ICICI Bank offers a range of debit cards with complimentary insurance coverage, including personal accident, air accident, and purchase protection. Coverage varies by card type, catering to different customer needs, from basic to premium. These benefits enhance financial security for cardholders during transactions and travel.
ICICI Bank Debit Cards: Insurance Coverage, Features, and Fees
1. Sapphiro Debit Card
Premium card designed for superior value with concierge services, lounge access, and robust insurance coverage.
Insurance Coverage:
- Air accident insurance: Up to ₹1 crore.
- Personal accident insurance: Up to ₹10 lakh.
- Purchase protection: Up to ₹2.5 lakh.
- Fraud protection: Up to ₹20,000 under group policy.
Features and Benefits:
- 4 complimentary domestic lounge visits per quarter (min. ₹5,000 spend in previous quarter).
- 25% discount on movie tickets (max ₹200 on BookMyShow, max ₹100 on INOX, min. 2 tickets).
- Earn 4 Reward Points per ₹200 domestic spend, 8 per ₹200 international spend.
- Contactless payments enabled.
- Zero fuel surcharge at select HPCL/IOCL/BPCL pumps with ICICI terminals.
Fees and Charges:
- Joining fee: ₹1,999 + GST.
- Annual fee: ₹1,999 + GST.
- Card re-issuance: ₹200 + GST.
- Foreign transaction fee: 3.5% + GST.
- ATM withdrawal (non-ICICI international): ₹125 + 3.5% currency conversion + GST.
Pros:
- High transaction limits (₹7.5 lakh domestic, ₹3 lakh international daily).
- Premium lounge access and concierge services.
- Robust insurance coverage.
Cons:
- High joining and annual fees.
- Lounge access requires minimum spend.
2. Rubyx Debit Card
Mid-tier card offering a balance of rewards, lounge access, and convenience at an affordable price.
Insurance Coverage:
- Air accident insurance: Up to ₹50 lakh.
- Personal accident insurance: Up to ₹5 lakh.
- Purchase protection: Up to ₹1 lakh.
Features and Benefits:
- 2 complimentary domestic lounge visits per quarter (min. ₹10,000 spend in previous quarter).
- Earn 3 Reward Points per ₹200 domestic spend, 6 per ₹200 international spend.
- 25% discount on movie tickets (max ₹100 on INOX, min. 2 tickets, twice monthly).
- Contactless payments enabled.
- Zero fuel surcharge at select government fuel outlets with ICICI terminals.
Fees and Charges:
- Joining fee: ₹1,099 + GST.
- Annual fee: ₹250 + GST.
- Card re-issuance: ₹200 + GST.
- Foreign transaction fee: 3.5% + GST.
- ATM withdrawal (non-ICICI international): ₹125 + 3.5% currency conversion + GST.
Pros:
- Affordable joining fee compared to Sapphiro.
- Decent reward points and lounge access.
- Contactless payment convenience.
Cons:
- Lower insurance coverage than Sapphiro.
- Lounge access limited to domestic airports.
3. Coral Debit Card
Entry-level card with travel and entertainment benefits, ideal for frequent travelers and casual spenders.
Insurance Coverage:
- Air accident insurance: Up to ₹20 lakh.
- Personal accident insurance: Up to ₹10 lakh.
- Purchase protection: Up to ₹2.5 lakh.
Features and Benefits:
- 2 complimentary domestic lounge visits per quarter (min. ₹10,000 spend in previous quarter).
- Earn 2 Reward Points per ₹200 domestic spend, 4 per ₹200 international spend.
- 25% discount on movie tickets (max ₹100 on BookMyShow, max ₹50 on INOX, min. 2 tickets).
- Contactless payments enabled.
- 1% fuel surcharge waiver at HPCL pumps (up to ₹4,000 transaction).
Fees and Charges:
- Joining fee: ₹699 + GST.
- Annual fee: ₹599 + GST.
- Card re-issuance: ₹200 + GST.
- Foreign transaction fee: 3.5% + GST.
- ATM withdrawal (non-ICICI international): ₹125 + 3.5% currency conversion + GST.
Pros:
- Low joining and annual fees.
- Decent rewards for entry-level card.
- Lounge access for frequent travellers.
Cons:
- Limited insurance coverage.
- Lower reward points compared to Rubyx/Sapphiro.
4. Wealth Management World Debit Card
Premium card for high-net-worth individuals with high limits and exclusive privileges.
Insurance Coverage:
- Air accident insurance: Up to ₹1 crore.
- Personal accident insurance: Up to ₹10 lakh.
- Purchase protection: Up to ₹2.5 lakh.
Features and Benefits:
- 2 complimentary domestic lounge visits per quarter (no minimum spend).
- Earn 2 Reward Points per ₹200 spent (except mutual funds, telecom, etc.).
- Zero fuel surcharge at select government fuel outlets with ICICI terminals.
- Zero liability protection for unauthorized transactions.
- High daily limits: ₹10 lakh (domestic purchase), ₹5 lakh (international purchase).
Fees and Charges:
- Joining fee: ₹2,999 + GST.
- Annual fee: ₹2,999 + GST.
- Card re-issuance: ₹200 + GST.
- Foreign transaction fee: 3.5% + GST.
- ATM withdrawal (non-ICICI international): ₹125 + 3.5% currency conversion + GST.
Pros:
- No minimum spend for lounge access.
- High transaction limits.
- Strong insurance coverage.
Cons:
- High fees.
- Limited reward points compared to Sapphiro.
5. Family Debit Card
Designed for family-oriented benefits with travel and lifestyle perks.
Insurance Coverage:
- Air accident insurance: Up to ₹15 lakh.
- Personal accident insurance: Up to ₹5 lakh.
- Purchase protection: Up to ₹1 lakh.
Fees and Charges:
- Joining fee: ₹250 + GST.
- Annual fee: ₹250 + GST.
- Card re-issuance: ₹200 + GST.
- Foreign transaction fee: 3.5% + GST.
- ATM withdrawal (non-ICICI international): ₹125 + 3.5% currency conversion + GST.
Pros:
- Low fees.
- Family-oriented discounts.
- Decent insurance for budget card.
Cons:
- No lounge access.
- Low reward points.
6. Titanium Business Debit Card
Tailored for business users with high transaction limits and travel perks.
Insurance Coverage:
- Air accident insurance: Up to ₹15 lakh.
- Personal accident insurance: Up to ₹5 lakh.
- Purchase protection: Up to ₹1 lakh.
Features and Benefits:
- Earn 4 Reward Points per ₹200 domestic spend, 10 per ₹200 international spend.
- Zero fuel surcharge at select government fuel outlets with ICICI terminals.
- High daily limits: ₹7.5 lakh (domestic purchase), ₹2.5 lakh (cash withdrawal).
- Itemized billing for expense tracking.
Fees and Charges:
- Joining fee: ₹250 + GST.
- Annual fee: ₹250 + GST.
- Card re-issuance: ₹200 + GST.
- Foreign transaction fee: 3.5% + GST.
- ATM withdrawal (non-ICICI international): ₹125 + 3.5% currency conversion + GST.
Pros:
- Low fees.
- High transaction limits for business needs.
- Good reward points for international spends.
Cons:
- No lounge access.
- Limited insurance coverage.
Comparison with Peer Debit Cards
Card | Joining Fee | Annual Fee | Reward Points (per ₹200) | Lounge Access | Insurance (Air/Personal/Purchase) | Key Drawback |
ICICI Sapphiro | ₹1,999 + GST | ₹1,999 + GST | 4 (Dom), 8 (Int) | 4 domestic/quarter | ₹1 cr/₹10 lakh/₹2.5 lakh | High fees |
ICICI Rubyx | ₹1,099 + GST | ₹250 + GST | 3 (Dom), 6 (Int) | 2 domestic/quarter | ₹50 lakh/₹5 lakh/₹1 lakh | Limited insurance |
ICICI Coral | ₹699 + GST | ₹599 + GST | 2 (Dom), 4 (Int) | 2 domestic/quarter | ₹20 lakh/₹10 lakh/₹2.5 lakh | Basic rewards |
ICICI Wealth | ₹2,999 + GST | ₹2,999 + GST | 2 (Dom), 2 (Int) | 2 domestic/quarter | ₹1 cr/₹10 lakh/₹2.5 lakh | High fees |
ICICI Titanium Family | ₹250 + GST | ₹250 + GST | 1 (Dom), 1 (Int) | None | ₹15 lakh/₹5 lakh/₹1 lakh | No lounge access |
ICICI Titanium Business | ₹250 + GST | ₹250 + GST | 4 (Dom), 10 (Int) | None | ₹15 lakh/₹5 lakh/₹1 lakh | No lounge access |
Axis Bank Burgundy | ₹1,500 + GST | ₹1,500 + GST | 2 (Dom), 4 (Int) | 8 domestic/quarter | ₹1 cr/₹10 lakh/₹2 lakh | High fees |
HDFC EasyShop Platinum | ₹500 + GST | ₹500 + GST | 2 (Dom), 5 (Int) | 2 domestic/quarter | ₹50 lakh/₹5 lakh/₹1 lakh | Limited insurance |
SBI Platinum International | ₹499 + GST | ₹499 + GST | 1 (Dom), 2 (Int) | 2 domestic/quarter | ₹50 lakh/₹5 lakh/₹1 lakh | Basic rewards |
How to Apply
- Online:
- Visit https://www.icicibank.com.
- Navigate to Personal Banking > Cards > Debit Cards > Choose Your Debit Card.
- Select desired card and click “Apply Now.”
- Fill in details, verify credentials, and submit.
- Card issued within 7-10 working days.
- Offline:
- Visit nearest ICICI Bank branch.
- Request application form for desired debit card.
- Submit form with identity, address, and account details.
- Card issued within 7-10 working days.
- Customer Care:
- Call 1800-1080 or 1860-120-7777.
- Request new debit card or upgrade.
- Provide account details for verification.
- Card dispatched within 7-10 days.
How to Activate
- iMobile App:
- Log in to iMobile app.
- Go to “Card Services” > “Debit Card” > “Activate Card.”
- Enter card details and set PIN.
- Confirm to activate.
- Net Banking:
- Log in to https://www.icicibank.com.
- Navigate to “Cards & Loans” > “Debit/ATM Card” > “Activate Card.”
- Enter card details, set PIN, and submit.
- ATM:
- Insert card at ICICI Bank ATM.
- Select “Generate PIN” or “Activate Card.”
- Follow prompts to set 4-digit PIN.
- Customer Care:
- Call 1800-1080 or 1860-120-7777.
- Verify identity and request activation.
- Follow instructions to set PIN.
Note: Reward points not applicable for mutual funds, telecom, education, utilities, insurance, government payments, fuel, or wallet transfers. Verify details with ICICI Bank before applying.
With over 15 years of experience in Banking, investment banking, personal finance, or financial planning, Dkush has a knack for breaking down complex financial concepts into actionable, easy-to-understand advice. A MBA finance and a lifelong learner, Dkush is committed to helping readers achieve financial independence through smart budgeting, investing, and wealth-building strategies, Follow Dailyfinancial.in for practical tips and a roadmap to financial success!
