	If the card member holds a savings account with ICICI Bank, he/she may pay by giving a written instruction to debit from such an account every month on the payment due date. In case the payment due date falls on a sunday or a holiday, the amount would be debited on the next working day.
	Cash:
	The card member may deposit cash at any of ICICI Bank's branches towards his/her Card payment. Payments by cash at branches would attract a fee of Rs. 100.
Discover a new way of paying your Credit Card bills from your bank account anytime anywhere by using ICICI Bank iMobile. GPRS users, SMS iMobile to 56767661. For details, Go to ICICIBank.com > Personal banking > Cards>> iMobile.
	Please note: If the Card Member fails to pay the Minimum Amount Due by the date indicated in the billing statement, it shall be treated as default. In case of default, the Bank can forward the default report to the Credit Information Bureaus or to such other agencies as approved by law. The time period between the payment due date and the billing date indicated on the billing statement is considered as the notice period for reporting a Card Member as a defaulter. If you have a query or need any clarification you may: (1) Log in to your account online and write to us through Accounts Manager (2) Visit the 'Email Us' link at www.icicibank.com to send us an e-mail or (3) Call our 24-hour Customer Care We look forward to more opportunities to be of service to you.

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a) To view, Terms and Conditions, Go to ICICIBank.com > Terms & Conditions > Credit Cards
b) To view, Most Important Terms and Conditions, Go to ICICIBank.com > Personal banking > Cards> Credit cards > Most Important Terms & Conditions

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