ICICI Bank Expression Paywave Debit Card – Benefits, Fees & Eligibility

Introduction

The ICICI Bank Expression Paywave Debit Card offers a blend of convenience, security, and self-expression, allowing users to personalize their card design. Issued by ICICI Bank, this card leverages NFC technology for quick and secure contactless payments. Its top differentiating benefits include personalized card designs, a rewarding points program, spend-based complimentary airport lounge access, and high transaction limits for both domestic and international usage.

Transaction Limits & Usage

• Daily ATM Withdrawal Limit:
  • Domestic: ₹1,00,000
  • International: ₹2,00,000
• Daily POS/Online Transaction Limits:
  • Domestic: ₹5,00,000
  • International: ₹2,00,000
• Contactless payments are available using Visa Paywave technology.

Fees and Charges

• Joining Fee: ₹599 + GST
• Annual Fee: ₹599 + GST
• Reissuance Fee: ₹200 + GST

Rewards & Offers

• Reward Points:
  • Earn 2 reward points for every ₹200 spent domestically.
  • Earn 4 reward points for every ₹200 spent internationally.
• Reward Redemption: Reward points can be redeemed for a variety of categories including Health & Beauty, Travel & Luggage, Shopping Vouchers, Home Appliances, Electronics, and Fashion & Lifestyle.
• Lounge Access:
  • Get 2 complimentary domestic airport lounge accesses per calendar quarter.
  • Eligibility Criteria for Lounge Access: To avail domestic lounge access, you must spend ₹10,000 or more on your Expression Paywave Debit Card in the previous calendar quarter. This benefit is exclusively applicable to the primary cardholder.

Important Product Details

• Card Name: Expression Paywave Debit Card
• Issuing Bank: ICICI Bank
• Card Type: Visa Paywave Debit Card
• Personalization: The card allows for personalization by choosing from over 200 images, including 175+ pre-installed templates with themes like Zodiac, Sports, and Travel, or by uploading your own image.
• Contactless Payments: The card features Visa Paywave technology, enabling secure, contactless payments with a simple wave at compatible terminals. It also supports Tap and Pay with Android Phones for PIN-free debit card transactions at supported contactless terminals.
• High Transaction Limits: The card offers high daily limits for both ATM withdrawals and shopping transactions.
• Higher Rewards: Provides enhanced reward points on international spends compared to domestic spends.

Other Details

• Card Validity: The Expression Paywave Debit Card is valid for 7 years from the date of issue.
• Lost/Stolen Card: In case your card is lost or stolen, you should immediately inform ICICI Bank's 24-hour customer care or the nearest branch.
• Contactless Payment Usage: To make a payment, wave your card within 4 cm of the merchant terminal and enter your 4-digit ATM PIN.
• Contactless Payment Safety:
  • The chances of an accidental transaction are low as the merchant must enter the amount, and a PIN is required for every transaction.
  • Even if the card is waved or tapped more than once accidentally, you will be charged only once for the transaction.
  • You can make contactless payments with your card in a purse or wallet, provided it is within 4 cm of the terminal and no metal objects obstruct it.
• Terms & Conditions: Applicable Terms & Conditions are available for review.