Your Everyday Card, Worldwide

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*.

If your existing debit card only has the Interac¹, 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.

Robust debit card security with EMV Chip & PIN encryption, 24/7 fraud monitoring, 3D Secure OTP authentication for online transactions, OTP alerts, and automatic temporary card blocking after repeated incorrect OTP attempts.

Online: An ICICI Bank Canada debit card can be used for online payments in Canada and globally.

In-store: ICICI Bank Canada debit card can be used at retailers displaying the Interac¹ logo for your in-store purchases in Canada and wherever Visa payments are accepted globally.

ABM: ICICI Bank Canada debit card can be used at any ABM that displays the Interac¹, THE EXCHANGE®, or PLUS logo and wherever VISA cards are accepted in Canada and globally.

If your existing debit card only has the Interac¹, 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 use your ICICI Bank Canada debit card for online purchases, follow these steps:

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.

Here are the stepwise instructions to use the card for in-store purchases:

Contactless purchases for transactions in Canada:

Step 1 – Check for an Interac FLASH¹-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. 

For Domestic and International Withdrawal, here is how to withdraw cash:

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 claimed received by the Bank.

Block your debit card using one of these options:

1.   Log in to Online Banking
2.   Sign in to Mobile Banking
3.   Call anytime at 1-888-424-2422
4.   Visit a branch

A one-time password or OTP number is a unique security feature for online transactions. The OTP is an automatically generated numeric string of characters, which acts as a PIN to authenticate various banking transactions. Valid only for a single transaction, an OTP provides an extra layer of authentication than a user-created static password.

Why do I now need an OTP when previously I did not?

We are upgrading to allow you improved protection. OTP allows you to authenticate yourself as part of the transaction and reduce the risk of unauthorized transactions performed on your card while transacting online.

How will I receive OTP

At the checkout stage of your transaction with a merchant, you can choose whether you want to receive the OTP on your registered mobile number (through SMS) or E-mail and OTP will be sent to you based on your Selection.

Will I receive OTP for all the transactions?

No. You will receive OTP for selected online transactions. Please contact ICICI bank's customer care for more details.

I have not received the one time password (OTP) for a debit card transaction. What do I do?

In case you have not received a one-time password (OTP) within 30 seconds, you can do the following:

a) Request for another OTP by pressing “Resend OTP”

b) Try after some time in case you are facing some network issue

c) Check whether your mobile number or email address is registered with us

d) Check your mobile number for active service for receiving OTP

What are the benefits Of OTP?

Benefits of OTP:

a) OTP authenticates the account holder and prevents theft attempts.

b) It is far more secure than static passwords.

c) Since you can use it only once, you cannot enter the same OTP twice.

d) Even if your debit card is lost or stolen, fraudulent payments cannot be made with it without OTP validation. As such, OTP protects your card from potential fraud

No. This service is free of charge.

Receiving OTP through SMS may incur charges from your telecom service provider. Kindly check with them for associate charges.

If you have received an OTP and neither you nor your Add-on cardholder has initiated the online transaction at the merchant and for the amount as specified in the OTP message, please call our Phone Banking team immediately

If there is no change in your mobile number and email ID, you can start using the OTP authentication for online transactions even after the card has been lost /stolen or renewed.

What is time validity for OTP?

The OTP will remain valid for 10 min.