Frequently Asked Questions
What is the ICICI Bank Travel Card?
ICICI Bank Travel Card is a pre-paid foreign currency card that makes your foreign trip totally hassle-free and convenient. You can load this pre-paid card with foreign currency in India and use it to withdraw cash in the local currency from VISA / MASTERCARD / AMERICAN EXPRESS® ATMs and merchant establishments accepting VISA / MASTERCARD / AMERICAN EXPRESS® Flag cards.

The Card is sold through ICICI Bank branches and select money changers. The Card also comes with never before features including travel insurance, emergency assistance, advanced account management features.
In which currencies are the ICICI Bank Travel Card available in?
VISA
  1. US Dollars
  2. Euro
  3. Pound Sterling
  4. Swiss Francs
  5. Australian Dollars
  6. Canadian Dollars
  7. Singapore Dollar
  8. Japanese Yen
  9. Arab Emirate Dirham
MASTERCARD
  1. US Dollars
AMERICAN EXPRESS®
  1. US Dollars
So the US Dollar card will have USD loaded on to it (just like the USD Traveler's Cheque). The Card will work in all countries and will dispense local currencies only on usage at ATMs, but in case the US Dollar card is used in say Europe, conversion charges from USD to Euro will be applicable.

Where I can buy the Travel Card?
You Can apply at Select ICICI Bank Branches or Select FFMC Branch . You can also buy ICICI Bank Visa Travel Card online and it will be delivered at your doorstep* . Click at Buy Online to know more.

*Presently, the delivery of ICICI Bank Visa Travel Card is available only in Bangalore, Chennai, Delhi, Hyderabad, Mumbai and Pune.

Download ICICI Bank Branch Address from here
Download FFMC Branches Address from here

Why should I use an ICICI Bank Travel Card?
An ICICI Bank Travel Card ensures that you have a hassle free business or pleasure trip abroad. Instead of spending time encashing travelers cheques or changing money though Money Changers, The ICICI Bank Travel Card ensures that you have 24-hours instant access to your funds. Apart from time and effort, you would also save money by getting the most competitive foreign exchange rates. Since it is a pre-paid card, it also helps you budget and plan your expenses.

It also ensures that you spend your time in your business or leisure trip or abroad productively with an assurance of having an access to a wide network of people who are in stand by in case you were to need any help.

How do I buy an ICICI Bank Travel Card?
Visit select ICICI Bank Branch or select money changers (For Details, please call up our Customer Care Centre). Keep the following documents ready:
  • Passport
  • A2 form
  • PAN / Form 60 (in case cash paid above Rs.25,000)
On submitting a cheque for the desired amount, you will get your Travel Card immediately.

You can also buy ICICI Bank Visa Travel Card online and it will be delivered at your doorstep*. Click at Buy Online to know more.

Steps to Buy ICICI Bank Visa Travel Card online
  1. Provide amount of forex required, travel and delivery details
  2. Pay through your ICICI Bank Internet Banking
  3. Hand over the required documents to our representative on forex delivery
*Presently, the delivery of ICICI Bank Visa Travel Card is available only in Bangalore, Chennai, Delhi, Hyderabad, Mumbai and Pune.

How does this pre-paid card work?
Your pre-paid Travel card is loaded with funds at the time of purchase. You can use the card for cash withdrawal or for shopping at merchant outlets. With each transaction, the remaining value on the card decreases. You can continue to use your card as long as some funds remain on the card account. You can reload the card with more funds before your next trip when you return to India.

This card cannot be used in India, Nepal & Bhutan.

What is the schedule of charges?
Schedule of Charges

Charges

Amount*

 

US Dollar Card

Euro Card

GBP Card

AUD Card

CAD
Card

Swiss Franc Card

SGD Card JPY
Card
AED
Card
Card Fees and Replacement Fees One time card joining fee Rs.
150
Rs.
150
Rs.
150
Rs.
150
Rs.
150
Rs.
150
Rs. 150 Rs. 150 Rs. 150

 

Reload fee Rs.
100
Rs. 100 Rs. 100 Rs. 100 Rs. 100 Rs.
100
Rs. 100 Rs. 100 Rs. 100

 

Lost card replacement charges at foreign locations USD
20.00
USD
20.00
USD
20.00
USD
20.00
USD
20.00
USD
20.00
USD
20.00
USD
20.00
USD
20.00

 

Lost card replacement in India USD
3.00
USD
3.00
USD
3.00
USD
3.00
USD
3.00
USD
3.00
USD
3.00
USD
3.00
USD
3.00
ATM Usage Fees** Cash withdrawal at ATMs USD
1.50
EURO
1.50
GBP
1.50
AUD
1.50
CAD
1.50
CHF
1.50
SGD
3.00
JPY
200
AED
6.00

 

Balance enquiry at ATMs^ USD
0.50
EURO
0.50
GBP
0.50
AUD
0.50
CAD
0.50
CHF
0.50
SGD
1.00
JPY
60
AED
2.00
Payments to merchants directly using POS terminals NIL NIL NIL NIL NIL NIL NIL NIL NIL
E-Commerce NIL NIL NIL NIL NIL NIL NIL NIL NIL
*Some of the ATM acquires charge additional ATM fee. You are advised to check the same before the usage.
**Service Tax Extra as applicable.
^Not Available on ICICI Bank American Express®

What needs to be done incase Hotels/Car Rentals take a Pre-Authorization?
Hotels/Car Rentals before check-in/renting services etc, take a pre-auth on your card. A Pre-Auth is essentially blocking of certain amount on your card which becomes unaccessible to you unless gets settled. We recommend that you DO NOT use your ICICI Bank Travel Card at the time of checking-in or initiating a rental. Use any other credit/debit card for making the reservations. At the time of checking out of the hotel/settling the bill, you should:
  • Ask the executive to settle the final bill against the pre-auth that was taken.
  • Ask the executive to cancel the pre-auth (credit back the amount) that was taken and settle the bill by taking an authorization for the actual bill amount.
  • Ask the executive to provide you the cancelled or VOID transaction slip for the same transaction and present the same to your bank for reversal of the unsettled transaction.
In the event of the Merchant neither reversing back the amount nor providing you the VOID transaction slip for submission to your bank, ICICI Bank would credit back the amount immediately after 30 days.

What is the Insurance available on the card?
Insurance Max Cover Remarks
Personal Air Accident Cover - Death only. Rs 10 Lakh This cover is available for PRIMARY Card members upto the age of 69 and is applicable only overseas. 100% benefit total & disablement (as decided permanent by insurance company)
Missing of connecting USD 300 Applicable if there is no international flight in the next 6 hours after late arrival by an international flight on an international airline For International Travel only.
Loss of travel documents (Passport, Visa, Tickets)USD 500 Available on baggage checked by international airline on an international flight on an outbound flight only. In case of theft, it should be reported to appropriate policy authority within 24 hours of discovery.
Hijacking USD 250 per hour up to maximum 12 hours,up to USD 3000.Available on baggage checked by international airline on an international flight on an outbound flight only. In case of theft, it should be reported to appropriate policy authority within 24 hours of discovery
Delay in receipt of checked baggage.USD 300Available on baggage checked by international airline on an international flight on an outbound flight only. In case of theft, it should be reported to appropriate policy authority within 24 hours of discovery.
Lost Card Liability InsuranceRs. 50,000All transactions 2 days prior to reporting / 7 days post reporting including the date of reporting..
Counterfeit Card Liability Insurance.Rs. 1,00,000All Point-Of-Sale transactions are covered under this,no PIN based transactions are covered.
Note: The customer is automatically enrolled into the policy on the purchase of the card. The claim will be applicable only if on the incident date, the travel card was active and had a positive balance on the same.

What is the Insurance Claim Process?
  • For insurance claims, please contact ICICI Lombard General Insurance on toll free number: 1800-209-8888 or 18002666 or write us at ihealthcare@icicilombard.com. ICICI Lombard PBO takes down the claim information from the customer. Checks based on the card number provided for the cover applicable. Forwards the information to the expert for claim validity
  • If the claim is valid, customer is forwarded the claim form along with the list of supporting documents required.
  • The cheque is sent to customer within 30 days.
Where do I call if I need some assistance?
Customers can call ICICI Bank's 24-hour Customer Care Center for free customer support. From within India, call 1800 345 3499.

From outside India, customers may call 91 22 28307777.
After calling these numbers, customers may press 1 for English or 2 for Hindi or 3 for Marathi as language selection. Then customers can select option number 2 for Credit/Prepaid cards and may enter their 16-digit card travel card number to know their transaction details, the remaining balance on their card account, to update their mailing address/email address/mobile number, report a card loss and ask for replacement cards or write to us using the "Email Us" option For emergency assistance, they can call our assistance center at +91 11 4189 8888

Can the ICICI Bank Travel Card be used over the Internet? Can the ICICI Bank Travel Card be used over the Internet?
Yes. For VISA and MASTERCARD, the cardholder first needs to activate his/her card for the Internet usage while in case of AMERICAN EXPRESS®, the card is pre-activated.

The steps for activation are:
  • Log on to www.icicibank.com, click on cards, Click on Travel Card, click on Login button, and log in using 16-digit card no and Internet password.
  • Activate the card for Internet Transactions (not valid on Indian Sites).
  • The card remains active for 24 hours.
  • Start using the card over the Internet.
Is remote Loading of the card possible?
Yes. The process is:
  • Leave a Signed Copy of the Reload Form and authorization with your family.
  • Family Member walks into nearest designated ICICI Bank Branch or authorised Money Changer with the Reload Form.
  • On submission of these documents and receipt of payment, the Card would be reloaded.
Is temporary block facility available on the card?
Yes, the same is available. In case you want to temporarily block the card for safety purpose, you can do so yourself through your internet log-in or you can call up ICICI Bank call center to block and then unblock the card. This facility is not available on ICICI Bank American Express®, Prepaid Travel Card.

How do I track my transactions from wherever I am in the world?
Web-based Access to Account Information:
"Internet" web-based access allows the customers quick access to transaction details and can also check their card balance.

They simply need to logon to www.icicibank.com > click on Cards > click on Travel Card, and log-in through the "Login button" link using their Internet Login ID (i.e. Travel Card 16 digit number) and password provided with the welcome pack for a complete update on the Card.

Customers can check the status on their ICICI Bank Travel Card from anywhere in the world. The customers can get updates on
  • Available balance
  • Transactions undertaken
  • Transactions after last statement date
  • Past statements (by period)
Login facility is not available on ICICI Bank American Express® Prepaid Travel Card.

If the merchant says that the card is not working, what is to be done?
  • Ask the merchant to ensure that he has swiped on a Credit Card terminal.
  • If the card is still getting declined, walk into the nearest ATM to check the available balance on the card.
  • Customers can withdraw the cash from the ATM and settle with the merchant.
  • Report the matter to ICICI Bank, for follow up with the Merchant.
What are the minimum and maximum amounts one can load on purchase?
Usage of the ICICI Bank Travel Card should be in strict accordance with the regulations of the Reserve Bank of India and FEMA regulations.

The card can be loaded with any amount up to USD $10,000 or equivalent in Euros in a year. The minimum loading amount is 200 ( i.e. if USD card-$200, if GBP card- £ 200 and so on ). Corporate travelers can load the Card up to $25,000 or its equivalent in Euros for every business trips*.

*The amount of load on a card should be done as per the foreign Exchange Management Act, 1999 and prevailing RBI regulations.

What forex rates are charged at the time of purchase?
The card can be bought at the ongoing forex rate of that day offered by the ICICI Bank branch or the Money Changers from where the card has been bought. The forex rates are similar to the rates charged for Travelers Cheques.

If I am traveling to two countries, do I get the different currencies loaded on same card?
No. One card can be loaded with only one currency. However, the customer can take card in one currency and use worldwide irrespective of the currency of the country.

Can I transact in currencies other than base currency (dollar ,euros, pounds etc) using the Travel Card?
Yes, ICICI Bank Travel Card allows transactions (cash withdrawal and point-of-sale transaction) in any local currency. For any currency other than the base currency, there will be an exchange rate which will be applied.

What exchange rates are applied when a transaction is made on the card?
For transactions done in the base currency, there is no exchange rate applicable. However, for transactions other than in the Base Currency, VISA / MATERCARD wholesale rates or Global Network (Incase of AMERICAN EXPRESS® ) rates would apply.

These rates are generally more favourable than the rates offered by money changers* .

*There will be a currency conversion markup of 3.5% plus service tax as applicable will be levied by the Bank.

What documents are needed during purchase/recharge?
During purchase of a ICICI Bank Travel Card, customers need to provide the following:
  • Passport
  • A2 form
  • PAN / Form 60 (in case you do not have a PAN number)
They would also need to fill up and sign the ICICI Bank Travel Card application form. The same documents need to be provided at the time of recharge along with the photocopy of the front of the card. The card numbers will be masked in the e-mails for security.

Can one buy more than one ICICI Bank Travel Card?
A customer can buy at most one ICICI Bank Travel Card (of the same currency) at a time. He/she can however buy more than one ICICI Bank Travel Cards in different currencies.

Can the card be used in India?
No, the card cannot be used in India, Nepal & Bhutan. Balance enquiry is allowed free of charge in ICICI Bank ATM in India. However balance available on the card will be reflected in the INR (Indian rupees) but actual balance will be the same what was available in the loaded currency.

Can a Travel Card be recharged over phone or from abroad?
To reload the card, customers need to remit funds to the ICICI Bank branch or the Money Changer and submit the necessary documents. Customers can get in touch to their money changer or Bank branch for this facility.

Corporate travelers can get cards charged by their authorised signatories providing the documents and the necessary funds.

Can one retain the foreign exchange on the ICICI Bank Travel Card after returning to India?
One can retain the card only if the balance remaining on the card is less than $2000. Else the amount needs to be refunded within 180 days from the date of arrival*. In case refund is not made on time, the card would be suspended and the card holder can face legal action.

*As per RBI regulations.

How can I confirm if my card has been charged?
You would get an SMS confirmation shortly after your card is loaded or reloaded or refunded. You may call up our customer care center also to know your balance. You can login into the website and check the transactions anytime.

You can also walk into the nearest ICICI Bank ATM to check the balance on your card (balance will be displayed in rupees)

How do I withdraw cash from an ATM using the Travel card?
  • Check for VISA / MASTERCARD / AMERICAN EXPRESS® logos at the ATM.
  • Insert the card in the card slot of the ATM
  • Enter the ATM PIN of the card.
  • Select the type of Account as "Checking / Current" or "Credit" option. The Savings option will not work for prepaid ICICI Bank Travel Card.
  • Enter the amount of cash needed.
Some of the ATM acquirers charge an additional ATM surcharge. Please check this before usage also, as most of the ATMs have the capacity to display/dispense amount in local currency. Surcharge will not appear as a separate transaction item but will be included in the total transaction amount.
The cash withdrawal limit at an ATM on a given day may vary from one ATM operator to other. These limits may be below the limits set as the 24 hour ATM cash withdrawal limits on your ICICI Bank Travel Card.

Can an ATM be used to check the amount of funds remaining on the Travel Card?
Most ATMs have the facility to check the balance on a card in the local currency.

Is there a limit to the maximum amount of cash that I can withdraw?
Daily withdrawal Limit
USD Card USD 2000
Swiss Franc Card CHF 2000
Canadian Dollar CardCAD 2000
Australian Dollar CardAUD 2000
Euro CardEuro 1500
British Pound CardGBP 1000
USD Card on American ExpressUSD 1000
Singapore Dollar SGD 2500
Japanese Yen JPY 2,00,000
Arab Emirate Dirham AED 7500
This limit has been kept in place to prevent misuse in case you have misplaced the card.
The cash withdrawal limit at an ATM on a given day may vary from one ATM operator to other. These limits may be below the limits set as the 24 hour ATM cash withdrawal limits on your ICICI Bank Travel Card.


Are there any charges for using a ATM?
VISA :
There is a charge of 1.50 Dollars for USD Card, 1.50 Euros for Euro card, 1.50 Pounds for GBP Card (and similar amount for other currencies as well) for cash withdrawal from ATMs. The charges for checking the balance through the ATM is 0.50 Dollars for USD Card, 0.50 Euros for Euro Card, 0.50 Pounds for GBP Card (and similar amount for other currencies as well)*.

MASTERCARD :
A charge of 1.50 Dollars is levied on ATM Usage while 0.50 dollars are charged for balance enquiry*.

AMERICAN EXPRESS:
A charge of 1.50 Dollars is levied on ATM Usage while balance enquiry option in not available on this card*.

*Service Tax Applicable

How can the customer maximize saving using the ICICI Bank Travel Card?
The customers can maximize their saving by using the card at POS terminal, swiping the card to make payment rathr than withdrawing currency from ATMs and there by incurring ATM withdrawal charges while there are no charging for POS usage provided swipe is made in the same currency as the card.

Does an ATM receipt show the amount withdrawn and the balance available?
Some ATMs can show these two figures.

Do all ATMs show the instructions in English?
Most VISA, MASTERCARD & AMERICAN EXPRESS® ATMs support English. In case there is ATM which does not support English, the cardholder can call our Customer Care center.

Will the ATM display foreign exchange rates that one can use before withdrawing cash?
No. Post withdrawal of cash, with the figures for amount withdrawn and balance available, it is possible to arrive at the exchange rate charged.

What if I forget the ATM PIN of the ICICI Bank Travel Card?
In case the ATM-PIN is forgotten, call the Customer Care center and request for New ATM Pin. The for VISA / MasterCard, the same would be provided over the phone. For American Express®, the customer would need to generate the same over the IVR.

Why would I need a replacement card?
One may need a replacement card if the card gets stolen/lost, or if the magnetic strip stops working.

Whom should I contact when I need a replacement card?
Contact the 24-hour ICICI Bank Customer Care Center on +91 22 2830 7777 for the replacement card.


How fast can I get my replacement card?
The card would be shipped within 48-72 hours to select locations serviced by our courier.

Will my ATM PIN of the replacement card continue to be the same as the ATM PIN of the earlier card?
No. the customer will receive a new ATM PIN along with the replacement card. The customer need to use that for transacting at ATMs.

How can I apply for a refund on the card?
To apply for a refund, please visit your nearest select ICICI Bank branch or your money changer (For Details, pls call up our Customer Care Centre).

You need to fill up an Refund Form and provide copies of your ICICI Bank Travel Card and your passport. The funds will be returned to you immediately.

How long does it take to get the refund?
Customers can get the refund immediately upto the amount of balance remaining on your ICICI Bank Travel Card. In case there are some unsettled transactions, there could be an additional delay of upto 11-30 days.

At what rate can I get my funds refunded?
The funds would be credited to the cardholder at the ongoing rate of the day when he/she apply for the refund. These rates will be available at the nearest ICICI Bank branch or money changer.

How is the ICICI Bank Travel Card secured against unauthorised cash withdrawals from ATMs?
The travel card comes with advanced security features. To withdraw cash from a VISA ATM using the pre-paid card, customers need the confidential ATM-PIN which is available only to the customers.

The ATM-PIN is issued at the time of card purchase. Customers need to remember the 4 digit PIN number and destroy the document. Do not write in on the card. The card would be blocked after 4 unsuccessful PIN attempts. This ensures that anyone having access to the card cannot use the card.

How is the ICICI Bank Travel Card secured against unauthorised payments at merchant outlets withdrawals from ATMs?
Transactions at merchant outlets at protected by signature. The merchant has to match the signature on the chargeslip (produced by the Electronic Data Capture machine at the time of purchase) with the signature on the signature panel on the reverse of the card.

The customers must sign on the signature panel immediately on getting the card.

What should one do to prevent unauthorised usage in case I lose the card?
The card comes with zero lost card liability after its loss being reported. Immediately report the loss of the card by calling up the customer care center.

We would block the card from any further usage. On request, the Replacement Card can then be activates. In case the Replacement Card is also lost, a replacement card would be shipped to an address of the customer's choice.

What security features are implemented to prevent unauthorised usage of replacement cards before it reaches you?
The replacement card would be couriered along with its ATM PIN by courier. The card goes in a deactivated stage.

The card can be activated only when the customer call up our Customer Care center and confirm the receipt of the card in proper condition. Without this verification, the card would not be enabled for transactions.

Do I have to pay for emergency medical and travel assistance services?
ICICI Bank Travel Card comes with complimentary emergency assistance services. These services are purely on referral and arrangement basis. However, customers would have to pay for any third party expenses involved in providing the services.

The provision of financial guarantees by International SOS is subject to International SOS first securing payment from the customer though the credit card or from their own funds. International SOS shall ensure that Users who call in for the services are duly informed that they (the Users) are liable for all third party expenses.

Are MOTO Transaction allowed?
Yes, MOTO Transaction are allowed on the ICICI Bank Travel Card. Do avoid transactions in Card Not Present situation. Also, avoid use of your ICICI Bank Travel Card for pre-authorisation / initiating a rental at the time of checking-in at hotels or Car rental.

What is a ICICI Bank Chip Card?
The ICICI Bank Chip Card has a chip inside the card which will change the way you make payments while you are overseas. The chip inside your Travel Card makes payment at merchant even more secure. The card works on chip based technology rather than magnetic strip based technology.

How does a ICICI Bank Chip Card work? How does a ICICI Bank Chip Card work?
Following are the step for using a ICICI Bank Chip Card:
  • The cashier inserts the chip Card in the POS terminal
  • The chip card must remain in the terminal till the transaction is completed
  • If the merchant accidentally swipes the card at the place of inserting the card, the terminal will automatically identify it as a chip card. The terminal will force the cashier to insert chip card instead of doing a swipe
  • If the POS terminal does not have chip facility, the card can be used for normal magnetic stripe swipe on the POS terminal.
How is a ICICI Bank Chip Card better than a magnetic strip card?
The chip card is also known as EMV Card. EMV is the brand name of EMV Co. EMV stands for Europay MasterCard Visa.

This organization has set the standards for payment cards with chip. Due to the increasing fraud and misuse with the payments done by magnetic stripe cards, the smart EMV cards have been developed according to the EMV standard in order to prevent fraud and misuse.

This makes the chip card more secure against card fraud than cards that rely only on data encoded in a magnetic stripe on the back of the card.