ICICI Bank Family Debit Card – Benefits, Fees & Eligibility

Introduction

The ICICI Bank Family Debit Card is a specialized debit card offered by ICICI Bank, designed for customers enrolled in their Family 360° Banking program. It aims to provide comprehensive banking benefits for families, positioning itself as a convenient and secure option for managing family finances. Key differentiating benefits include complimentary airport lounge access for the primary cardholder and guests, a custom family name printed on the card, and a waiver on fuel surcharges at select outlets.

Fees

• Fuel Surcharge Waiver: Zero fuel surcharge on transactions made using the ICICI Bank Family Debit Card at ICICI Bank swipe machines located at selected government fuel outlets (HPCL, IOCL, BPCL). Transactions at non-ICICI Bank swipe machines at fuel outlets may attract a surcharge. Any surcharge charged will be reversed after ICICI Bank receives a refund from the acquiring bank.

Rewards

• Reward Points Earning: Earn 1 Reward Point for every ₹200 spent on merchant establishments in India, merchant establishments outside India, and Indian websites.
• Reward Points Exclusions: Reward points are not earned on transactions related to mutual funds, telecom, education, utilities, insurance premiums, government payments, fuel purchases, and Post Office payments.
• Airport Lounge Access: Get 2 complimentary airport lounge accesses every quarter for the cardholder, plus up to 3 guests per quarter.
  • Domestic Lounges:
    • BLR Lounge, Domestic T1, Kempegowda International Airport, Bengaluru
    • Travel Club Lounge B, Domestic T1, Chennai International Airport, Chennai
    • Travel Club Lounge A, Domestic T1, Chennai International Airport, Chennai
    • Travel Club Lounge, Domestic T4, Chennai International Airport, Chennai
    • Earth Lounge, Domestic T1, Cochin International Airport, Cochin
    • Encalm Lounge, Domestic T1, Rajiv Gandhi International Airport, Hyderabad
    • Travel Club Lounge, Domestic T1, Netaji Subhash Chandra Bose International Airport, Kolkata
    • Adani Lounge, Domestic T2, Chhatrapati Shivaji International Airport, Mumbai
    • Travel Club Lounge, Domestic T1C, Chhatrapati Shivaji International Airport, Mumbai
    • Adani Lounge, T1B Domestic, Chhatrapati Shivaji International Airport, Mumbai
    • Encalm Lounge, Domestic T1, Indira Gandhi International Airport, New Delhi
    • Encalm Lounge, Domestic T3, Indira Gandhi International Airport, New Delhi
    • Encalm Lounge, Domestic T2, Indira Gandhi International Airport, New Delhi
  • International Lounges:
    • Earth Lounge, International T3, Cochin International Airport, Cochin
• Higher Limits:
  • Daily Online Transaction Limit: ₹3,00,000 (effective from August 1, 2018).
  • Daily ATM Withdrawal Limit: ₹50,000 (Domestic and International).
• Fuel Surcharge Waiver: Zero fuel surcharge on transactions at selected government fuel outlets (HPCL/IOCL/BPCL) using ICICI Bank swipe machines.
• Tap and Pay: Facilitates PIN-free Debit Card transactions at supported contactless terminals using an Android Phone.
• Custom Card Option: Option to have a family name printed on the card (available via branch only).
• Zero Liability Protection: Safeguards against unauthorized transactions resulting from loss, theft, or misuse of the card. To avail, report loss or unauthorized use to ICICI Bank Customer Care within 15 days and submit necessary documents. The lost balance will be restored.
• SMS Alerts: Instant SMS alerts for every transaction to help monitor spending and enhance security.

Rewards Redemption Guide

• Redeemable Items: Reward points can be redeemed for Health & Beauty products, Travel & Luggage, Shopping Vouchers, Home Appliances, Electronics, and Fashion & Lifestyle items.
• Accumulation: No cap on the number of Reward Points that can be accumulated.
• Validity: Points remain valid for up to 36 months.

Card Eligibility Criteria

• Eligibility: Only for primary members of ICICI Bank Family 360° Banking customers.
• Account Linking: Family members must be linked under the same relationship group via iMobile or branch.
• Application Status: ICICI Bank is currently not accepting applications for the Family Debit Card.
• How to Avail (Historical Process):
  • Open family members' ICICI Bank accounts.
  • Link accounts via iMobile or branch.
  • Ensure account type is Family 360° Banking.
  • Choose a family name for the card.
  • The primary member receives the Debit Card.

Card Review

The ICICI Bank Family Debit Card was designed as a comprehensive solution for families under the Family 360° Banking program, offering a blend of convenience, security, and lifestyle benefits. Its key strengths included complimentary airport lounge access, a high online transaction limit, and a fuel surcharge waiver, making it attractive for families with significant spending and travel needs. The ability to customize the card with a family name added a personalized touch. However, the current unavailability of applications is a significant drawback, rendering it inaccessible to new customers. For those who previously held the card, its features provided good value, especially for managing family expenses and enjoying travel perks.

Important Product Details

• Key Benefit: Get a personalized ICICI Bank Family Debit Card with lounge access for four, up to ₹3 lakh online limit, fuel surcharge waiver, and reward points.
• Target Audience: Best for families spending together, specifically Family 360° Banking customers.
• Customization: Custom name on the card.
• Lounge Access: 2 complimentary airport lounge accesses every quarter, plus up to 3 guests.
• Online Limit: Higher daily online transaction limit of ₹3,00,000.
• Fuel Savings: Zero fuel surcharge on transactions at selected government fuel outlets using ICICI Bank swipe machines.
• Reward Points: Earn 1 point on every ₹200 spent (domestic and international), with no cap and 36-month validity.
• Security: Enhanced security with Zero Liability Protection and instant SMS alerts for transactions.
• Current Status: Applications for the Family Debit Card are currently not being accepted.

Other Details

• Versatility: The card facilitates convenient and secure banking for family members, supporting online and offline transactions.
• Online Transactions: Can be used for booking travel and movie tickets, paying utility bills, and shopping on e-commerce websites. A 3D Secure PIN (Verified by Visa/Mastercard Secure Code) is required for online transactions, generatable during the first online purchase.
• Easy Linking Process (for Family 360° Banking):
  • Log in to the iMobile app and tap 'Service'.
  • Select 'Account Services' and click on ‘Request for Family Banking’.
  • Choose 'Family 360°' and confirm the account number.
  • Enter member details and confirm.
• Terms & Conditions: Applicable Terms & Conditions are available for reference.