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Which ICICI Debit Cards to keep with bare minimum yearly fee ?

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Laukik

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So ICICI is suggesting me to keep Debit card so I can use it for (RTGS,NEFT and IMPS). Is it the case? With their revised fees, the expressions debit card now costs ₹707(with GST). Do I really need to keep a Debit cards? Since i have 3 CC from ICICI. Which debit card do you use?
 
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skvignesh said:
Yes they use Grid for imps neft txns. Call cus care and get rupay debit card(177rs) it's rupay Platinum variant(default) you can use it for Amazon pay Friday bill payment offer also...upto 100 discount per month..
Click to expand...
What is Amazon pay Friday bill payment?
 
My ICICI smartshopper debit card is broken (bent and damaged at the EMV chip line). Can I just block it permanently and do not apply debit card?

(HDFC is my main account and I keep approx. 20,000 in this ICICI account. No IMPS, NEFT, RTGS transactions. UPI is enough when I want to take this ₹20,000)
 
Laukik said:
So ICICI is suggesting me to keep Debit card so I can use it for (RTGS,NEFT and IMPS). Is it the case? With their revised fees, the expressions debit card now costs ₹707(with GST). Do I really need to keep a Debit cards? Since i have 3 CC from ICICI. Which debit card do you use?
Click to expand...
In lot of cases u need to know the grid no.

So a active dc is kinda must. But u can get a much lower charges dc.
Like smartshopper, or rupay platinum dc(i use) at 177rs
 
I opened an ICICI 360 Account hoping that Debit Card is LTF. But now I got confirmation from Customer Care that it's not LTF. Do they provide any LTF card?
 
Ekavya said:
I opened an ICICI 360 Account hoping that Debit Card is LTF. But now I got confirmation from Customer Care that it's not LTF. Do they provide any LTF card?
Click to expand...
Other than wealth accounts all variants have chargeable dcs
Lower cost is rupay plat which solves the problem of grid for all transactions in icici
 
Ekavya said:
Right now I have too much Debit Cards (None has any benefits).


So my question is can't I use UPI for money transaction? Without keeping Debit Card?
Click to expand...
U can but if it happens to change pin or change device to upi then u need dc and grid in icici
{Always yearly once clear all unused non revenue dc and cc}
 
1. So I made a transaction (IMPS) from Net banking without needing any grid value. Can someone confirm if they only use it for high value transaction?

2. I haven't set any UPI pin for ICICI debit card. But still I can transfer money from iMobile app just by scanning the QR code and most strangely without needing any PIN code or OTP?
What is this.? They don't need PIN?
 
Ekavya said:
1. So I made a transaction (IMPS) from Net banking without needing any grid value. Can someone confirm if they only use it for high value transaction?

2. I haven't set any UPI pin for ICICI debit card. But still I can transfer money from iMobile app just by scanning the QR code and most strangely without needing any PIN code or OTP?
What is this.? They don't need PIN?
Click to expand...
Not sure about neft/imps transfers, but for example if you were to ever pay on a merchant directly through net banking they require the grid.

Other than that, it also acts as a form of verification during certain processes, but most of those you'll have an option to use other methods as well.

You could give it a shot and ask if you're eligible for the wealth management debit card, that is ltf. Otherwise just get the base debit card, or the cheapest one you are ok paying for.
 
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blubber said:
Not sure about neft/imps transfers, but for example if you were to ever pay on a merchant directly through net banking they require the grid.

Other than that, it also acts as a form of verification during certain processes, but most of those you'll have an option to use other methods as well.

You could give it a shot and ask if you're eligible for the wealth management debit card, that is ltf. Otherwise just get the base debit card, or the cheapest one you are ok paying for.
Click to expand...


I got Platinum Rupay So now I am not thinking about the gird issue.

But my insight is:

1. You can transfer money without Grid Using imps.

2. Can transfer money to any UPI ID from ICICI Official App without any UPI PIN.

I haven't tested any merchant.


So if anyone here is thinking of one can transfer without Debit Card. The answer is You can.
 
Ekavya said:
I got Platinum Rupay So now I am not thinking about the gird issue.

But my insight is:

1. You can transfer money without Grid Using imps.

2. Can transfer money to any UPI ID from ICICI Official App without any UPI PIN.

I haven't tested any merchant.


So if anyone here is thinking of one can transfer without Debit Card. The answer is You can.
Click to expand...
Grid is compulsory in net banking for money transfer. I don't know how you are bypassing
 
Ekavya said:
Man I transferred without Gird.
Click to expand...
Minor distinction. Are you talking about a p2p imps transfer or a merchant netbanking payment? A p2p transfer definitely works without the grid. But I've had to use the grid during merchant payments, atleast big numbers.
 
blubber said:
Minor distinction. Are you talking about a p2p imps transfer or a merchant netbanking payment? A p2p transfer definitely works without the grid. But I've had to use the grid during merchant payments, atleast big numb
Click to expand...

I tested only p2p route.
 
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