ICICI Bank Titanium Debit card – Benefits, Fees & Eligibility

Introduction

The ICICI Bank Titanium Debit Card is designed for customers seeking high daily transaction limits, special discounts, and a rewarding experience without the need for cash. It offers a blend of convenience and benefits, including reward points on various transactions, a fuel surcharge waiver, and conditional domestic airport lounge access, particularly beneficial for those enrolled in the Select Banking Program.

Transaction Limits & Usage

• Daily ATM Withdrawal Limit:
  • Domestic: ₹1,00,000
  • International: ₹1,50,000
• Daily POS/Online Transaction Limit:
  • Domestic: ₹5,00,000
  • International: ₹1,75,000
• International Usage: The card is safe and can be used abroad for transactions, offering specific reward points for international spends.
• Tap and Pay: Facilitates PIN-free Debit Card transactions using an Android Phone.
• Limit Management: Card limits can be increased or decreased using Net Banking or the ICICI Bank iMobile app.

Fees and Charges

• Annual Fee: ₹300 + GST
• Replacement Fee: ₹300 + GST
• Fuel Surcharge: Zero fuel surcharge on transactions made on ICICI Bank Point of Sale (POS) machines at HPCL, IOCL, and BPCL outlets.

Rewards & Offers

• 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.
• Reward Point Redemption: Reward points can be redeemed for a variety of categories including:
  • Health and beauty
  • Travel and luggage
  • Shopping vouchers
  • Home appliances
  • Electronics
  • Fashion and lifestyle
• Lounge Access:
  • Get up to 1 domestic airport lounge access per quarter.
  • Eligibility Criteria for Lounge Access (if enrolled in Select Banking Program and account opened on or after August 1, 2025):
    • Minimum spends of ₹10,000 quarterly OR
    • Meeting program eligibility of deposits and balances of ₹2 lakh quarterly OR
    • Relationship value of ₹25 lakhs (Deposits + Account balance + Investments + Demat holdings) quarterly.
  • Spends Cycle for Lounge Access: Spends incurred between the 1st and 31st of the three months of a calendar quarter will be considered, and lounge access will be provided starting the 5th of the month following the quarter end.
  • Lounge Access Criteria for Family Banking:
    • For Savings Family: If customers opt 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 criteria 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 Select Banking, Wealth Management, or Private Banking programs, individual program eligibility criteria will be considered for lounge access. For Salary Account holders, only ₹10,000 spends on the Debit Card in the previous quarter will be considered.

Account & Eligibility Criteria

• Linked Account Tiers: The card is associated with programs like Select Banking, Wealth Management, and Private Banking, which influence lounge access eligibility.
• Minimum Average Balance (MAB) / Relationship Value for Lounge Access: To qualify for lounge access, customers need to meet program eligibility of deposits and balances of ₹2 lakh quarterly or a Relationship value of ₹25 lakhs (Deposits + Account balance + Investments + Demat holdings) quarterly, in addition to spend criteria.

Debit Card Review

The ICICI Bank Titanium Debit Card is well-suited for individuals who maintain a significant balance or relationship value with ICICI Bank and have high spending habits, both domestically and internationally. Its high transaction limits make it ideal for substantial purchases and withdrawals. The card offers good value through its reward points program, especially for international and utility spends, and provides a valuable fuel surcharge waiver. The conditional domestic lounge access is a significant perk for frequent travelers who can meet the specified spending or balance criteria. However, users should be aware of the annual and replacement fees.

Important Product Details

• High Transaction Limits: Offers high daily ATM withdrawal and POS/online transaction limits.
• Reward Points: Earns reward points on domestic, international, utility, and insurance spends.
• Fuel Surcharge Waiver: Provides zero fuel surcharge at specific fuel outlets when using ICICI Bank POS machines.
• Domestic Lounge Access: Offers quarterly domestic airport lounge access, subject to specific spending or balance criteria.
• Security: Incorporates advanced fraud-prevention technology and protection against data theft via an EMV chip.
• Convenience: Features Tap and Pay for quick, PIN-free transactions.

Other Details

• Itemized Billing: Allows users to track their spends regularly.
• Security Features: The card incorporates an EMV chip for enhanced security against fraud and data theft.
• Reporting Lost/Stolen Card: In case of a lost, stolen, or misplaced card, it should be reported to Customer Care (1800 1080) within 15 days, along with required supporting documents.
• SMS Transaction Alerts: If SMS alerts are not received, contact Customer Care (1800 1080) or visit any ICICI Bank branch, ensuring the registered mobile number is active.
• Terms & Conditions: Applicable Terms & Conditions apply to the card's features and usage.
• Customer Feedback: The debit card is noted for being straightforward to activate and use for both online and in-person transactions.