Prepaid Cards
Card Basics ATM Usage

Card Security

Card Basics

What is the ICICI Bank PayDirect Card?

The ICICI Bank PayDirect Card is a pre-paid card with magnetic strips, which can be loaded in rupees. The card does not have any minimum balance requirement and it offers you the flexibility of using it at all the VISA ATMs and merchant outlets in India.

How do I buy an ICICI Bank PayDirect Card?

  • ICICI Bank will supply the PayDirect application forms to the company.
  • The company will get the forms filled from its employees, introduce the employee by authorizing the form (signed by its authorised signatory) and make a request to the Bank for the PayDirect Card.
  • After verifying the identity of the customer and the necessary documents, the Bank will hand over the kit to the customer.
  • The Bank will activate the cards after receipt of payment and disbursement details from the company.

Where can this card be used?

The PayDirect card can be used at any VISA-enabled points of sale or ATM. The card features can also be customized as per the requirement.

What is the minimum and maximum amount that can be loaded on the card?

The maximum amount per loading is Rs.50,000. There is no minimum amount.

How many times can the card be re-loaded?

There is no restriction on the number of re-loadings on a card.

What does a PayDirect Card kit contain?

The PayDirect pre-paid card comes in a Card Kit along with the following:

  • Your ATM-PIN: This is the number used for ATM transactions.
  • A 'Welcome' booklet: With our customer service numbers and instructions on how to use the card.
  • Envelope: With the following instructions on the seal "Please do not accept if seal is broken".

ATM Usage

How do I withdraw cash from an ATM using the ICICI Bank PayDirect Card?

To withdraw cash from an ATM, first look for the "VISA" or "Plus" logos on the ATM. At an ATM where the logo is present:

  • Insert the card in the card slot as advised on the ATM panel. The ATM will ask you for your PIN.
  • Enter the ATM-PIN of you card. Once your ATM-PIN is validated, the machine will prompt you to enter the amount of cash you wish to withdraw.
  • Enter the amount of cash you need. If your ICICI Bank PayDirect card has sufficient funds, the machine will dispense the requested cash.

Can an ATM be used to check the amount of funds remaining on the PayDirect Card?

Most ATMs have the facility to check the balance on the card.

Does an ATM receipt show the amount withdrawn and the balance available?

The withdrawal slip generally indicates the amount withdrawn.

What if I forget the ATM-PIN of my ICICI Bank PayDirect Card?

If you forget your ATM-PIN, you may call our Customer Care and ask for a new PIN. Our Customer Care executive will give you the new PIN over the phone after successful verification of your details.

Card Security

How is the ICICI Bank PayDirect Card secured against unauthorised payments at merchant outlets?

You are required to sign on the charge slip (produced by the Electronic Data Capture machine at the time of purchase) to complete a transaction at the merchant outlet. The merchant has to match this signature with the signature on the signature panel on the reverse of the card. Transactions at merchant outlets are thus protected by your signature. You must ensure that you sign on the signature panel as soon as you receive the card.

What should I do to prevent unauthorised usage if I lose the card?

Your ICICI Bank PayDirect Card comes with zero lost-card liability after its loss has been reported. Hence report loss of the card to our Customer Care as soon as you come to know of it. We will block the card and thus prevent any further usage. We will then provide you with a replacement card through your company.