Expressions Paywave NFC Card FAQs

The Expression Paywave Debit Card is a contactless (NFC) Debit Card from ICICI Bank that allows tap-to-pay transactions at Visa payWave-enabled terminals, while also functioning as a regular Visa Debit Card at all retail and online merchants.

The Expression Paywave Debit Card is a contactless (NFC) Debit Card from ICICI Bank that allows tap-to-pay transactions at Visa payWave-enabled terminals, while also functioning as a regular Visa Debit Card at all retail and online merchants.

Key features include wave/tap payments at contactless terminals, ATM cash withdrawals, online and in-store acceptance and personalisation of Card design (image).

Key features include wave/tap payments at contactless terminals, ATM cash withdrawals, online and in-store acceptance and personalisation of Card design (image).

You can use it at merchant terminals displaying the Visa payWave symbol and the contactless logo. For other terminals, you can use the Card as a standard chip & PIN Card.

You can use it at merchant terminals displaying the Visa payWave symbol and the contactless logo. For other terminals, you can use the Card as a standard chip & PIN Card.

If you opt for a personalised image, i.e. an image of your choice, you will need to ensure that you upload an image adhering to the Bank’s design guidelines (no copyrighted / trademarked images, etc.). No additional documentation is required.

Any customer with an active ICICI Bank Savings Account and completed KYC is eligible for the Expression Paywave Debit Card.

Apply via the ICICI Bank website, the iMobile app or by visiting any ICICI Bank Branch. 

Yes, existing account holders with a standard Debit Card can upgrade to the Expression Paywave Debit Card through iMobile or by visiting any Branch. Please note that upgrading requires you to pay an upgrade fee, if applicable.

To apply, you need to hold an ICICI Bank Savings Account and your KYC must be updated (ID proof, address proof) as per the Bank’s policy.

If you opt for a personalised image, i.e. an image of your choice, you will need to ensure that you upload an image adhering to the Bank’s design guidelines (no copyrighted / trademarked images, etc.). No additional documentation is required.

Any customer with an active ICICI Bank Savings Account and completed KYC is eligible for the Expression Paywave Debit Card.

Apply via the ICICI Bank website, the iMobile app or by visiting any ICICI Bank Branch. 

Yes, existing account holders with a standard Debit Card can upgrade to the Expression Paywave Debit Card through iMobile or by visiting any Branch. Please note that upgrading requires you to pay an upgrade fee, if applicable.

To apply, you need to hold an ICICI Bank Savings Account and your KYC must be updated (ID proof, address proof) as per the Bank’s policy.

No extra fee is charged for contactless transactions; standard merchant / ATM charges apply as per the Bank’s schedule of charges.

Replacement after expiry or loss might incur a re-issuance fee (e.g., ₹ 200 + GST) as defined in the Bank’s schedule of charges.

The joining fee is ₹ 499 + GST and the annual fee from the second year onwards is ₹ 499 + GST.

No extra fee is charged for contactless transactions; standard merchant / ATM charges apply as per the Bank’s schedule of charges.

Replacement after expiry or loss might incur a re-issuance fee (e.g., ₹ 200 + GST) as defined in the Bank’s schedule of charges.

The joining fee is ₹ 499 + GST and the annual fee from the second year onwards is ₹ 499 + GST.

Yes, this Card works internationally wherever Visa Cards are accepted, subject to foreign transaction fees and foreign exchange mark-ups.

Yes, you can set and change limits via Net Banking or iMobile.

The Card has daily limits for each transaction type- e.g. ATM withdrawals, POS transactions, e-commerce transactions and international transactions. These limits can be set and changed by you as per your preference.

Yes, this Card works internationally wherever Visa Cards are accepted, subject to foreign transaction fees and foreign exchange mark-ups.

Yes, you can set and change limits via Net Banking or iMobile.

The Card has daily limits for each transaction type- e.g. ATM withdrawals, POS transactions, e-commerce transactions and international transactions. These limits can be set and changed by you as per your preference.

Yes, Cardholders can get merchant discounts, partner offers and reward points, as applicable.

Yes, Cardholders can get merchant discounts, partner offers and reward points, as applicable.

With tap-to-pay contactless technology, you just have to wave the Card near the payment terminal (about 4 cm away). There is no need to swipe or dip the Card in the machine, thus making transactions faster.

Benefits include contactless payments, wide merchant acceptance (online & offline), secure chip & PIN technology and Card design personalisation for a customised look.

With tap-to-pay contactless technology, you just have to wave the Card near the payment terminal (about 4 cm away). There is no need to swipe or dip the Card in the machine, thus making transactions faster.

Benefits include contactless payments, wide merchant acceptance (online & offline), secure chip & PIN technology and Card design personalisation for a customised look.

Use the iMobile app or Net Banking to view transaction

No additional usage fee is charged for retail or online transactions; however, certain merchant categories may apply separate merchant fees (like fuel purchase, railway bookings, etc.).

Activate your Card by making a PIN-based transaction at an ATM, POS machine or online. You can then start using the Card for contactless payments at payWave-enabled terminals.

Use the iMobile app or Net Banking to view transaction

No additional usage fee is charged for retail or online transactions; however, certain merchant categories may apply separate merchant fees (like fuel purchase, railway bookings, etc.).

Activate your Card by making a PIN-based transaction at an ATM, POS machine or online. You can then start using the Card for contactless payments at payWave-enabled terminals.

No, Debit Cards do not provide credit facilities, so EMI conversion is not supported.

You can close your Account and Card by visiting any Branch or by placing a request using Net Banking. Clear any outstanding dues, return the Card and the Account closure process will apply.

You can close your Account and Card by visiting any Branch or by placing a request using Net Banking. Clear any outstanding dues, return the Card and the Account Closure process will apply.

Immediately block your Card via Net Banking or iMobile or by calling Customer Care on 1800 1080. Prompt action helps limit your liability.

Chip & PIN technology plus secure authentication protocols are standard security features. For contactless payments, if a PIN isn’t required for transactions lower than a threshold value, you will still receive transaction alerts so that you can keep track of payments made using your Card.

Immediately block your Card via Net Banking or iMobile or by calling Customer Care on 1800 1080. Prompt action helps limit your liability.

Chip & PIN technology plus secure authentication protocols are standard security features. For contactless payments, if a PIN isn’t required for transactions lower than a threshold value, you will still receive transaction alerts so that you can keep track of payments made using your Card.

The Card is typically dispatched by courier within 5 working days after your application is successfully submitted. You will receive tracking information so you can check the progress of the delivery of the Card.

Yes, you can request for an upgrade (e.g., from regular Debit Card to Expression Paywave Debit Card) while retaining your Savings Account. Please note that Card upgrade fees may apply.

Use the Expressions Card portalor iMobile to select / upload a new image (subject to design guidelines) and request a replacement Card for the new design.

The Card is typically dispatched by courier within 5 working days after your application is successfully submitted. You will receive tracking information so you can check the progress of the delivery of the Card.

Yes, you can request for an upgrade (e.g., from regular Debit Card to Expression Paywave Debit Card) while retaining your Savings Account. Please note that Card upgrade fees may apply.

Use the Expressions Card portalor iMobile to select / upload a new image (subject to design guidelines) and request a replacement Card for the new design.

If you are unsatisfied with the resolution provided, you can escalate the issue via the Bank’s nodal officer or ombudsman.

Lodge the dispute via iMobile or Net Banking, providing transaction date, amount and merchant details. The Bank will investigate the matter and update you.

If you are unsatisfied with the resolution provided, you can escalate the issue via the Bank’s nodal officer or ombudsman.

Lodge the dispute via iMobile or Net Banking, providing transaction date, amount and merchant details. The Bank will investigate the matter and update you.

Yes, you may use the Card for loading e-wallets where the issuer / merchant accepts Debit Cards as a payment mode.

Yes. Some terminals allow contactless payments without PIN up to a threshold value; above that, you might be prompted for a PIN as per regulatory and network rules.

Yes, you may use the Card for loading e-wallets where the issuer / merchant accepts Debit Cards as a payment mode.

Yes. Some terminals allow contactless payments without PIN up to a threshold value; above that, you might be prompted for a PIN as per regulatory and network rules.

No, Debit Cards do not provide credit facilities, so EMI conversion is not supported.