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					Terms and Conditions: Reduced rate of interest Definitions - For the purposes of these terms and conditions: 1. "Card" shall mean ICICI Bank Credit Card, which has been issued by ICICI Bank Limited ("ICICI Bank") and is valid and subsisting during the Program Period. 2. "Card Holder" shall mean such customer to whom a Card has been issued and who is authorized to hold the Card. 3. "Program Period" shall mean the period mentioned in the written communication sent to the Card Holder's mailing address. The Program Period shall vary from one Card Holder to the other between 3-12 months. 4. "Program" shall mean the reduced rate of interest that will be offered by ICICI Bank to its select Card Holders in place of the existing rate of interest. The low interest rate could be for Purchases or for Cash Withdrawals or for both, as specified by ICICI Bank in the written communication to the customer. 5. "Eligible Card Holder" shall mean a Card Holder who has received a written communication from ICICI Bank confirming that he is eligible for the Program. However, ICICI Bank reserves the right to offer the Program, at its sole discretion, to selected Card Holders only. 6. "Delinquent Account" means an account in which payment has not been made as specified in the Payment Clause in the Primary Terms and Conditions. Program 1.The reduced rate of interest applicable here is 1.25% per month (which is 15% per annum and 16.08% per annum compounded) in place of 3.40% per month (which is 40.8% per annum and 49.36% per annum compounded). This low interest is applicable for purchases only. 2.The Program is valid only for Eligible Card Holders and shall be valid and subsisting during the Program Period, unless otherwise notified by ICICI Bank. 3.ICICI Bank reserves the right to offer the Program to any Card Holder of its own choice and shall not be held liable to any Card Holder for not offering the same. 4.The low rate of interest communicated to the Card Holder shall continue to remain valid for all purchases that are done during the Program Period until they have been completely repaid. For all other transactions, not eligible under the Program Period, the regular rate of interest shall be applicable. 5.Cash Withdrawals made using the Credit Card, Personal loans availed by the Card Holder on the Credit Card, Balance Transfer (applicable to Credit Card) and EMI-onCall shall not be eligible for consideration under the Program. 6.The interest calculation methodology and the payment apportionment logic will continue to remain the same for all Eligible Card holders throughout the Program period. 7.This Program is applicable for the Primary Card Holder as well as the Add-on Card Holder. 8.In case the Card Holder is delinquent; he shall not be eligible for the Program.

Other Terms and Conditions 1.The participation in this Program is entirely voluntary and it is understood, that the participation by the Card Holder shall be deemed to have been made on a voluntary basis. 2.All disputes are subject to the exclusive jurisdiction of the competent courts/tribunals of Mumbai. 3.All communication / notices with regard to this Program should be addressed to "The Manager, ICICI Bank Limited, Correspondence Team, 5th Floor, Mohd Illyas Khan Estate, Road No. 1, Banjara Hills, Above Music World, Hyderabad 500034". 4.ICICI Bank may, at its sole discretion, utilize the services of external service provider/s or agent/s and on such terms as required or necessary, in relation to its products/services. 5.In all matters relating to the Program, the decision of ICICI Bank shall be final and binding in all respects. 6.The terms and conditions shall be in addition to and not in substitution / derogation to the Primary Terms and Conditions governing the Credit Card. 7.ICICI Bank reserves the right to modify/ change all or any of the terms applicable to the Program without assigning any reasons or without any prior intimation whatsoever. ICICI Bank also reserves the right to discontinue the Program without assigning any reasons or without any prior intimation whatsoever.