ICICI Bank Debit Card – Features, Benefits & Application Guide

*T&C Apply

Applicants should review the application requirements and ensure they have the necessary documents before applying for an ICICI Bank debit card.

How can I reapply for an ICICI debit card online? 

After opening an account, ICICI Bank typically provides a primary debit card to you. If your ICICI Bank debit card is damaged, you can request a replacement. You can reapply through net banking or the mobile banking app. 

Here is the process to reapply for the ICICI Bank debit card online: 

1. iMobile app: 
2. Download the ICICI mobile banking app on your phone and register. 
3. Log in to the iMobile app using your 4-digit security PIN or other biometrics. 
4. The home page will open.
5. Click on the Services option. 
6. Select the card services option.
7. Click on reissue of the debit card.
8. Select the account number. 
9. Once you select the account number, the rest of the information will be auto-filled by the mobile banking app. 
10. Click the Submit option. 
11. Enter the 4-digit security PIN. 
12. The details will be displayed to you before submission. 
13. Review the details and click on Submit. 
14. An OTP will be sent to your registered mobile number. 
15. Enter the OTP. 
16. The request will be sent to your ICICI Bank account. 

      b) Net Banking: 

1. Open the official ICICI website.
2. Click on Log in. 
3. Select the personal banking option. 
4. Click on Continue to desktop login.
5. A page will open.
6. Enter the user ID and password. 
7. After logging in, the dashboard will open.
8. Click on the Debit and ATM card option.
9. A page will open.
10. You need to make sure the page shows only the option for a virtual debit card. 
11. So, if you need the physical debit card, you need to click on the bank account option in the above section of the page.
12. Click on Accounts.
13. Click on the Accounts option again. 
14. Click on the service request option. 
15. Click again on the bank account option. 
16. Select the ATM and debit card-related option. 
17. Click on Reissue of lost ATM or debit card.
18. A page will open showing your account number. 
19. Click on Submit. 
20. A page will open, and you need to select the address for dispatch for the debit card. 
21. Select the communication address.
22. A page will open displaying your communication address.
23. Select the debit card number.
24. Click on the ‘YES’ option.
25. Click on the confirmation checkbox.
26. Click on Submit.
27. Your details will be displayed to you for review.
28. After reviewing, click on Submit. 
29. After clicking on the Submit option, a message will be displayed on the screen showing that your request has been generated successfully. 

Customers should ensure their registered mobile number and communication address are up to date to avoid issues during the replacement process. 

Bottom line: 

ICICI Bank offers various debit card variants, including Sapphiro, Rubyx, Coral and Expressions, with features and benefits that differ by card type. These may include reward points on eligible transactions, airport lounge access, fuel surcharge waivers, and higher transaction limits, subject to the applicable terms and conditions. Customers can compare these features to identify a card that suits their spending and banking needs. Once they have selected a card, customers can use the bank’s online services, including the iMobile app and net banking, to request a debit card replacement or reissuance. Understanding the available benefits, eligibility requirements, and application procedures can help customers choose and manage their ICICI Bank debit cards effectively. 

FAQs: 

What is a debit card?

A debit card is a plastic or metal payment card issued by a bank that is linked to the cardholder’s bank account and allows them to make payments. This includes withdrawing cash from ATMs and carrying out other eligible transactions using the available account balance. 

What are the benefits of the ICICI Bank debit card? 

ICICI Bank debit cards offer various benefits, including rewards and airport lounge access, depending on the card variant. 

What types of debit cards are offered by ICICI Bank? 

ICICI Bank offers debit cards like the Rubyx debit card, Family debit card, Expression debit card, etc. 

Can I reapply for the debit card through the ICICI mobile banking app? 

One can reapply for the debit card through the ICICI mobile banking app if the primary debit card is lost or damaged. 

What are the benefits of the Rubyx Debit card on international transactions? 

If you spend ₹200 or more on international transactions, you may get 6 reward points on your Rubyx debit card. 

Can I get the debit card if I do not have an ICICI account? 

Generally, one may not get the debit card without opening an account in the bank. 

What is an ICICI Family debit card? 

The ICICI Bank Family Debit Card is a versatile debit card that offers convenience and security for family banking needs. With this card, you can make online and offline transactions, earn reward points, enjoy complimentary access to airport lounges, have no surcharge on fuel purchases at selected petrol pumps, and enjoy Zero Liability Protection. However, ICICI Bank is currently not offering the Family Debit Card.

What are debit card reward points? 

Debit card reward points are rewards that banks give to their customers when they spend money using their debit cards. 

What are the benefits of using a debit card? 

The benefits of using a debit card are that you do not need to carry a large amount of cash, and payments can be made easily digitally.  

Can an NRI hold an ICICI Bank debit card? 

Yes, eligible NRE/NRO account holders can obtain an ICICI Bank NRI Debit Card.