Debit Cards FAQs

An ICICI Bank Debit Card is a secure payment instrument linked to your ICICI Bank Savings Account or Current Account that lets you make cash withdrawals from ATMs, pay at stores, restaurants etc. using POS (swipe) machines and make online payments across India and internationally (if enabled).

An ICICI Bank Debit Card is a secure payment instrument linked to your ICICI Bank Savings Account or Current Account that lets you make cash withdrawals from ATMs, pay at stores, restaurants etc. using POS (swipe) machines and make online payments across India and internationally (if enabled).

Benefits include cashless payments, contactless Tap‑and‑Pay payments, secure OTP authentication and access to partner offers.

Benefits include cashless payments, contactless Tap‑and‑Pay payments, secure OTP authentication and access to partner offers.

ICICI Bank offers the Coral, Rubyx, Sapphiro and Expressions variants, along with Business Debit Cards, Unifare Metro Cards and other Debit Cards designed for different user segments.

ICICI Bank offers the Coral, Rubyx, Sapphiro and Expressions variants, along with Business Debit Cards, Unifare Metro Cards and other Debit Cards designed for different user segments.

Since the Debit Card is linked to your bank account, standard KYC documents such as identity and address proof must be updated with the bank.If the account is KYC compliant and the bank has the latest KYC, no additional document is needed.

Since the Debit Card is linked to your bank account, standard KYC documents such as identity and address proof must be updated with the bank.If the account is KYC compliant and the bank has the latest KYC, no additional document is needed.

You can apply online through Net Banking, via the iMobile app or by visiting any ICICI Bank Branch.

You can apply online through Net Banking, via the iMobile app or by visiting any ICICI Bank Branch.

Delivery is usually within 5 working days for the first attempt and within 10 working days overall, via courier.

Delivery is usually within 5 working days for the first attempt and within 10 working days overall, via courier.

Fees include replacement charges, annual fees for premium variants, foreign currency markup and ATM withdrawal fees at non-ICICI Bank ATMs. Please refer to the service charge list for details.

Fees include replacement charges, annual fees for premium variants, foreign currency markup and ATM withdrawal fees at non-ICICI Bank ATMs. Please refer to the service charge list for details.

International transactions on your Debit Card attract a 3.5% foreign currency markup.

International transactions on your Debit Card attract a 3.5% foreign currency markup.

Yes. Limits can be modified via iMobile or Net Banking.

Withdrawal and purchase limits vary by Card variant. High‑end Cards support higher limits.

Some Debit Card variants include special merchant offers, discounts and seasonal promotions.

There are no rewards linked to limit changes; however, properly managing your limits might help you avoid overspending and fees and thus improve your overall Card experience.

Some Debit Card variants include special merchant offers, discounts and seasonal promotions.

There are no rewards linked to limit changes; however, properly managing your limits might help you avoid overspending and fees and thus improve your overall Card experience.

Benefits include improved security (smaller exposure in case of fraud), better budget control (by capping spending) and flexibility to tailor limits for your changing needs.

Benefits include improved security (smaller exposure in case of fraud), better budget control (by capping spending) and flexibility to tailor limits for your changing needs.

By limiting the permitted spends or withdrawals, you reduce the potential loss in case your Card is compromised. Unauthorised large transactions are checked by the limits you have set.

ICICI Bank Debit Cards include EMV chip security, OTP-based authentication, PIN protection and instant Card blocking.

By limiting the permitted spends or withdrawals, you reduce the potential loss in case your Card is compromised. Unauthorised large transactions are checked by the limits you have set.

The Bank authenticates you via your Net Banking / mobile banking credentials, your registered mobile number (when you call Customer Care) and Branch verification before accepting any limit-change request.

Block the Card immediately via iMobile, Net Banking or by calling Customer Care on 1800 1080.

No, requests from unregistered mobile numbers or lacking the correct authentication are rejected. The Bank also logs and monitors all limit changes for security auditing.

The Bank authenticates you via your Net Banking / mobile banking credentials, your registered mobile number (when you call Customer Care) and Branch verification before accepting any limit-change request.

No, requests from unregistered mobile numbers or lacking the correct authentication are rejected. The Bank also logs and monitors all limit changes for security auditing.

ICICI Bank Debit Cards include EMV chip security, OTP-based authentication, PIN protection and instant Card blocking.

Block the Card immediately via iMobile, Net Banking or by calling Customer Care on 1800 1080.

You can activate your Debit Card by generating your PIN using iMobile or Net Banking or at an ICICI Bank ATM.

You can activate your Debit Card by generating your PIN using iMobile or Net Banking or at an ICICI Bank ATM.

View transactions through Net Banking or iMobile or by checking your account statement.

View transactions through Net Banking or iMobile or by checking your account statement.

Reset your PIN instantly using iMobile or Net Banking.

Reset your PIN instantly using iMobile or Net Banking.

Request a replacement Card via iMobile, Net Banking or by visiting any ICICI Bank Branch.

Request a replacement Card via iMobile, Net Banking or by visiting any ICICI Bank Branch.

Replacement Debit Cards are usually delivered within 5–10 working days.

Replacement Debit Cards are usually delivered within 5-10 working days.

No, the limit-setting feature does not impact any loan or overdraft facility that you might avail against your Account. Debit Cards do not inherently carry a credit line or EMI features.

No, the limit-setting feature does not impact any loan or overdraft facility that you might avail against your Account. Debit Cards do not inherently carry a credit line or EMI features.

ICICI Bank primarily issues single Debit Cards per account holder; for additional Cards, contact your Branch for available options.

Yes , only during the transaction subject to eligibility. Completed transaction cannot be converted to EMI

Report a dispute by calling Customer Care with transaction details and evidence. Escalate to the Nodal Officer or Ombudsman if needed.

ICICI Bank primarily issues single Debit Cards per account holder; for additional Cards, contact your Branch for available options.

No. EMI conversion is available only on Credit Cards, not Debit Cards.

Report a dispute by calling Customer Care with transaction details and evidence. Escalate to the Nodal Officer or Ombudsman if needed.

Visa Fast Funds is a service that enables fast inward remittances directly to ICICI Bank Visa Debit Cards.

The Debit Card is automatically deactivated. Any pending settlements follow standard clearing timelines..

On closure of your Account or cancellation of your Debit Card, the limit-setting feature becomes inactive as the Card itself becomes non-operational.

On Closure of your Account or cancellation of your Debit Card, the limit-setting feature becomes inactive as the Card itself becomes non-operational.

The Debit Card is automatically deactivated. Any pending settlements follow standard clearing timelines..

Yes. Limits can be modified via iMobile or Net Banking.

Withdrawal and purchase limits vary by Card variant. High‑end Cards support higher limits.