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What
is the ICICI Bank Travel Card?
ICICI Bank Travel Card is a prepaid 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 over 1 million VISA ATMs and shop at over 27 million merchant establishments accepting VISA 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.
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In which currencies is the ICICI Bank Travel Card available in?
ICICI Bank Travel Card is available in 6 currencies at present.
- US Dollars
- Euro
- Pound Sterling
- Swiss Francs
- Australian Dollars
- Canadian 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, Visa 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
(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.
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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 you do not have a PAN number)
On submitting a cheque for the desired amount, you will get your Travel Card immediately. ( Download forms here)
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How
does this pre-paid card work?
Your pre-paid Travel card is loaded with funds
at the time of purchase. You can use then use
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 recharge
the card with more funds before your next trip
when you return to India.
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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. 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. Example: If Pre-Auth was taken for $500, and the final bill is $300, this should be settled against the pre-auth that was taken, and the balance asked to be credited back on the card.
- 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.
In the event of the Merchant not reversing back the amount, ICICI Bank would credit back the amount immediately after 30 days (although VISA rules stipulate a period of 45 days).
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What is the Insurance available on the card?
| Insurance |
Maximum Cover |
Remarks |
| Personal Accident Insurance |
Rs 10 Lakh |
Available on Air Travel accident only. |
| Missing of connecting International flight during transit |
USD 300 |
1.The Insured Person has already boarded the first international flight
2.Subsequent flight's Schedule departure timing is at least 6 hours after the schedule arrival of the first flight |
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| Loss of travel documents (Passport, Visa, Tickets) |
USD 500 |
Claim not paid for the loss or damage in case of -
1.Delay or confiscation by customs / police or other authority
2. Theft not reported to police within 24 Hrs |
| Hijacking |
USD 3000 |
USD 125 per day ,Maximum.of 7 days plus time excess of 12 hrs |
| Delay in flight |
USD 250 |
If the scheduled international flight arrives at more than 12 hrs of delay |
| Delay in receipt of checked baggage |
USD 100 |
Delay of more than 12 hrs . A non-delivery certificate must be obtained immediately from the airline. |
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.
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What is the Insurance Claim Process?
Insurance Claim Process is as follows:
- Customer calls up the ICICI Bank call center and requests for the claim on Travel Card under the covers mentioned above.
- The Call is forwarded to the ICICI Lombard desk if the Travel Card was active on incident day.
- 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.
- Once the filled form and document is received from the customer, the claim value is calculated and cheque sent to customer within 30 days.
Where
do I call if I need some assistance?
You can call ICICI Bank's 24-hour Customer Care Center for free customer support. From within India, call 1800 345 3499. From outside India, you may call 91 22 28307777. After calling these numbers, please press 1126 for English and 1226 for Hindi . You can call up the call center to know your transaction details, your remaining balance on your card account, to update your 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, you can call our assistance center at 91 11 4189 8888
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Can the ICICI Bank Travel Card be used over the Internet?
Yes. The Steps are:
- Log on to www.icicibank.com , click on cards, Click on Travel Card, click on Login for Travel Card Customers, and log in using 16-digit card no and Internet password.
- Activate the card for Internet Transactions (not valid on Indian Sites).
- Activation could be for hours/days/lifelong.
- 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 authorized Money Changer with the Reload Form.
- On submission of these documents and receipt of payment, the Card would be reloaded.
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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.
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How
do I track my transactions from wherever I am
in the world?
Web-based Access to Account Information
"Internet" web-based access allows you quick access to transaction details and you can also check your balance. Simply logon to www.icicibank.com
, click on Cards, click on Travel Card, and log-in through the "Login for Travel Card customers" link using your Internet Login ID (i.e. your Travel Card 16 digit number) and password provided with the welcome pack for a complete update on your Card. You can check the status on your ICICI Bank Travel Card from anywhere in the world. You get updates on
. Available balance
. Transactions undertaken
. Transactions after last statement date
. Past statements (by period)
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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.
- You can withdraw the cash from the ATM and settle with the merchant.
- Report the matter to ICICI Bank, for follow up with the Merchant.
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What
are the minimum and maximum amounts one can
load on purchase?
Usage of your 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.
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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 you buy the
product. The forex rates are similar to the
rates charged for Travellers Cheques.
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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, you can take card in one currency and use worldwide irrespective of the currency of the country.
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Can
I transact in currencies other than base currency(dollar,euros,pounds etc) using
the Travel Card?
Yes, your ICICI Bank Travel Card allows you
to transact (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.
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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 wholesale rates apply. These rates are generally more favourable than the rates offered by money changers * .
*There will be a currency conversion markup of 3.5% levied by the Bank.
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What
documents are needed during purchase/recharge?
During purchase of a ICICI Bank Travel Card
you need to provide the following:
. Passport
. A2 form
. PAN / Form 60 (in case you do not have a PAN
number)
You 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. 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.
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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.
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a Travel Card be recharged over phone or from
abroad?
To
reload the card, you need to remit funds to
the ICICI Bank branch or your Money Changer
and submit the necessary documents. Contact
your money changer or Bank branch for this facility.
Corporate travellers can get cards charged by
their authorized signatories providing the documents
and the necessary funds.
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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 90 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.
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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)
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How
do I withdraw cash from an ATM using the Travel
card?
- Check for VISA logos at the ATM.
- Insert the card in the card slot of the ATM
- Enter the ATM PIN of your card.
- For the type of card/account, please select 'Credit Card'
- Enter the amount of cash you would need.
*Some of the ATM acquirers charge additional ATM fee. You are advised to check the same before the usage.
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| Is
there a limit to the maximum amount of cash that
I can withdraw?
For Security Reasons, ATM withdrawal on your ICICI Bank Travel Card has been limited to 2000 Units per day. For Eg: If you have a USD card the ATM withdrawal limit is $2000 per day, if you have a GBP card, the Limit is £ 2000 per day and so on.
This limit has been kept in place to prevent misuse in case you have misplaced the card
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| 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.
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| Are
there any charges for using a VISA ATM?
There is a charge of 1.5 Dollars for USD Card, 1.5Euros for Euro card, 1.5 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 0.5 Dollars for USD Card, 0.5 Euros for Euro Card, 0.5 Pounds for GBP Card (and similar amount for other currencies as well)*.
*Service Charges Applicable
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an ATM receipt show the amount withdrawn and the
balance available?
Some
ATMs can show these two figures.
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all ATMs show the instructions in English?
Most
VISA ATMs support English. In case the VISA
ATM does not support English, call our customer
care center.
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| 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.
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| What
if I forget the ATM PIN of the ICICI Bank Travel
Card?
The
card member should not forget the ATM PIN of
his ICICI Bank Travel Card. In case the ATM-PIN
is forgotten, call the customer care center and request for New ATM Pin. New ATM Pin would be read out over the phone.
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| 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 or if you have forgotten the ATM PIN.
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| Whom
should I contact when I need a replacement card?
Contact the 24-hour ICICI Bank Customer Care Center for the replacement card when you are in India.
From within India, call 1800 345 3499
From outside India, call +91 22 2830 7777
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| How
fast can I get my replacement card?
The
card would be shipped within 48 hours to select
locations serviced by our courier.
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| Will my ATM PIN of the replacement card continue to be the same as the ATM PIN of the earlier card?
No. You will receive a new ATM PIN along with the replacement card. You need to use that for transacting at ATMs.
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| 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, please 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.
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| How
long does it take to get the refund?
You
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 7
days.
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what rate can I get my funds refunded?
The
funds would be credited to you at the ongoing
rate of the day when you apply for the refund.
These rates will be available at your nearest
ICICI Bank branch or money changer.
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| How
is the ICICI Bank Travel Card secured against
unauthorized cash withdrawals from ATMs?
Your
travel card comes with advanced security features.
To withdraw cash from a VISA ATM using the pre-paid
card, you need the confidential ATM-PIN which
is available only to you. The ATM-PIN is issued
to you at the time of card purchase. Remember
the 4 digit PIN number and destroy the document.
Do not write in on the card. Your card would
be blocked after 4 unsuccessful PIN attempts.
This ensures that anyone having access to your
card cannot use the card.
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How
is the ICICI Bank Travel Card secured against
unauthorized payments at
merchant outlets withdrawals from ATMs?
Transactions
at merchant outlets at protected by your 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. Ensure that you sign on
the signature panel immediately on getting the
card.
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| What
should one do to prevent unauthorized 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 your choice.
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What
security features are implemented to prevent unauthorized
usage of
replacement cards before it reaches you?
The replacement card would be couriered to you along with its ATM PIN by courier. The card goes in a deactivated stage. The card can be activated only when you call up our customer care center and confirm your receipt of the card in proper condition. Without this verification, the card would not be enabled for transactions.
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| Do
I have to pay for emergency medical and travel
assistance services?
Your
ICICI Bank Travel Card comes with complimentary
emergency assistance services. These services
are purely on referral and arrangement basis.
However, you 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 you through your credit card
or from the funds from the your family. 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.
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| Are MOTO Transaction allowed?
No, MOTO Transaction are not allowed on the ICICI Bank Travel Card.
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| ** For Details, please call up our Customer Care Centre |
