Please don’t take icici bank even it offered free to you for life, we use card if we want to pay bank cash for the same amount 100 + penalty will be charged on you as you use cheque to pay your outstanding if you delayed you will be charged penalty at 20% and more and clarification will be given to you even if you have giving your outstanding before time but timely penalty you have to pay with out any option. Once you call call centre no one is aware what to do unnecessary you will spend time explaining same thing to 10 different people.
BEST ADVICE : Don’t fall in the trap of ICICI Bank Card or any other bank.