ICICI BankIs the ICICI Bank RuPay Contactless NCMC Debit Card Right for You?
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).
Key Card Details
Nil
Nil
Reward Points
Notable Perks
Insurance
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.
Benefits & Features
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.
What matters, explained clearly
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
- ATM Withdrawals:
Other Details
- Applicable Terms & Conditions are available for review.