Prepaid Card FAQs

The Student Prepaid Card is a reloadable stored-value payment card for students aged 10 and above that lets users spend only the funds loaded onto the card. It supports POS, contactless tap-and-pay , OTP-secured online payments and ATM withdrawals where permitted. Guardians or students can top up the card through IMPS,NEFT, UPI, and the card remains valid for 5 years, providing a secure, controlled way to learn money management.

An ICICI Bank Prepaid Card is a cashless payment instrument that lets you spend only the amount preloaded on the card, ensuring full control over expenses. It works at POS, online and, for select variants, ATMs. The card remains valid until its printed expiry date and can be reloaded through authorised channels. ICICI Bank offers multiple prepaid formats—reloadable, gift, corporate and transit cards—each designed for specific personal or business needs.

An ICICI Bank Prepaid Card is a cashless payment instrument that lets you spend only the amount preloaded on the card, ensuring full control over expenses. It works at POS, online and, for select variants, ATMs. The card remains valid until its printed expiry date and can be reloaded through authorised channels. ICICI Bank offers multiple prepaid formats—reloadable, gift, corporate and transit cards—each designed for specific personal or business needs.

ICICI Bank Prepaid Cards offer secure, convenient and controlled spending without credit risk. They reduce cash handling, support budgeting, and provide safe online and in-store payments through chip-and-PIN and OTP protection. Many variants allow quick issuance, minimal documentation, easy reloads and online balance checks. These features make prepaid cards ideal for gifting, travel, corporate payouts, reimbursements and everyday expenses while ensuring predictable and trackable financial management.

The card is accepted at in-store POS terminals, contactless-enabled counters and online merchants that accept domestic prepaid cards, and may permit ATM cash withdrawals where supported. It is suitable for school and college purchases, travel bookings and everyday needs. Online transactions require OTP authentication for security. Usage is intended for domestic merchants and platforms that accept local prepaid or debit-network payments.

ICICI Bank Prepaid Cards offer secure, convenient and controlled spending without credit risk. They reduce cash handling, support budgeting, and provide safe online and in-store payments through chip-and-PIN and OTP protection. Many variants allow quick issuance, minimal documentation, easy reloads and online balance checks. These features make prepaid cards ideal for gifting, travel, corporate payouts, reimbursements and everyday expenses while ensuring predictable and trackable financial management.

ICICI Bank offers a wide portfolio of prepaid solutions, including Reloadable Cards for daily use, Gift Cards for one-time spending, Corporate and Payroll Cards for payouts, Transit Cards for travel and municipal services, and Programme-Based Cards for limited-use schemes. Each type differs in load limits, acceptance rules, KYC requirements and ATM withdrawal permissions, enabling customers to select the most suitable option based on personal, gifting or corporate purposes.

Key features include a DI chip for secure POS transactions, PIN protection, OTP-based online authentication, contactless tap-and-pay for quick low-value payments, ATM withdrawal capability where enabled, and multiple reload options such as UPI, IMPS and NEFT. The card typically has 5 year validity, access to student offers, and customer support for blocking or replacing lost cards, making it a secure, convenient tool for controlled student spending.

ICICI Bank offers a wide portfolio of prepaid solutions, including Reloadable Cards for daily use, Gift Cards for one-time spending, Corporate and Payroll Cards for payouts, Transit Cards for travel and municipal services, and Programme-Based Cards for limited-use schemes. Each type differs in load limits, acceptance rules, KYC requirements and ATM withdrawal permissions, enabling customers to select the most suitable option based on personal, gifting or corporate purposes.

ICICI Bank Prepaid Cards are valid until the expiry date printed on the card. After expiry, the card stops working and must be renewed or replaced if you want to access the remaining balance. Customers can request a replacement through customer support or designated programme channels. Refunds or transfers of unused amounts follow bank policies and KYC requirements, ensuring secure and uninterrupted access to funds.

The card permits a maximum stored balance of ₹100,000. This cap balances convenience and safety by limiting the amount held on a student-focused prepaid instrument while still enabling coverage for academic and personal expenses. Annual transaction limits and regulatory thresholds also apply, so periodic reloading rather than storing large sums is recommended for disciplined use and compliance.

ICICI Bank Prepaid Cards are valid until the expiry date printed on the card. After expiry, the card stops working and must be renewed or replaced if you want to access the remaining balance. Customers can request a replacement through customer support or designated programme channels. Refunds or transfers of unused amounts follow bank policies and KYC requirements, ensuring secure and uninterrupted access to funds.

Gift Cards are preloaded once and cannot be topped up, making them perfect for gifting, rewards and short-term needs. Reloadable Prepaid Cards allow multiple top-ups and suit long-term use such as travel, allowances or corporate payouts. Reloadable cards also offer higher flexibility, online balance checks and transaction tracking. Both card types ensure controlled spending without credit risk.

Students aged 10 years and above are eligible to apply. Minors typically require parental or guardian consent and participation in the application and KYC process, while those above 18 can apply more independently subject to identity verification. No existing savings account is required, making the card accessible to families without bank accounts while providing a regulated, supervised payment instrument for students.

Gift Cards are preloaded once and cannot be topped up, making them perfect for gifting, rewards and short-term needs. Reloadable Prepaid Cards allow multiple top-ups and suit long-term use such as travel, allowances or corporate payouts. Reloadable cards also offer higher flexibility, online balance checks and transaction tracking. Both card types ensure controlled spending without credit risk.

Personalisation depends on the card variant. Many reloadable or corporate cards support name embossing, while instant-issue cards may not. Personalised cards may require additional processing time and documentation. Regardless of personalisation, all prepaid cards function with full security and validity, ensuring reliable usage across permitted merchant categories and payment channels.

Personalisation depends on the card variant. Many reloadable or corporate cards support name embossing, while instant-issue cards may not. Personalised cards may require additional processing time and documentation. Regardless of personalisation, all prepaid cards function with full security and validity, ensuring reliable usage across permitted merchant categories and payment channels.

ICICI Bank follows RBI-mandated KYC requirements. Applicants may need to provide Aadhaar, Passport, Voter ID or Driving Licence for identity and address proof. Full-KYC cards may also require PAN. Corporates must provide business registration documents and authorised signatory details. Extra documents may be required for bulk issuance, higher limits or refunds, ensuring compliance with regulatory standards.

PAN is mandatory for customers who possess one, especially for full-KYC cards, higher load limits and refund processing. Minimal-KYC cards may not require PAN at issuance, but it becomes essential for upgrades or regulatory verification. Providing PAN ensures secure usage, smoother refunds and compliance with tax guidelines.

Limited-KYC cards are issued with minimal documentation and carry lower load limits and usage caps. They may be temporarily blocked if full KYC is not completed within regulatory timelines. Full-KYC cards, supported by complete document verification, offer higher limits, longer validity and extended features such as ATM withdrawals, refunds and broader acceptance.

Yes. Corporates, institutions and government bodies can issue prepaid cards in bulk for salaries, reimbursements, incentives and benefits. ICICI Bank supports bulk issuance with dedicated onboarding, dashboards, MIS reports and load management tools. Bulk cards improve payout efficiency, reduce cash handling and offer transparent tracking.

NRI eligibility depends on the prepaid programme. Some variants are restricted to resident Indians, while select products may allow NRIs after verifying accepted documents, usage locations and refund rules. Applicants should confirm eligibility with ICICI Bank before applying.

Most prepaid cards require applicants to be 18 or older. However, certain youth or educational variants may be issued to minors under guardian supervision with defined limits. This structure supports safe spending, allowances and financial literacy for younger users.

Application channels vary by card. Prepaid cards may be issued via ICICI Bank branches, corporate programmes, partner organisations or transit systems. Applicants complete KYC, activate the card through SMS or a portal and load the initial balance. Corporates typically follow bulk onboarding procedures.

Inactive cards can be reactivated through SMS, customer support or the programme portal. Updated KYC may be required, especially if the inactivity period is long. Once reactivated, the card resumes normal usage and reload functionality.

If KYC remains incomplete, prepaid card usage may be restricted or blocked as per regulations. Submit the required documents promptly through authorised channels to restore full access. Completing KYC ensures uninterrupted transactions and eligibility for refunds or higher limits.

Eligibility varies by card type. Individuals can apply by completing the required KYC, while organisations such as corporates and government bodies can obtain prepaid cards for payouts and programmes. Some variants may be issued to minors under guardian supervision, subject to limits. NRIs should verify whether the specific card supports non-resident onboarding and documentation norms.

ICICI Bank follows RBI-mandated KYC requirements. Applicants may need to provide Aadhaar, Passport, Voter ID or Driving Licence for identity and address proof. Full-KYC cards may also require PAN. Corporates must provide business registration documents and authorised signatory details. Extra documents may be required for bulk issuance, higher limits or refunds, ensuring compliance with regulatory standards.

PAN is mandatory for customers who possess one, especially for full-KYC cards, higher load limits and refund processing. Minimal-KYC cards may not require PAN at issuance, but it becomes essential for upgrades or regulatory verification. Providing PAN ensures secure usage, smoother refunds and compliance with tax guidelines.

Limited-KYC cards are issued with minimal documentation and carry lower load limits and usage caps. They may be temporarily blocked if full KYC is not completed within regulatory timelines. Full-KYC cards, supported by complete document verification, offer higher limits, longer validity and extended features such as ATM withdrawals, refunds and broader acceptance.

Yes. Corporates, institutions and government bodies can issue prepaid cards in bulk for salaries, reimbursements, incentives and benefits. ICICI Bank supports bulk issuance with dedicated onboarding, dashboards, MIS reports and load management tools. Bulk cards improve payout efficiency, reduce cash handling and offer transparent tracking.

NRI eligibility depends on the prepaid programme. Some variants are restricted to resident Indians, while select products may allow NRIs after verifying accepted documents, usage locations and refund rules. Applicants should confirm eligibility with ICICI Bank before applying.

Most prepaid cards require applicants to be 18 or older. However, certain youth or educational variants may be issued to minors under guardian supervision with defined limits. This structure supports safe spending, allowances and financial literacy for younger users.

Application channels vary by card. Prepaid cards may be issued via ICICI Bank branches, corporate programmes, partner organisations or transit systems. Applicants complete KYC, activate the card through SMS or a portal and load the initial balance. Corporates typically follow bulk onboarding procedures.

Inactive cards can be reactivated through SMS, customer support or the programme portal. Updated KYC may be required, especially if the inactivity period is long. Once reactivated, the card resumes normal usage and reload functionality.

If KYC remains incomplete, prepaid card usage may be restricted or blocked as per regulations. Submit the required documents promptly through authorised channels to restore full access. Completing KYC ensures uninterrupted transactions and eligibility for refunds or higher limits.

Eligibility varies by card type. Individuals can apply by completing the required KYC, while organisations such as corporates and government bodies can obtain prepaid cards for payouts and programmes. Some variants may be issued to minors under guardian supervision, subject to limits. NRIs should verify whether the specific card supports non-resident onboarding and documentation norms.

Digital balance checks, online transaction history and KYC updates are typically free. Physical statements or special-format reports may attract small charges based on programme rules. Customers should refer to their card documentation to understand any service-specific fees.

Prepaid card fees vary by variant and may include issuance, replacement and specific service charges. Digital balance checks and KYC updates are generally free. Gift cards usually carry fixed issuance fees, while reloadable cards may involve nominal charges for certain load channels. Users should review programme terms for accurate fee details.

Digital balance checks, online transaction history and KYC updates are typically free. Physical statements or special-format reports may attract small charges based on programme rules. Customers should refer to their card documentation to understand any service-specific fees.

Prepaid card fees vary by variant and may include issuance, replacement and specific service charges. Digital balance checks and KYC updates are generally free. Gift cards usually carry fixed issuance fees, while reloadable cards may involve nominal charges for certain load channels. Users should review programme terms for accurate fee details.

ICICI Bank Prepaid Cards use EMV chip technology, PIN authentication, OTP verification for online purchases and secure load networks. These features help prevent fraud, cloning and unauthorised transactions. Users should never share PINs or OTPs and must monitor card activity regularly.

Yes. Many prepaid cards allow SMS or email alerts for loads and spends, along with configurable spending limits. Corporate cards may enforce limits based on company policy. Alerts help customers track transactions and identify unusual activity promptly.

Customers should report unauthorised transactions immediately. ICICI Bank investigates by coordinating with merchants, payment networks and acquiring banks. Supporting documents may be requested, and updates are shared throughout the process. Early reporting improves dispute resolution efficiency.

Security features include DI chip protection for POS transactions, mandatory PIN authentication for in-store use, OTP verification for online payments, and contactless encryption for tap-and-pay. These layered controls prevent cloning and unauthorised use. Cardholders should safeguard PINs and OTPs, monitor transactions, and promptly report any suspicious activity for immediate blocking and protection.

Report a lost or stolen card immediately via the customer care helpline or designated blocking channel to prevent unauthorised use. Once blocked, request a replacement and provide requested verification documents; remaining funds are typically transferred to the new card or refunded after verification. Prompt reporting minimizes risk and secures the stored balance.

Yes, the card supports contactless tap-and-pay on compatible POS terminals, enabling fast and hygienic payments without inserting the card. Higher-value transactions may require PIN entry. Contactless payments use secure short-range communication and underlying chip-based encryption to maintain transaction safety.

When the card expires or is closed, cardholders can request a refund of the remaining balance by submitting identity verification and bank account details. After verification, the unused balance is credited to the nominated account. Alternatively, funds can be transferred to a replacement card if one is issued, ensuring retained value is not lost.

Yes, damaged or non-functional cards can be replaced by requesting a new card through customer support or designated service channels. After identity verification and any applicable replacement fee, the remaining balance is transferred to the replacement card and PIN details are provided as required, ensuring continuity of use.

Immediately block the card through customer care, the card portal or SMS (if available) to prevent unauthorised usage. Replacement options vary by card type; reloadable cards usually allow balance transfer to a new card, while gift card replacement depends on programme rules.

ICICI Bank Prepaid Cards use EMV chip technology, PIN authentication, OTP verification for online purchases and secure load networks. These features help prevent fraud, cloning and unauthorised transactions. Users should never share PINs or OTPs and must monitor card activity regularly.

Yes. Many prepaid cards allow SMS or email alerts for loads and spends, along with configurable spending limits. Corporate cards may enforce limits based on company policy. Alerts help customers track transactions and identify unusual activity promptly.

Customers should report unauthorised transactions immediately. ICICI Bank investigates by coordinating with merchants, payment networks and acquiring banks. Supporting documents may be requested, and updates are shared throughout the process. Early reporting improves dispute resolution efficiency.

Immediately block the card through customer care, the card portal or SMS (if available) to prevent unauthorised usage. Replacement options vary by card type; reloadable cards usually allow balance transfer to a new card, while gift card replacement depends on programme rules.

Submit a refund request along with ID proof and a cancelled cheque through customer care or email. Corporate programme administrators may process refunds for employee-issued cards. Completing PAN and KYC verification speeds up processing.

Most refunds require a signed request letter, a cancelled cheque, self-attested ID proof and PAN if not already provided. These documents ensure secure, accurate and compliant fund transfers.

Inactive cards may be classified as dormant, and long-unclaimed balances may be transferred to RBI’s DEAF fund. Customers can reclaim funds later by completing KYC and submitting required documents. This ensures dormant amounts remain secure and recoverable.

Yes. Refunds can be credited to any account you specify, provided ownership is validated through a cancelled cheque and KYC details. Accurate account information ensures smooth and timely processing.

To close your card, submit a request through customer care, registered email or a branch. Corporate users may close accounts through their administrator. Remaining funds are refunded after KYC verification, and the physical card should be destroyed to prevent misuse.

Submit a refund request along with ID proof and a cancelled cheque through customer care or email. Corporate programme administrators may process refunds for employee-issued cards. Completing PAN and KYC verification speeds up processing.

Most refunds require a signed request letter, a cancelled cheque, self-attested ID proof and PAN if not already provided. These documents ensure secure, accurate and compliant fund transfers.

Inactive cards may be classified as dormant, and long-unclaimed balances may be transferred to RBI’s DEAF fund. Customers can reclaim funds later by completing KYC and submitting required documents. This ensures dormant amounts remain secure and recoverable.

Yes. Refunds can be credited to any account you specify, provided ownership is validated through a cancelled cheque and KYC details. Accurate account information ensures smooth and timely processing.

To close your card, submit a request through customer care, registered email or a branch. Corporate users may close accounts through their administrator. Remaining funds are refunded after KYC verification, and the physical card should be destroyed to prevent misuse.

Yes. Most prepaid cards support online, POS and contactless transactions at merchants accepting the network. Some programme-specific cards may restrict merchant categories or international use. Ensure the card is activated and PIN/online access is enabled.

Reload methods depend on the card type. Options may include bank branches, online portals, kiosks or corporate dashboards. Transit or city cards can be recharged at metro stations or partner outlets. Limits depend on KYC status and programme rules.

Digital loads via UPI, IMPS or programme portals typically reflect instantly. Occasional delays may occur due to network issues. If funds are debited but not credited, retain the reference number and raise a reconciliation request.

Check your card balance first. If not updated, retain transaction details and contact customer support or your corporate administrator. The bank will verify the payment and either credit the card or initiate a refund.

Recurring reloads are commonly available in corporate prepaid programmes to automate allowances or payouts. For individual users, availability varies by product. Such automation ensures timely fund availability without manual effort.

Yes. Some cards restrict spending to approved merchant categories or impose daily or per-transaction limits. These controls help organisations manage expenses and prevent misuse while supporting budgeting and compliance.

Balance and transaction history can be checked via the prepaid card portal, SMS services (if enabled) or customer support. Corporate dashboards may offer detailed reports. Regular monitoring helps manage spending and detect irregular activity.

Yes. Many prepaid programmes provide downloadable statements in formats such as PDF, Excel or CSV for reconciliation, reporting and audits. Availability depends on the specific card and programme tools.

Contact details can be updated via branches, registered email or corporate administrators. Once processed, customers receive confirmation. Keeping details updated ensures timely receipt of alerts and OTPs.

A card may be blocked due to incomplete KYC, prolonged inactivity, incorrect PIN attempts or suspected fraud. To unblock it, follow verification steps through customer support or programme channels. Once completed, the card is reactivated.

Load and balance limits depend on the card’s KYC status and programme rules. Limited-KYC cards have lower caps, while full-KYC cards allow higher balances, greater reload flexibility and broader usage, including ATM access where permitted.

Yes. Most prepaid cards support online, POS and contactless transactions at merchants accepting the network. Some programme-specific cards may restrict merchant categories or international use. Ensure the card is activated and PIN/online access is enabled.

Reload methods depend on the card type. Options may include bank branches, online portals, kiosks or corporate dashboards. Transit or city cards can be recharged at metro stations or partner outlets. Limits depend on KYC status and programme rules.

Digital loads via UPI, IMPS or programme portals typically reflect instantly. Occasional delays may occur due to network issues. If funds are debited but not credited, retain the reference number and raise a reconciliation request.

Check your card balance first. If not updated, retain transaction details and contact customer support or your corporate administrator. The bank will verify the payment and either credit the card or initiate a refund.

Recurring reloads are commonly available in corporate prepaid programmes to automate allowances or payouts. For individual users, availability varies by product. Such automation ensures timely fund availability without manual effort.

Yes. Some cards restrict spending to approved merchant categories or impose daily or per-transaction limits. These controls help organisations manage expenses and prevent misuse while supporting budgeting and compliance.

Balance and transaction history can be checked via the prepaid card portal, SMS services (if enabled) or customer support. Corporate dashboards may offer detailed reports. Regular monitoring helps manage spending and detect irregular activity.

Yes. Many prepaid programmes provide downloadable statements in formats such as PDF, Excel or CSV for reconciliation, reporting and audits. Availability depends on the specific card and programme tools.

Contact details can be updated via branches, registered email or corporate administrators. Once processed, customers receive confirmation. Keeping details updated ensures timely receipt of alerts and OTPs.

A card may be blocked due to incomplete KYC, prolonged inactivity, incorrect PIN attempts or suspected fraud. To unblock it, follow verification steps through customer support or programme channels. Once completed, the card is reactivated.

Load and balance limits depend on the card’s KYC status and programme rules. Limited-KYC cards have lower caps, while full-KYC cards allow higher balances, greater reload flexibility and broader usage, including ATM access where permitted.

Dispute timelines vary based on issue complexity and network rules. Simple cases may resolve quickly, while chargebacks requiring merchant or network verification take longer. The bank provides regular updates throughout the process.

If your issue remains unresolved at the primary support level, escalate it to ICICI Bank’s Nodal Officer. If still unsatisfied, you may approach the RBI Banking Ombudsman. Providing complete transaction details helps speed up resolution.

Dispute timelines vary based on issue complexity and network rules. Simple cases may resolve quickly, while chargebacks requiring merchant or network verification take longer. The bank provides regular updates throughout the process.

If your issue remains unresolved at the primary support level, escalate it to ICICI Bank’s Nodal Officer. If still unsatisfied, you may approach the RBI Banking Ombudsman. Providing complete transaction details helps speed up resolution.

Support for subscriptions depends on the card type. Full-KYC reloadable cards may allow recurring payments if permitted by the network and merchant, while gift and closed-loop cards typically do not.

Most prepaid programmes offer SMS and email alerts free of cost. If any notification is chargeable, it will be clearly stated in programme terms. Alerts help track transactions and enhance security.

If a programme is discontinued, ICICI Bank and programme partners issue official guidelines for using remaining balances or requesting refunds. Customers receive timelines, documentation instructions and support contacts, ensuring funds remain protected and recoverable.

The card typically carries a multi-year validity period—commonly five years from issuance—during which it can be used for POS, online and ATM transactions until expiry. Cardholders should request replacement before expiry to retain continuity and preserve the remaining balance.

Yes, the card is widely accepted at merchants and ATMs that support the card network used by the prepaid instrument, making it suitable for general retail, online purchases and cash withdrawals within domestic acceptance limits.

Yes, the card remains usable until its printed expiry date and is not tied to enrollment status. Cardholders can continue using it post-completion until the card expires, after which a replacement or refund process is available. In some cases, The validity depends in the arrangement with corporate.

No linked savings account is required; the card functions independently on a preloaded balance and can be funded from any bank account or payment app authorised for reloads.

Yes, institutions can coordinate bulk issuance and distribution through established onboarding and KYC processes to facilitate campus payments, canteen services and fee collections, subject to programme arrangements.

Yes, the card can be used for in-app purchases where card payments with OTP verification are accepted; cardholders should avoid saving card details on shared devices for security.

Yes, layered security—chip/PIN, OTP authentication, and balance limits—combined with parental oversight and instant blocking options, makes the card a safe way for minors to learn digital payments with limited financial exposure.

Yes, the card can be used for domestic travel bookings on merchant platforms that accept card payments, provided OTP authentication is supported for the transaction.

Yes, the card can be used for fee payments both online (with OTP authentication) and at POS terminals where educational institutions accept card payments, facilitating secure tuition and fee transactions.

Yes, the card supports purchases on e-learning platforms and apps that accept domestic card payments, with OTP-based authentication securing each transaction.

Yes. The card remains active until its expiry date irrespective of enrollment, allowing continued use for transactions until replacement or closure is initiated.

Yes, the card supports purchases on e-learning platforms and apps that accept domestic card payments, with OTP-based authentication securing each transaction.

Yes, in-app purchases are supported where the platform accepts card payments and OTP verification; parents should supervise reloading and usage to control spending.

No, it does not generate credit-card-style monthly statements; instead, transaction logs and balance details are accessible via digital portals or on request from customer care.

No, the card is intended for domestic use only and does not support overseas transactions or international merchant acceptance.

Yes, ATM withdrawals are possible at ATMs within the domestic network where cash-out is enabled, subject to available balance and per-withdrawal fees.

No, the card is a prepaid instrument and does not offer credit facilities, loans or EMI conversion; spending is limited to the preloaded balance.

No. Prepaid card balances represent stored value and cannot be used as collateral for loans or overdrafts. Customers seeking secured facilities should explore alternatives such as fixed deposits or savings-linked products.

Support for subscriptions depends on the card type. Full-KYC reloadable cards may allow recurring payments if permitted by the network and merchant, while gift and closed-loop cards typically do not.

Most prepaid programmes offer SMS and email alerts free of cost. If any notification is chargeable, it will be clearly stated in programme terms. Alerts help track transactions and enhance security.

If a programme is discontinued, ICICI Bank and programme partners issue official guidelines for using remaining balances or requesting refunds. Customers receive timelines, documentation instructions and support contacts, ensuring funds remain protected and recoverable.

No. Prepaid card balances represent stored value and cannot be used as collateral for loans or overdrafts. Customers seeking secured facilities should explore alternatives such as fixed deposits or savings-linked products.

No bank account is required. The card operates independently on a load-and-use basis, allowing parents or guardians to add funds from their own accounts via digital transfers or payment apps without opening a separate account for the student. This setup increases accessibility while keeping transactions traceable and controlled.

Activation usually occurs within a few working hours after KYC verification, allowing quick access to card features. Once activated, the cardholder receives credentials for PIN-based POS use and OTP-based online transactions. Timely submission of accurate documents speeds up activation and enables immediate use for purchases and withdrawals where supported.

Issuance and activation require KYC documents such as government-issued identity and address proof; for minors, guardian identification and consent may also be required. Biometric or OTP-based Aadhaar verification may be used where applicable. After successful KYC verification, the card is activated and ready for use. Keeping accurate documents ensures smooth issuance, replacement and refund processing when needed.

An inactivity fee of Rs 25+GST may apply to expired cards that are not replaced within the permitted window, typically charged periodically until closure or refund. Active cards with occasional use are not charged this fee. To avoid inactivity charges, monitor the card’s validity and request replacement before expiry or apply for refund/closure promptly if the card is no longer needed.

POS and online transactions are generally free of additional charges, encouraging digital payments over cash withdrawals. Online purchases require OTP authentication for security, but the cardholder typically does not incur per-transaction fees for normal merchant transactions. Merchant convenience fees, if any, are levied by the merchant, not the prepaid card provider.

If the card remains unused until expiry and is not replaced, inactivity fees or dormancy rules may apply and the balance may require a formal refund process. Active but infrequently used cards typically do not attract inactivity fees. Users should monitor validity and request replacement or refund to avoid charges and ensure access to stored funds.

Typical fees include a one-time issuance charge of Rs.299+GST and an annual fee of Rs.199+GST for subsequent years, along with nominal manual loading charges and ATM withdrawal fees. POS and online transactions are usually free, but service-specific charges such as replacement or refund processing may apply. All fees vary by programme rules and should be checked at the time of purchase to understand the exact cost structure.

Parents can load funds via digital transfers or apps, monitor transactions through self-care portal , and block or request replacement if needed. They typically assist with KYC and activation and can set reload frequency and amounts to guide responsible spending while maintaining oversight and security.

Yes, funds can be reloaded using digital channels such as UPI, IMPS, NEFT. Reloads usually reflect quickly, and manual branch loads may attract a small fee. Multiple reloads enable flexible budgeting for recurring or ad-hoc needs.

Yes, the card can be used for online purchases where domestic card payments are accepted, with OTP-based verification used to authorise transactions. This makes digital learning subscriptions, e-commerce and fee payments accessible while retaining security through one-time authentication.

Yes, balance inquiries can be made by calling customer care or via ATM balance inquiry using the card and PIN. These options provide access for users without app or internet access, subject to verification steps for security.

Customer support is available via a dedicated helpline and branch service for in-person assistance, as well as through digital self-care portals for routine queries. Support covers blocking lost cards, replacement requests, balance and transaction enquiries, KYC updates and dispute handling.

Report the transaction immediately to customer care at 1800 1080 with details such as date, amount and merchant. The provider will log the dispute, investigate with payment networks and merchants, and request supporting documents if needed. Prompt reporting improves the chances of a favourable resolution and possible reversal.

Do not share the OTP and report the event to customer care immediately. Consider blocking the card as a precaution. Prompt action prevents unauthorised transactions and helps customer support investigate potential fraud and secure the account.

Student-focused discounts and promotional offers may be available from partner merchants across shopping, dining and other categories. Offers change periodically and are communicated through official channels; checking current promotions helps maximise card value.

Balance and transaction history can be checked through ATMs or a self-care portal where available, or by contacting customer care. Regular monitoring helps parents and students track spending and maintain budgeting discipline.