What is an international transaction?

  • Any transaction made at Point of Sale (POS) overseas
  • Cash withdrawal at ATM overseas
  • E-com transactions on all global websites like: iTunes, Netflix, payments for GRE, GMAT, Airbnb, Agoda, Emirates and many more

Are these transactions secure?

Yes, it is secure to use your card globally.

  • ICICI Bank issues Europay Mastercard and Visa (EMV) Chip Credit & Debit Cards for international usage. These cards have all card data encrypted in a microchip, which is difficult to duplicate. Hence, it protects your card from skimming.
  • Second factor authorisation is not mandatory on international transactions i.e. OTP

What are the charges?

The following charges apply:

Mark up fee - 3.5% + Goods and Services Tax (GST)

ATM Cash Withdrawal Fee overseas – Rs. 125 + GST

Balance Enquiry overseas – Rs. 25 + GST

Always make your international payments in local currency of country of travel to avoid excessive surcharge.