ICICI Debit Card
ICICI Bank, a subsidiary of ICICI Limited, a private sector lender which was set up in the year 1994 and it was the first bank to be listed on the NYSE (New York Stock Exchange).
ICICI Bank offers their customers multiple types of debit cards depending on the type and requirements of the user. Here are more about different types of ICICI Bank debit cards and other details related to these cards.
Top ICICI Debit Cards in India for 2025
After comparing with all the cards our financial department has finalized the list of Best 6 ICICI Bank Debit Cards provided by bank:
- Smart Shopper Silver Debit Card
- ICICI Bank Smart Shopper Gold Debit Card
- ICICI Bank HPCL Debit Card
- ICICI Bank Expressions Paywave NFC Card
- ICICI Bank Indian Rupee Travel Card
Features and Benefits of ICICI Bank Debit Card
The following are some of the significant features and benefits of ICICI Bank Debit Cards:
- Help track regular expenses by sending SMS alert
- Ensures secured transactions by sending OTP and through the chip provided on the card
- Offers high transaction limits for online and offline purchases
- Offers attractive discounts on travel, dinning, entertainment, shopping, and on other selected transactions
- Provides insurance coverage
- Offers withdrawal facility anywhere in the world
ICICI Debit Card Types and Charges
1) ICICI Gemstone Debit Cards
The following are the highlights of the ICICI Gemstone Debit Card:
Features | Details |
Daily Spending Limit | Retail Domestic: Rs.1 lakh Online Domestic: Rs.5 lakh, Retail International: Rs.2 lakh Online International: Rs.2 lakh |
Reward |
|
Other Benefits | Complimentary airport lounge access |
Joining Benefits |
|
Types of ICICI Gemstone Debit Card
Debit card type | Features | Joining fee | Monthly fee | Annual fee |
| Rs.1,999 + 18% GST | Nil | Rs.1,499 + 18% GST | |
| Rs.999 + 18% GST | Nil | Rs.749 + 18% GST | |
| Rs.250 + GST | Rs.249 + GST | Rs.499 + GST | |
Coral Paywave Contactless Debit Card |
| Rs.599 + 18% GST | Nil | Rs.599 + 18% GST Re-issuance charge: Rs.200 + GST |
2) Expressions Debit Cards
Features | Details |
Daily Spending Limit | Domestic: Rs.1.25 lakh to Rs.7.5 lakh, International: Rs.2 lakh |
Reward | Offers dinning offers under ICICI Culinary Treat programZero surcharge on fuel purchase at selected petrol pumpsReward points on domestic and international transactions |
Other Benefits | Complimentary airport lounge access on minimum spends of Rs.3,000 |
Types of Expression Debit Cards
The following is the list of debit cards under ICICI Expression Debit card category:
Debit card types | Features | Joining Fee | Annual Fee |
| Rs. 499 + Service Tax | Rs. 499 + Service Tax (From 2nd year) | |
Expressions Sapphiro Debit Card |
| Rs. 499/- (Plus 18% GST) | Rs. 499 + GST |
Expressions DMRC Debit Card |
| Contact bank to know more | Contact bank to know more |
| Contact bank to know more | Contact bank to know more | |
Expressions Coral Business Debit Card |
| Contact bank to know more | Contact bank to know more |
NRE Expressions Debit Card |
| Contact bank to know more | Contact bank to know more |
3) ICICI Personal Debit Cards Types
Debit card type | Features | Spending Limit | Benefits |
Wealth Select Visa Infinite Debit Card |
| ATM: Domestic: Rs.7.5 lakh International: Rs.2 lakh Transaction: Domestic:Rs.1.5 lakh International:Rs.1.5 lakh | Provides various offers on dining, shopping, hotel bookings, and travel. |
ICICI Bank Wealth Management World Debit Card |
| ATM: Domestic: Rs.1 lakh (Rs.2 lakh for current account holder) International: Rs.2 lakh Transaction: Domestic: Rs.7.50 lakh International: Rs.2.5 lakh |
|
Titanium Family Debit Card |
| ATM: Domestic: Rs.1 lakh International: Rs.1 lakh Transaction: Domestic: Rs.3 lakh International: Rs.1.5 lakh |
|
SMS alerts and itemized billing for every transaction Liability protection at zero expense Fuel surcharge waiver at selected government fuel outlets | ATM: Domestic: Rs.1 lakh International: Rs.1.5 lakh Transaction: Domestic: Rs.5 lakh International: Rs.1.75 lakh | 2 reward points on every Rs.200 spent using this card Complimentary insurance coverage linked to savings account | |
Fuel surcharge waiver on purchasing fuel using this card at selected government fuel outlets Liability protection at zero expense SMS alert and itemized billing | ATM: Domestic: Rs.1.25 lakh International: Rs.1.25 lakh Transaction: Domestic: Rs.5 lakh International: Rs.2 lakh | Insurnace coverage Offers 1 reward points on every Rs.200 using this card | |
Gold Family Debit Card | SMS alerts for transactions Itemized billing Liability protection at zero cost Complimentary airport lounge access | ATM: Domestic: Rs.1 lakh International: Rs.1 lakh Transaction: Domestic: Rs.3 lakh International: Rs.1.5 lakh | Offers one reward point on every Rs.200 spent at merchant websites Complimentary insurance coverage Fuel surcharge waiver at selected fuel outlets |
Platinum Chip Card | Zero surcharge at HPCL refueling stations SMS alert and itemized billing Complimentary airport lounge access | ATM: Domestic: Rs.1 lakh International: Rs.1 lakh Transaction: Domestic: Rs.7.5 lakh International:Rs.1.5 lakh | 2 reward points on every Rs.200 spent using this cardLife insurance coverage |
SMS alerts for transactions Liability protection at zero expense Itemized billing | ATM: Domestic: Rs.50,000 International: Rs.1 lakh Transaction: Domestic: Rs.3 lakh International: Rs.1.25 lakh | One reward point on every Rs.200 spent Fuel surcharge waiver at selected fuel outlets Complimentary insurance coverage | |
High withdrawal limits Tracking and itemized billing Zero liability protection | ATM: Domestic: Rs.1 lakh International: Rs.1 lakh Transaction: Domestic: Rs.7.5 lakh International: Rs.1.5 lakh | Offers 2 reward points on every Rs.200 spent using this card | |
Zero liability protection Itemized billing and SMS alert for regular expense tracking | ATM: Domestic: Rs.50,000 Transaction: Domestic: Rs.3 lakh | 2 reward points can be earned using this card on every Rs.200 spent | |
SMS alerts for transactions Itemized billing and zero protection liability | ATM: Domestic: Rs.75,000 Transaction: Domestic: Rs.5 lakh | Earn one reward point on every Rs.200 spent | |
| ATM: Domestic: Rs.50,000 Transaction: Domestic: Rs.3 lakh | For every Rs.200 spent using this card, one reward point can be earned | |
Itemized billing feature Earn reward points | ATM: Domestic: Rs.5,000 Transaction: Domestic: Rs.3 lakh | One reward point is offered to the users on every Rs.200 |
4) ICICI Business Debit Card Types
Debit card type | Features | Fees | Joining benefit |
| Joining: Rs.1,999 + GST Monthly: Nil Annual: Rs.1,499 + GST Re-issuance: Rs.200 + GST |
| |
Expressions Coral Business Debit Card |
| Contact the bank for fee structure | 3 and 6 reward points on every Rs.200 spent on domestic and international transactions |
| Joining: Rs.499 + GST Monthly: Nil Annual: Rs.499 + GST |
| |
| Joining: Rs.599 + GST Monthly: Nil Annual: Rs.599 + GST |
| |
Titanium Business Debit Card |
| Gramin: Rs.99 Other areas: Rs.150 |
|
Gold Business Debit Card |
| Nil | One reward point on every Rs.200 spent at retail outlets within and outside India, and at Indian websites. |
5) ICICI Unifare Debit Card Types
Debit card type | Features | Spending limit | Fee |
| ATM Domestic: Rs.1.5 lakh International: Rs.1.5 lakh Transaction Domestic: Rs.5 lakh International: Rs.2 lakh | Joining: Rs.599 + 18% GST Monthly: Nil Annual: Rs.599 + 18% GST | |
| ATM Domestic: Rs.1 lakh International: Rs.1 lakh Transaction Domestic: Rs.5 lakh International: Rs.1.5 lakh | Joining: Rs.299 + GST Monthly: Nil Annual: Rs.299 + GST | |
DMRC Coral Debit Card |
| ATM Domestic: Rs.1.5 lakh International: Rs.1.5 lakh Transaction Domestic: Rs.5 lakh International: Rs.2 lakh | Joining: Rs.599 + 18% GST Monthly: Nil Annual: Rs.599 + 18% GST Re-issuance charge: Rs.200 + 18% GST |
| ATM Domestic: Rs.1 lakh International: Rs.1 lakhTransaction Domestic: Rs.5 lakh International: Rs.1.5 lakh | Joining: Rs.299 + 18% GST Monthly: Nil Annual: Rs.299 + 18% GST Re-issuance charge: Rs.200 + 18% GST | |
| ATM Domestic: Rs.1.5 lakh International: Rs.1.5 lakh Transaction Domestic: Rs.5 lakh International: Rs.2 lakh | Joining: Rs.599 + 18% GST Monthly: Nil Annual: Rs.599 + 18% GST Re-issuance charge: Rs.200 + 18% GST | |
| ATM Domestic: Rs.1 lakh International: Rs.1 lakh Transaction Domestic: Rs.5 lakh International: Rs.1.5 lakh | Joining: Rs.299 + 18% GST Monthly: Nil Annual: Rs.299 + 18% GST Re-issuance charge: Rs.200 + 18% GST |
ICICI Debit Card Welcome Offers
The ICICI Debit Card gives you even more reasons to smile, with their exclusive Welcome Offer. Now, you can win Cash Back up to Rs 150 on your ICICI Debit Card spends. To avail this special offer, you just need to follow the following 3 steps:
- To begin with, send an SMS with the text ‘GET 150’ from your registered mobile number to 5676766 to be eligible for the cash back offer.
- Following this, you need to use your ICICI Bank Debit card for a minimum of 3 payment transactions at supermarkets, restaurants, for travel bookings, online purchases, fuel purchases or bill payments. Each transaction must be for Rs 500 or more.
- That’s all. You shall receive your Rs 150 Cash Back in your ICICI account within a month of the offer closing.
All ICICI Bank Savings Account and Current account customers are eligible for this offer. Do remember, this offer is only valid for a period of 60 days, starting from the account opening date. So, hurry!
How to Generate ICICI Debit Card PIN Online?
ICICI account holders can generate or change their debit card PIN online using the following methods:
iMobile app
iMobile is ICICI Bank's mobile banking application. The app can be used to generate or change a debit card PIN by following the steps listed below:
- Login to the iMobile app and select the 'Services' tab
- Select the option titled 'Card Services'
- From the list on the card services page, select the option titled 'Generate Debit Card PIN'
- Enter the debit card CVV number and debit card type
- Set the account number linked to the debit card, followed by the card number
- Enter the new debit card PIN and select the 'Submit' button
Internet Banking
- Login to the bank's internet banking website and click on the 'Customer Service' option.
- Under the Customer Services tab, click on 'My Profile' followed by 'Generate Debit/Credit Card PIN'.
- In the dialogue box titled 'Debit Card PIN', click on the 'Generate Now' button.
- Select the account number, card, and card type on the screen that follows.
- Enter the CVV number and click on the 'Submit' button.
- Enter the OTP sent to the registered mobile number and the card grid number printed on the back of the card and click on the 'Submit' button.
- Enter the new debit card PIN in the boxes and click on the 'Submit' button.
ATM
Debit card PINs can also be changed at ICICI Bank ATM's.
- Swipe the debit card at an ICICI Bank ATM.
- Select the 'Change PIN' option.
- Select the 'Generate OTP' option.
- Enter the OTP sent to the registered mobile number to proceed.
- Enter the new debit card PIN and press the 'Confirm' button.
How to Block ICICI Bank Debit Card?
The following are the modes through which ICICI Debit card can be blocked:
Internet Banking
The following are the steps to block ICICI Bank Debit card through net banking:
- Log in to the net banking portal: https://icicibank.com, using your login credentials
- Click on ‘Cards and Loans’ option
- Select ‘ATM Debit Card’ and choose ‘Block or Unblock’ option from the menu
- Select the appropriate reason for blocking or unblocking
- Click on 'Submit'.
Customer Care Support
- ICICI Bank debit card can be blocked by calling the customer care number- 1800 1080 (Toll Free) from the user’s registered mobile number.
- A request can be made for blocking the card and the bank will block services instantly after successful user verification.
iMobile
Here are the steps to block ICICI Bank debit card through iMobile application:
- Log into your iMobile application using ID and password
- Select ‘Card Services’ under ‘Service’ option
- Select ‘Block or Unblock Debit Card’
- Select your card type
- Select ‘Submit’ to block the card.
Also, read our top viewed article on How to Activate an ICICI Debit Card Online via Internet Banking, App, and more ways.
How to Transfer Money from an ICICI Bank ATM
ICICI Bank offers its, customers the option of transferring funds from their account through the bank's ATM machine. Before a customer can use this service, their mobile number has to be linked to their account and registered with the bank.
The following are the steps to transfer funds using an ATM:
- Visit an ICICI Bank ATM and swipe the card.
- Enter the 4-digit ATM PIN to proceed
- From the list of options on the screen, select the option titled 'More Options'.
- Select the option titled 'Fund Transfer'.
- To make a transfer to an existing beneficiary, choose the option titled 'Select Payee'.
- To make a transfer to a new beneficiary, choose the option titled 'Enter Account Number'.
- Enter the account number and re-enter it to confirm the beneficiary selected.
- Enter the amount to be transferred to the beneficiary and select the 'Yes' option.
Read more info on ICICI Bank Card Protection Plan
Note: Funds can be transferred to both existing beneficiaries and a new beneficiary by adding them to the list.
Related Articles on Debit Card
- ATM Withdrawal Limit
- ICICI Bank Debit Card Protection Plan in India
- Guide for First Time Usage of ICICI Bank Debit Cards
- Top Banks Debit Card Customer Care Numbers (Toll Free)
- ICICI Bank Signature Debit Card
- SBI ATM Card
- ATM Card
- International Debit Card
- PNB ATM Card
- Rupay Debit Card
- HDFC Bank Debit Card
- Bank of India Debit Card Apply Online
- Best Prepaid Travel Card India
- Union Bank ATM Limit
- Coral Debit Card Benefits
- HDFC Platinum Debit Card Offers
- EMI on Debit Card
- ICICI Debit Card EMI
- BOB Debit Card
- Steps to Check Central Bank of India Account Balance
- Platinum Identity Chip Debit Card
- Steps to change SBI registered mobile number
- Debit Cards For Fuel
- How to Activate Axis Bank ATM Debit Card PIN
- Expressions Debit Card - ICICI Bank
- Smart Shopper Silver Debit Card - ICICI Bank
- Steps to Block PNB Debit Card
- Debit Cards For Online Shopping
- Steps to Check Indian Bank Account Balance
- Kotak Mahindra Platinum Debit Card
- Debit Cards For Movie Tickets
- Steps to Block Central Bank of India ATM Debit Card
- HDFC Bank Rewards Debit Card
- Steps to Apply for a Canara Bank ATM Debit Card
- Central Bank of India Platinum Debit Card
- Priority Platinum Debit Card - Axis Bank
- SbiINTOUCH Tap & Go Debit Card
- Rupay Debit Card
- Prepaid Card
- ICICI Bank Senior Citizen Gold Debit Card
- ICICI Mumbai Metro Platinum Debit Card
- ICICI Bank DMRC Platinum Debit Card
- International Debit Card
Earning ICICI Reward Points - A quick glimpse
Unexpected windfall every time you swipe. This is how you save on shopping and spending while using an ICICI Debit Card. No matter what you use the card for every card transaction of Rs. 200, you can earn and accrue points that can be used later.
The reward system is pretty straightforward as you can see from the table below.
Debit Card Type | At Mercantile/ e-commerce portals | Overseas |
Silver | 1 | 10 |
Gold | 2 | 10 |
Titanium | 4 | 10 |
Platinum | 6 | 10 |
World | 6 | 10 |
Infinite/Signature | 10 | 10 |
Coral | 6 | 10 |
Rubyx | 6 | 10 |
Sapphiro | 6 | 10 |
The reward influx doesn't end there. Your ICICI Card fetches bonus points when you swipe at the below Point of Sales too.
Mercantile | Points Accrued |
BigBazaar | 5 points for every INR 200 spent |
BookMyShow | 4 points for every INR 100 spent |
MakeMyTrip | 2 points for every INR 100 spent |
HPCL | 1 point for every INR 100 spent |
Central | 2 points for every INR 100 spent |
Carzonrent | 8 points for every INR 100 spent |
Ezone | 3 points for every INR 200 spent |
It goes without saying that these points cannot be exchanged against Mutual Fund, Telecom, Education, Utilities Bill, Insurance Premium and other Government-related payments. And the bank reserves full right to make any kind of modification to the current reward system.
GST of 18% is applicable on all banking products and services from July 1, 2017 onwards.
New ICICI Bank Debit Card Rules (Effective 1 October 2024)
ICICI Bank has revised the airport lounge access rules for 19 specific debit cards. Starting from 1 October 2024, cardholders will need to spend a minimum of Rs.10,000 in the preceding calendar quarter to qualify for complimentary domestic airport lounge access in the following quarter. Transactions that count towards this limit include e-commerce and POS transactions, while ATM transactions and cash withdrawals are excluded.
The list of Applicable cards is as follows:
- ICICI Bank Coral Business Debit Card
- ICICI Bank Coral Business MasterCard
- ICICI Bank Coral Chip Debit Card
- ICICI Bank Coral MasterCard
- ICICI Bank Coral Paywave Business Debit Card
- ICICI Bank Coral Paywave Debit Card
- ICICI Bank Expressions Business Coral Debit Card
- ICICI Bank Expressions Business Debit Card
- ICICI Bank Expressions Business MasterCard Debit Card
- ICICI Bank Expressions Coral Business MasterCard Debit Card
- ICICI Bank Expressions Coral Debit Card
- ICICI Bank Expressions Coral MasterCard Debit Card
- ICICI Bank Expressions Debit Card
- ICICI Bank Expressions MasterCard Debit Card
- ICICI Bank Expressions Paywave Debit Card
- ICICI Bank Paywave Expressions Debit Card
- ICICI Bank Rupay Coral Debit Card
- ICICI Bank Rupay Rubyx Debit Card
- ICICI Bank Rubyx Debit Card
- ICICI Bank Rubyx MasterCard Debit Card
How to Access Complimentary Airport Lounges with ICICI Bank Debit Cards
By following the steps given below, you can effectively use your ICICI Bank debit card to access airport lounges without incurring extra costs, provided you meet the eligibility criteria:
- Step 1: Spend a minimum of Rs.10,000 using your eligible ICICI Bank debit card during the preceding calendar quarter. Example: To access lounges in the October-November-December 2024 quarter, you need to spend Rs.10,000 in the July-August-September 2024 quarter.
- Step 2: After meeting the spending requirement, confirm that your card qualifies for complimentary lounge access in the upcoming quarter. This information may be available through your bank statement or online banking.
- Step 3: On the day of travel, ensure you have your valid ICICI Bank debit card with you. Also, carry a valid air ticket or boarding pass for travel on the same day or the next day.
- Step 4: At the entrance of the participating airport lounge, present your eligible debit card along with your air ticket or boarding pass. The card must be valid and unexpired to be eligible for lounge access.
- Step 5: An authorization fee of Rs.2 will be charged to your debit card when you present it at the lounge entrance. This fee is used to verify your eligibility for access.
- Step 6: Once your card and documents are verified, you will be granted complimentary access to the lounge. Complimentary access typically applies only to the cardholder. If you have any accompanying guests, they may incur additional charges for entry.
- Step 7: Once inside, you can enjoy the lounge's amenities, which may include comfortable seating, refreshments, Wi-Fi, and more, depending on the lounge.
FAQs on ICICI Debit Card
- What is the new spending requirement to qualify for complimentary airport lounge access?
You need to spend a minimum of Rs.10,000 using your eligible ICICI Bank debit card in the preceding calendar quarter. For example, to access lounges in October-December 2024, spend Rs.10,000 in July-September 2024.
- Which ICICI Bank debit cards are eligible for the revised lounge access rules?
Eligible cards include ICICI Bank Coral Paywave Debit Card, ICICI Bank Rubyx Debit Card, ICICI Bank Expressions Business MasterCard Debit Card, and several others. A full list is available on ICICI Bank's website.
- What types of transactions are considered to meet the Rs.10,000 spending requirement?
E-commerce and POS transactions count towards the Rs.10,000 limit. ATM transactions and cash withdrawals do not contribute to this spending requirement.
- What is the process for accessing the airport lounges with an eligible debit card?
Present your eligible debit card and a valid air ticket or boarding pass at the lounge entrance. An authorisation fee of Rs.2 will be charged. Complimentary access is usually limited to the cardholder.
- How can I apply for an ICICI Bank debit card?
When you open a new account with ICICI Bank, an ICICI debit card is provided along with the welcome kit. You can contact the customer care department in case you do not receive a debit card.
- Can I use my ICICI Bank debit card to pay online?
Yes. You can pay online and make purchases from merchants who are certified by Visa or MasterCard.
- Does the bank impose any fee on using the debit card for retail or online transactions?
No, apart from the annual fee the bank does not charge the user for using the ICICI Bank debit card for retail or online transactions. Some merchant websites such as railways or fuel stations may impose certain fees for transacting at their website or outlets using these cards.
- How can I activate my ICICI Bank blocked card?
Your blocked card can be activated through various ways including both online and offline modes. You can visit your nearest ICICI Bank branch to activate your debit card after successful verification. The process can be completed by logging into your internet banking account using your login credentials.
- When does ICICI bank blocks debit card of a user?
ICICI Bank blocks your debit card after three consecutive wrong password entries at ATM during cash withdrawal. The bank might block the card on request of the user in case of theft or misplacement of card and fraudulent activity as reported by the user.
- Can I change the limits on my debit card?
Yes, the debit card limits can be changed through online banking or by visiting the bank directly. A service request can be raised with the bank and then the bank updates the debit card limit within 24 hours.
- How to ensure that the transaction has been successful in a contactless debit card transaction?
A slip will be generated at the merchant outlet which will ensure that the transaction made through contactless debit card has been successful or not.
- What is the CVV number on my ICICI Bank debit card?
The last 3 digits of the 7 digits entered near the signature panel is your CVV number. It is of high importance as it is required during online purchase transactions.
- What should I do if I have lost my ICICI debit card?
In case you lose your ICICI debit card, you must inform the customer care immediately. You can also request them to issue a new debit card.
- What is the Tap and Pay feature offered by ICICI Bank's debit card?
The Tap and Pay feature of ICICI Bank's debit card allows customers to make contactless payments.
- How can I contact the ICICI customer care?
You can either call the ICICI customer care numbers 1800 1080 and 1860 120 7777 or send an email to customer.care@icicibank.com from your registered email ID to contact the 24-hour customer care for any queries and issues, including those related to card PIN.
News about ICICI Debit Card
ICICI Bank updates Airport lounge access for Debit cards from 1 October 2024
Airport lounge access for ICICI Bank debit cards will be updated starting 1 October 2024. Cardholders can earn two complimentary domestic lounge passes by spending a minimum of Rs.10,000 in the preceding calendar quarter.
This requires spending Rs.10,000 from July to September 2024. To use the lounge access, present a valid debit card and a same-day or next-day boarding pass, with a Rs.2 authorization fee per card. Complimentary access typically applies only to the cardholder, with additional charges for any guests.
The new criteria apply to various ICICI Bank debit cards, including Coral Paywave, Expressions Business MasterCard, Rupay Coral, Expressions MasterCard, Coral Business MasterCard, Expressions Paywave, Coral Business, Expressions Business, Coral MasterCard, Paywave Expressions, Coral Paywave Business, Expressions Coral Business MasterCard, Coral Chip, Rubyx, and Expressions Business Coral Debit Cards.
Disclaimer
Credit Card:
Credit Score:
Personal Loan:
Home Loan:
Fixed Deposit:
Copyright © 2025 BankBazaar.com.