ICICI Bank Family Debit Card – Benefits, Fees & Eligibility

Introduction

The ICICI Bank Family Debit Card is exclusively designed for customers enrolled in the Family 360° Banking program, offering a personalized card with a custom family name. This card provides significant benefits such as complimentary airport lounge access, a high daily online transaction limit of ₹3 lakh, a zero fuel surcharge waiver at select outlets, and a rewarding points program on both domestic and international spends. It aims to facilitate convenient and secure banking for family members linked under a single relationship group.

Transaction Limits & Usage

• Daily ATM Withdrawal Limit:
  • Domestic: ₹50,000
  • International: ₹50,000
• Daily Online Transaction Limit: ₹3,00,000 (effective from August 1, 2018)
• International Usage: Available for transactions at merchant establishments outside India, earning reward points.
• Tap and Pay: Allows PIN-free Debit Card transactions at supported contactless terminals using an Android phone.
• 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.
• Higher Limits: Offers higher withdrawal and transaction limits compared to standard cards.

Fees and Charges

• 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 may attract a surcharge, which will be reversed after ICICI Bank receives a refund from the acquiring bank.

Rewards & Offers

• Reward Points Program:
  • Earn 1 Reward Point for every ₹200 spent on international transactions.
  • Earn 1 Reward Point for every ₹200 spent on domestic transactions.
  • Earn 1 Reward Point for every ₹200 spent on Indian websites.
  • No cap on the number of Reward Points that can be accumulated.
  • Reward points remain valid for up to 36 months.
• Reward Point Redemption: Redeem reward points for:
  • Health & Beauty products
  • Travel & Luggage
  • Shopping Vouchers
  • Home Appliances
  • Electronics
  • Fashion & Lifestyle items
• Airport Lounge Access:
  • Get 2 complimentary airport lounge access every quarter.
  • Access is available for the cardholder plus up to 3 guests per quarter.
  • Participating Lounges:
    • BLR Lounge, Domestic T1 at Kempegowda International Airport, Bengaluru (T1 Domestic)
    • Travel Club Lounge B, Domestic T1 at Chennai International Airport, Chennai (T1 Domestic)
    • Travel Club Lounge A, Domestic T1 at Chennai International Airport, Chennai (T1 Domestic)
    • Travel Club Lounge, Domestic T4 at Chennai International Airport, Chennai (T4 Domestic)
    • Earth Lounge, Domestic T1 at Cochin International Airport, Cochin (T1 Domestic)
    • Earth Lounge, International T3 at Cochin International Airport, Cochin (T3 International)
    • Encalm Lounge, Domestic T1 at Rajiv Gandhi International Airport, Hyderabad (T1 Domestic)
    • Travel Club Lounge, Domestic T1 at Netaji Subhash Chandra Bose International Airport, Kolkata (T1 Domestic)
    • Adani Lounge, Domestic T2 at Chhatrapati Shivaji International Airport, Mumbai (T2 Domestic)
    • Travel Club Lounge, Domestic T1C at Chhatrapati Shivaji International Airport, Mumbai (T1C Domestic)
    • Adani Lounge, T1B Domestic at Chhatrapati Shivaji International Airport, Mumbai (T1B Domestic)
    • Encalm Lounge, Domestic T1 at Indira Gandhi International Airport, New Delhi (T1 Domestic)
    • Encalm Lounge, Domestic T3 at Indira Gandhi International Airport, New Delhi (T3 Domestic)
    • Encalm Lounge, Domestic T2 at Indira Gandhi International Airport, New Delhi (T2 Domestic)
• Zero Liability Protection: Enhanced security feature.
• Instant SMS Alerts: Receive instant SMS alerts for every transaction carried out using the Family Debit Card to monitor spending in real-time and enhance security.

Account & Eligibility Criteria

• Eligibility: Exclusively for Family 360° Banking customers.
• Primary Member Benefit: The card is issued only to the primary member of an ICICI Bank Family 360° account.
• Account Linking: Family members must be linked under the same relationship group. Account linking can be done via iMobile app or at a branch.
• Custom Card Option: A custom family name can be printed on the card (available via branch only).
• Application Status: ICICI Bank is currently not accepting applications for the Family Debit Card.

Debit Card Review

The ICICI Bank Family Debit Card is a premium offering tailored for families engaged in ICICI Bank's Family 360° Banking program. Its primary appeal lies in the comprehensive benefits it extends to the entire family, including personalized card naming, generous airport lounge access for the cardholder and guests, and a high online transaction limit. The fuel surcharge waiver and a straightforward reward points system further enhance its value for everyday spending.

Pros:

• Personalized card with custom family name.
• Complimentary airport lounge access (2 per quarter for cardholder + 3 guests).
• High daily online transaction limit (₹3 lakh).
• Zero fuel surcharge waiver at select government fuel outlets.
• Reward points on all domestic and international spends with long validity.
• Enhanced security with Zero Liability Protection and instant SMS alerts.
• Tap and Pay functionality for convenient contactless payments.

Cons:

• Exclusively available for primary members of Family 360° Banking accounts.
• Currently, applications for the Family Debit Card are not being accepted. This is a significant drawback for potential new applicants.
• Reward points are not earned on certain transaction categories like mutual funds, telecom, education, utilities, insurance premiums, government payments, fuel purchases, and post office payments.

Who should apply: This card would be ideal for families already part of or planning to join ICICI Bank's Family 360° Banking program, who frequently travel, make significant online purchases, and value a personalized banking experience with premium benefits. However, the current unavailability for new applications makes it inaccessible for now.

Important Product Details

• Card Name: ICICI Bank Family Debit Card
• Issuing Bank: ICICI Bank
• Key Benefits: Custom family name on card, 2 complimentary airport lounge access per quarter (for cardholder + 3 guests), ₹3 lakh daily online transaction limit, zero fuel surcharge waiver at select outlets, and reward points on every ₹200 spent.
• Eligibility: Primary member of Family 360° Banking customers only.
• Application Status: Currently not accepting applications.
• Card Network: Supports 3D Secure PIN (Verified by Visa/Mastercard Secure Code), indicating compatibility with major card networks.
• Security: Features Zero Liability Protection and instant SMS alerts for transactions.

Other Details

• Reward Point 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.
• 3D Secure PIN: Required for online transactions and can be generated during the first online purchase on the merchant’s website.
• How to Avail (when applications are open):
  • 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.
• Easy Linking Process:
  • Log in to ICICI Bank's 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 via a provided link.