iMobile: Loan, Cards & Banking

ICICI Bank Ltd.

About this app

iMobile is ICICI Bank’s official Mobile Banking app that offers 400+ banking services.

It is accessible to both ICICI Bank customers & non-ICICI Bank customers for availing Loans, managing Savings Accounts, transferring funds, managing Cards, and investments. iMobile brings the power of Net Banking to your fingertips!

iMobile offers:

📍Instant Loans such as Personal Loans, Home Loans, Car Loans and more
📍Online Digital Savings Account
📍Apply for Credit Cards
📍Open Fixed Deposits(FDs), Recurring Deposits (RDs) or iWish Deposits
📍Scan QR Codes for easy UPI Payments
📍Hassle- free utility & electricity bill payments
📍Instant online mobile recharge, DTH service, and FASTag recharge.
📍Flight, train, and hotels bookings

With iMobile, you can enjoy the following benefits:

✔ Get Instant RuPay credit cards:

RuPay Credit Card provide instant access to RuPay benefits, allowing seamless payments and UPI transactions.

✔ Manage multiple cards:

Through iMobile, you can manage multiple Cards such as Debit cards, Credit Cards, and Forex Cards. You can also pay Credit Card bills for other banks, by scheduling reminders for due dates.

✔ Investment made simple:

iMobile offers a hassle-free solution for investing and stock marketing. You can also invest in various Mutual Fund schemes, without opening a Demat Account.

✔ iScore & Discover:

Use the 'Discover' feature on iMobile to review your income and expenses. The 'Budget' feature helps you create and manage a budget, allowing you to practice financial discipline.

✔ iFinance: All your bank accounts at one place:

With iFinance, experience a new and innovative way to view all your Bank Accounts in one place. Review your income and expenses, easily.

✔ Unlock your rewards & personalized offers:

Earn Reward Points and avail of exclusive offers by conducting transactions or paying utility bills through your Credit Card.

✔ Customized notification:

Get updates regarding your bills, Cards, Loans, Bank Accounts and more.

✔ SmartLock:

Control access to banking services such as Net Banking, UPI, and Credit and Debit Cards in one swipe.

✔ Global UPI:

NRI customers can conduct UPI payments with their international mobile number.

✔ Chatbot assistance:

Enjoy 24x7 chatbot assistance with iPal.

Personal Loan highlights:

● Loan Amount: Min (₹25,000/-) to Max (as per the eligibility)*.
● Repayment Tenure: 12 months to 72 months*.
● Rate of Interest starting from 10.80% p.a.p.m*
● Processing Fees starting from Rs. 3,999*

For Example: For an amount of ₹5 Lakh borrowed at an Interest Rate of 11.00% for 60 months, the payable amount would be : ₹10,817 p.m.

The total amount to be repaid after 5 years will be ₹ 6,52,273/- out of which the interest amount would be ₹1,52,273/-

*Note: Terms and Conditions apply.

Other offerings by ICICI’s iMobile : Forex Prepaid Cards, Companion Cards, SIPs, IPO Applications, Tap to Pay, Scan to Pay, Pay to Contact, PPF(Public Provident Fund), NPS(National Pension System), Gold Loan, Sovereign Gold Bonds, Term Life Insurance, Cancer Cover, Health/Travel/Motor Cover, 24 hours Top Up, PayLater.

Instant Loans: Home Loan Balance Transfer, Education Loan, Loan against Property, Commercial Property Loan, Consumer EMI, Consumer EMI, Home Loan Overdraft, Insta FlexiCash Loan, Personal Loan on Credit Card.

For any feedback, queries or issues pertaining to iMobile App, please write to [e-mail]

Ratings and reviews

When I tried to make credit card payment in the app, it showed an error saying couldn't make the payment, try again later. Tried several times but the same error showed up. After some days, I was charged late fee and GST for the late fee. I still couldn't make the payment in the app. I am able to make the payment on the Website. Very frustrating. I will cancel my credit card and delete the app.

I had a 5 star rating last year. Now I wash, I could go 0. I couldn't login, it was always giving an error, I tried to uninstall and install. Installation is almost impossible to get it working. Always failed to go past SIM verification ( US phone). Somehow one day it went past that and I could see my account. App worked only that day, since then I couldn't log back in. Always getting an error your transaction could not be processed, please try again later. Trying for few days and it never works

this app feels like a maze. at least 3 different ways it shows the same information. 3 different ways to get to it. blinking icons like it is 1990s. icici cannot figure out if I have had a transaction, so keeps sending threatening email of account closure. keeps spamming related to kyc. but cannot update kyc on the app. I am surprised I have not lost my money.

What's new

1. Experience revamped Services journey on iMobile.
2. Experience new & intuitive offers & rewards journey with enhanced features.
3. Experience smarter Accounts & Deposits management with upgraded features.
4. Experience enhanced Cards & Forex journey with better controls.
5. Try new features in UPI - superfast UPI LITE, link other bank accounts/Rupay CC.
6. Two PINs, two purposes - 1) iMobile login PIN for login 2) UPI PIN for UPI Payments.
7. Bug Fixes & improvements.