ICICI Credit Card — Annual Report

Anoop Sharma  ·  Cards ••3030 & ••1008  ·  Apr 2025 – Mar 2026

FY 2025–26
Total Spent
₹9.03L
₹9,02,958 across 325 purchases
Total Paid
₹8.75L
Auto-debit + Net banking
Total Refunds
₹79,683
Merchant refunds + cashbacks
Avg. Transaction
₹2,773
Highest: ₹95,000 on 06-Mar-26
Total Transactions
413
5 types incl. fees & reversals
Peak Month
Aug 2025
₹2,69,667 — college fees surge
Monthly spending trend
₹ spent per month — hover for details
Monthly spending data: April 155909, May 80940, June 36032, July 32621, August 269666, September 98107, October 23935, November 20079, December 17208, January 27493, February 15183, March 125779.
Spending by category
Share of total ₹9.03 lakh
Education 42.9% Fuel 10.8% Electronics 8.6% Healthcare 5.8% Govt 5.8% Travel 5.4% Others 20.7%
Category breakdown: Education 387335, Fuel 97103, Electronics 77998, Healthcare 52674, Government 52107, Travel 48395, Utilities 41967, E-Commerce 35440, Food 28297, Others 81641.
Category breakdown
Amount spent per category
Education₹3,87,335  ·  42.9%
Fuel & Transport₹97,103  ·  10.8%
Electronics & Gadgets₹77,998  ·  8.6%
Healthcare₹52,674  ·  5.8%
Government Services₹52,107  ·  5.8%
Travel & Hotels₹48,395  ·  5.4%
Utility Bills & Telecom₹41,967  ·  4.6%
E-Commerce & Shopping₹35,440  ·  3.9%
Food & Dining₹28,297  ·  3.1%
Others (Insurance, Apparel…)₹81,641  ·  9.0%
Top 10 merchants by spend
Ranked by total ₹ spent this year
# Merchant Txns Amount
1GLA University Edu4₹1,82,500
2Shri Jagannath Prakashan Edu3₹1,80,000
3Lenovo India Tech1₹67,450
4Nideshak Ayurvedic Health2₹52,675
5TPTUPCREDITCARD (UP Govt) Govt1₹50,590
6IRCTC / Indian Railways Travel63₹45,104
7MS Tara Filling Center Fuel12₹22,867
8Torrent Power / Gas Utility11₹22,269
9National Commission Edu1₹21,223
10Flipkart E-Com16₹20,956
Top merchants chart
₹ value comparison (top 6)
Top merchants: GLA University 182500, Shri Jagannath 180000, Lenovo 67450, Nideshak 52675, UP Govt 50590, IRCTC 45104.
Alerts & key observations
⚠️
Auto-debit bounced — 30 Nov 2025
Card 3030 auto-debit failed due to insufficient balance in linked savings account. No penalty noted, but ensure adequate balance before due dates to avoid late fees.
🔍
Nideshak Ayurvedic — ₹52,675 charged, ₹50,000 refunded same day
Possible billing dispute or overcharge. Net cost was ₹2,675. Verify the original invoice with the merchant to confirm correctness.
📋
National Commission — ₹21,223 charged, ₹20,000 refunded after 6 months
Exam-fee adjustment or partial cancellation. Net cost ₹1,223. Keep the challan/acknowledgment for records.
🚆
IRCTC — 63 transactions across 1 year (most frequent merchant)
Multiple IRCTC bookings on the same dates (01-Jul, 04-Jul). Verify distinct PNR numbers to rule out accidental duplicate bookings — up to ₹2,925 at risk.
💰
₹710 earned via fuel surcharge waivers (48 transactions)
Super Saver benefit applied consistently throughout the year. Annual fee + GST also reversed for Year 1 (₹590 saved). Total credits received: ₹79,683.
🛒
Flipkart — high return rate (5 refunds totalling ₹7,161)
Check product quality or description accuracy before ordering. Consider reviewing order history to identify patterns in returned categories.
Transaction frequency
Monthly transaction count
Number of transactions each month
Transaction counts: April 45, May 28, June 28, July 31, August 33, September 36, October 23, November 22, December 17, January 18, February 16, March 33.