The ICICI Coral Debit Card is a popular choice among ICICI Bank customers, offering great benefits like cashback, discounts, and reward points. But one of the most important aspects of using it is knowing the ICICI Coral Debit Card cash withdrawal limit.
Understanding the ICICI Coral Debit Card cash withdrawal limit is crucial—it helps you plan your transactions smartly and avoid unnecessary fees. Let’s dive into the details of how much you can withdraw using this card, the transaction limits, and how you can increase them if needed.
Table of contents
- Overview of ICICI Coral Debit Card
- ICICI Coral Debit Card Cash Withdrawal Limit
- Charges on ICICI Coral Debit Card Cash Withdrawals
- How to Check Your ICICI Coral Debit Card Cash Withdrawal Limits?
- How to Increase Your ICICI Debit Card Cash Withdrawal Limits?
- Tips to Manage Your ICICI Debit Card Transactions Smartly
- FAQs
Overview of ICICI Coral Debit Card
The ICICI Coral Debit Card is designed for individuals who want a mix of rewards, security, and convenience. Here’s what you get with this card:
- Daily cashback & rewards – Earn points every time you spend.
- Airport lounge access – Enjoy free lounge access on an ICICI Coral Debit card for visits to select airports.
- Fuel surcharge waiver – No extra charges on fuel purchases.
- Movie & dining discounts – Special offers on entertainment and food.
This card is a great option if you frequently shop online, dine out, or travel. However, when it comes to ATM withdrawals, there are certain limits you should be aware of.
ICICI Coral Debit Card Cash Withdrawal Limit
When using the ICICI Coral Debit Card, it’s important to know the transaction limits to manage your finances efficiently. Whether you’re withdrawing cash from an ATM, shopping online, or making payments at a store, the ICICI Coral Debit Card cash withdrawal limits and spending limits must be taken into consideration.
Below is a breakdown of the ICICI Bank ATM cash withdrawal limits, POS (Point of Sale), and online transactions.
| Withdrawals | Daily cash withdrawal limit at ATM | Daily purchase limit at retail outlets and on merchant websites |
| Domestic | INR 1,00,000 | INR 5,00,000 |
| International | INR 2,00,000 | INR 2,00,000 |
ICICI Coral Debit Card ATM Cash Withdrawal Limit
The ICICI Coral Debit Card allows you to withdraw cash from ICICI Bank ATMs as well as other bank ATMs, but the limits vary.
| Transaction Type | Withdrawal Limit |
| ICICI Bank ATM – Daily Limit | INR 1,00,000 per day |
| ICICI Bank ATM – Per Transaction | INR 10,000 – INR 25,000 (varies by ATM) |
| Non-ICICI Bank ATM – Daily Limit | INR 25,000 per day |
| Non-ICICI Bank ATM – Per Transaction | Varies by the ATM (INR 10,000 – INR 25,000) |
| Cash Withdrawal at International ATM | INR 2,00,000 |
For example: Suppose you need INR 50,000 in cash. You can withdraw this from an ICICI ATM in two transactions (INR 25,000 per transaction). However, from a non-ICICI ATM, you’ll need multiple withdrawals on different days because of the lower limit.
ICICI Coral POS & Online Transaction Limits
Besides cash withdrawals, the ICICI Coral Debit Card cash withdrawal limits are different for shopping at retail stores and making online payments.
| Transaction Type | Daily Limit |
| POS Domestic | INR 5,00,000 per day |
| POS International | INR 2,00,000 per day |
For example: If you’re booking international flight tickets worth INR 2,50,000, you’re well within the online transaction limit. However, if the amount exceeds INR 3,00,000, you’ll need to use another payment method or request a limit increase.
Also Read: Check here all the details of ICICI Bank education loan to study abroad. Know the interest rate, eligibility and application process.
Charges on ICICI Coral Debit Card Cash Withdrawals
While the ICICI Coral Debit Card offers convenient access to cash, there are certain charges you should be aware of, especially if you exceed the free withdrawal limits. Here’s a detailed breakdown:
Free ATM Transactions
ICICI Bank provides a set number of free ATM withdrawals every month, depending on whether you use ICICI ATMs or other bank ATMs.
| ATM Type | Free Transactions Per Month |
| ICICI Bank ATMs | 5 free withdrawals per month |
| Non-ICICI Bank ATMs (Metro Cities) | 3 free withdrawals per month |
| Non-ICICI Bank ATMs (Non-Metro Cities) | 5 free withdrawals per month |
For example: If you have already used 5 free withdrawals from an ICICI Bank ATM in a month, any further withdrawals will attract a charge. Similarly, if you use more than 3 free withdrawals from an SBI ATM in a metro city like Delhi, you will be charged per additional transaction.
Charges for Exceeding ICICI Coral Debit Card Cash Withdrawal Limits
Once you have exhausted your free ATM withdrawals, the following charges apply:
| ATM Type | Charges Per Extra Transaction |
| ICICI Bank ATMs | INR 21 per withdrawal |
| Non-ICICI Bank ATMs | INR 21 per withdrawal |
For example: If you withdraw INR 10,000 from an SBI ATM in Delhi after using up your free quota, you’ll be charged INR 21 extra per transaction. If you withdraw multiple times, this fee will add up.
International ATM Withdrawal Charges
If you withdraw cash from an ATM outside India using your ICICI Coral Debit Card, additional fees apply:
| International ATM Transaction | Charges |
| Cash Withdrawal | INR 125 + GST per transaction |
| Balance Inquiry | INR 25 + GST per transaction |
For example: Suppose you are travelling to London and withdraw INR 5,000 worth of GBP from an ATM, you’ll be charged ICICI debit card charges for international transactions. This includes INR 125 + GST, which will be deducted INR from your account. Similarly, just checking your balance at an international ATM will cost INR 25 + GST.
How to Check Your ICICI Coral Debit Card Cash Withdrawal Limits?
If you’re unsure about your ICICI Coral Debit Card cash withdrawal limits, it’s always a good idea to check them before making large withdrawals. This helps you avoid transaction failures or exceeding the limit unexpectedly. Here are the different ways you can check your withdrawal limits:
Mobile Pay App (ICICI Mobile Banking App)
ICICI Bank’s iMobile Pay App allows you to check and manage your ICICI Debit Card cash withdrawal limits in just a few clicks.
Steps to check withdrawal limits via iMobile Pay:
- Open the iMobile Pay App on your smartphone.
- Log in using your User ID and Password or Fingerprint Authentication.
- Navigate to “Debit Card Services”.
- Select your ICICI Coral Debit Card to view the withdrawal limits.
Pro Tip: If you often use ATMs, you can also use the iMobile app to set transaction alerts and avoid extra withdrawal charges on cash withdrawal limits from ICICI.
Internet Banking (ICICI Net Banking)
If you prefer checking your ICICI Debit Card cash withdrawal limits on a desktop, you can do so through ICICI Bank’s Net Banking portal. Check out the steps to check withdrawal limits via Internet Banking:
- Visit ICICI Bank’s official website and log in to your account.
- Navigate to “Cards & Loans”.
- Click on “Debit Card Details” and select your ICICI Coral Debit Card.
- The screen will display your ATM withdrawal limit, POS transaction limit, and online transaction limit.
ATM Machine
You can also check your ICICI Debit Card cash withdrawal limits directly from an ICICI Bank ATM. Here are the steps to check withdrawal limits via ATM:
- Insert your ICICI Coral Debit Card into any ICICI Bank ATM.
- Select “Balance & Limits” from the menu.
- Your available withdrawal limit for the day will be displayed on the screen.
Note: Not all ATMs provide the option to check withdrawal limits. If you don’t see this option, consider using internet banking or the iMobile Pay App instead.
Visiting an ICICI Bank Branch
If you’re unable to check your withdrawal limit online, you can visit the nearest ICICI Bank branch and speak with a bank representative. However, you’ll need the following-
- A valid photo ID proof (Aadhaar Card, PAN Card, Passport, etc.).
- Your ICICI Debit Card.
- Your registered mobile number for verification.
Tip: If you frequently need higher withdrawal limits, you can also request an increase during your branch visit.
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.
How to Increase Your ICICI Debit Card Cash Withdrawal Limits?
If you often find yourself needing more cash than the set limit, you can request an increase in your ICICI Debit Card cash withdrawal limits. Below are the methods to increase your ATM withdrawal limit safely and quickly.
Increase Withdrawal Limit via Internet Banking
- Log in to ICICI Bank’s Net Banking portal.
- Navigate to “Manage Card Limits” under the Debit Card Services section.
- Select your ICICI Coral Debit Card.
- Enter the new withdrawal limit you want to set.
- Confirm your request using OTP verification.
Please note: The bank may approve the request instantly, but in some cases, it may take 24-48 hours for the new withdrawal limit to be updated.
Using the iMobile Pay App
If you prefer mobile banking, you can easily increase your ICICI Debit Card cash withdrawal limits via the iMobile Pay App. Check out the steps to increase withdrawal limits via iMobile Pay App:
- Open the iMobile Pay App and log in.
- Go to “Card Settings” under Debit Card Services.
- Select the “Modify Withdrawal Limits” option.
- Enter the new withdrawal limit you want to set.
- Authenticate using your MPIN or OTP to complete the request.
Tip: The higher your account balance and transaction history, the better your chances of getting a higher withdrawal limit approved.
Calling ICICI Customer Care
You can also request a withdrawal limit increase by speaking with an ICICI Bank representative over the phone. The ICICI Customer Care number in India (Toll-Free) is 1800 1080.
International Customers can check ICICI’s website for country-specific helpline numbers.
Note: Be prepared to verify your account details and registered mobile number before making the request.
Visiting an ICICI Bank Branch
If you prefer in-person service, visit an ICICI Bank branch and submit a written request to increase your ICICI Debit Card cash withdrawal limits.
Tips to Manage Your ICICI Debit Card Transactions Smartly
To avoid extra charges and use your ICICI Debit Card efficiently, here are some smart transaction management tips:
Plan Your Withdrawals
Instead of withdrawing small amounts multiple times, try withdrawing a larger amount at once to avoid exceeding your free ATM transaction limit.
For example: If you need INR 50,000 in cash, withdrawing it in one or two transactions at an ICICI ATM is better than withdrawing INR 10,000 five times, as this will exceed your free ATM withdrawal limit and attract extra charges.
Use UPI & Net Banking for Payments
Since ICICI Debit Card cash withdrawal limits apply only to ATM transactions, use UPI (Google Pay, PhonePe, Paytm, etc.) and Net Banking for online and in-store payments to avoid ATM withdrawal fees.
For example: Instead of withdrawing cash for an INR 5,000 bill payment, transfer the amount directly using UPI or Net Banking for free.
Keep Track of Free Transactions
Since ICICI Bank offers only 5 free withdrawals per month from ICICI ATMs and 3-5 free withdrawals at non-ICICI ATMs, keep track of your transactions to avoid extra fees.
Set Transaction Alerts
Enable SMS or email alerts for all debit card transactions. This will help you monitor unauthorized transactions and stay updated on your account balance. Here’s how you can enable alerts-
- Log in to iMobile Pay or Internet Banking.
- Go to “Manage Alerts”.
- Enable notifications for withdrawals, online transactions, and POS purchases.
Pro Tip: If you notice any suspicious activity, block your debit card immediately using iMobile Pay or by calling ICICI Customer Care.
To sum up, understanding the ICICI Coral Debit Card cash withdrawal limit helps you manage your finances better and avoid unnecessary fees. With a daily ATM withdrawal limit of INR 1,00,000 at ICICI ATMs and INR 25,000 at other ATMs, it’s important to plan your transactions wisely.
If you need a higher withdrawal limit, you can always request an upgrade via internet banking or customer service. Stay informed, track your transactions, and use digital banking for seamless money management!
FAQs
The daily ICICI Coral Debit Card cash withdrawal limit at ICICI ATMs is INR 1,00,000.
The daily ICICI Coral Debit Card cash withdrawal limit at non-ICICI ATMs is INR 25,000.
Yes, once you exceed your free monthly ATM withdrawals, a charge of INR 21 per withdrawal applies to ICICI Coral Debit Card cash withdrawals.
You get 5 free withdrawals at ICICI Bank ATMs and 3-5 free withdrawals at non-ICICI Bank ATMs (depending on the location) before charges apply to your ICICI Coral Debit Card cash withdrawals.
The international ICICI Coral Debit Card cash withdrawal limit is INR 2,00,000.
Yes, international ICICI Coral Debit Card cash withdrawals incur a charge of INR 125 + GST per transaction.
You can check your ICICI Coral Debit Card cash withdrawal limits through the iMobile Pay app, ICICI Net Banking, or at an ICICI Bank ATM.
Yes, you can increase your ICICI Coral Debit Card cash withdrawal limits through ICICI Net Banking, the iMobile Pay app, by calling customer care, or by visiting a branch.
The domestic POS transaction limit for the ICICI Coral Debit Card is INR 5,00,000 per day.
If you need to withdraw more cash than the set ICICI Coral Debit Card cash withdrawal limit, consider using UPI, net banking, or visiting a bank branch for assistance. Alternatively, you can apply to increase your withdrawal limit.
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