Travel Cards FAQs

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 by paying in INR and use it to swipe on merchant outlets and withdraw cash in the local currency from ATMs accepting VISA / MASTERCARD Flag cards.

 

These Cards are sold through ICICI Bank branches and select money changers. The Card also comes with never before features including travel insurance, advanced account management features.

 

 

Which currencies is the ICICI Bank Travel Card available in?


ICICI Bank Multicurrency Travel Card is available in World's 15 major currencies and ICICI Bank single currency Travel Card in 9 currencies.

 

Sr. No.ICICI Bank Multicurrency Travel CardICICI Bank Single Currency Travel Card
1 US Dollar US Dollars
2 Pound Sterling Pound Sterling
3 Euro Euro
4 Canadian Dollar Canadian Dollars
5 Australian Dollar Australian Dollars
6 Singapore Dollar Singapore Dollar
7 Arab Emirate Dirham Arab Emirate Dirham
8 Swiss Franc Swiss Franc
9 Japanese Yen Japanese Yen
10 Swedish Krona  
11 South African Rand  
12 Saudi Arabian Riyal  
13 Thai Baht  
14 New Zealand Dollar  
15 Hong Kong Dollar  
 

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

 

(*To know more, please refer buy online section of Travel Card).

 

Please click here to locate Forex enable ICICI Bank branches.

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:

  1. Photocopy of Passport and Original Passport
  2. PAN Card Copy or Form 60 (in case cash paid above Rs.25,000

Post documentation and verification you will get your Travel Card immediately.

 

Steps to Buy ICICI Bank Travel Card online-

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.

 

Schedule of charges – 

OrderCurrencyCard usage fees* & limits
ATM Balance enquiry feeATM Cash withdrawal feeCash withdrawal daily limitCash©POS withdrawal charges
1 US Dollar USD 0.50 USD 1.50 USD 5,000 USD 2.00
2 Pound Sterling GBP 0.50 GBP 1.50 GBP 5,000 GBP 2.00
3 Euro EUR 0.50 EUR 1.50 EUR 5,000 EUR 2.00
4 Canadian Dollar CAD 0.50 CAD 1.50 CAD 5,000 CAD 2.00
5 Australian Dollar AUD 0.50 AUD 1.50 AUD 5,000 AUD 2.00
6 Singapore Dollar SGD 1.00 SGD 3.00 SGD 5,000 SGD 3.00
7 Arab Emirates Dirham AED 2.00 AED 6.00 AED 20,000 AED 6.00
8 Swiss Franc CHF 0.50 CHF 1.50 CHF 5,000 CHF 2.00
9 Japanese Yen JPY 60.00 JPY 200.00 JPY 200,000 JPY 200
10 Swedish Krona SEK 4.00 SEK 15.00 SEK 40,000 SEK 15.0
11 South African Rand ZAR 5.00 ZAR 16.00 ZAR 51,000 ZAR 16.0
12 Saudi Arabian Riyal SAR 2.00 SAR 7.00 SAR 20,000 SAR 7.0
13 Thai Baht THB 16.00 THB 60.00 THB 165,000 THB 60.0
14 New Zealand Dollar NZD 0.60 NZD 2.50 NZD 6,500 NZD 2.50
15 Hong Kong Dollar HKD 4.00 HKD 15.00 HKD 40,000 HKD 15.0
Card fees: Joining fee: INR 150, Reload fee: INR 100
Inactivity fees: USD 5 or equivalent for every 6 months of inactivity
Transaction fee: POS – NIL, Online/Ecom – NIL
Lost card replacement fee: International location – USD 20.00, Indian location – USD 3.00
Cross currency fee or Markup fee is 3.5% + Service Tax
All charges are exclusive of taxes. Service tax - 15% with effect from June 1, 2016, including Krishi Kalyan Cess at 0.5% and Swachh Bharat Cess at 0.5%
*Additional fees for ATM transactions may be levied by the bank owning the overseas ATM used for transaction
"Cash@POS" is a facility using which ICICI Bank Travel Card holders can withdraw cash by swiping their card at merchant outlets

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 31st day from the date of transaction. Incase of Cash withdrawal unsettled transaction, same will be released on 11th day from the date of transaction.

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)

 

Policy no. 4049/72244503/04/000

InsuranceMax Cover
Personal Air Accident Cover - Death only. ₹ 10,00,000
Missing of connecting International flight during transit USD 300
Loss of travel documents (Passport, Visa, Tickets) USD 500
Hijacking Max Up to USD 3,000
Delay in receipt of checked baggage. USD 300
Lost Card Liability Insurance Cover ₹ 2,00,000
Counterfeit Card Liability Insurance Cover ₹ 2,00,000

 

Section-wise Conditions

 

Section I Personal Accident Cover

  • Mode of transit covered: Air

Section II Missing of Connecting International Flight During Transit

  • This cover is applicable when the insured person has already taken the first international flight and the subsequent flight's scheduled departure time is at least six hours after the scheduled arrival of the first flight.
  • Additional expenses for transport, accommodation and boarding will be paid subject a maximum of the sum insured.

Section III Loss of Travel Documents(Passport and Tickets)

  • Time excess of twelve hours is applicable for loss of travel documents.
  • The cost of expenses due to loss of passport will be paid subject to a maximum of the sum insured.
  • No claim will be payble for the loss or damage in the event of:
    1. Delay or confiscation by customer/police or other authority or
    2. The theft is not reported to the police within 24 hours.

Section IV Hijacking

  • USD 125 per day will be paid subject to a maimum of seven days and the sum insured in excess of 12 hours

Section V delay in receipt of checked baggage

  • Additional expenses incurred due to delayed baggage will be payable
  • This cover will be applicable if the delay is more than twelve hours.
  • A non-delivery certificate must be obtained immediately from the airline
  • A claim will be payble only if no comensation is paid by the airline

Section VI

  • All transactions 2 days prior to reporting/7 days post reporting includeing the date of reporting.

Section VII

  • All point-of-sale transactions are covered under this, no PIN based transactions are covered.

Exclusions: All Covers are subject to exclusion of loss/damage/liability due to terrorist activity.

 

For Insurance calims, please contact ICICI Lombard General Insurance on Toll-Free Number 1800-209-8888 and 1800-2666. You can also mail 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.

 

Note: The customer is automatically enrolled into the policy on the purchase of the card. The claim will be applicable only if on the incedent date, the travel card is active and had a positive balance on the sum. For terms and conditions please visit wwww.icicibank.com/travelcard.

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 Customer Care Center for free customer support. From outside India, customers may call +91 22 3366 7777.

 

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.

 

You may also call our 24 hour international Toll Free* Numbers

 

Australia -
0011 800 0424 2448
Belgium -
00 800 0424 2448
Canada -
1866 4242 448
Finland -
990 800 0424 2448
France -
00 800 0424 2448
Germany -
00 800 0424 2448
Ireland -
00800 0424 2448
Italy -
00 800 0424 2448
Luxembourg -
00 800 0424 2448
Netherlands -
00 800 0424 2448
Portugal -
00 800 0424 2448
Singapore -
800 101 2553
Spain -
00 800 0424 2448
UAE -
8000 9114 001
United Kingdom -
0 8081 314 151
United States -
1866 4242 448

 

IVR Options: Select option NRI services > NRI customer > Option 4 for Travel Card and speak to our Customer Care executive Calls to these numbers might be charged, when not called from a local number. You are requested to check with your telecom service provider for the applicable rates.

Can the ICICI Bank Travel Card be used over the Internet?


Your ICICI Bank Travel Card is pre-activated for online transactions

  • Log on to the international merchant website
  • Select Credit Card as the mode of payment
  • Enter Card details and billing information
  • Confirm to make payment

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.

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).

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. Machine should accept VISA/MasterCard flag cards.
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 minimum loading amount is 200 units of the respective currencies ( i.e. if USD card-$200, if GBP card- £ 200 and so on). The maximum 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?


Yes, ICICI Bank Multicurrency Travel Card can be loaded with upto 15 currencies on a single card.

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* 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.

Can one buy more than one ICICI Bank Travel Card?


No. A customer cannot own more than one ICICI Bank Travel Card at any point of time.

Can the card be used in India?


No, the card cannot be used in India, Nepal & Bhutan. Balance inquiry is allowed free of charge in ICICI Bank ATM in India (Not available for Multicurrency Travel Card). 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 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/loded?


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)

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
CurrencySingle currency cardMulticurrency Card
US DOLLAR USD 2,000 USD 5,000
EURO EUR 1,500 EUR 5,000
POUND STERLING GBP 1,000 GBP 5,000
SWISS FRANC CHF 2,000 CHF 5,000
AUSTRALIAN DOLLAR AUD 2,000 AUD 5,000
CANADIAN DOLLAR CAD 2,000 CAD 5,000
SINGAPORE DOLLAR SGD 2,500 SGD 5,000
JAPANESE YEN JPY 2,00,000 JPY 2,00,000
ARAB EMIRATES DIRHAM AED 7,500 AED 20,000
SOUTH AFRICAN RAND Not Available ZAR 51,000
SWEDISH KRONA Not Available SEK 40,000
SAUDI ARABIAN RIYAL Not Available SAR 20,000
THAI BAHT Not Available THB 165,000
NEW ZEALAND DOLLAR Not Available NZD 6,500
HONG KONG DOLLAR Not Available HKD 40,000
No limit for payments to merchants directly using POS terminals
No limit for online transactions and payments to merchants through Merchant websites
Cross currency fee or Mark up fee is 3.5% + Service Tax
Daily withdrawal limit is same for VISA/MasterCard Travel Cards

 

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.

This limit has been kept in place to prevent misuse in case you have misplaced the 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*.

 

*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.

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 request for new ATM Pin. The new PIN will be triggered in a password protected format to the registered e-mail ID of the customer. One can also reset/change the PIN by logging in to the Self Care portal at https://inrprepaid.icicibank.com/customer/login.jsp

Why would I need a replacement card?


This a unique feature provided by ICICI Bank, 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 ICICI Bank Customer Care Center on +91 22 3366 7777 for the replacement card. In case of Multicurrency Travel Card, same can be activated by customer own directly after loin into logged in section.

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. For Multicurrency Travel Card, customer may can use the other PIN mailer for ATM PIN provided in the welcome kit.

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?


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 activated. 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.

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.

Are Mail Order / Telephone Order / IVR based / Offline transactions allowed?


Yes, Any transaction, which is done in an offline mode (Manual key entry) would be accepted.

 

IVR Options: Select option NRI services > NRI customer > Option 4 for Travel Card and speak to our Customer Care. Executive Calls to these numbers might be charged, when not called from a local number. You are requested to check with your telecom service provider for the applicable rates.

 

If you need any other information regarding the ICICI Bank Travel Card, please call our Customer Care.

What is Dynamic Currency Conversion?


Dynamic Currency Conversion (DCC), also referred to as Cardholder Preferred Currency (CPC), is a service offered by merchants – not VISA - in some countries when you are travelling abroad. If you choose to use the DCC service, the merchant will convert the purchase price of goods or services at the point of sale from the currency in which the price (i.e. the merchant’s local currency) is displayed into another currency (i.e. your home currency) using an exchange rate that typically includes a service fee.

 

We recommend NOT to opt for DCC settlement if offered by merchant at the time of payment of bills.

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.

Does ICICI Bank Multicurrency Travel Card have a Chip embedded on it?


Yes, The ICICI Bank Multicurrency Platinum Travel Card has a chip on the card. The card works on chip based technology along with the magnetic strip based technology.

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.