What happens if I pay only the minimu… — Credit Card Q&A

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Hari Mangar

I've been a customer for 6 years. The biggest upside is the customer service. The biggest downside is the slow mobile app. If you do most banking on the app, test the app at a branch before applying — it's surprisingly old.

Honestly, the annual fee is on the higher side. But if you spend consistently on the accelerated categories, the cashback more than offsets it. I did the maths on my own statement last year and came out ahead by about ₹3,200.

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I cannot pay the full outstanding amount this month. What are the financial consequences if I pay only the minimum due on my ICICI Bank credit card?

What happens if I pay only the minimum amount due on my credit card?

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