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ICICI Bank Debit Card
Today, usage of cash for transactions have come down drastically. This can be attributed to the introduction of plastic money (cards) and digital wallets. All risk involved in managing and transacting cash is pretty much eliminated. Introduction of Debit cards have definitely made life easier across the board. From dining to paying utility bills to purchases, everything can be done with just one debit card. Most banks offer many benefits to increase the usage of debit cards.
Features of ICICI Bank Debit Cards
ICICI Bank offers many privileges on its Debit card. One can be worry-free as you are not carrying hard cash all around. This keeps the entire financial transaction risk free. Some of the main features of the ICICI Bank debit card are:
- Money is available 24x7. There are no hassles of running to a bank/ATM to pull out cash
- Online transactions are made easier with the help of card payments. Online retailers more often than not tie-up with banks to offer special benefits on using their debit cards to make purchases.
- ICICI Bank debit cards can be used anywhere in the world. This is well-suited to travellers who often move out of the country and help them with financial needs.
- Depending on the type of card owned, shopping is made much easier as daily limits are flexible.
- One can pay utility bills through debit cards.
- Transactions can be tracked with the help of monthly statements or bank statements.
- Enhanced security ensure that fraudulent transactions do not steal money from your card.
- Reward points are earned while using the card for any transactions. This helps in redemption by way of gifts or discounts.
What are the various types of ICICI Bank Debit Card?
| Name of Debit Card | Annual Savings | Joining Benefits | Benefits | Monthly Fee | Joining Fee | Annual Fee |
|---|---|---|---|---|---|---|
| ICICI Bank Coral+International Debit Card | Up to Rs.35,000 | Get executive health check-up worth Rs 3,600 for just Rs 1,300 Kaya voucher worth Rs 1,000 Savaari cab rental voucher worth Rs 500 Central voucher worth Rs 500 (on minimum spend of Rs 2,500). Buy 1 Get 1 Free movie ticket offer from BookMyShow (first come first served basis), Carnival Cinemas and Inox | Get complimentary subscription to ICICI OLA SELECT program every year Get Rs 600 cashback on domestic flight bookings of Rs 4,000 and above on MakeMyTrip (one booking per month) Save minimum 15% off at leading restaurants across India under the Culinary Treats program Complimentary airport lounge access Complimentary Personal Accident, Air Accident and Purchase Protection Insurance 4 points per Rs 200 spent on domestic and international transactions | Rs.249/- plus 18% GST every month; Total fee payable for a year is Rs.2,988 plus 18% GST | NA | NA |
| ICICI Bank Sapphiro International Debit Card | Get annual savings up to Rs.30,000/-* on usage of your debit card | Get executive health check-up worth Rs 3,600 for just Rs 1,300 Kaya voucher worth Rs 1,000 Savaari cab rental voucher worth Rs 500 Central voucher worth Rs 500 (on minimum spend of Rs 2,500). | Buy 1 Get 1 Free movie ticket offer from BookMyShow (first come first served basis), Big Cinemas and Inox Movies Save minimum 15% off at leading restaurants across India under the Culinary Treats program Complimentary airport lounge access Card Protection Plan and Roadside Assistance plan, courtesy CPP Complimentary Personal Accident, Air Accident and Purchase Protection Insurance 4 points per Rs 200 spent on domestic and international transactions. | NA | Rs.1,999/- plus 18% GST (1st year) | Rs.1,499/- plus 18% GST (2nd year onwards) |
| ICICI Bank Rubyx International Debit Card | Get annual savings up to Rs.20,000/-* on usage of your debit card | Kaya voucher worth Rs 1,000 Savaari cab rental voucher worth Rs 500 Central voucher worth Rs 500 (on minimum spend of Rs 2,500). | Buy 1 Get 1 Free movie ticket offer from BookMyShow (first come first served basis), Big Cinemas and Inox Movies Save minimum 15% off at leading restaurants across India under the Culinary Treats program Complimentary airport lounge access Card Protection Plan, courtesy OneAssist Complimentary Personal Accident, Air Accident and Purchase Protection Insurance points per Rs 200 spent on domestic and international transactions. | NA | Rs.999/- plus 18% GST (1st year) | Rs.749/- plus 18% GST (2nd year onwards) |
| ICICI Bank Coral Paywave International Debit Card | Get annual savings up to Rs.10,000/-* on usage of your debit card | Kaya voucher worth Rs 1,000 Savaari cab rental voucher worth Rs 500 Central voucher worth Rs 500 (on minimum spend of Rs 2,500). | Buy 1 Get 1 Free movie ticket offer from BookMyShow (first come first served basis), Big Cinemas and Inox Movies Make contactless payment within seconds at NFC enables merchant terminals Save minimum 15% off at leading restaurants across India under the Culinary Treats program Complimentary airport lounge access Complimentary Personal Accident, Air Accident and Purchase Protection Insurance 4 points per Rs 200 spent on domestic and international transactions. | NA | Rs.599/- plus 18% GST (1st year) | Rs.599/- plus 18% GST (2nd year onwards |
| Expressions Debit Card | Rs. 4000/- | Will Lifestyle Voucher worth Rs. 500/- 1000 additional PAYBACK Bonus Points | Culinary Treats Dining Programme | Rs.499/- | Rs.499/- | |
| Expressions PayWave NFC | Rs.4000/- | Will Lifestyle Voucher worth Rs. 500/- | Culinary Treats Dining Programme NFC enabled Contact less Chip | Rs.499/- | Rs.499/- | |
| Expressions Coral | Rs. 16250/- | Will Lifestyle Voucher worth Rs. 500/- | 1+1 Bookmyshow.com Offer (2 movie tickets per month) 1+1 Big Cinema Offer (2 movie tickets per month) Culinary Treats Dining Programme | Rs.799/- | Rs.799/- |
Personal Debit Cards
| TYPE | TRANSACTION LIMIT (per day) | ONLINE TRANSACTION LIMIT (per day) | OTHER BENEFITS |
|---|---|---|---|
| ICICI Bank Visa Signature Debit Card | Rs.1.5 lac at ATM Rs.2.5 lac for purchases | Rs.2.5 lac | Zero fuel surcharge Payback points Insurance Zero liability protection SMS Alerts Itemized Billing |
| World Debit Card | Rs.1 lac at ATM Rs.2 lacs for purchases | Rs.2 lacs | Zero fuel surcharge Payback points Insurance Zero liability protection SMS Alerts Itemized Billing Complimentary airport lounge access |
| Titanium Family Debit Card | Rs.1 lac at ATM Rs.2 lacs for purchases | Rs.2 lacs | Zero fuel surcharge Payback points Insurance Zero liability protection SMS Alerts Itemized Billing Complimentary airport lounge access Buy 2 Get 2 Free at Bookmyshow.com Buy 1 Get 1 on cleartrip Birthday dining offer at Speciality restaurants 15% off dining 20% with Pizza Hut |
| Gold Family Debit Card | Rs.75000 at ATM Rs.1.25 lac for purchases | Rs.1.25 lac | Zero fuel surcharge Payback points Insurance Zero liability protection SMS Alerts Itemized Billing Complimentary airport lounge access Buy 2 Get 2 Free at Bookmyshow.com Buy 1 Get 1 on cleartrip Birthday dining offer at Speciality restaurants 15% off dining 20% with Pizza Hut |
| Platinum Chip Card | Rs.1 lac at ATM Rs.2 lacs for purchase | Rs.2 lacs | Zero fuel surcharge Payback points Insurance Zero liability protection SMS Alerts Itemized Billing |
| Titanium Debit Card | Rs.1 lac at ATM Rs.1.5 lac for purchase | Rs.1.5 lac | Zero fuel surcharge Payback points Insurance Zero liability protection SMS Alerts Itemized Billing |
| Woman’s Debit Card | Rs.50,000 at ATM Rs.1 lac for purchase | Rs.1 lac | Zero fuel surcharge Payback points Insurance Zero liability protection SMS Alerts Itemized Billing |
| Silver Debit Card | Rs.50,000 at ATM Rs.1 lac for purchase | Rs.1 lac | Zero fuel surcharge Payback points Insurance Zero liability protection SMS Alerts Itemized Billing |
| HPCL Debit Card | Rs.50,000 at ATM Rs.1 lac for purchase | Rs.1 lac | Zero fuel surcharge at select govt outlets Payback points Insurance Zero liability protection SMS Alerts Itemized Billing |
| Privilege Banking Gold Debit Card | Rs.75000 at ATM Rs.1.25 lac for purchases | Rs.1.25 lac | Visa Platinum privileges Zero fuel surcharge Payback points Insurance Zero liability protection SMS Alerts Itemized Billing |
| Gold Debit Card | Rs.75000 at ATM Rs.1.25 lac for purchases | Rs.1.25 lac | Visa Platinum privileges Zero fuel surcharge Payback points Insurance Zero liability protection SMS Alerts Itemized Billing |
| Smart Shopper Silver Debit Card | Rs.50000 at ATM Rs.1 lac for purchases | Rs.1 lac | Visa Platinum privileges Zero fuel surcharge Payback points Insurance Zero liability protection SMS Alerts Itemized Billing |
| NRE Debit Card | Rs.50000 at ATM Rs.1 lac for purchases | Rs.1 lac | Zero fuel surcharge Payback points Insurance Zero liability protection SMS Alerts Itemized Billing |
| NRO Debit Card | Rs.50000 at ATM Rs.1 lac for purchases | Rs.1 lac | Zero fuel surcharge Payback points Insurance Zero liability protection SMS Alerts Itemized Billing |
| Senior Citizen Gold Debit Card | Rs.75000 at ATM Rs.1.25 lac for purchases | Rs.1.25 lac | Zero fuel surcharge Payback points Insurance Zero liability protection SMS Alerts Itemized Billing |
| Senior Citizen Silver Debit Card | Rs.50000 at ATM Rs.1 lac for purchases | Rs.1 lac | Zero fuel surcharge Payback points Insurance Zero liability protection SMS Alerts Itemized Billing |
| Young Star Debit Card | Rs.5000 at ATM Rs.5000 for purchases | Rs.5000 | Payback points Insurance Zero liability protection SMS Alerts Itemized Billing |
ICICI Bank also offers a range of Unifare Debit Card which is a collaboration of benefits of a debit card and Metro Smart Card. The debit card can be used as a regular debit card as well as metro travel. This is available for Mumbai, Bangalore and Delhi.
How secure is the ICICI Bank Debit Card?
The ICICI Bank debit card has been secured with a 4-digit PIN that needs to be entered for all transactions at retail shops, ATMs and all online purchases. ICICI Bank offers complimentary insurance cover on its debit cards to protect the purchases made on the card as well as accident coverage. Online security of the card is taken care by a 6-digit number that has 3D secure PIN. This is a password for online transactions. ICICI Bank has a unique offering of Card Protection Plan (CPP) which can be used in case your card is lost or fraudulent transaction has taken place or an emergency situation. One just needs to report the loss of card to the CPP 24-hour helpline.
What is a Contactless Debit Card?
ICICI Bank offers a unique concept of debit card called as Contactless Debit card. This type of card has a chip and radio frequency antenna embedded. When this card is tapped on a card machine, the payment details are shared wirelessly, therefore eliminating the insertion of the card into the machine. The account details are communicated to the reader and the remaining process is the same as a normal debit card.
The holder of this card has the most secure form of transaction as the card does not physically leave the hands of the person. Thus, making this type of transaction more secure than the normal ones.
FAQs: ICICI Bank Debit Card
(1) What can be done if the contactless debit card is lost or stolen?
If your contactless debit card is stolen or lost, immediately report it to the bank through internet banking, customer care, immobile or by visiting the bank personally.
(2) How does one know that the transaction has been successful in a contactless debit card transaction?
The merchant will generate a charge-slip for the payment made. And hence, the cardholder can get to know if the transaction is successful or not.
(3) Is there any fee on using my debit card for retail or online transactions?
No. there is no fee applied for using the debit card for retail or online purchases. However, certain merchants like railways or fuel stations may charge a small fee for using debit card.
(4) What happens if my debit card is not working?
You must reach out to the 24x7 customer care and inform about the issue.
(5) Can I change the limits on my debit card?
Yes, this can be done through online banking or by directly contacting the branch. You can request the change in withdrawal limits or daily cash limit. A service request gets raised and the limits are changed within 24 hours.
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