Skip to main content
ICICI BankICICI Bank

ICICI Bank RuPay Contactless NCMC Debit Card – Benefits, Fees & Eligibility

The ICICI Bank RuPay Contactless NCMC Debit Card is designed for smart journeys, offering a unified solution for transit, retail purchases, and ATM withdrawals. It stands out with key benefits such as zero fuel surcharge at selected outlets, a comprehensive rewards program, and support for offline wallet payments. This card is especially suited for travellers and shoppers seeking convenience, security, and high spending limits.
TravelShopping
Apply Now(opens in new tab)

Is the ICICI Bank RuPay Contactless NCMC Debit Card Right for You?

A quick look at who this card is best for, key costs, and things to consider.

The ICICI Bank RuPay Contactless NCMC Debit Card is best suited for users who prioritize Travel, Shopping. With a joining fee of Nil and a renewal fee of Nil, this card is positioned for cardholders who can maximize its benefits to justify the cost. It offers Reward Points as its primary reward mechanism, with a rewards rate of 1 reward point on every ₹200 spent (domestic & international).

Verified
Last updated: 15 March 2026

Key Card Details

Joining Fee

Nil

Renewal Fee

Nil

Reward Type

Reward Points

Notable Perks

Insurance Coverage

Zero Liability Protection against unauthorised purchases in case of loss, theft, or misplacement.

Things to Consider

Eligibility is restricted to existing ICICI Bank account holders, limiting access.

The reward earning rate of 1 point per ₹200 spent is relatively modest.

Fuel surcharge waiver is conditional on using ICICI Bank swipe machines at specific outlets.

Last updated: 15 March 2026

Benefits & Features

Explore key benefits designed to maximize your lifestyle

Rewards Rate

1 reward point on every ₹200 spent (domestic & international)

Reward Type

Reward Points

Reward Redemption

Redeem points for Health & Beauty, Travel & Luggage, Shopping Vouchers, Home Appliances, Electronics, Fashion & Lifestyle.

Insurance Coverage

Zero Liability Protection against unauthorised purchases in case of loss, theft, or misplacement.

Travel Benefits

Functions as a unified National Common Mobility Card for transit, retail, and ATM withdrawals. Supports offline wallet payments for tolls, parking, and transit points.

Fees & Charges

Know the costs before applying to avoid surprises later

Joining Fee

Nil

Renewal Fee

Nil

Fuel Surcharge Waiver

Zero fuel surcharge on transactions at ICICI Bank swipe machines at selected Government fuel outlets (HPCL/IOCL/BPCL).

Pros & Cons

Weigh the advantages and limitations

Pros

Key benefits and features of this card.

Enjoy zero fuel surcharge at selected government fuel outlets using ICICI Bank swipe machines.

Functions as a unified National Common Mobility Card for transit, retail, and ATM withdrawals.

Supports offline wallet payments for quick, seamless transactions at tolls and transit points.

Benefit from Zero Liability Protection against unauthorized purchases if reported promptly.

Offers high daily transaction limits for both ATM withdrawals and domestic purchases.

Cons

Key drawbacks and limitations of this card.

Eligibility is restricted to existing ICICI Bank account holders, limiting access.

The reward earning rate of 1 point per ₹200 spent is relatively modest.

Fuel surcharge waiver is conditional on using ICICI Bank swipe machines at specific outlets.

Lacks explicit welcome benefits or complimentary lounge access, common in other cards.

Product Details

Comprehensive information about this credit card

Functions as a unified National Common Mobility Card (NCMC) for transit, retail, and ATM withdrawals.

Supports offline wallet payments for quick, seamless transactions at tolls, parking, and transit points.

Offers Tap and Pay functionality for PIN-free Debit Card transactions at contactless terminals.

Provides Zero Liability Protection against unauthorized purchases in case of loss or theft.

Features high daily transaction limits: ₹50,000 for ATM and ₹5,00,000 for domestic purchases.

Access to personalised offers, card-based deals, and benefits from the RuPay network.

Detailed itemized billing provides clear bank statements for all transactions.

What matters, explained clearly

Detailed evaluation to help you make the right decision

Introduction

The RuPay Contactless NCMC Debit Card, issued by ICICI Bank, is designed for smart journeys, making it ideal for transit, retail purchases, and ATM withdrawals. It stands out with key benefits such as zero fuel surcharge, a comprehensive rewards program, support for offline wallet payments, and high spending limits, catering especially to travellers and shoppers.

Fees

  • Fuel Surcharge Waiver: Zero fuel surcharge on transactions made using ICICI Bank swipe machines at selected Government fuel outlets (HPCL/IOCL/BPCL). For transactions at other machines, surcharges will be reversed after a refund from the acquiring bank.

Rewards

  • Reward Points Earning:
    • Earn 1 reward point on every ₹200 spent internationally.
    • Earn 1 reward point on every ₹200 spent domestically.
  • Reward Point Redemption Categories:
    • Health & Beauty
    • Travel & Luggage
    • Shopping Vouchers
    • Home Appliances
    • Electronics
    • Fashion & Lifestyle
  • Personalised Offers: Access to offers, deals, and coupon codes.
  • Card-based Offers: Specific offers tied to the card.
  • Card Network Offers: Benefits provided by the RuPay network.

Rewards Redemption Guide

  • Reward points can be redeemed for a variety of categories including Health & Beauty, Travel & Luggage, Shopping Vouchers, Home Appliances, Electronics, and Fashion & Lifestyle.

Card Eligibility Criteria

  • Applicants must have a bank account with ICICI Bank.
  • Applications can be made by visiting the nearest ICICI Bank branch.

Important Product Details

  • National Common Mobility Card (NCMC): Functions as a unified card for transit, retail, and ATM withdrawals.
  • Offline Card Payments: Supports offline wallet payments for quick, seamless transactions at tolls, parking, and transit points without requiring an internet connection.
  • Tap and Pay: Allows PIN-free Debit Card transactions at supported contactless terminals using an Android Phone.
  • High Spending Limits: Provides generous daily transaction limits.
  • Zero Fuel Surcharge: Enjoy zero fuel surcharge on transactions at ICICI Bank swipe machines at selected Government fuel outlets (HPCL/IOCL/BPCL).
  • Zero Liability Protection: Protection against unauthorised purchases in case of loss, theft, or misplacement. To avail, report the incident within 30 days and submit required documents for account balance restoration.
  • Itemized Billing: Receive detailed bank statements showing purchases with date, merchant's name, and amount.
  • Daily Transaction Limits:
    • ATM Withdrawals:
      • Domestic: ₹50,000
      • International: ₹50,000
    • Purchases:
      • Domestic: ₹5,00,000
      • International: ₹75,000

Other Details

  • Applicable Terms & Conditions are available for review.

Contact ICICI Bank Directly

Toll-free numbers, email, WhatsApp support, and grievance redressal contacts.

Full Contact Details

Frequently Asked Questions

Clear, concise answers to help you understand this card better.