ICICI Bank Debit Card Charges | Annual Fees, ATM & Transaction Charges

Key Takeaways:
 

• ICICI Bank debit card charges vary depending on the card variant, usage frequency, and type of account. 
   
• Understand the ICICI debit card annual charges to avoid unnecessary renewal and replacement costs while choosing the right debit card type.
   
• Comparing ICICI debit card types and charges ensures users select a card that fits their spending habits, travel needs, and transaction patterns.
   

Bonus Tip: For both ICICI Bank debit card charges for savings accounts and ICICI Bank debit card charges for salary accounts, maintaining an adequate balance and using ICICI ATMs can significantly reduce overall fees.

Delhi weddings are not just events, they’re full-blown Bollywood blockbusters. Meet Priya Sharma, a 26-year-old marketing executive from South Delhi, who was knee-deep in her shaadi shopping spree. From glimmering lehengas in Lajpat Nagar to designer knock-offs in Sarojini Nagar, she was shopping smart. 

Priya had done her homework, especially when it came to ICICI Bank debit card charges. She wasn’t just hunting for the perfect sangeet outfit; she was also making sure every purchase made with her ICICI debit card was well within her budget. Her mind was filled with the question, "What are the ICICI debit card annual charges?” For her, understanding ICICI Bank debit card charges per day, transaction fees, annual/renewal costs, and even ICICI Bank Rupay debit card charges is part of her bridal budget choreography. 

ICICI Bank debit card charges include annual fees, replacement fees, ATM withdrawal costs, and international transaction charges, varying by card type. She went through ICICI Bank’s published schedule and found that charges include annual fees, replacement fees, international mark-ups, and more. This small step saved her from unnecessary costs later.

ICICI Bank Debit Card Annual Charges

Priya’s fiancé teased her, “Tu toh mehendi aur budget ki expert ho gayi!” And she responded, “Chalo phir, let’s see the annual fee table before I tap for the sangeet lehenga!” Below is a snapshot of ICICI debit card types and charges, focusing on joining/renewal and replacement fees.
 

Note: The figures are subject to change, so always check the official schedule.

ICICI Bank Debit Card Withdrawal Charges

After her saree spree, Priya sometimes needs cash for boutique fittings or henna bookings. That’s when she checks what the withdrawal rules are, under the ICICI Bank debit card charges. Here’s what she found:

• At ICICI Bank ATMs: In many cases, free up to the permitted limit (or subject to the bank’s transaction count policy). 
   
• At non-ICICI ATMs (domestic): In NRI schedule: ₹23 per financial transaction (post a certain number of free ones) + GST.
   
• At International ATMs: ₹125 per transaction + 3.5% currency conversion mark-up.

So when Priya is negotiating for her honeymoon suite abroad, she knows swiping abroad will incur a bigger fee. So, she had to plan accordingly.

ICICI Bank Debit Card Per-Transaction Charges

Whether Priya is buying a pair of bangles or booking her wedding caterer, she checks her expenditure on a transaction charge, as well.

• Online/retail transactions: Generally, no extra fee apart from the normal bill amount. As per sources, apart from the annual fee, the bank does not charge the user for using the ICICI Bank debit card for retail or online transactions.
   
• Foreign currency purchases: Markup of 3.5% applies.
   
• On-card EMI or special services: Additional processing fees may apply.

Priya makes a personal note, “Buying 50 pairs of juttis is fun, but paying extra for each swipe is not, so I need to choose normal purchases within India whenever possible.”

ICICI Bank Debit Card Declined Charges

Just like a director yells “Cut!” mid-scene, Priya’s swipe can get declined. And guess what? There’s a fee for that, too.

• Declined transaction (insufficient funds or at a non-ICICI ATM/merchant): ₹25 + GST per rejection.
   
• Replacement due to lost/stolen card: Typically ₹200 + GST. 

Priya tried to purchase her favourite lehenga at the last moment, but it went out of stock, right when she made the payment. Sadly, neither could she buy the lehenga, nor could she save herself from the debit card declined charges.

How to Check ICICI Bank Debit Card Charges 

Before finishing her Bollywood-style montage of shopping, Priya does this backstage move: checking the ICICI Bank debit card charges for her savings account. The steps included:

• Visit ICICI Bank’s official “Schedule Charges of ICICI Bank Debit Card” page.
   
• Under the “Debit Card Variant / Fees & Charges” section (joining, annual, replacement, international fees).
   
• Check your specific account statement monthly for any surprise fees.
   
• Use the bank’s mobile app or net-banking to view card limits and fees.

With thorough research, Priya was prepared for her wedding shopping spree like a diva she is!

How to Avoid / Reduce ICICI Bank Debit Card Charges

Here are Priya’s secret tricks, think of them as cheat codes for your wedding debit-card saga:

• Choose a variant based on use: If you’re just shopping in Delhi and not traveling abroad, you might opt for a simpler card with a lower annual fee (reducing the ICICI debit card annual charges).
   
• Use ICICI ATMs or count how many free transactions you get to avoid ATM withdrawal charges.
   
• For foreign trips or big international spends: Use cards with favourable international terms and minimize ATM usage abroad (reducing ICICI Bank debit card charges for international transactions).
   
• Keep account balance healthy to avoid failed swipes/decline fees.
   
• Monitor transactions per day (before you hit any implied limit, keeping your ICICI Bank debit card charges per day in check).
   
• Redeem offers or reward programmes frequently, so value > cost.

Priya’s mantra, “In my wedding montage I want cake, music and memories, not fees sneaking up like an uninvited relative.”

Conclusion: Priya’s Grand Finale

As Priya stands under the wedding lights, surrounded by lehengas, sparkles, and the hum of Bollywood tracks, she also knows one thing: her debit-card fees won’t crash the party. Because she mastered the art of knowing the ICICI debit card types and charges. In her story, there’s drama, there’s glamour, and there’s smart finance. Because in the world of bank charges, you want to be the heroine, not the extra blooper. Swipe smart, spend smart, and let your wedding shopping saga be all about shimmer, and not surprise bank billers.

FAQs:

Can you get a fine for exceeding the number of ATM transactions?
If you exceed the free ATM transactions allowed, ICICI Bank may charge hefty fees per extra transaction.

Are there any hidden charges as such? 
Some users have reported that there are no ICICI Bank debit card charges for salary accounts, but they may be offered a credit card with an annual fee.

How do I cancel my ICICI debit card protection plan?
If your one assist plan is activated, just call on the customer care number: 1800 123 3330. Ask them to transfer your call to the cancellation department. Ask the cancellation department to cancel your plan. They will proceed and later you will receive a final confirmation call from a customer care executive. All of your money will be credited to your account after a few days. 

How do I cancel an ICICI Debit Card?
You can contact your branch’s officers incharge of the credit/debit card department. Submit a letter duly signed by you requesting cancellation of the card. Branch will verify the details pending bill payments and other charges if any and recover the same and cancel the debit card.

What is the annual fee for ICICI Bank’s basic Expressions debit card?
The joining fee is ₹499 + GST, and the annual fee is ₹599 + GST from the second year onwards. 

Are there fees when I use my ICICI debit card abroad?
Yes, withdrawals at overseas ATMs are ₹125 per transaction plus 3.5% currency-conversion mark-up. 

Does ICICI charge for retail or online purchases made domestically?
No, generally ICICI Bank does not impose extra charges for domestic retail/online transactions apart from the standard fees.

What happens if my card transaction is declined due to insufficient funds?
The bank may charge a declined-transaction fee of around ₹25 + GST when the transaction fails at a non-ICICI ATM/merchant. 

 

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