Do you have an ICICI debit card and want to use it for online transactions? If yes, then you are in the right place. In this article, I will show you how to activate ICICI debit card for online transaction in a few simple steps.
Activating your ICICI debit card for online transaction is easy and quick. You can do it online, through the iMobile app, or at an ICICI ATM.
You can also choose the type of online transaction you want to enable on your card, such as e-commerce, international, or domestic transactions.
In this article, I will guide you through the process to activate ICICI debit card for online transaction and explain the benefits and features of each type of online transaction.
By the end of this article, you will be able to use your ICICI debit card for online transactions without any hassle.
So let’s get started!
Why We Need to Enable Online Transaction ICICI Debit Card
RBI has made clear that newly issued debit cards will have online transaction disabled by default as a security measure to prevent fraud and misuse.
This means that if you have received a new ICICI debit card recently, you will not be able to use it for online transactions unless you enable it.
Therefore, enabling online transaction on your ICICI debit card is necessary if you want to use it for e-commerce, international, or domestic transactions.
In the next section, I will show you how to activate your ICICI debit card for online transaction.
How to Activate ICICI Debit Card Online
There are three ways to activate your ICICI debit card for online transaction:
Online, through the iMobile app, or at an ICICI ATM. You can choose any of these methods according to your convenience and preference. Here are the steps for each method:
Activate ICICI Debit Card Online through Net banking
- Visit the [ICICI Bank website] and log in with your internet banking user ID and password.
- Go to Cards & Loans > Debit and ATM Cards
- In Service Request Section , Click on Generate Pins
- Select your account number and debit card number from the drop-down menus.
- Enter the CVV number (the three-digit number on the back of your card) and expiry date of your card.
- Click on Submit.
- You will receive an OTP (one-time password) on your registered mobile number.
- Enter the OTP and click on Submit.
- Set a four-digit PIN of your choice and confirm it.
- Click on Submit.
- Your ICICI debit card will be activated for online transaction.
Activate ICICI Debit Card through iMobile App
- Download the [iMobile app] from Google Play Store or Apple App Store and install it on your smartphone.
- Open the app and log in with your internet banking user ID and password or your four-digit PIN or your fingerprint.
- Tap on Services > Card PIN Services > Generate Debit Card PIN.
- Select your account number and debit card number from the drop-down menus.
- Enter the CVV number and expiry date of your card.
- Tap on Submit.
- You will receive an OTP on your registered mobile number.
- Enter the OTP and tap on Submit.
- Set a four-digit PIN of your choice and confirm it.
- Tap on Submit.
- Your ICICI debit card will be activated for online transaction.
Activate ICICI Debit Card at ICICI ATM
- Visit any [ICICI Bank ATM] near you and insert your ICICI debit card in the slot.
- Select your preferred language and enter your existing PIN (if you have one) or the green PIN (the six-digit number sent to you by SMS when you received your card).
- Select More Options > Generate PIN > Generate OTP.
- You will receive an OTP on your registered mobile number.
- Enter the OTP and press Enter.
- Set a four-digit PIN of your choice and confirm it.
- Press Enter.
- Your ICICI debit card will be activated for online transaction.
How to Activate ICICI Debit Card for Online Transaction
After activating your ICICI debit card for online transaction, you need to enable online transaction on it.
This means that you need to select the type of online transaction you want to use your card for. There are three types of online transaction that you can enable on your ICICI debit card: e-commerce, international, and domestic transactions.
Activate ICICI Debit Card for E-commerce Transactions
E-commerce transactions are those that involve buying or selling goods or services online. For example, shopping on Amazon, Flipkart, Myntra, etc., paying bills on Paytm, PhonePe, Google Pay, etc., booking tickets on MakeMyTrip, IRCTC, BookMyShow, etc., or transferring money on PayPal, Western Union, etc.
To enable e-commerce transactions on your ICICI debit card, follow these steps:
- Visit the [ICICI Bank website] or open the [iMobile app] and log in with your credentials.
- Go to My Accounts > Cards > Debit Cards > Manage Limits > Modify Limits (on website) or tap on Services > Card Services > Modify Debit Card Limit (on app).
- Select your account number and debit card number from the drop-down menus.
- Under the E-commerce Transactions section, toggle the switch to ON or OFF as per your preference. You can also set a daily limit for e-commerce transactions on your card. The default limit is Rs. 50,000 per day.
- Click on Submit (on website) or tap on Confirm (on app).
- You will receive an OTP on your registered mobile number.
- Enter the OTP and click on Submit (on website) or tap on Confirm (on app).
- Your e-commerce transactions will be enabled or disabled on your ICICI debit card as per your preference.
Activate ICICI Debit Card for International Transactions
International transactions are those that involve making payments in foreign currency or outside India. For example, shopping on AliExpress, eBay, etc., booking hotels or flights on Expedia, Airbnb, etc., or transferring money to a foreign bank account.
To enable international transactions on your ICICI debit card, follow these steps:
- Visit the [ICICI Bank website] or open the [iMobile app] and log in with your credentials.
- Go to My Accounts > Cards > Debit Cards > Manage Limits > Modify Limits (on website) or tap on Services > Card Services > Modify Debit Card Limit (on app).
- Select your account number and debit card number from the drop-down menus.
- Under the International Transactions section, toggle the switch to ON or OFF as per your preference. You can also set a daily limit for international transactions on your card. The default limit is Rs. 2 lakh per day.
- Click on Submit (on website) or tap on Confirm (on app).
- You will receive an OTP on your registered mobile number.
- Enter the OTP and click on Submit (on website) or tap on Confirm (on app).
- Your international transactions will be enabled or disabled on your ICICI debit card as per your preference.
Activate ICICI Debit Card for Domestic Transactions
Domestic transactions are those that involve making payments in Indian rupees within India. For example, withdrawing cash from an ATM, swiping your card at a POS terminal, using UPI or QR code, etc.
To enable domestic transactions on your ICICI debit card, follow these steps:
- Visit the [ICICI Bank website] or open the [iMobile app] and log in with your credentials.
- Go to My Accounts > Cards > Debit Cards > Manage Limits > Modify Limits (on website) or tap on Services > Card Services > Manage Debit Card Limit (on app).
- Select your account number and debit card number from the drop-down menus.
- Under the Domestic Transactions section, toggle the switch to ON or OFF as per your preference. You can also set a daily limit for domestic transactions on your card. The default limit is Rs. 1 lakh per day.
- Click on Submit (on website) or tap on Confirm (on app).
- You will receive an OTP on your registered mobile number.
- Enter the OTP and click on Submit (on website) or tap on Confirm (on app).
- Your domestic transactions will be enabled or disabled on your ICICI debit card as per your preference.
How to Activate New ICICI Debit Card
If you have received a new ICICI debit card due to expiry, loss, or damage of the old one, you need to activate it before using it for online transactions.
You can activate your new ICICI debit card by following the same steps as activating an existing one. You can choose any of the three methods: online, through the iMobile app, or at an ATM.
Conclusion
In this article, I have shown you how to activate ICICI debit card for online transaction in a few simple steps. I have also explained the benefits and features of each type of online transaction that you can enable on your ICICI bank debit card.
By activating your ICICI debit card for online transaction, you can enjoy convenience, security, and rewards. You can shop online, pay bills, book tickets, transfer money, and do much more with your ICICI debit card. You can also earn reward points on every online transaction you make with your ICICI debit card.
So what are you waiting for? Activate your ICICI debit card for online transaction today and start enjoying online transactions. If you have any questions or feedback, please leave a comment below. I would love to hear from you.
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FAQs
How can I check if my ICICI debit card is activated for online transaction?
You can check the status of your ICICI debit card by logging in to the [ICICI Bank website] or the [iMobile app] and going to My Accounts > Cards > Debit Cards > Manage Limits > View Limits. You will see the current limits and status of your card for each type of online transaction.
What are the charges and fees for using ICICI debit card for online transaction?
There are no charges or fees for using ICICI debit card for online transaction within India. However, if you use your card for international transactions, you will be charged a currency conversion fee of 3.5% plus GST on the transaction amount. You may also incur additional charges from the merchant or the foreign bank.
How can I increase or decrease the limit of my ICICI debit card for online transaction?
You can modify the limit of your ICICI debit card for online transaction by logging in to the [ICICI Bank website] or the [iMobile app] and going to My Accounts > Cards > Debit Cards > Manage Limits > Modify Limits. You can set a daily limit for each type of online transaction on your card. The minimum limit is Rs. 10,000 and the maximum limit is Rs. 5 lakh per day.
How can I disable online transaction on my ICICI debit card if I lose it or suspect fraud?
You can disable online transaction on your ICICI debit card by logging in to the [ICICI Bank website] or the [iMobile app] and going to My Accounts > Cards > Debit Cards > Manage Limits > Modify Limits. You can toggle the switch to OFF for each type of online transaction on your card. You can also block your card entirely by calling the ICICI Bank customer care at 1860 120 7777.
How can I get a new ICICI debit card if my old one expires or gets damaged?
You can request a new ICICI debit card by logging in to the [ICICI Bank website] or the [iMobile app] and going to My Accounts > Cards > Debit Cards > Request > Reissue/Replace Card. You can select your account number and old debit card number from the drop-down menus and choose a reason for reissue or replacement. You will receive your new ICICI debit card within 7 working days at your registered address.
