Debit Cards FAQs
How can I apply for an ICICI Bank Debit Card?
An ICICI Bank Debit Card comes as a part of the ICICI Bank Account Kit which is given to you at the time of account opening. In case, you were not given an ICICI Bank Debit Card with your new account kit, you can call ICICI Bank customer care and request for a new debit card.
I have received an ICICI Bank Debit Card with my Bank Account Kit? Is it ready to use?
Your ICICI Bank Debit Card is in active state for usage at ATMs. You can start using your debit card at any Visa/MasterCard enabled ATMs using the PIN given to you in the Bank account kit. For using the cards at online or retail merchants, you will have to activate your debit card by doing an ATM transaction.
I had ordered a new debit card through customer care/Branch, there was no PIN that was sent with the card? How do I start using my debit card?
For debit cards ordered through phone banking or ICICI Bank branches, PIN is sent separately to your registered address within 7 days from the receipt of your debit card. In case you want to start using your card immediately, you can also generate the PIN through our secure IVR channel by calling ICICI Bank customer care.
What all information is written on my ICICI Bank Debit Card?
The following information is available on the front of your ICICI Bank Debit Card:
- 16 digit debit card number
- Debit card valid from date
- Debit card expiry date
- Debit cardholder name (Only for personalised cards)
The following information is available at the back side of your ICICI Bank Debit Card:
- 3 digit CVV number
- Grid values for net banking transactions
- Signature panel
How do I activate the debit card for usage online or at retail outlets?
All you need to do for activating your debit card for usage online or at retail outlets, is to do at least 1 cash withdrawal or balance enquiry transaction at an ICICI Bank ATM. It is also suggested that you change your ATM PIN during your first transaction at an ICICI Bank ATM.
How to use a debit card for retail transactions?
Step1: The merchant swipes or dips your card at a Point of Sale (POS) terminal
Step2: He enters the transaction amount on the POS terminal
Step3: The POS machine will prompt for the debit card ATM PIN to be entered by you Please do not disclose your debit card ATM PIN to the merchant.
Step4: Once you enter the correct PIN and sign the chargeslip, the transaction is confirmed and completed, and transaction amount will get deducted from your Bank account
Step5: Ensure that the debit card is returned to you
What are the Debit Card transaction fees if I swipe my card at Fuel pumps or booking railwaytickets?
The following are the transaction charges applicable when you use the Debit Card at:
Petrol pumps: Rs. 10 or 2.5% of the transaction amount (whichever is greater).
IRCTC: Rs. 10 flat fees per transaction if transaction is done using ATM PIN. For all other IRCTC transactions, upto 1.8% Payment Gateway (PG) charges will apply.
Please note that there are no transaction fees applicable at other merchant locations. These charges attract a Service Tax and an Educational Cess as applicable, in terms with the current Finance Bill.
Can my Debit Card be used for transactions outside India?
As per RBI mandate, all debit cards issued after December 01, 2013 are blocked for International usage. However, you can activate your debit card for International transactions at ATMs, retail outlets or International websites by calling our Customer Care or visiting the nearest ICICI Bank branch. Please note, all chip debit cards issued to customers are active for transactions outside India.
My Debit Card Valid from date is before December, 2013 (12/13). Is my Debit Card active for transactions outside India?
Yes. All debit cards issued before December 01, 2013 are active for transactions at ATMs, online websites or retail outlets throughout the world. However, daily usage limits for transactions in India are transactions abroad.
What are the daily usage limits for my debit card for usage at ATMs and merchant outlets?
There is a daily limit on your debit card for ATM cash withdrawal as well as transactions at retail outlets and online merchants in India and abroad. The details of daily limits as per each card type can be viewed at http://www.icicibank.com/Personal-Banking/cards/Consumer-Cards/Debit-Card/types-of-card.html
What are the charges for usage of Debit Cards for international transactions?
Debit Card usage for withdrawals at International ATMs will attract a charge of Rs. 25 (Plus taxes) per balance enquiry and Rs. 125 (plus taxes) per cash withdrawal transaction. There is a currency conversion markup of 3.5% on foreign currency transactions carried out on Debit Cards. The exchange rate used will be the VISA/MasterCard wholesale exchange rate prevailing at the time of the transaction. The 3.5% markup will also attract necessary service tax.
Will I be asked for my ATM PIN at every POS terminal, be it domestic or International?
For all transactions in India you will be asked for a PIN. However, outside India, only if the POS terminal is enabled for PIN authentication, you will be asked for PIN. You will need to enter your debit card ATM PIN and complete the transaction.
What if I have forgotten my PIN or enter an incorrect PIN?
You will be given 3 attempts to enter the correct PIN, post which your transaction will get declined. If you have forgotten your PIN, please call the customer care and request for a duplicate ATM PIN for your card. You can generate the duplicate PIN using secure IVR channel at customer care instantly.
I did 3 unsuccessful PIN attempts at POS terminal and transaction was declined. I remember my PIN now, can I try using the debit card at the POS or an ATM machine or is it necessary for me to get a duplicate PIN.
If you remember the PIN you can use your debit card at any POS or ATM machine after 24 hours. However, you can also call ICICI Bank customer care to activate your card again to start using it immediately.
What happens if I forget my 3D Secure password?
You can re-register and create a new password by logging here. If you forget your 3D Secure password when making an online purchase, you can quickly reset your password by clicking on the “Forgot your 3D Secure Password” link in the payment authentication screen during the purchase.
What should I do if I have lost my ICICI Bank Debit Card?
In case of loss of debit card, you can call our customer care to immediately block your Debit Card. You can also raise a request for a new debit card which can be sent to your registered communication address. You can also visit nearest ICICI Bank branch, and request for an Insta debit card which can be issued to you immediately at the branch.
I came across a transaction on my account using a debit card which was not attempted by me? How do I report this transaction?
Any fraudulent or disputed transaction using the debit card on your account can be reported at our customer care. We will scrutinize this transaction and update you on the same.
My Debit Card is going to expire soon, should I apply for a new debit card?
We will dispatch a new debit card to you before the expiry of your current debit card. Please do not raise a fresh request for a debit card. If you do not receive a new debit card within 1 week of expiration of your current debit card, please call our customer care to register a complaint.