ICICI Debit Card – Features, Benefits, How to Activate, Fees & Charges

To avail a ICICI Bank Debit Card, you need to fulfill the following eligibility criteria:

• You must be either a Resident of India or an NRE
  
• You must hold either a Savings, Current or Salary account with ICICI Bank

You should however, note that the eligibility conditions listed above are general. The kind of debit card issued against your bank account may differ depending on factors such as minimum account balance and account type, and your relationship with ICICI Bank depending upon your credit history and patterns.

The feature and benefits associated with different ICICI Bank debit cards may vary from one card variant to another. However, some general features of ICICI cards are listed below:

• ICICI debit cards are linked to your bank account and when you spend using a debit card, the money is deducted directly from your associated bank account
• Just like ICICI credit cards, ICICI Bank debit cards come with a host of benefits such as, fuel surcharge waiver, complimentary airport lounge access, entertainment, shopping benefits and more
• The bank enables you to control and manage your spending habits. Via ICICI NetBanking you can customize the withdrawal and shopping limits for POS and online transactions. Thus you do not need to visit the bank to make changes.
• The bank also provides exclusive EMI offers on debit cards like low-interest EMI or No-cost EMIs across top shopping portals. Read more about ICICI Debit Card EMI: Check Eligibility, Fee & Charges, Benefits
  
• ICICI debit cards also let you earn ICICI points on your purchases which can be redeemed to against several benefits and offers. The points can be earned across retail international & domestic transactions, depending upon the card type.
  

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Generally ICICI Bank Debit Cards are issued when you open a savings/current/salary account with ICICI bank. However, in case you did not get a debit card or are looking to apply for a new one, you can call the ICICI 24-hour customer care to make a request. You can also visit the branch or use internet banking to raise the debit card issuance request.

How to Apply for ICICI Bank Debit Card Online?

To apply for an ICICI debit card online, follow the below-mentioned steps:
Step 1: Log into your internet banking
Step 2: Click on Service Requests under the Customer Service tab
Step 3: Click on More under Bank Account
Step 4: Under ATM/Debit Card Related opt for Reissue of Lost ATM/Debit Card

Another way to apply for an ICICI Bank debit card online is to chat with the bank officials online, for this, you must:

Step 1: Click on Customer Service
Step 2: Click on May I Help You

You can now start chatting with an executive to raise a debit card issue request.

How to Apply for ICICI Debit Card Offline?

To apply for an ICICI bank debit card offline, you need to visit the bank’s branch and fill out an application form. Make sure to enter the correct account details and provide any documents needed. After submitting the form you will be notified regarding the dispatch of your debit card via email or SMS.

Some of the common ICICI Debit card charges are mentioned in the table below:

Click here to check other associated fees and charges.

After getting your debit card, you must activate it using your PIN in a few simple steps. ICICI debit card PIN generation can be done via both online and offline modes. The debit card can be activated offline by visiting the nearest ATM, here you will need to insert your card and generate a new Pin. You will also be asked to enter your registered mobile number. Another way is to call ICICI debit card customer care to raise a new debit card request.  For online pin generation, you can use internet banking or the iMobile App.

Q. How many types of debit cards are offered by ICICI Bank?

ICICI Bank offers debit cards under various categories such as Gemstone Debit Cards, Expressions Debit Cards, Personal Cards and Business Debit Cards.

Q. What is an Expression Debit Card offered by ICICI Bank?

With its Expressions Debit Cards, ICICI allows its customers to personalize their debit cards and choose a design from their gallery. Expression debit cards are for customers who would like their cards to be a reflection of their personality. The joining/annual fees charged by the bank for its Expressions debit card is Rs. 599 + GST.

Q. How can I block my ICICI debit card?

To block your ICICI debit card call the banks 24-hour toll free customer care numbers 1800-1080 / 1800-2600 / 1860-120-7777 or write an email at customer.care@icicibank.

Q. Can I earn cashback or rewards on my ICICI debit card?

Yes, you do earn a reward on your ICICI debit cards. These points can be redeemed as mentioned on the bank’s website. For more clarity of debit card points redemption, you can contact customer care as well.