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

Introduction

The RuPay Contactless NCMC Debit Card, issued by ICICI Bank, is designed for modern travellers and shoppers, offering seamless transactions across transit, retail, and ATM withdrawals. It stands out with its National Common Mobility Card (NCMC) functionality, support for offline payments, high spending limits, and a zero fuel surcharge benefit, making it a versatile financial tool for daily use.

Transaction Limits & Usage

• Daily ATM Withdrawal Limit:
  • Domestic: ₹50,000
  • International: ₹50,000
• Daily POS/Online Transaction Limit:
  • Domestic: ₹5,00,000
  • International: ₹75,000
• Offline Wallet Payments: The card supports offline payments within limits, enabling quick, seamless transactions at tolls, parking, and transit points without requiring an internet connection.
• Tap and Pay: Allows for PIN-free Debit Card transactions at supported contactless terminals using an Android Phone.
• International Usage: Available for both ATM withdrawals and purchases with specified limits.

Fees and Charges

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

Rewards & Offers

• Reward Points Program:
  • Earn 1 reward point on every ₹200 spent.
  • Applicable for both International and Domestic spends.
• Reward Point Redemption: Redeem reward points for a variety of categories including Health & Beauty, Travel & Luggage, Shopping Vouchers, Home Appliances, Electronics, and Fashion & Lifestyle.
• Personalised Offers: Access to offers, deals, coupon codes, card-based offers, and card network offers.

Account & Eligibility Criteria

• To apply for the RuPay Contactless NCMC Debit Card, you must have a bank account with ICICI Bank. Applications can be made by visiting your nearest ICICI Bank branch.

Debit Card Review

The RuPay Contactless NCMC Debit Card is ideal for individuals who frequently travel and shop, offering robust features for modern payment needs. Its key advantages include support for offline payments, high daily spending limits, and a valuable fuel surcharge waiver. The card also provides a straightforward reward program on all spends and the convenience of tap-and-pay functionality.

Important Product Details

• Card Type: RuPay Contactless NCMC Debit Card.
• Key Benefits:
  • National Common Mobility Card (NCMC) functionality for transit, retail, and ATM withdrawals.
  • Supports offline card payments for quick transactions at tolls, parking, and transit points.
  • High daily spending limits for both domestic and international transactions.
  • Zero fuel surcharge on transactions at selected Government fuel outlets using ICICI Bank swipe machines.
  • Tap and Pay feature for PIN-free contactless transactions.
  • Earns reward points on every ₹200 spent, redeemable across various categories.
  • Provides itemized billing for clear transaction details in bank statements.
  • Access to personalised offers, deals, and coupon codes.

Other Details

• The card provides itemized billing, detailing purchases with date, merchant's name, and amount in your bank statement.
• For applicable Terms & Conditions (T&Cs), refer to the bank's official documentation.