ICICI Bank offers a wide variety of debit cards to cater to the different needs of its customers. Among the features offered by these cards, one of the most significant is the ICICI bank ATM cash withdrawal limit. The ATM withdrawal limit for ICICI Bank determines the amount of money you can withdraw from ICICI Bank ATMs and other ATMs across the country and internationally.
In this guide, we will cover everything you need to know about ICICI Bank ATM cash withdrawal limits, including the limits for different card types, how to increase the limit, charges, and other important details. Let’s begin without further ado!
Table of contents
- What is ICICI Bank ATM Cash Withdrawal Limit?
- ICICI Bank ATM Cash Withdrawal Limits for Different Debit Card Types
- ICICI Bank ATM Withdrawal Limits for International Transactions
- Factors Affecting ICICI Bank ATM Cash Withdrawal Limits
- How to Increase Your ICICI Bank ATM Withdrawal Limit?
- ICICI Bank ATM Withdrawal Charges
- How to Activate ICICI Bank ATM Withdrawal Feature?
- FAQs on ICICI Bank ATM Cash Withdrawal Limit
What is ICICI Bank ATM Cash Withdrawal Limit?
The ICICI Bank ATM cash withdrawal limit is the maximum amount of money a customer can withdraw from ICICI Bank ATM per day. However, for ICICI Bank customers, the ATM cash withdrawal limit varies based on the type of debit card and account you hold.
Debit cards such as the ICICI Bank Coral+ Debit Card, ICICI Platinum Debit Card, ICICI Expression Debit Card, ICICI Titanium Debit Card, and ICICI Bank Sapphiro Debit Card all have varying cash withdrawal limits, depending on their features and benefits. Let’s explore ICICI bank ATM cash withdrawal limits by debit card type.
Also Read: This blog provides you with a list of all the banks that offer Debit Cards for Students who are under 18. Read to find the most suitable option!
ICICI Bank ATM Cash Withdrawal Limits for Different Debit Card Types
In addition to savings account cash withdrawal limits, ICICI Bank offers a wide variety of debit cards, each with a different daily withdrawal limit. To make the most of your ICICI Bank debit card, it’s important to be aware of the ICICI Bank ATM cash withdrawal limits associated with different card types. These limits can vary depending on the card you hold.
Below is a breakdown of the ICICI Bank ATM cash withdrawal limits for some of the top ICICI debit cards. Understand these ATM withdrawal limits and choose the one that best aligns with your spending needs:
ICICI Bank Coral+ Debit Card
- ATM Withdrawals: Rs. 1.5 Lakh per day
- Key Features: The Coral+ Debit Card is packed with several benefits including reward points, complimentary airport lounge access, health check-up discounts, and movie discounts. This card is ideal for frequent travelers and those who enjoy shopping and entertainment perks.
ICICI Platinum Debit Card
- ATM Withdrawals: Rs. 1 Lakh per day
- Key Features: This card offers a high withdrawal limit and other benefits like complimentary insurance, airport lounge access, fuel surcharge waivers, and reward points on domestic and international transactions.
ICICI Expression Debit Card
- ATM Withdrawals: Rs. 1 Lakh per day (Domestic), Rs. 1 Lakh per day (International)
- Key Features: The Expression Debit Card allows you to customize your card design, offers complimentary airport lounge access, and provides rewards points on purchases. It also provides exclusive dining offers via ICICI Bank’s Culinary Treats Program.
ICICI Titanium Debit Card
- ATM Withdrawals: Rs. 1 Lakh per day
- Key Features: This card offers high security with insurance coverage for air accidents, personal accidents, and purchase protection. It also offers reward points and additional benefits for international transactions.
ICICI Bank Sapphiro Debit Card
- ATM Withdrawals: Rs. 2.5 Lakh per day
- Key Features: The Sapphiro Debit Card offers the highest withdrawal limit among ICICI Bank’s debit cards. It comes with premium benefits including discounts on movie tickets, additional protection plans, exclusive dining offers, and high reward points for domestic and international transactions.
Smart Shopper Silver Debit Card
- ATM Withdrawals: Rs. 50,000 per day
- Key Features: A basic card offering a lower withdrawal limit, the Smart Shopper Silver Debit Card comes with rewards on transactions, a zero liability cover, and fuel surcharge waivers.
For international students, there are certain cash withdrawal limits on ICICI Bank debit cards. You can check them by clicking here on ICICI Bank International Debit Cards.
ICICI Bank ATM Withdrawal Limits for International Transactions
ICICI Bank offers many types of ICICI Bank International Debit Cards that can be used abroad. These ICICI Bank cards are supported by global networks such as Visa and MasterCard, meaning you can use them in millions of locations worldwide.
Additionally, each card comes with specific ATM Withdrawal Limits, allowing you to access cash conveniently while traveling. Here are the ICICI Bank ATM withdrawal limits for international transactions.
ICICI Bank Debit Card Type | ATM Cash Withdrawal Limit (International) | Purchases or Online Transaction Limit (International) |
Wealth Select Visa Infinite Debit Card | INR 2 lakh | INR 1.5 lakh |
ICICI Bank Wealth Management World Debit Card | INR 2 lakh | INR 2.5 lakh |
Titanium Family Debit Card | INR 1 lakh | INR 1.5 lakh |
Titanium Debit Card | INR 1.5 lakh | INR 1.75 lakh |
Woman’s Debit Card | INR 1.25 lakh | INR 2 lakh |
Gold Family Debit Card | INR 1 lakh | INR 1.5 lakh |
Platinum Chip Card | INR 1 lakh | INR 1.5 lakh |
Smart Shopper Silver Debit Card (New) | INR 1 lakh | INR 1.25 lakh |
NRE Debit Card | INR 1 lakh | INR 1.5 lakh |
NRO Debit Card | INR 50,000 | INR 3 lakh |
Senior Citizen Gold Debit Card | INR 75,000 | INR 5 lakh |
Senior Citizen Silver Debit Card | INR 50,000 | INR 3 lakh |
Young Star Debit Card | INR 5,000 | INR 3 lakh |
Factors Affecting ICICI Bank ATM Cash Withdrawal Limits
While the ICICI Bank ATM cash withdrawal limits mentioned above are standard, several factors can influence the cash withdrawal limit for an individual customer. Understanding these factors can help you manage your withdrawals more effectively and avoid any surprises. These factors include:
- Type of Debit Card: The ICICI Bank ATM cash withdrawal limit is mainly determined by the type of debit card you hold, with premium cards offering higher limits.
- Account Type: Customers with different types of accounts (savings, current, or salary accounts) may have different withdrawal limits.
- Relationship with ICICI Bank: Long-term customers with good account activity and a strong relationship with the bank may be eligible for higher withdrawal limits.
- Card Usage: Regular usage of your ICICI debit card and maintaining a good account balance may lead to an increase in your ICICI Bank ATM cash withdrawal limits.
How to Increase Your ICICI Bank ATM Withdrawal Limit?
While ICICI Bank offers default ATM cash withdrawal limits based on the card type, there may be instances when you need to increase the limit temporarily, for example, if you need to make a large purchase or withdrawal. Here are the ways you can request an increase in your ICICI Bank ATM withdrawal limit or transaction limit:
Via ICICI NetBanking
You can request an increase in your ATM withdrawal limit via ICICI NetBanking. Here’s how:
- Log in to your ICICI NetBanking account.
- Navigate to the “Requests” tab under the “Service Requests” section.
- Select “ATM/Debit Card Services” and then choose “Increase Daily ATM Withdrawal Limit.”
- Enter the desired limit and submit the request.
Via ICICI Mobile Banking (iMobile App)
You can also increase your limit using the ICICI mobile app:
- Open the iMobile App on your smartphone.
- Go to the “Service Request” section.
- Choose the option to increase the ATM withdrawal limit.
- Follow the instructions to confirm your request.
Visit an ICICI Branch
If you prefer a face-to-face interaction or have more complex requests, you can always visit your nearest ICICI Bank branch. The bank representative will assist you in processing the request to increase your ATM withdrawal limit.
Call Customer Care
Another option is to call ICICI Bank’s customer care (1800 1080) and request a change in your ATM withdrawal limit. The customer care executive will assist you with the process.
ICICI Bank ATM Withdrawal Charges
ICICI Bank charges fees for ATM withdrawals under certain conditions. Whether you’re withdrawing from an ICICI Bank ATM or an out-of-network ATM, it’s important to understand the associated charges. The ICICI ATM withdrawal charges, including the limits, fees, and other some associated charges that you should be aware of:
Withdrawal Charges for Non-ICICI ATMs
When withdrawing money from ATMs other than ICICI Bank ATMs, a charge is applicable. Here’s a breakdown:
- For Domestic ATMs: Rs. 20 per transaction (for withdrawals beyond the free limit of 3 transactions per month).
- For International ATMs: Rs. 125 per transaction.
- For Foreign Currency Transactions: A foreign currency transaction fee of 3.5% applies.
Additional Charges for Foreign Transactions
If you use your ICICI Bank debit card to withdraw money from ATMs overseas or make transactions in foreign currencies, a foreign currency transaction charge of 3.5% will be levied.
Replacement Charges
If you lose your debit card or need a new one, ICICI Bank charges Rs. 200 (plus applicable taxes) for the card replacement.
Also Read: This blog includes the details about the International Debit Card Withdrawal Limits. To know more about it read the blog.
How to Activate ICICI Bank ATM Withdrawal Feature?
To make use of your ICICI Bank ATM withdrawal limits, you first need to activate your ICICI Bank debit card. The activation process can be done in a few simple steps:
1. Activate via ICICI ATM
- Visit your nearest ICICI ATM.
- Insert your card into the ATM machine.
- Follow the instructions to set your PIN.
2. Activate via ICICI NetBanking or iMobile App
- Log in to ICICI NetBanking or the iMobile App.
- Select the option to activate your debit card.
- Set your PIN and complete the activation.
ICICI Bank offers a variety of ATM withdrawal limits tailored to the needs of different customers. By understanding your ICICI Bank ATM Cash Withdrawal Limit you can make the most of your ICICI Bank debit card. Make sure to manage your withdrawals effectively and take advantage of all the benefits your card offers.
FAQs on ICICI Bank ATM Cash Withdrawal Limit
The ICICI Bank ATM cash withdrawal limit is the maximum amount of money a customer can withdraw from an ICICI Bank ATM per day. This limit varies based on the type of debit card and account you hold.
The daily withdrawal limit depends on the debit card you hold. For example, the ICICI Bank Sapphiro Debit Card allows withdrawals up to INR 2.5 lakh, while the Smart Shopper Silver Debit Card has a limit of Rs. 50,000.
Yes, you can request an increase in your ATM withdrawal limit through ICICI NetBanking, the iMobile App, by visiting a branch, or by calling customer care.
ICICI Bank does not charge a fee for withdrawals within the withdrawal limit at their own ATMs. However, there are charges for withdrawals beyond the free limit, and for using non-ICICI ATMs.
Your ATM withdrawal limit is determined by factors such as the type of debit card you have, the type of account you hold, your relationship with ICICI Bank, and how frequently you use your debit card.
ICICI Bank charges Rs. 20 per transaction for withdrawals from non-ICICI ATMs in India (beyond 3 free transactions per month) and Rs. 125 per transaction for international ATMs.
You can check your withdrawal limit by logging into ICICI NetBanking, through the iMobile App, or by contacting ICICI Bank customer support.
Yes, you can withdraw from international ATMs with your ICICI Bank debit card. However, foreign currency transaction fees of 3.5% will apply.
You can increase your ATM withdrawal limit through ICICI NetBanking, the iMobile App, at an ICICI Bank branch, or by calling ICICI Bank customer care.
Yes, ICICI Bank charges a foreign currency transaction fee of 3.5% when you make transactions or withdrawals in foreign currencies using your debit card.
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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