ICICI Bank international debit cards allow you to enjoy a hassle-free experience abroad. Millions of merchants and ATMs accept them in over 200 countries. This will enable you to make purchases and withdraw cash wherever you go. Whether you’re shopping or exploring, you can rely on your ICICI Bank Debit Card for secure and convenient payments while travelling internationally. Let’s explore the features, benefits, charges, and more details in the blog.
Table of contents
- Overview of ICICI Bank International Debit Cards
- Benefits of International Debit Cards by ICICI Bank
- Types of ICICI Bank Debit Cards
- ICICI Bank International Debit Cards from Gemstone Collection
- ICICI Bank Expressions Debit Cards
- ICICI Bank Personal Debit Cards for International Transactions
- ICICI Debit Cards Foreign Transaction Fees
- ICICI Bank Debit Cards with Lounge Access
- ICICI Bank Debit Card PIN Generation Process
- How to Use Your ICICI Debit Card Abroad?
- How to Apply for ICICI Bank Debit Cards Online?
- FAQs
Overview of ICICI Bank International Debit Cards
The ICICI Bank International Debit Card is perfect for customers who travel frequently or make purchases abroad. With a variety of features and benefits, this card is designed to make your international spending easier and more secure, giving you peace of mind wherever you go.
- Global Acceptance- It is accepted by millions of merchants and ATMs worldwide, allowing for easy access to funds in local currencies.
- No Need for Currency Conversion- You can transact in various currencies without the need for currency conversion.
- Secure and Safe- The card is equipped with EMV chip technology to protect against fraud, along with zero liability protection for unauthorized transactions.
- SMS Alerts- You receive real-time SMS alerts for all transactions, helping you monitor your spending and detect any unauthorized use.
Benefits of International Debit Cards by ICICI Bank
The ICICI Bank debit cards offer a variety of benefits for secure and convenient payments. Check them out below-
- Secure Transactions: These cards are equipped with chip and PIN technology, providing a higher level of security for transactions. Additionally, ICICI Bank offers features like OTP authentication for online purchases, reducing the risk of fraud.
- Competitive Foreign Exchange Rates: ICICI currency exchange rates are competitive, allowing you to make international purchases or withdraw cash abroad at favourable rates. This helps reduce the cost of foreign transactions.
- Contactless Payments: Many ICICI Bank international debit cards are enabled with contactless payment technology, allowing you to make secure payments with just a tap, reducing the need for physical contact.
- Reward Points: You can earn reward points on domestic and international transactions, which can be redeemed for various offers and discounts.
- Complimentary Airport Lounge Access: Eligible cardholders can enjoy complimentary access to airport lounges based on their spending patterns.
- Fuel Surcharge Waiver: You can enjoy zero surcharge on fuel purchases at selected petrol stations when using the debit card.
Also Read: Check here all the details of ICICI Bank education loan to study abroad. Know the interest rate, eligibility and application process.
Types of ICICI Bank Debit Cards
ICICI Bank offers various kinds of debit cards that can be used internationally. They are tailored to meet the needs of various customers, including individuals, businesses, and students. Here’s an overview of the different types of debit cards offered by ICICI Bank-
| ICICI Bank International Debit Cards | Sub-categories |
| The Gemstone Collection | – Sapphiro Debit Card – Rubyx Debit Card – Coral Debit Card – Coral Paywave Contactless Debit Card |
| Expressions Debit Card | – Expressions Sapphiro Debit Card – Expressions Coral Debit Card – Expressions Coral Business Debit Card – NRE Expression Debit Card – Expressions Paywave NFC Card |
| Personal Debit Card | – Wealth Select Visa Infinite Debit Card – ICICI Bank Wealth Management World Debit Card – Titanium Family Debit Card- Titanium Debit Card – Women’s Debit Card- Gold Family Debit Card – Platinum Chip Card- Smart Shopper Silver Debit Card (New) – NRE Debit Card – NRO Debit Card – Senior Citizen Gold Debit Card – Senior Citizen Silver Debit Card – Young Star Debit Card |
| Business Debit Card | – Sapphiro Business Debit Card – Expressions Coral Business Debit Card – Expressions Business Debit Card – Coral Business Debit Card – Titanium Business Debit Card – Gold Business Debit Card |
ICICI Bank International Debit Cards from Gemstone Collection
The ICICI Gemstone Debit Card Collection offers a premium range of debit cards. These cards are ideal for individuals seeking enhanced rewards, discounts, and exclusive offers.
- For all cards, there is a re-issuance charge of INR 200 + GST if the card needs to be replaced.
- All cards in the ICICI Gemstone Collection can be used internationally, allowing cardholders to make purchases and withdraw cash in foreign currencies, with daily spending limits set at INR 2 lakh.
| Type of Card | Features and Benefits | Joining Fee | Monthly Fees | Annual Fees |
| Sapphiro Debit Card | – Earn 4 reward points on every INR 200 spent domestically and 8 points internationally – Up to 4 complimentary airport lounge accesses per quarter with INR 5,000 spent | INR 1,999 + 18% GST | NIL | INR 1,499 + 18% GST |
| Rubyx Debit Card | – 25% discount on movie tickets at INOX – 3 reward points on every INR 200 spent domestically and 6 points internationally – 2 complimentary lounge accesses with INR 4,000 spent | INR 999 + 18% GST | NIL | INR 749 + 18% GST |
| Coral Bank Debit Card | – 25% discount on movie tickets – Rewards on purchases – Airport lounge access – Discounts on dining, shopping, and groceries | INR 250 + GST | INR 249 + GST | INR 499 + GST |
| Coral Paywave Contactless Debit Card | – 25% discount on movie tickets – Complimentary airport lounge access – Earn ICICI Bank reward points – Fuel surcharge waiver | INR 599 + 18% GST | NIL | INR 599 + 18% GST |
ICICI Bank Expressions Debit Cards
Expression Debit Cards by ICICI Bank offer customizable card designs. Besides, they offer benefits like contactless payments, rewards on purchases, complimentary lounge access, zero surcharge on fuel purchases, dining offers, and more.
- You can choose from a range of designs, including themes based on your interests, whether it’s nature, sports, or art.
- The card can be used internationally for both retail purchases and ATM withdrawals.
- The current spending limit (ATM withdrawal limit and transaction limit) for international usage is INR 2 lakhs.
- You must pay INR 599 + GST as the Joining Fee and Annual Fee are applicable.
| Type of Card | Features |
| Expressions Paywave NFC Card | – Built-in Paywave technology for contactless payments – Customizable card design – Ensures secure transactions |
| Expressions Sapphiro Debit Card | – Rewards on purchases – Complimentary lounge access – 25% discount on movie tickets – WalletAssist Select for card-related issues |
| Expressions DMRC Debit Card | – Dining offers under the ICICI Bank Culinary Treat program – Complimentary lounge access – 25% discount on movie tickets – Auto top-up facility |
| Expressions Coral Debit Card | – Zero surcharge on fuel purchases – Reward points on transactions – Dining offers under the Culinary Treat program – Complimentary lounge access |
| Expressions Coral Business Debit Card | – Zero surcharge on fuel purchases – Reward points on transactions – 2% discount on movie tickets – Dining offers under the Culinary Treat program |
| NRE Expressions Debit Card | – Zero surcharge on fuel purchases – Reward points on transactions – Dining offers under the Culinary Treat program – Complimentary lounge access |
ICICI Bank Personal Debit Cards for International Transactions
ICICI Bank offers many types of personal debit cards that can be used abroad. The cards are supported by global networks such as Visa and MasterCard, meaning you can use them in millions of locations worldwide.
| Type of Card | Features & Benefits | ICICI Bank Debit Cards Limit Abroad |
| Wealth Select Visa Infinite Debit Card | – Earn 2 reward points on every INR 200 spent – Save at selected government fuel outlets – 2 free airport lounge accesses per quarter | ATM: INR 2 lakh Transaction: INR 1.5 lakh |
| ICICI Bank Wealth Management World Debit Card | – Zero surcharge on fuel – Earn 2 reward points – 4 free airport lounge accesses per quarter – Complimentary insurance cover linked to savings account – Insurance covers up to INR 50,000 | ATM: INR 2 lakh Transaction: INR 2.5 lakh |
| Titanium Family Debit Card | – Enhanced security features – Zero liability protection – Dining offers under the ICICI – Bank Culinary Treat program – Complimentary airport lounge access – 1 reward point on every INR 220 spent – 15% discount at selected restaurants | ATM: INR 1 lakh Transaction: INR 1.5 lakh |
| Titanium Debit Card | – SMS alerts and itemized billing for every transaction – Liability protection at zero expense – Fuel surcharge waiver at selected outlets – Earn 2 reward points on every INR 200 spent | ATM: INR 1.5 lakh Transaction: INR 1.75 lakh |
| Woman’s Debit Card | – Fuel surcharge waiver at selected government fuel outlets – Liability protection at zero expense – SMS alerts and itemized billing – Earn 1 reward point on every INR 200 spent | ATM: INR 1.25 lakh Transaction: INR 2 lakh |
| Gold Family Debit Card | – SMS alerts for transactions – Itemized billing – Liability protection at zero cost – Complimentary airport lounge access and insurance coverage – Fuel surcharge waiver at selected outlets | ATM: INR 1 lakh Transaction: INR 1.5 lakh |
| Platinum Chip Card | – Zero surcharge at HPCL refuelling stations – SMS alerts and itemized billing – Complimentary airport lounge access – Earn 2 reward points on every INR 200 spent | ATM: INR 1 lakh Transaction: INR 1.5 lakh |
| Smart Shopper Silver Debit Card (New) | – SMS alerts for transactions – Liability protection at zero expense – Itemized billing included – Earn 1 reward point on every INR 200 spent | ATM: INR 1 lakh Transaction: INR 1.25 lakh |
| NRE Debit Card | – High withdrawal limits with tracking and itemized billing – Zero liability protection included – Earn 2 reward points on every INR 200 spent using this card | ATM: INR 1 lakh Transaction: INR 1.5 lakh |
| NRO Debit Card | – Zero liability protection with itemized billing and SMS alerts for regular expense tracking – Earn 2 reward points on every INR 200 spent using this card | ATM: INR 50,000 Transaction: INR 3 lakh |
| Senior Citizen Gold Debit Card | – SMS alerts for transactions and itemized billing included – Zero liability protection provided – Earn 1 reward point on every INR 200 spent using this card. | ATM: INR 75,000 Transaction: INR 5 lakh |
| Senior Citizen Silver Debit Card | – SMS alerts for transactions and itemized billing included – Liability protection at zero expense is provided – Earn 1 reward point on every INR 200 spent using this card | ATM: INR 50,000 Transaction: INR 3 lakh |
| Young Star Debit Card | – Itemized billing feature included – Earn reward points on purchases made with this card – Earn 1 reward point on every INR 200 spent using this card | ATM: INR 5,000 Transaction: INR 3 lakh |
Also Read: Check here all about ICICI Bank Personal Loan. Know the interest rates, eligibility, and documents and know how to apply for the loan.
ICICI Debit Cards Foreign Transaction Fees
When you use your ICICI Bank international debit card abroad, certain fees apply. These include markup fees, ATM cash withdrawal fees, and balance enquiry charges.
The markup fee covers the costs associated with currency conversion and processing cross-border payments. You also have to pay the ATM fee if you use your debit card to withdraw cash from an ATM while travelling abroad.
The balance enquiry fee is charged when you check your balance at an ATM outside India. Additionally, you have to pay a Dynamic Currency Conversion– DCC fee if you choose to pay in your home currency for any transactions abroad.
Check out the details of ICICI Debit Card charges for international transactions–
| Type of Fees | Applicable Charges |
| Mark up Fee | 3.5% + GST |
| ATM Cash withdrawal Fee abroad | INR 125 + GST |
| Balance Enquiry abroad | INR 25 + GST |
| DCC Fee | 1% mark-up fee + GST |
ICICI Bank Debit Cards with Lounge Access
The ICICI Bank debit cards not only provide convenience for domestic and international transactions but also enhance the travel experience with complimentary airport lounge access. This feature makes them ideal for frequent travellers and international students studying abroad to enjoy additional comfort while waiting for flights.
Below is a list of ICICI Bank debit cards with lounge access to enhance the travel experience-
| Debit Card | Details |
| Sapphiro Debit Card | – Complimentary lounge access on a minimum spend of INR 5,000 per quarter – Up to 4 complimentary accesses per calendar quarter |
| Rubyx Debit Card | – Complimentary lounge access on a minimum spend of INR 4,000 – 2 complimentary accesses per quarter |
| Coral Bank Debit Card | Airport lounge access |
| Coral Paywave Contactless Debit Card | Free airport lounge access |
| Expressions DMRC Debit Card | Complimentary lounge access |
| Expressions Sapphiro Debit Card | Complimentary lounge access |
| Expressions Coral Debit Card | Complimentary lounge access |
| Expressions Coral Business Debit Card | Complimentary lounge access |
| NRE Expressions Debit Card | Complimentary lounge access |
| Titanium Family Debit Card | Complimentary lounge access |
| Titanium Debit Card | Complimentary lounge access |
| Wealth Select Visa Infinite Debit Card | 2 complimentary accesses per quarter |
| ICICI Bank Wealth Management World Debit Card | 4 complimentary accesses per quarter |
| Gold Family Debit Card | Complimentary lounge access |
| Platinum Chip Card | Complimentary lounge access |
| Sapphiro Business Debit Card | Complimentary lounge access |
| Expressions Coral Business Debit Card | Airport lounge access |
| Gold Business Debit Card | Complimentary lounge access |
ICICI Bank Debit Card PIN Generation Process
Generating a PIN for your ICICI Bank Debit Card is simple and can be done through various methods like iMobile, Internet Banking, ATM, or by calling Customer Care. Once generated, your ICICI Bank Debit Card PIN will be ready to use for all transactions.
Follow these easy steps to create your 4-digit PIN and start using your card for transactions at ATMs, merchant outlets, online payments, and more.
- Using iMobile
- Login to iMobile and go to Services > Card PIN Services > Generate Debit Card PIN.
- Select your account number and debit card number. Now, enter the CVV.
- Choose a 4-digit PIN of your choice, confirm, and submit.
- Using Internet Banking
- Login to ICICI Bank Internet Banking and click on Cards and Loans > Debit/ATM Card > Generate PIN.
- Select your Debit Card number and enter the 3-digit CVV.
- Enter the grid values printed on the back of the card.
- Enter the OTP sent to your registered mobile and create your new PIN.
- Via ATM
- Visit the nearest ATM and select Generate ATM PIN.
- Enter your registered mobile number and date of birth.
- Enter the OTP received on your mobile and set your 4-digit PIN.
- Via Customer Care
- Call Customer Care from your registered mobile and select Banking Account > Generate Debit Card PIN.
- Provide your 16-digit debit card number, expiry date, CVV, and date of birth.
- Choose a 4-digit PIN, confirm, and submit.
How to Use Your ICICI Debit Card Abroad?
Using your ICICI International Debit Card for transactions abroad is easy and secure. To make payments at merchant outlets, simply look for the Visa or MasterCard logo, hand over your card, and follow the prompts to enter your PIN (for chip cards) or sign the charge slip.
For ATM cash withdrawals, ensure the ATM displays the Visa or MasterCard logo, insert your card, enter your PIN, and withdraw the desired amount. Don’t forget to keep the receipt for your records.
These simple steps to use your ICICI Bank debit cards abroad ensure a smooth and convenient international banking experience.
Debit Card for International Transactions
- Look for the Visa or MasterCard sign to ensure the merchant accepts card payments.
- Hand over your debit card to the merchant for payment processing.
- The merchant will swipe or dip your card into the terminal for transaction processing.
- If you’re using a chip-enabled card, you will need to enter your ATM PIN (Note: For non-chip cards, the PIN may not be required in certain countries).
- Sign the charge slip to complete your transaction.
Debit Card for ATM Cash Withdrawals Abroad
- Check for the Visa or MasterCard logo at the ATM to ensure it accepts your debit card.
- Insert your debit card into the ATM to begin the transaction.
- Input your ATM PIN and follow the prompts to select the amount you wish to withdraw.
- Take the cash dispensed by the ATM, along with the printed charge slip.
- Keep the charge slip for your records and future reference.
How to Apply for ICICI Bank Debit Cards Online?
You can easily apply for an ICICI Bank Debit Card online through the ICICI Bank website or mobile app. Alternatively, visit your nearest ICICI Bank branch to complete the application process by submitting the required documents and selecting the type of debit card that suits your needs.
- Go to the official ICICI Bank website.
- Find the “Debit Cards” section on the homepage or under the banking services menu.
- Browse through the various debit card options available (e.g., Gemstone Collection, Expressions Debit Cards, etc.) and select the card that best suits your needs.
- Once you have selected a card, click on the “Apply Now” button to start the application process.
- Complete the online application form, upload the required documents, and submit the form.
- After submission, you will receive an acknowledgment or confirmation message regarding your application status via email or SMS.
Alternatively, if you prefer a personal touch or need assistance, visit your nearest ICICI Bank branch. Bring along the required documents and fill out the application form with the help of bank staff. Check out some of the FAQs below-
FAQs
ICICI Bank International Debit Cards offer global acceptance, security, and benefits like real-time exchange rate locking, reward points, and exclusive merchant discounts, enhancing your travel experience.
Yes, ICICI Bank Personal Debit Cards can be used internationally for purchases and ATM withdrawals at millions of locations worldwide, ensuring easy access to your funds abroad.
ICICI Bank charges a 3.5% foreign transaction fee for international purchases. This fee covers currency conversion and international payment processing.
Yes, ICICI Bank Debit Cards provide complimentary access to select airport lounges worldwide, adding comfort to your travels. Some of the best ones are the Sapphiro Debit Card, Rubyx Debit Card, and Coral Paywave Contactless Debit Card.
You can generate your ICICI Bank Debit Card PIN via iMobile, Internet Banking, ATM, or by contacting Customer Care. Simply follow the prompts to set a new PIN.
To use your ICICI Bank Debit Card abroad, look for the Visa/MasterCard logo, swipe or insert your card, enter your PIN, and sign the charge slip to complete transactions.
ICICI Bank Debit Cards have a daily limit of Rs. 2 lakh for both retail and online international transactions, which can be adjusted as needed.
Check your ICICI Bank Debit Card EMI eligibility through iMobile or Internet Banking by navigating to the EMI section, where eligibility details are displayed.
Apply for an ICICI Bank Debit Card online via the website or mobile app, or visit your nearest branch with the required documents to complete the process.
Immediately block your ICICI Bank Debit Card by calling customer care or through the iMobile app to prevent unauthorized transactions. Request a replacement card if needed.
You can check your ICICI Bank Debit Card transaction history via the iMobile app or Internet Banking. Simply log in and view your recent transactions.
Activate your ICICI Bank Debit Card for international use through iMobile or Internet Banking. Ensure international transactions are enabled and PIN is set up.
If your ICICI Debit Card transaction is declined abroad, check your available balance, ensure international usage is enabled, or contact customer support for assistance.
To learn more about education loans, the best bank accounts for students, forex, banking experience for global students, or international money transfers, reach out to our experts at 1800572126 to help ease your experience with studying abroad.
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