Do you have an account in ICICI Bank? If you’re nodding in affirmation, this post is for you. With a right ICICI debit card, you will be able to shop with much ease and earn cashbacks or rewards, wherever possible.
Best ICICI Debit Cards in India 2023
Below-mentioned are the best debit cards by ICICI Bank:
ICICI Debit Card | Daily Usage Limit | Fees | Salient Features |
ICICI Coral+ International Debit Card | ATM: Rs 1.5 lakhs Shopping: Rs 5 lakhs | Joining: Nil Monthly: Rs 249 | Annual Savings up to Rs 35,000 2 points/4 points on every Rs 200 spent on domestic/international transaction |
ICICI Sapphiro International Debit Card | ATM: Rs 2.5 lakhs Shopping: Rs 7.5 lakhs | Joining: Rs 1,999 Annual: Rs 1,499 from 2nd year onwards | Annual Savings up to Rs 30,000 4 points/8 points on every Rs 200 spent on domestic/international transaction |
Note: Fee/charges are exclusive of GST.
Know about the latest GST Rates
Types of ICICI Bank Debit Card
The following are the different types of debit cards offered by ICICI Bank:
Gemstone Debit Card
Given below are the different types of Gemstone Debit Card:
Coral+ Debit Cards
The ICICI Coral+ Debit card offers huge benefits and convenience to its customers. With this card, you can avail daily cash withdrawal limit of Rs. 1 lakh and purchase limit of Rs. 5 lakhs. In addition to this, you can avail huge discounts on movie tickets, domestic flight bookings, dining and complimentary airport lounge access.
Sapphiro Debit Card
Avail unparalleled features and privilege using ICICI Sapphiro debit card. With this card, you can avail daily cash withdrawal limit of Rs. 1 lakh and purchase limit of Rs. 5 lakhs. Get huge discounts on movie tickets, domestic flight bookings, dining and complimentary airport lounge access with this card.
Rubyx Debit Card
The Rubyx Debit card offered by ICICI Bank is inspired by the gemstone- Ruby. This card comes with daily cash withdrawal limit of Rs. 1 lakh and purchase limit of Rs. 5 lakhs. Also, you can avail huge discounts on movie tickets, domestic flight bookings, dining and complimentary airport lounge access.
Coral Paywave Contactless Debit Card
This card offers contactless payment service along with discounts on shopping, dining and entertainment. You can avail daily cash withdrawal limit of Rs. 1 lakh and purchase limit of Rs. 5 lakhs and complimentary airport lounge access.
Rupay Rubyx Debit Card
The Rupay Rubyx Debit Card comes under Gemstone Cards offered by ICICI Bank. Through this card, you can daily cash withdrawal limit of Rs. 1 lakh and purchase limit of Rs. 5 lakhs.
Expressions Debit Card
Through Expressions Debit Card offered by ICICI Bank, you can avail complementary airport lounge access, reward points on domestic and international transactions, and many more. This card offers withdrawal limit of Rs. 1 lakh and purchase limit of Rs. 5 lakhs.
Personal Debit Card
Given below are different types of ICICI Personal Debit Card:
ICICI Wealth Select Visa Infinite Debit Card
This is a premium debit card that comes with various benefits including deals and discounts. The ICICI Wealth Select Visa Infinite Debit Card offers withdrawal limit of Rs. 1.5 lakhs and purchase limit of Rs. 7.5 lakhs. Also, you can earn reward points, zero surcharge on fuel purchases, and complimentary airport lounge access.
ICICI Bank Wealth Management World Debit Card
The ICICI Mastercard World Debit card offers special discounts and convenience as per your lifestyle. You can avail high withdrawal limit of Rs. 1 lakh and purchase limit of Rs. 7.5 lakhs. Also, you can get complimentary airport lounge access, reward points zero surcharge on fuel purchases, and many more.
ICICI Visa Gold Family Debit Card
With Visa Gold Family Debit Card, you can avail of exciting offers, lifestyle benefits and travel discounts. This card offers withdrawal limit of Rs. 1 lakh and purchase limit of Rs. 3 lakhs. Get reward points, complimentary airport lounge access and zero liability protection cover with this card.
ICICI Visa Titanium Family Debit Card
The Visa Titanium Family Debit Card offers free movie tickets, discounts on dining, travel, entertainment. Also, you can avail high withdrawal limit of Rs. 1 lakh and Rs. 3 lakhs. Earn reward points, avail zero surcharge on fuel purchases, and complimentary airport lounge access.
ICICI Bank Platinum Debit Card
Avail complimentary airport lounge access, reward points and insurance cover with ICICI Platinum Debit Card. This card has cash withdrawal limit of Rs. 1 lakh and purchase limit of Rs. 7.5 lakhs.
ICICI Privilege Banking Titanium Debit Card
The ICICI Titanium Debit Card offers special discounts, higher reward points and high withdrawal limit to its customers. you can avail zero surcharge on fuel purchase, zero liability protection cover and withdrawal limit of Rs. 1 lakh and purchase limit of Rs. 5 lakh with this card.
ICICI Women’s Debit Card
ICICI women’s debit card, as the name suggests, is designed only for its women customers having a savings or current account. Fuel surcharge is waived off at HPCL, IOCL and BPCL fuel outlets. Also, you get 1 reward point for every Rs 200 spent.
ICICI Smart Shopper Silver Debit Card
If you want to avail attractive discounts for shopping and dining, then you should definitely have ICICI Smart Shopper Silver Debit Card. With this card, you can avail reward points, zero surcharge on fuel purchase and withdrawal limit of Rs. 50,000 and purchase limit of Rs. 1 lakh.
ICICI NRE Debit Card
The NRE Debit Card offered by ICICI Bank comes with host of benefits including discounts on shopping, dining and travel. This card offers withdrawal limit of Rs. 1 lakh and purchase limit of Rs. 7.5 lakhs at retail outlets and merchant websites.
ICICI NRO Debit Card
The NRO Debit Card offered by ICICI Bank comes various deals and discounts including discounts on shopping, dining and travel. This card offers withdrawal limit of Rs. 50,000 and purchase limit of Rs. 3 lakhs at retail outlets and merchant websites.
ICICI Bank Senior Citizen Gold Debit Card
You can enjoy gold privileges when you do shopping with ICICI Senior Citizen Gold Debit Card. This card offers withdrawal limit of Rs. 75,000 and purchase limit of Rs. 5 lakhs.
ICICI Senior Citizen Silver Debit Card
Enjoy silver privileges while shopping with ICICI Senior Citizen Silver Debit Card. You can avail huge deals and discounts on shopping, dining, travel and entertainment. This card offers withdrawal limit of Rs. 50,000 and purchase limit of Rs. 3 lakhs.
ICICI Young Stars Debit Card
As the name suggests, ICICI Young Stars Debit card is offered to minors. This card offers a withdrawal limit of Rs. 5,000 and purchase limit of Rs.3 lakhs.
Business Debit Cards
Given below are different types of ICICI Business Debit Cards:
Sapphiro Business Debit Card
The Sapphiro Business Debit Card come with unparalleled features and privileges for current account customers. This card offers concierge services, card protection plan, and road-side assistance programme. You can avail withdrawal limit of Rs.2.5 lakhs and purchase limit of Rs. 7.5 lakhs with this card.
ICICI Expressions Coral Business Debit Card
The Expressions Coral Business Debit Card offered by ICICI Bank is a unique blend of Expressions Business Debit Card and Coral Business Debit Card. This card offers huge discounts on movie tickets, shopping and travel.
ICICI Expressions Business Debit Card
With ICICI Expressions Business Debit Card, you can design your own debit card by adding image of your loved ones, yourself or anyone. This card offers Kaya gift vouchers worth Rs. 1,000 along with withdrawal limit of Rs.1.5 lakhs and purchase limit of Rs. 5 lakhs.
ICICI Coral Business Debit Card
With ICICI Coral Business Debit Card, you can avail huge discounts on movie tickets when purchased from Bookmyshow and INOX. This card offers zero surcharge on fuel purchase and complimentary airport lounge access along with withdrawal limit of Rs.1.5 lakhs and purchase limit of Rs. 5 lakhs.
ICICI Titanium Business Debit Card
The Titanium Business Debit card also comes with a complimentary insurance cover and card protection. You can enjoy cashless transactions and avail exciting offers on travel, accommodation and other business specific categories at both domestic & international merchants. The cash withdrawal limit is Rs. 1 lakh and purchase limit is Rs.5 lakhs.

How to Apply for an ICICI Debit Card?
If you have an ICICI Bank account and want to apply for an ICICI debit card, you can simply visit your nearby ICICI Bank branch and ask for a debit card or for an upgraded version of your existing debit card, if you’re already using one.
If your account profile matches, you will be asked to fill the debit card application form and furnish your PAN card & residence proof for authentication.
For new customers, you can simply apply online for an ICICI Bank savings account from the bank’s website and after successfully application, you will be sent your account-related details, passbook, complementary 5-leaf cheque book and a complementary basic debit card to your doorstep within the stipulated time.
ICICI Debit Card EMI
To check whether your ICICI debit card is eligible for EMI facility, send the following SMS:
DCEMI_XXXX to 5676766
(XXXX – last four digits of debit card)
If you’re eligible, you will get an option to convert your online purchase into EMI of at least 3 months and up to 24 months, basis your profile. The same will be applicable on POS transactions as well.
How to Activate ICICI Debit Card?
When you open a bank account and receive your debit card, the first thing to do is activate that debit card. This unlocks your card for ATM usage and online/POS transactions as well. You can activate ICIC debit card easily at any ICICI Bank ATM by generating the PIN.
Another option is to use the netbanking services to activate your ICICI Debit Card. This is how:
- Log into your ICICI netbanking account
- Find the Generate ATM PIN option
- Select Generate Now
- Enter your ICICI debit card number and CVV
- Enter the OTP received on your regd. mobile number
- Create your PIN
How to Generate ICICI Debit Card PIN?
Steps to generate ICICI debit card PIN via iMobile app:
- Download & install the iMobile app.
- Register using your debit card and regd. mobile number and log in.
- Click on Services > Card Services > Generate Debit Card PIN
- Choose your debit card from the drop down list.
- Enter debit card number and CVV.
- Create a 4-digit PIN of your choice.
- Re-enter & confirm.
Steps for ICICI debit card PIN generation via Internet Banking:
- Log into your ICICI Bank netbanking account.
- Click on MY CARD PIN.
- Click on Debit Card PIN and select the Generate Now option.
- Select your debit card & enter the details asked.
- Enter the OTP sent to your regd. mobile number.
- Create a PIN of your choice & re-enter the same.
- Confirm to set this PIN.
Steps for ICICI debit card PIN generation via Customer Care:
Call on the ICICI Bank customer care number using your registered mobile number. This will be an IVR service. Press the number for Banking Services after which you’ll be required to choose the Generate debit card PIN option.
1800 1080 – ICICI Customer Care (Personal Banking Number)
Next, enter your 16-digit debit card number, expiry date, CVV and date of birth for authentication. Now, you will be asked to create your ICICI debit card PIN by pressing the numbers on your mobile phone. This way, you’ll be able to generate ICICI debit card PIN via call.
Check debit cards offered by different banks:
ICICI Debit Card: FAQs
ICICI debit card annual fee ranges from Rs 99 to Rs 1,499.
For any queries like ICICI debit card pin generation or activation, call on 1800 1080 which is the ICICI Bank customer care number for personal banking.
For unblocking debit card, call on the ICICI customer care number and provide your card details and verification. Alternatively, you can also login to your ICICI Bank netbanking account or go to your nearby ICICI ATM to block or unblock your debit card.
The bank usually takes 1 day to unblock your ICICI debit card. If you’ve already placed a request for the replacement of your blocked card, unblocking request will be declined.