Icici credit card reward error

[Houseteam]

Hie please help icici credit card reward points pe redeem now pw click krte hi aa raha you may not be able to access this site error please help is anyone facing this issue and how did you guys solve please reply

 

[Nimeesh]

Yes , getting this exact same error message

 

[Aquib9956]

Same problem here too.

 

[Aquib9956]

Yes , getting this exact same error message

I called them today ,they said that your reward points has been blocked and are under review.

 

[vikkyplzz]

Anyone able to redeem icici bank reward point?

 

[rahulrao888]

mera aisa show ho rh he kya krun loss ho gya mera 180000 reward points tha kvi vi redeem nhin kiya tha pls help now this type showing (
Your reward points could not be found. Refresh to reload your points!

refresh)

 

[sadmisiraj]

“Reward points are blocked due to commercial / business usage.”


Here’s the real reason it happens:

---

1. ICICI tracks unusual transaction patterns​

ICICI monitors reward abuse. Your account gets flagged if you:

• Make many small transactions mainly to collect offers
• Use the card repeatedly on the same merchant
• Do high-volume transactions in a short time
• Share your card with friends/family who transact from different devices or locations

Even if you were not doing business, the pattern looks like commercial activity to their system.

---

2. Reward block happens at the Customer ID level — not card level​

This is the part most people misunderstand.


When ICICI flags commercial usage:


❌ They do not block only one card
❌ They do not unblock the reward points if you get a new card


✔️ They block the entire reward engine linked to your Customer ID


That means:

• All your existing cards
• All future ICICI cards you get
  → will NOT earn reward points until ICICI manually removes the block.

So replacing the card, upgrading, or getting a new one won’t fix the issue.

---

3. Why ICICI considers it a loss​

If you generate a high amount of reward points quickly, ICICI sees it as:

• unsustainable for them financially
• not normal retail spending behaviour

So they classify it as “commercial usage,” even if you just gave your card to friends to make online purchases.

 

[Arnal07]

“Reward points are blocked due to commercial / business usage.”


Here’s the real reason it happens:

---

1. ICICI tracks unusual transaction patterns​

ICICI monitors reward abuse. Your account gets flagged if you:

• Make many small transactions mainly to collect offers
• Use the card repeatedly on the same merchant
• Do high-volume transactions in a short time
• Share your card with friends/family who transact from different devices or locations

Even if you were not doing business, the pattern looks like commercial activity to their system.

---

2. Reward block happens at the Customer ID level — not card level​

This is the part most people misunderstand.


When ICICI flags commercial usage:


❌ They do not block only one card
❌ They do not unblock the reward points if you get a new card


✔️ They block the entire reward engine linked to your Customer ID


That means:

• All your existing cards
• All future ICICI cards you get
  → will NOT earn reward points until ICICI manually removes the block.

So replacing the card, upgrading, or getting a new one won’t fix the issue.

---

3. Why ICICI considers it a loss​

If you generate a high amount of reward points quickly, ICICI sees it as:

• unsustainable for them financially
• not normal retail spending behaviour

So they classify it as “commercial usage,” even if you just gave your card to friends to make online purchases.

icici bank is becoming so unreliable these days.