ICICI BankICICI Bank Titanium Debit card – Benefits, Fees & Eligibility
Is the ICICI Bank Titanium Debit card Right for You?
The ICICI Bank Titanium Debit card is best suited for users who prioritize International Spends, Utilities, Shopping. With a joining fee of ₹300 + GST and a renewal fee of ₹300 + GST, 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 Earn 2 reward points for every ₹200 on international spends; 1 point for every ₹200 on domestic, utility, and insurance..
Key Card Details
₹300 + GST
₹300 + GST
Reward Points
Notable Perks
Domestic Lounge Access
Up to 1 complimentary domestic airport lounge access per quarter, subject to specific spend/balance criteria.
Insurance Coverage
Zero Liability Protection against unauthorized purchases in case of loss, theft, or misplacement.
Things to Consider
An annual fee of ₹300 + GST is applicable, adding to the card's overall cost.
Lounge access is conditional, requiring specific banking program enrollment or spend criteria.
Reward points earning rate is relatively low for domestic and utility spends.
Benefits & Features
Rewards Rate
Earn 2 reward points for every ₹200 on international spends; 1 point for every ₹200 on domestic, utility, and insurance.
Reward Type
Reward Points
Reward Redemption
Redeem points for Health & Beauty, Travel & Luggage, Shopping Vouchers, Home Appliances, Electronics, Fashion & Lifestyle.
Domestic Lounge Access
Up to 1 complimentary domestic airport lounge access per quarter, subject to specific spend/balance criteria.
Insurance Coverage
Zero Liability Protection against unauthorized purchases in case of loss, theft, or misplacement.
Fees & Charges
Joining Fee
₹300 + GST
Renewal Fee
₹300 + GST
Fuel Surcharge Waiver
Zero fuel surcharge on transactions at HPCL, IOCL, BPCL outlets using ICICI Bank POS machines.
Pros & Cons
Pros
Key benefits and features of this card.
Enjoy higher daily transaction and purchase limits, offering greater financial flexibility.
Benefit from Zero Liability Protection, safeguarding against unauthorized card usage.
Access domestic airport lounges quarterly, enhancing your travel experience.
Save on fuel costs with a zero surcharge waiver at major fuel outlets.
Earn reward points on both domestic and international spends, maximizing your benefits.
Cons
Key drawbacks and limitations of this card.
An annual fee of ₹300 + GST is applicable, adding to the card's overall cost.
Lounge access is conditional, requiring specific banking program enrollment or spend criteria.
Reward points earning rate is relatively low for domestic and utility spends.
No explicit welcome benefits or specific discounts on dining or movies are offered.
The card does not offer international lounge access or foreign currency markup details.
Product Details
Offers higher daily transaction and purchase limits for domestic and international use.
Includes Zero Liability Protection against unauthorized transactions for enhanced security.
Supports Tap and Pay functionality for convenient, PIN-free Debit Card transactions.
Enables regular spend tracking through itemized billing for better financial management.
Incorporates advanced fraud-prevention technology and an EMV chip for secure international use.
Allows users to easily increase or decrease card limits via Internet Banking or iMobile.
Provides SMS transaction alerts to keep users informed about their card activity.
Features a robust customer care system for reporting lost/stolen cards and other queries.
Benefits & Features
Rewards Rate
Earn 2 reward points for every ₹200 on international spends; 1 point for every ₹200 on domestic, utility, and insurance.
Reward Type
Reward Points
Reward Redemption
Redeem points for Health & Beauty, Travel & Luggage, Shopping Vouchers, Home Appliances, Electronics, Fashion & Lifestyle.
Domestic Lounge Access
Up to 1 complimentary domestic airport lounge access per quarter, subject to specific spend/balance criteria.
Insurance Coverage
Zero Liability Protection against unauthorized purchases in case of loss, theft, or misplacement.
What matters, explained clearly
Introduction
The ICICI Bank Titanium Debit Card is offered by ICICI Bank, positioned as a card that provides enhanced daily limits and a range of benefits for its users. Its top differentiating benefits include high daily transaction and purchase limits, Zero Liability Protection against unauthorized transactions, reward points on various spends, and a fuel surcharge waiver.
Fees
- Annual Fees: ₹300 + GST
- Replacement Fees: ₹300 + GST
Rewards
- Reward Points:
- Earn 2 reward points 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 utility and insurance payments.
- Domestic Airport Lounge Access:
- Get up to 1 domestic airport lounge access per quarter.
- Lounge Access Criteria:
- For customers enrolled in the Select Banking Program who opened a Savings Account on or after August 1, 2025: Requires minimum spends of ₹10,000 quarterly OR meeting program eligibility of deposits & balances of ₹2 Lakhs quarterly OR maintaining a Relationship Value of ₹25 lakhs (Deposits + Account balance + Investments + Demat holdings) quarterly.
- The spends cycle for lounge access considers spends incurred between the 1st and 31st of the three months of a calendar quarter, with lounge access provided starting the 5th of the month following the quarter end.
- For Savings Family: If customers have opted for family banking, they must maintain 1.5X of the program eligibility criteria at the Family ID level for all family members to enjoy lounge access. If this criterion is not met, the individual spends criterion of ₹10,000 in the previous quarter shall apply.
- For Salary Family: Individual spends of ₹10,000 on the Debit Card in the last quarter are checked for all. If this criterion is not met and family members with Savings Accounts are part of the Select Banking, Wealth Management, or Private Banking program, individual program eligibility criteria will be considered to provide lounge access. For Salary Account holders, only ₹10,000 spends on the Debit Card in the previous quarter will be considered.
- Fuel Surcharge Waiver: Enjoy zero fuel surcharge on transactions made on ICICI Bank POS machines at HPCL, IOCL, and BPCL outlets.
- Zero Liability Protection: Provides protection against unauthorized purchases in case of loss, theft, or misplacement of the card.
- Tap and Pay: Facilitates PIN-free Debit Card transactions using an Android Phone.
- Itemized Billing: Allows users to track their spends on a regular basis.
Rewards Redemption Guide
- Reward points can be redeemed for a variety of categories, including:
- Health & Beauty products
- Travel & Luggage items
- Shopping Vouchers
- Home Appliances
- Electronics
- Fashion & Lifestyle products
Card Eligibility Criteria
- Lounge Access Eligibility:
- For customers enrolled in the Select Banking Program who opened a Savings Account on or after August 1, 2025: Requires minimum spends of ₹10,000 quarterly OR meeting program eligibility of deposits & balances of ₹2 Lakhs quarterly OR maintaining a Relationship Value of ₹25 lakhs (Deposits + Account balance + Investments + Demat holdings) quarterly.
- For Savings Family: If customers have opted for family banking, they must maintain 1.5X of the program eligibility criteria at the Family ID level for all family members to enjoy lounge access. If this criterion is not met, the individual spends criterion of ₹10,000 in the previous quarter shall apply.
- For Salary Family: Individual spends of ₹10,000 on the Debit Card in the last quarter are checked for all. If this criterion is not met and family members with Savings Accounts are part of the Select Banking, Wealth Management, or Private Banking program, individual program eligibility criteria will be considered to provide lounge access. For Salary Account holders, only ₹10,000 spends on the Debit Card in the previous quarter will be considered.
Card Review
- A customer review highlights the ICICI Bank Titanium Debit Card's straightforward activation and ease of use for both online and in-person transactions.
Important Product Details
- Positive Highlights:
- Offers higher daily transaction and purchase limits.
- Includes Zero Liability Protection against unauthorized transactions.
- Provides reward points on domestic, international, utility, and insurance spends.
- Grants quarterly domestic airport lounge access, subject to specific eligibility criteria.
- Features a zero fuel surcharge at designated HPCL, IOCL, and BPCL outlets when using ICICI Bank POS machines.
- Supports Tap and Pay functionality for convenient, PIN-free transactions.
- Enables regular spend tracking through itemized billing.
- Incorporates advanced fraud-prevention technology and an EMV chip for enhanced security, making it safe for international use.
- Allows users to easily increase or decrease card limits via Internet Banking or iMobile.
- Negative Highlights:
- An annual fee and a replacement fee are applicable.
- Lounge access is conditional and depends on specific banking program enrollment, account opening date, and quarterly spend or balance maintenance criteria.
Other Details
- Daily Spends Limit:
- Domestic ATM Withdrawal: ₹1,00,000
- International ATM Withdrawal: ₹1,50,000
- Domestic Purchase Limit: ₹5,00,000
- International Purchase Limit: ₹1,75,000
- Reporting Lost/Stolen Card: In case of loss, theft, or misplacement, the card should be reported to Customer Care on 1800 1080 within 15 days, along with required supporting documents.
- SMS Transaction Alerts: If SMS alerts are not being received, contact Customer Care on 1800 1080 or visit any ICICI Bank Branch, ensuring the registered mobile number is active.
- Terms & Conditions: Applicable Terms & Conditions are available for review.