Author
LoansJagat Team
Read Time
15 Minute
21 Mar 2025
ICICI Bank Debit Card – Features, Benefits & Application Guide
Ananya never liked carrying cash; it was too slow and too risky. But ever since she got her ICICI Bank Debit Card, life has become effortless.
One day, rushing through a grocery run, she simply tapped her card at checkout, and ₹3,500 was paid instantly with contactless payment (no PIN needed for purchases up to ₹5,000). No fumbling for change, no wasted time.
What made it even better? Rewards Points on every spend, 15% discounts at top restaurants, and complimentary insurance, all packed into one smart card.
Fast, secure, and rewarding, the ICICI Bank Debit Card made her life smoother in every way.
Top ICICI Bank Debit Cards for 2025
Debit Card | Key Features | Limitations | Tips |
ICICI Bank Coral Debit Card | Earn 2 points per ₹200 spent domestically and 4 points on international transactions. | Annual Fee: ₹499 + GST | Ideal for those who frequently travel internationally and dine out. |
Buy 1 Get 1 free movie tickets monthly. | Handling fee for redeeming reward points. | Take advantage of dining discounts at over 2,500 restaurants. | |
Minimum 15% off at 2,500+ partner restaurants under the Culinary Treats Programme. | |||
Complimentary domestic airport lounge access. | |||
ICICI Bank Expressions Debit Card | Personalise your card with an image of your choice. | Issuance fee of ₹499 + GST | Great for those who want a personalised card design. |
Welcome gift vouchers from brands like Kaya Skin Clinic and Tata CLiQ. | Lower reward points compared to premium cards. | Suitable for those who enjoy occasional shopping and brand vouchers. | |
Earn 1 point for every ₹200 spent. | |||
ICICI Bank Wealth Select Debit Card | High transaction limits for withdrawals and purchases. | Exclusively for Wealth Management account holders. | A good option if you have high spending needs and want premium services. |
Includes air accident and personal accident insurance coverage. | Requires a significant account balance. | Take advantage of comprehensive insurance coverage and 24/7 concierge services. | |
Access to 24x7 global concierge services. | |||
ICICI Bank Unifare Metro Debit Card | Integrated with Metro Smart Card functionality for travel. | Metro benefits are limited to specific networks. | Perfect for daily metro commuters. |
The auto top-up facility when the balance falls below a threshold. | Issuance fee for the card. | Useful for frequent metro riders who want seamless payment and travel benefits. | |
Earn points on retail purchases. |
ICICI Bank Debit Card Eligibility
Debit Card | Eligibility Criteria | Example |
General Eligibility | All ICICI Bank Savings and Current Account holders are eligible for a debit card. | If you hold a standard savings or current account with ICICI Bank, you can apply for any debit card offered. |
ICICI Bank Coral Debit Card | Typically offered to customers maintaining a certain minimum balance in their savings account or as part of specific account packages. | A customer with a savings account maintaining a minimum balance of ₹25,000 may be eligible for this card. |
ICICI Bank Expressions Debit Card | Available to customers who wish to personalise their debit card with an image of their choice. An issuance fee applies. | A customer who wants a card with a custom image (such as a family photo) and is willing to pay the ₹499 issuance fee. |
ICICI Bank Wealth Select Debit Card | Exclusive to Wealth Management account holders who maintain a substantial account balance. | A customer with a Wealth Management account maintains an account balance of ₹10 lakhs or more. |
ICICI Bank Unifare Metro Debit Card | Designed for metro commuters who frequently use metro services. Combines debit card and metro smart card functions. | A frequent metro user in Delhi, Mumbai, or Bengaluru may apply for this card to access metro services and earn rewards. |
Features & Benefits of ICICI Bank Debit Card
Feature | Details | Example | Tips |
High Daily Spending Limits | ₹1,00,000 for ATM withdrawals (Domestic) | You can withdraw up to ₹1,00,000 in a day from ATMs in India. | Ideal for high-spending individuals who need to make large purchases or withdrawals. |
₹5,00,000 for retail & online purchases (Domestic) | Spend up to ₹5,00,000 daily at retail outlets or online websites in India. | Ensure you keep track of your daily limits to avoid any interruptions in transactions. | |
₹2,00,000 for both ATM withdrawals and retail/online purchases (International) | You can withdraw up to ₹2,00,000 or make purchases for the same amount abroad. | International travellers will benefit from the high withdrawal and purchase limits. | |
Airport Lounge Access | Maximum 2 complimentary accesses per calendar quarter at participating lounges. | Spend ₹10,000 in a quarter (e.g., July to September) and get 2 complimentary lounge accesses in the following quarter (October to December). | Make sure to track your spending for the previous quarter to avail yourself of the lounge access. |
Minimum spend of ₹10,000 in the previous quarter to avail lounge access. | Take advantage of this if you travel frequently. | ||
Zero Surcharge on Fuel Purchases | No fuel surcharge at selected government petrol outlets (HPCL/ IOCL/ BPCL) when using ICICI Bank swipe machines. | Purchase fuel at HPCL and BPCL outlets using an ICICI Bank card, and you won’t be charged any extra surcharge. | Use ICICI Bank's swipe machines at government petrol stations to avoid fuel surcharges. |
A surcharge may apply at non-ICICI Bank swipe machines, but it will be refunded once ICICI Bank receives a refund from the acquiring bank. | If you use a non-ICICI swipe machine at a fuel outlet, a surcharge might apply, but it will be reversed. | Always check if the swipe machine is ICICI Bank's for hassle-free fuel payments. | |
Earn ICICI Bank Rewards | 2 ICICI Bank Reward Points for every ₹200 spent domestically. | Spend ₹200 on a domestic purchase and earn 2 reward points. | Use your card frequently for domestic purchases to rack up reward points. |
4 ICICI Bank Reward Points for every ₹200 spent internationally. | Spend ₹200 on international transactions and earn 4 reward points. | International shoppers can maximise the reward points earned with this benefit. | |
Rewards Exclusions | No rewards on certain categories such as fuel, utilities, telecom, education, insurance, etc. | If you spend ₹200 on fuel, it won’t count toward your reward points. | Avoid spending in the excluded categories if you're aiming to collect more reward points. |
Tips
- Maximising Lounge Access: Track your spending every quarter to ensure you qualify for complimentary lounge access.
- Fuel Surcharge: Always use ICICI Bank’s swipe machine at selected government outlets to avoid the fuel surcharge.
- Reward Points: For optimal rewards, use the card for domestic and international retail purchases, but avoid excluded categories like utilities or insurance.
- High Spending: The card is excellent for those who make significant domestic or international purchases, offering generous limits and reward points.
How to Apply for an ICICI Bank Debit Card
Here’s a step-by-step guide for applying for an ICICI Bank debit card, both online and offline:
Online Application
For Existing Account Holders
Step 1: Log in to your ICICI Bank Internet Banking account.
Step 2: Go to the 'Cards & Loans' section.
Step 3: Select 'Debit/ATM Card. '
Step 4: Choose 'Request for a new card'.
Step 5: Follow the on-screen instructions to complete your application.
For iMobile app
Step 1: Log in to the iMobile app.
Step 2: Go to 'Services' > 'Card Services' > 'Debit Card'.
Step 3: Select 'Request New Card. '
Step 4: Complete the application by following the instructions.
For New Customers
Step 1: Open a savings or current account with ICICI Bank online.
Step 2: During the account opening process, opt for a debit card.
Step 3: Complete the account opening procedure.
Offline Application
Visit an ICICI Bank Branch
Step 1: Visit your nearest ICICI Bank branch.
Step 2: Request the debit card application form from the bank representative.
Step 3: Fill out the application form with your accurate account details.
Step 4: Submit the form along with the required identification documents (e.g., Aadhaar, passport).
Step 5: Wait for confirmation of your application and the dispatch details.
Card Dispatch Notification:
Step 1: After processing, you will receive a notification via email or SMS regarding your debit card’s dispatch.
Step 2: Wait for the card to be delivered to your registered address.
Important Notes:
- Update Contact Information: Ensure your mobile number and email address are updated with the bank to receive timely notifications.
- Card Activation: Once the debit card is received, activate it through ICICI Bank ATMs, Internet Banking, or the iMobile app.
Tips
- Online Process: Online application (via Internet Banking or iMobile) is fast and convenient for existing customers.
- Branch Visit: New customers can apply for a card while opening an account at the branch.
- Required Documents: Ensure you have all necessary documents when applying offline to avoid delays.
ICICI Bank Debit Card Cash Withdrawal Limitations
Debit Card | Daily Cash Withdrawal Limit | Example | Tips |
Coral Plus Debit Card | ₹1,50,000 per day | You withdraw ₹1,00,000 for a personal transaction. Since the daily limit is ₹1,50,000, the withdrawal is within the limit. | Ideal for individuals with high withdrawal needs. Keep track of your daily limit to avoid issues. |
Expressions Debit Card | ₹1,00,000 per day | You withdraw ₹50,000 for an urgent expense. The daily limit is ₹1,00,000, so you can still withdraw ₹50,000 more if needed. | Use the card for regular expenses. Avoid exceeding the limit for smooth transactions. |
Platinum Debit Card | ₹1,00,000 per day | You withdraw ₹75,000 for shopping. Since the daily limit is ₹1,00,000, you can withdraw the amount without any issue. | Great for daily use; keep in mind the withdrawal limit for larger cash needs. |
Titanium Debit Card | ₹1,00,000 per day | You withdraw ₹40,000 for groceries and bills. The limit is ₹1,00,000, so the transaction is well within the allowable limit. | Suited for regular transactions; be aware of your limit to prevent disruptions. |
Sapphiro Debit Card | ₹2,50,000 per day | You withdraw ₹2,00,000 for a large purchase. The daily limit is ₹2,50,000, so this withdrawal is well within the limit. | Best for high-value cash withdrawals. Great for large cash needs. |
NRO Debit Card | ₹50,000 per day | You withdraw ₹30,000 for expenses. The limit is ₹50,000, so you can still withdraw ₹20,000 more on the same day. | Be aware of the daily limit for NRIs. Plan cash withdrawals accordingly, especially during travel. |
Important Notes
- Withdrawal Limit: The mentioned daily cash withdrawal limit refers to the total amount you can withdraw in 24 hours from ICICI Bank ATMs or any other ATMs.
- Account Type and Policies: Limits may vary depending on your account type and specific bank policies. Always check with ICICI Bank for the most accurate details.
Tips
- Track Withdrawals: Monitor your daily withdrawals, especially if you have large expenses. Exceeding the limit may result in transaction failures.
- Plan Withdrawals: If you need a large amount of cash, plan and be mindful of the withdrawal limit.
- ATM Fees: Be aware of any additional fees for using non-ICICI Bank ATMs.
ICICI Bank Debit Card Offers
Benefit | Details | Example | Tips |
Welcome Offer | New debit cardholders can earn a cashback of ₹300 by making at least three transactions of ₹500 or more within two months of account opening. To participate, register by giving a missed call to 8758088999 from your registered mobile number. | You make three ₹500 transactions within two months. After registering, you earn ₹300 cashback. | Ensure you make the three transactions within the specified timeframe to qualify for cashback. |
Reward Points | Earn up to 4 PAYBACK Reward Points for every ₹200 spent using your ICICI Bank Debit Card. These points can be redeemed for products and services. | You spend ₹600 using your debit card. You earn 12 PAYBACK points (₹600 ÷ ₹200 = 3 points x 4). | Keep track of your rewards to redeem them for useful products or discounts. Accumulate points for bigger rewards. |
Dining Discounts | Enjoy a minimum of 15% savings on dining bills at over 2,500 participating restaurants across India when you pay with your ICICI Bank Debit Card. | You dine at a participating restaurant with a bill of ₹2,000. You save ₹300 with the 15% discount. | Explore new dining experiences while saving on your meals. Check the list of participating restaurants before dining. |
Debit Card EMI | Convert high-value purchases into easy monthly instalments using the Debit Card EMI facility at partner merchants and online platforms. | You purchase ₹20,000 worth of electronics and convert it into monthly instalments over 6 months. | This is a great option for expensive purchases. Make sure to check eligibility and interest rates before using this option. |
Exclusive Deals | Access exclusive deals and discounts in shopping, travel, and entertainment through ICICI Bank's Offer Zone. These offers are updated regularly. | You find an exclusive 10% discount for booking flight tickets through the ICICI Bank Offer Zone. | Regularly check the Offer Zone for the latest deals and maximise your savings on travel, shopping, and entertainment. |
Important Notes
- Cashback: Ensure you meet the requirements for the welcome offer within the given time frame to receive the ₹300 cashback.
- Reward Points: Reward points can be redeemed for a wide variety of services, so be mindful of the redemption process and expiration date.
- EMI Facility: Debit Card EMI is an excellent option for high-value purchases, but check for eligibility and any associated fees before opting for it.
How to Activate ICICI Bank Debit Card
Here’s a step-by-step procedure to activate your ICICI Bank Debit Card using different methods:
Activating via Internet Banking
Step 1: Log in to your ICICI Bank Internet Banking account.
Step 2: Go to the 'Generate ATM PIN' or 'Debit Card PIN Generation' section.
Step 3: Enter your 16-digit debit card number and 3-digit CVV.
Step 4: Authenticate the request using the OTP sent to your registered mobile number.
Step 5: Set and confirm your new 4-digit ATM PIN.
Activating via iMobile Pay App
Step 1: Log in to the iMobile Pay app on your mobile.
Step 2: Go to 'Services' > 'Card Services' > 'Generate Debit Card PIN'.
Step 3: Choose your debit card and authenticate the request via OTP.
Step 4: Set and confirm your 4-digit PIN.
Activating via ICICI Bank ATM
Step 1: Visit an ICICI Bank ATM and insert your debit card.
Step 2: Select 'Generate ATM PIN' from the options on the screen.
Step 3: Choose 'Generate OTP. '
Step 4: Enter your registered mobile number and date of birth.
Step 5: Input the OTP you received on your mobile number and set your 4-digit PIN.
Activating via Customer Care
Step 1: Call ICICI Bank's customer care from your registered mobile number.
Step 2: Request PIN generation assistance.
Step 3: Follow the instructions provided by the customer care representative to set your new PIN.
Important Notes
- Ensure OTP Delivery: Make sure your mobile number is registered with the bank to receive OTPs for PIN generation.
- PIN Security: Always keep your 4-digit PIN secure and avoid sharing it with anyone.
- Activation Time: Activation via these methods is usually quick. However, ensure you follow each step correctly to avoid any delays.
How to Block Your ICICI Bank Debit Card
Method | Steps | Tips |
Internet Banking | Log In: Access your ICICI Bank Internet Banking account using your credentials. Go to Card Services: Go to the 'Cards & Loans' section and select 'Debit/ATM Card. Block the Card: Choose the 'Block Card' option, select the card to block, and confirm your request. | Ensure you are logged in securely and use the correct account credentials to avoid fraud. |
iMobile App | Log In: Open the iMobile app and enter your login credentials. Access Card Services: Go to 'Services' > 'Card Services' > 'Block/Unblock Debit Card'. Block the Card: Select the debit card to block and follow the on-screen instructions. | Make sure to update the app regularly to avoid issues with blocking cards via iMobile. |
Customer Care | Call the Helpline: Dial ICICI Bank's customer care number, 1860 120 7777, from your registered mobile number. Authenticate: Provide necessary verification details like your account number or personal info. Request Blocking: Inform the executive about your lost or compromised card and request blocking. | Always call from your registered mobile number for smooth verification. |
Branch Visit | Locate a Branch: Visit your nearest ICICI Bank branch. Inform Bank Staff: Speak to a bank representative about your lost or compromised card. Complete Formalities: Fill out the required forms to block the debit card. | Carry an identification document when visiting the branch to speed up the process. |
Important Notes
- Immediate Action: Always block your card as soon as you realise it is lost, stolen, or compromised to avoid unauthorised transactions.
- Card Destruction: After blocking, if you have the physical card, destroy it by cutting it into four pieces to prevent misuse.
- Temporary Blocking: You can temporarily block your card and unblock it later using Internet Banking or by contacting customer care.
Additional Tips
- Update Contact Information: Make sure your contact details (phone number, email) are updated with ICICI Bank for timely alerts and notifications.
- Monitor Transactions: Keep an eye on your bank account for any unauthorised transactions after blocking the card, and report them immediately.
- Keep Track of Card Number: If you have your card number recorded (e.g., on a note or in a secure place), it will be easier to provide the details during the blocking process.
FAQs Related to ICICI Bank Debit Card
Q. When does ICICI bank block the debit card of a user?
After three consecutive incorrect password entries at an ATM when making a cash withdrawal, ICICI Bank bans your debit card. If the user reports fraudulent activity or the card is stolen or misplaced, the bank may block the card upon request.
Q. How can I activate my ICICI Bank blocked card?
You can activate your blocked card in several methods, including offline and online. After successful verification, you can activate your debit card by going to the ICICI Bank branch that is closest to you. Using your login information, you can access your online banking account and finish the process.
Q. What should I do if I have lost my ICICI debit card?
You must notify customer service right away if you misplace your ICICI debit card. Another option is to ask them to provide a new debit card.
Other Bank Debit Cards | |||
About the Author
LoansJagat Team
We are a team of writers, editors, and proofreaders with 15+ years of experience in the finance field. We are your personal finance gurus! But, we will explain everything in simplified language. Our aim is to make personal and business finance easier for you. While we help you upgrade your financial knowledge, why don't you read some of our blogs?
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