Terms & Conditions


  • “Customer” shall mean only the existing retail customers of ICICI Bank Limited(“ICICI Bank”)
  • “Quiz” shall mean 'What’s Your Saving?' quiz organized by ICICI Bank.
  • “Participant/s” shall mean all the Customers who have registered and taken part in the quiz.
  • “Programme Partner” shall mean the sponsoring partner of the programme
  • “Terms and Conditions” shall mean these terms and conditions, as applicable to the programme.
  • “Website” shall mean www.whatsyoursaving.com
  • “Winner’ shall mean a Participant who is declared the winner of the Quiz by ICICI Bank
  • “Winner” for the purpose of this quiz shall not include any ICICI Bank employee and his/her immediate Family. 

Eligibility of Participant

The participant will be eligible for quiz rewards, only if he/she is an existing ICICI Bank Value Banking, Privilege Banking or Wealth management customer, and has a registered mobile number and e-mail ID with the bank.

Data Privacy:

Entrants agree that personal data, especially name and address, may be processed, shared and otherwise used for the purposes and within the context of the Quiz and any other purposes outlined in these Official Rules. The data may also be used by the Sponsor in order to verify the participant's identity, postal address, and telephone number or to otherwise verify the participant's eligibility to participate in the Quiz.

Winning Criteria:

The winners will be based on the accuracy of their answer in shortest time regarding the calculation of Home Loan savings amount. Customer has to first calculate his/her total Home Loan payment as per the terms of his/her existing loan, and then calculate the total EMI loan amount @ 8.35% p.a. (if the home loan amount is less than or equal to 30 lacs),or EMI Loan amount @ 8.65% ( if the loan amount is more than 30 lacs), other conditions remaining the same. The difference in these two amounts is the customer’s savings, which has to be entered in the Saving field.

The customer who mentions the accurate savings amount, in the least time will be declared the winner(s). An example is given below:

Outstanding loan amount: ₹ 30,00,000
Remaining loan tenure: 15 years
Existing ROI: 9.25% p.a.
Total Home Loan payment for the loan as per above inputs: EMI per month *  No of remaining tenure years
Payout of the loan at 8.35% p.a.: ₹ 52,70,220

Total saving will therefore be: ₹ 2,84,418

Case 1:

In the event of a tie, wherein 2 participants have mentioned accurate savings but the time taken to answer is different, then the participant who has accurately calculated in the shortest duration would be declared as the Winner.

Case 2:

In the event of a tie, wherein both the participants have mentioned accurate savings in the same duration, then the participant who has participated first will be declared as the Winner.

Winners will be chosen and declared every few days of the Programme Period. The decision taken by ICICI Bank in this regard shall be final and binding.

Quiz Instructions

  • This is a time bound quiz.
  • Only one attempt is allowed for the Participant.
  • Only the first attempt of the Participant will be considered.
  • Using the EMI calculator, the participant will need to calculate the total Home Loan EMI amount for his/her existing loan (based on outstanding loan amount, remaining tenure and existing rate of Home Loan interest entered to take the quiz), and then calculate the Home Loan EMI amount if he/she transfers the loan@ 8.35% p.a. rate of interest (if the outstanding home loan amount is less than or equal to 30 lacs),or Loan@ 8.65%p.a. rate of interest ( if the home loan amount is more than 30 lacs). The difference in these two amounts will be his/her saving – positive or negative value.
  • The time taken to input outstanding loan amount, rate of interest and remaining tenure on the Participant’s existing loan will also be considered under the total time taken to complete the quiz
  • The Participant  will be eligible for the reward only if his/her home loan terms as per the current home loan account statement matches with the values mentioned in the quiz with a maximum deviation 25%. The participant will need to produce the current home loan statement to ICICI Bank for verification. Failing which, the Participant  will not be eligible for the reward.
  • To participate in the quiz and to register your savings for the quiz, click on submit button after you have entered your total savings amount on home loan.
  • Post successful submission, a message will confirm that the system has captured the answer of the participant and the time taken to complete the quiz.

Quiz Rewards:

  • Winners will be identified as per the correct answer given in the least time and they will be eligible to winning an iPhone.
  • The rewards are non-transferable and no cash alternative is available.
  • All the Participants will be eligible for the participation rewards excluding employees of ICICI Bank and their immediate family members.
  • All the participants eligible for the participation reward will be given discount vouchers and they can redeem the vouchers till the expiry date mentioned on the voucher.
  • The winners for the quiz will be declared within 90 days after the completion of the quiz and the rewards will be sent to them on their registered address within 120 days after completion of the quiz
  • Non-compliance or return of rewards notification as undeliverable, whether by regular mail or by e-mail, may result in disqualification and selection of an alternate potential winner.
  • If a reward (or part of a reward) is unavailable, the Programme Partner , in its discretion, reserves the right to substitute the original reward (or that part of the reward) with an alternative rewards to the equal monetary value and/or specification, unless  doing so would be prohibited by law.
  • No substitutions or exchange of the gift offer / rewards, other than what is detailed in the communication sent to the Winner shall be allowed. However, ICICI Bank reserves the right to substitute and/or change the gift offer / rewards or any of them on account of non-availability of gift offer / rewards, without any intimation or notice, written or otherwise to the winner. 
  • All images/visuals of the gift offer / rewards in the communications are indicative only.
  • The winners that have already won in What'​s Your Saving are not eligible to win again in What'​s Your Saving. However their family members can participate and win in the contest.
  • The winners will be decided on the basis of the correct saving amount and best timing submitted every 2 days of the contest.
  • At the end of the contest 15 winners will be declared basis on eligibility of Home Loan Statements.

Third Party Sites and Hyperlinks:

We sometimes provide hyperlinks and/or advertisements to other websites that are not owned or controlled by us. Please note that this privacy policy only applies to the personal information that we collect through the Website and we cannot be responsible for personal information that third parties collect, store and use through their website. You should always read the privacy policy of each website you visit.

Disclosure of Your information:

We may share the information we collect among our affiliated companies at home and abroad including our partners, joint ventures and with any future owners of the Website.

We may from time to time employ other companies and individuals to carry out functions on our behalf including delivering services, sending mail, providing marketing assistance, analysing data, providing customer service and for accounting and invoicing purposes. In order to carry out their functions these companies and individuals may require access to your personal information but we shall only disclose such relevant personal information as is needed by them to perform their functions.

Where requested to do so, we may co-operate with any court, tribunal, regulatory body, police authority or other similar authority in any investigations or proceedings concerning you or your use of the Website. This may include disclosing information about communications transmitted via the services to the authorities where required.

Whilst we take measures to safeguard the personal information that you provide to us, no transmission over the Internet can ever be guaranteed secure. Consequently, please note that we cannot guarantee the security of any personal information that you transfer to us over the Internet. Such information will include the following:

  • The information provided by you on registration, such as your Pin-code, registered e-mail ID with ICICI Bank, registered mobile number with ICICI Bank 
  • Information we learn about you from your use of the Website and Content and Services offered by us 
  • Information you provide when giving us feedback.

For what purposes do we use the information we collect?
We use personal information collected from you for the following purposes:

  • To provide our Content and Services
  • To improve and personalise Programme Website, Content and Services
  • To research our Website, Content and Services
  • To ensure that the Services and Content are relevant to you 
  • To deliver and provide you with Our Content or Services 
  • To carry out auditing, research and analysis in order to maintain, protect and enhance the Content or the Services we provide

We may also monitor your usage of the Programme Website, and Content or Services you receive, request or provide when using the Website for the purposes of quality control.

Changes to Our Privacy Policy:

We reserve the right to make changes to this privacy policy without prior notice. You should continue to check this privacy policy for updates and amendments, as you will be deemed to have accepted any changes if you continue to use the Website after they have been posted.

Other Terms and Conditions

  • The ICICI Bank’s home loan rate of interest @ 8.35%p.a. & 8.65% p.a. mentioned on the program website is indicative only. The actual rate of interest may differ from case to case basis as per ICICI Bank’s policy.
  • The participation in the Quiz is entirely voluntary and it is understood, that the participation in the Quiz by the Participants shall be deemed to have been made on a voluntary basis
  • ICICI Bank holds out no warranty or makes no representation about the quality, usefulness, worthiness, delivery or otherwise of the goods and services or the gift offer / rewards offered by the Quiz Partner
  • Any tax or other liabilities or charges payable to the government or any other statutory authority/body or any participating establishment, which may arise or accrue to the Winner due to provision of the gift offer / Rewards, shall be to the sole account of the Winner. Tax deducted at source, if any, on the monetary value of the gift offer / rewards shall be payable by the Winner
  • ICICI Bank reserves the right to disqualify the Partner/s or the Winner from the benefits of the quiz if any fraudulent activity is identified as being carried out for the purpose of availing the gift offer/rewards under the Quiz or otherwise by participating in the Quiz 
  • The Quiz is not available wherever prohibited and / or on merchandise / products / services for which such quiz cannot be offered for any reason whatsoever
  • ICICI Bank shall not be liable in any manner whatsoever for any loss/ damage/ claim that may arise out of use or otherwise of any goods/ services / gift offer / rewards availed by the Winner under the quiz offered by the Partner 
  • ICICI Bank shall not be held liable for any delay or loss that may be caused in delivery of the goods and services or the gift offer / rewards
  • All issues / queries / complaints / grievances relating to the gift offer / rewards, if any, shall be addressed to the Programme Partner directly without any reference to ICICI Bank. The same shall be addressed by the Programme Partner, only up to a period of 30 days after the date of receipt 
  • The existence of a dispute, if any, regarding the gift offer / rewards shall not constitute a claim against ICICI Bank and shall be addressed directly by the Programme Partner
  • In all matters relating to the Quiz, the decision of ICICI Bank shall be final and binding in all respects 
  • ICICI Bank /Programme Partner reserve the right to modify / change all or any of the terms applicable to the Gift Offer / Rewards without assigning any reasons or without any prior intimation whatsoever. ICICI Bank also reserves the right to discontinue the Gift Offer / Rewards or Quiz without assigning any reasons or without any prior intimation whatsoever
  • The Gift Offer / rewards is sponsored by the Partner and the Winner shall be bound by the terms and conditions stipulated by the Partner in this regard
  • These terms and conditions shall be in addition to and not in substitution / derogation to the Primary Terms and Conditions. All capitalized terms used but not defined herein shall have the respective meanings ascribed to it in the Primary Terms and Conditions
  • ICICI Bank reserves the right to modify / change all or any of the terms applicable to the Quiz without assigning any reasons or without any prior intimation whatsoever. ICICI Bank also reserves the right to discontinue the quiz without assigning any reasons or without any prior intimation whatsoever.

Partners Terms & Conditions

Myntra Terms & Conditions:

  • Get Rs 250 off on the Myntra App on spends of INR 999 or more valid till 30th June 2018
  • Valid only on a selected catalogue for ICICI customers
  • The unique voucher code will be sent to the customer's registered email ID. 
  • The unique code can be used only once per Customer
  • Maximum discounts, ie, product discount and coupon discount, are subjected to product level cap enforced by seller
  • This offer is not valid on Cash on Delivery orders on Myntra
  • This offer is not valid at any of the alliance partner retail outlets/stores
  • Multiple coupons cannot be clubbed in a single order
  • The balance amount, after the discount is availed, will have to be paid by the customer at the time of purchase
  • In no case, whatsoever, can the discount amount be refunded, encashed or partly encashed
  • Myntra's Return and Exchange Policy offers you the option to return or exchange items purchased on Myntra's application within 30 days of the receipt. In case of return of the purchased item, please refer to the “Return Policy” on the website/ app or write to returns@myntra.com
  • All orders would be subject to availability at the time of purchase and will be governed by the standard terms and conditions listed on the App
  • All disputes arising out of or in connection to this scheme are subject to exclusive jurisdiction of the courts in Bangalore only
  • Disclaimers: Company is not responsible for any typographical error leading to an invalid coupon


Harissons Terms & Conditions:

  • The offer can be availed only on transactions done using an ICICI Bank Credit / Debit / Prepaid Card, Net banking.
  • Under this offer, using the promo code cardholder will get the desired discount on purchases made at www.harissonsbags.com
  • Offer will be valid till July 31, 2018
  • No two offers can be clubbed together
  • Promo Code needs to be applied at the time of check out to avail the discount on purchases made only at www.harissonsbags.com.
  • Any taxes or liabilities or charges payable to the Government or any other authority or body, if any, shall be borne directly by the cardholder and/ or billed to the account of the cardholder.
  • The offer cannot be clubbed with other promotions or offer or any voucher that a customer might have received from Harissons Bags or ICICI Bank.
  • Multiple coupons cannot be clubbed together in a single transaction
  • All standard Terms & Conditions available at www.harissonsbags.com will apply.
  • The offer can be availed multiple times during the offer period.
  • The offer is non-binding, non-encashable and non-negotiable.
  • Any dispute regarding delivery, service, suitability, merchantability, availability or quality of the offer/or product/services availed under this offer must be addressed in writing, by the cardholder directly to Harissons Bags at customercare@harissonsbags.com. For assistance, cardholder can also call on 07045698257. ICICI bank will not be liable for the same.
  • Any dispute relating to the offer will be settled under the sole and exclusive jurisdiction of Mumbai courts only.


Crocs Terms & Conditions:

  • Valid only on www.shopcrocs.in
  • Valid only on non-discounted products
  • The offer can be availed only once per user (email id).
  • Offer will be valid till July 31, 2018
  • No two offers can be clubbed together
  • All standard Terms & Conditions available on www.shopcrocs.in will apply.
  • The offer is non-binding, non-encashable and non-negotiable.
  • Offer is not valid on Cash on Delivery orders
  • All disputes arising out of or in connection to this scheme are subject to exclusive jurisdiction of the courts in Mumbai only

ICICI Bank Home Loan rate is indicative and it may vary from case to case basis.