Debit Card

 
 

ICICI Bank Canada debit card^ is a convenient and secure payment tool. You may use the card for making in-store and online purchases, as well as cash withdrawals at ABMs in Canada and globally*.

ICICI Bank Canada debit card comes with enhanced security including Chip and PIN technology and fraud monitoring service around-the-clock, making your transactions more secure.

^If your existing debit card only has the Interac, Cirrus and THE EXCHANGE logo, upgrade it to a new card powered by 3 networks.  Simply visit a branch for instant issuance or call our Customer Contact Centre at 1-888-424-2422.

* To check the debit card acceptance, please visit the debit card section on our website.

  1. ONLINE: ICICI Bank Canada debit card can be used for online payments in Canada and globally.
  2. IN-STORE: ICICI Bank Canada debit card can be used at retailers displaying the Interac logo for your in-store purchases in Canada and wherever Visa payments are accepted globally.
  3. ABM:  ICICI Bank Canada debit card^ can be used at any ABM which displays  the Interac, THE EXCHANGE or PLUS logo and wherever VISA cards are accepted in Canada and globally.

^If your existing debit card only has the Interac, Cirrus and THE EXCHANGE logo, upgrade it to a new card powered by 3 networks.  Simply visit a branch for instant issuance or call our Customer Contact Centre at 1-888-424-2422.

You can use your ICICI Bank Canada debit card for the following purposes:

1. ONLINE PURCHASE

For Domestic and International Transactions:

Step 1 – Go to the checkout page after selecting your purchases.
Step 2 – Enter the debit card details prompted by the merchant which may include: your card number, card expiry date, cardholder name, postal code and CVV. CVV is the 3-digit number printed on the back of your debit card besides the signature strip.
Step 3 – Confirm the transaction amount which will be debited from the account linked to your debit card.

 

2. IN-STORE PURCHASE

Contactless Purchases – For Transactions in Canada:

Step 1 – Check for INTERAC Flash† enabled terminal.
Step 2 – Verify and confirm the purchase amount before you tap the card on the terminal to complete the transaction.

EMV Chip and PIN – For Transactions in Canada and Other Countries:


Step 1 – Insert your debit card in the terminal when prompted. Do not remove your card until the transaction is completed.
Step 2 - Confirm the purchase amount and enter your PIN when prompted to complete the transaction.

 

Alternatively, you may swipe your card to complete a purchase. Use of EMV Chip or contactless mode for enhanced security is recommended.

3. CASH WITHDRAWAL

For Domestic and International Withdrawal:

Step 1 – Insert your debit card in the ABM.
Step 2 – Follow the prompt to enter your PIN and select cash withdrawal.
Step 3 – Enter the amount.
Step 4 – Collect cash, your card and the transaction receipt.

Please note that options other than cash withdrawal will prompt different screens depending on the network. Please follow the prompts to complete the desired transactions.

Please note that some debit card transactions may reflect in your account after a few days based on the transaction amount claim received by the Bank.

 

Yes. All ICICI Bank Canada debit cards need to be activated before you use it for the first time through one of these options:

1. Online Banking > Accounts > Manage My Debit Card > Activate My New Debit Card
2. Mobile Banking > Accounts >Manage My Debit Card > Activate My New Debit Card
3. Call our Customer Contact Centre at 1-888-424-2422
4. Visit one of our branches

Post activation, your debit card is enabled for all online and in-store purchases, as well as cash withdrawals.

 

Note - All existing debit cards linked to your account will be closed post activation of your new card.

The daily transaction limit for online and in-store purchases, as well as cash withdrawals is $750 for currently issued cards. If your daily transaction limit is lower than this amount or if you wish to change your existing daily transaction limit, please call our 24-hour Customer Contact Centre at 1-888-424-2422 or visit one of our branches.

Yes. ICICI Bank Canada debit card can be used globally wherever VISA or PLUS logo is displayed.

You may visit one of our branches, use an ABM on our branch network or on THE EXCHANGE network, to change the PIN by using your existing PIN.

Please call our Customer Contact Centre at 1-888-424-2422 or visit one of our branches.

ICICI Bank Canada debit card can be blocked using the following options:

1. Log in to Online Banking > Accounts > Manage My Debit Card > Block my lost/misplaced/stolen debit card
2. Sign in to Mobile Banking > Accounts > Manage My Debit Card > Block my lost/misplaced/stolen debit card
3. Call anytime at 1-888-424-2422
4. Visit a branch

Please note that once your debit card is reported as stolen, it can't be activated again.

ICICI Bank Canada debit card can be unblocked using the following options:

1. Log in to Online Banking > Accounts > Manage My Debit Card > Unblock my debit card
2. Sign in to Mobile Banking > Accounts > Manage My Debit Card > Unblock my debit card
3. Call anytime at 1-888-424-2422
4. Visit a branch

Please call our Customer Contact Centre at 1-888-424-2422 or visit one of our branches.

Please call our Customer Contact Centre at 1-888-424-2422 or visit one of our branches.

No fee will be levied for a replacement card.

Call our 24-hour Customer Contact Centre immediately at 1-888-424-2422.

Please note that some debit card transactions may reflect in your account after a few days based on the transaction amount claim received by the Bank.

In such a scenario, the amount of this transaction will be marked as “lien” in your account. The Bank will wait for 30 days for claim by the merchant and release the funds back to you if such claim is not received.

Please note that some debit card transactions may reflect in your account after a few days based on the transaction amount claim received by the Bank.

In such a scenario, the amount of this transaction will be marked as “lien” in your account. The Bank will wait for 30 days for claim by the merchant and release the funds back to you if such claim is not received.

Visa Account Updater (VAU) allows you to update your debit card number and expiry date. You can do this securely at participating merchants who have your card details on their file. This service is available to you at no extra cost. If you have set up a pre-authorized payment and your respective merchant has selected to use the Visa Account Updater (VAU) service, they will receive your new card details when your information changes at ICICI Bank Canada. Please note, not all merchants participate in VAU, so it is your responsibility to ensure that your debit card information is updated at all merchants where you have pre-authorized payment set up. You must settle any dispute or liability, if any, for transactions relating to those pre-authorized payments directly with the merchant involved.

If you do not want your new ICICI Bank Canada debit card details included in the updating service provided by Visa, you may cancel it by contacting us at 1-888-424-2422.

Cities across Canada plan to modernize transit payments as part of efforts to improve mobility services broadly and make them more convenient and accessible for riders. Transit Open Payments or open payment fare systems provide the ability for riders to tap a payment card issued by their financial institution or a mobile wallet provisioned with FI-issued payment credentials at fare readers without the need to use a transit fare card or transit app in a mobile wallet. Interac is enabling the ability for a debit card supported by Interac® Debit to be used for this purpose.

The ability to pay for transit directly via Interac Debit will initially launch at the Union Pearson Express in Toronto through Metrolinx in Spring/Summer, 2021. This payment method will be rolled out in phases including additional transit authorities across Canada. For additional information on availability and rollout, please visit Interac.ca.

While many large cities internationally have implemented support for Transit Open Payments, implementation plans are based on transit authorities, municipalities and government agencies. Interac is involved in discussions with a number of transit authorities across Canada that have expressed interest in implementing Transit Open Payments. To learn more about Transit Open Payments availability in your area, please reach out to your local transit authority.

Transit Open Payments will be implemented by transit authorities taking a phased approach across the transit systems and each system has their own project timeline. For example, Toronto will begin the first phase by launching open payments on the Union Pearson Express with additional transit lines and transit authorities to follow.

To learn more about Transit Open Payments, please visit the Interac Newsroom and reach out to your local transit authority.

It is at the discretion of the transit authority (and/or the municipalities served or associated government agencies) to determine payment options available to transit system users. Please reach out to your transit authority for more information.

Internationally-issued debit cards may be accepted under Transit Open Payments at most transit authorities as a convenience to travelers and as a convenient incentive to use the transit authorities service over other modes of transit.

Interac debit cards that are co-branded with an international debit product (e.g. Visa Debit, MasterCard Debit) should work where a transit authority outside of Canada accepts Transit Open Payments.

Interac debit cards that are not co-branded will not currently work for Transit Open Payments outside of Canada. While Interac Debit is accepted at point-of-sale at many merchants in the US, Interac does not have a planned date to support Interac Debit contactless payments in the US, which is required for Transit Open Payments.

Your first point of contact is the transit authority. Transit authorities maintain detailed records about the trips that customers make in order to correctly calculate applicable fares. In addition, transit authorities are required to make information about rates charged and how fares are calculated readily available and this information can typically be found on their websites. The transit authority may ask that you follow up with the bank should circumstances require additional information.

To verify that a fare has been paid, the transit enforcement officer will typically ask you to tap your card on an enforcement card reader in order to verify paid fare status on their database. The enforcement card reader will check the transit authority database and if there is no record of payment or an attempt to pay, you may be issued an offence ticket. If the original payment was declined by the bank, you may be asked to pay your fare. If the enforcement card reader loses connectivity when verifying your payment status, you will be permitted to continue to travel and the system will check once connectivity is re-established. If the system confirms your fare was not paid or a payment attempt was not made, an amount up to the maximum fare for the transit authority may be charged against your account.

Security is important to us. Interac debit cards are extremely secure and protected from fraud tactics such as skimming, duplicating and electronic pickpocketing. When you make a payment, the only information transmitted consists of payment transaction codes; not confidential details about you or your bank account. Use Interac Debit confidently, knowing we’ve put the right security measures in place for your debit card including the Interac Zero Liability Policy to protect for any losses resulting from circumstances beyond your reasonable control. For more information, please visit interac.ca/security or contact you the bank.

Transit Open Payments rely on contactless technology. You simply tap your card or mobile wallet on a point-of-entry terminal to pay your fare and enter the transit system. There is no chance of exposing confidential information like your PIN. To ensure the security of your payment card or mobile wallet while using Transit Open Payments, you should be the only one to hold your card in front of a terminal/fare reader.

How a transaction will appear on your bank account statement may vary by transit authority. Transactions approved by the bank are posted to your bank account statement and include a description area that will in most cases include the name of the transit authority, or an abbreviated form of the transit authority's name and a Merchant Transaction Reference (MTR) value. The MTR value is useful when inquiring about the specific transaction with the transit authority.

Due to the need for transit authorities to permit a large number of customers to enter the transit system quickly, most use a payment process called Service Before Authorization (SBA). Under the SBA model, the fare terminal performs basic checks to validate the payment card tapped and if it is approved, you are able to enter the transit system. At that point, bank receives the transit payment authorization request and approves or declines the transaction based on your bank account status. If the bank declines the transit authority's authorization request, the transaction will not be posted to your bank account, you will owe the transit authority the fare amount, and your card or mobile wallet will be added to a 'blocklist'. When on a blocklist with the transit authority, you will not be permitted entry to the transit system until the debt has been paid.

To pay your fare, you simply tap your payment credential (e.g. debit card or mobile wallet) on the transit fare reader and enter the transit system. Transit authorities may deploy a fixed fare or variable fare (e.g. based on distance travelled or time) payment model. Under a fixed fare model, you may only tap when you enter the transit system and paper transfer slips may be used to support transfers. Under a variable fare model, you may tap your payment credentials every time you enter the transit system or transfer from one vehicle to another, and even sometimes when you exit a transit system. Regardless of the payment model, the transit authority will automatically calculate the fare and process it through the bank; normally the same day or by the next day.

No. Transactions that are part of one continuous trip will not be posted to your account. However it is important to understand the two models on processing fares: Fixed Fare Payment Model - Under this model, the transit authority charges a single fixed amount fare when you tap your form factor (payment card or mobile wallet) to enter the transit system. If you are able to register with the transit authority, the fixed amount may vary based on whether or not you belong to a specific customer group (e.g. child, student, senior). The fixed fare may be valid to travel anywhere within the transit system and may have a time limit (e.g. 90 minutes). Transfers may be handled via paper transfer slips or another means other than tapping your card or mobile wallet again when you transfer. Variable Fare Payment Model - Under this model, you would tap your card or mobile wallet to enter the transit system, the transit authority captures the payment information and builds a special authorization request message called a Pre-Authorization Request, and sends it to the bank to request that an estimated amount to cover a trip or day's travel be guaranteed. If your account has sufficient funds and the bank approves the Pre-Authorization, you would continue your travel by tapping your card or mobile wallet as necessary. The final daily fare is calculated by the transit authority at the end of the business day and the associated final fare is posted to your bank account.

Most transit authorities require that the same credential (card or mobile wallet) be used for the entire trip. If you tap to enter the transit system with your physical card and then tap your mobile wallet, this will likely be recorded as two separate trips and you will be charged twice.

The daily limit is based on the purchase limit policies in place with the bank for your bank account. Where the transit authority is processing variable fare payments (e.g. fare by distance or time), they may only process a single payment through to the bank for a trip, or even for a day where a daily cap on fares is in place, regardless of whether or not you tap your card many times to make transfers. In that case, they use the additional taps to record where you travelled, so that they can calculate the net fare owing at the end of the trip or day. Please check with the transit authority to understand how many transactions may be processed against your bank account for a day's travel, so that you can compare that against any transaction count limits that may apply to your bank account. Please refer to the bank if you are unsure about transaction count limits or related charges for your bank account.

There are varying factors that may result in a fare being posted up to 7 days after your trip took place and rarely for a longer TA-determined time period:

  • Periodic communications outages on transit vehicles: transit authorities have up to 24 hours for fixed fare transactions, or up to 48 hours for variable fare transactions (e.g. fare by distance), to provide and submit the net fare to the bank so that these transactions can be posted to your bank account. In most instances however, approved transactions are posted to your account on the same date as the date of travel.
  • If your bank account is in a status of non-sufficient funds (NSF) or there is another reason that causes the bank to decline the transit authority's request to authorize payment for travel already permitted, the transit authority will be owed money. The transit authority is permitted to resubmit the request for funds to the bank for up to once per day, and to a maximum of 3 attempts over 7 calendar days after the initial transaction date. If your account is then in good standing and the bank approves one of these transactions, the fare may be posted to your account up to 7 days after the date of your travel.
  • Tap-to-Pay-Debt - If you owe money to a transit authority because the bank declined an authorization request for payment subsequent to your having been given access to the transit system, the transit authority may at any time that you attempt to enter the transit system execute a process called Tap-to-Pay-Debt (see next FAQ for details) to recover the funds.

Each transit authority may manage variable fare processing differently. Some may institute a tap on/tap off process, while at others it may not be necessary to tap off. Please contact your local transit authority for more information on whether "tap off" is required.

Most transit authorities do not permit more than one transaction to be processed against the same payment credential (e.g. debit card or debit card provisioned on a mobile wallet) within a certain time period, so the second tap should be rejected.

Due to the need for transit authorities to permit a large number of customers to enter the transit system quickly, most use a payment process called Service Before Authorization (SBA). Under the SBA model, the fare terminal performs basic checks to validate the payment card tapped and if it is okay, you are able to enter the transit system. At that point, bank receives the transit payment request and approves or declines the transaction based on the your bank account status. If the transaction is declined (e.g. NSF), the transaction will not be posted to your bank account, you will owe the transit authority the fare amount, and your payment card or mobile wallet will be added to a 'blocklist'. When on a blocklist with the transit authority, you will not be permitted entry to the transit system until the debt has been paid.

If your account is in an overdraft position, or would be put into an overdraft position by processing an Interac Debit contactless transaction including a Transit Open Payments transaction; particularly if you do not have overdraft protection on your account, the associated payment authorization request would typically be denied by the bank. Your account would not go into overdraft or have any associated fees. In that instance, if you have already been provided with access to the transit system and bank did not pay the transit authority, then you will owe the transit authority money. In some rare instances your account may be put into an overdraft position by a Transit Open Payments transaction. This could only happen under the variable fare payment model (described under another Q&A) and depends on whether or not the bank holds funds from the time that a transit authority provides the bank with an estimated cost for your travel, and the time that the final fare is calculated and presented to the bank.

Transit authorities are required to make their fare schedule and details about how fares are processed readily available to customers, however they are not required to display the transaction amount on the point-of-entry payment terminal. In many cases transit authorities use a variable fare model where the fare is calculated after the customer completes their travel and often not until an end of day trip reconstruction process has completed. In those circumstances, posting an amount on the point-of-entry terminal may be confusing or misleading.

Payment policies and procedures are determined by the transit authority. Please contact your transit authority regarding their policies.

In the same manner you would utilize Interac Debit contactless payments, you can pay your fare using either your physical debit card or your debit card that is provisioned in your mobile wallet.

If your Interac debit card does not allow entry when you enter a transit authority point-of entry (POE) terminal, you should first consider if this is only happening at the fare reader. If your debit card has been working when making Interac Debit contactless payments at other merchants, then it is most likely isolated to payment with the associated transit authority. Your first point of contact for problems with access to a transit system is always the transit authority. The most common reason for access being denied is money owing to the transit authority because of a declined payment on a previous trip. You can ask your transit authority to confirm whether or not you owe money. You may need access to a recent bank account statement. Depending on the transit authority, they may include a Merchant Transaction Reference (MTR) value with transactions posted there that will help the transit authority to assist you. In some very rare instances, a problem with your card or mobile wallet may be preventing system access (e.g. security issue with your card). If the transit authority suspects this, they may recommend that you contact the bank for assistance.

In most cases, refunds related to contactless transit payments may be processed by the transit authority without needing to be physically present. The transit authority may provide a Merchant Transaction Reference (MTR) value in payment transactions forwarded to the bank. If so, the transit authority may require that you provide the MTR value to help look up the original transaction associated with the refund being sought. Where supported by the transit authority, the MTR value will be located following an abbreviated transit authority name and possibly a separator character in the transaction description area of the transit transaction posted to the bank account statement. It may be useful to have your recent financial institution account statement handy when you contact the transit authority to lookup a recent transaction and/or to request a refund.


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