| Currencies / wallet format | Current ICICI multi-currency proposition supports 15 wallets: USD, EUR, GBP, AUD, CAD, CHF, JPY, AED, HKD, SGD, THB, SAR, SEK, ZAR and NZD. | 16 wallets: USD, EUR, GBP, SGD, AUD, CAD, SEK, JPY, CHF, AED, SAR, THB, HKD, NZD, ZAR and DKK. |
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| Purchase eligibility | Available through Internet Banking/iMobile/branch routes subject to current KYC/travel-purpose requirements. ICICI also maintains a non-savings-account-holder forex-card onboarding route with PAN, Aadhaar and passport requirements. | No Axis account is required to purchase. Eligible travellers can buy at an Axis branch/authorized outlet subject to passport/travel/PAN or Form 60 and FEMA/KYC documentation. |
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| Load / reload | Account holders can buy/reload through Internet Banking or iMobile; non-account holders have dedicated digital/branch access. Current non-account-holder page states online reload up to ₹1.5 lakh/day including charges and processing within one working day. | Initial load is handled through Axis/authorized issuance channels. Axis savings customers can reload via Internet Banking/Axis Mobile; non-account customers can reload through branch/family-authorisation routes. Current reload/renewal fee source: ₹100 + GST. |
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| Exchange rate | Foreign currency is purchased at ICICI's applicable forex/card rate at load/reload. Holding the matching wallet locks that purchased balance; a transaction in another billing currency invokes cross-currency conversion/fees. | The wallet balance is acquired at Axis's applicable forex/card rate on load/reload, protecting that loaded balance from later INR movement. Non-wallet transaction conversion uses current network/card conversion mechanics plus applicable cross-currency charge. |
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| ATM cash | Currency-specific fees and daily limits. Current schedule includes USD 2 fee / USD 2,000 daily limit; GBP 1.50 / GBP 1,000; EUR 1.50 / EUR 1,500, with separate values for the other supported wallets. | Reviewed current product material states nominal USD 2 overseas ATM withdrawal; current fee sheet also lists USD 0.50 balance enquiry. Foreign ATM owner fees/limits can be additional. |
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| POS / e-commerce | Current ICICI FAQ states POS and online transactions in the same currency as the loaded card wallet carry NIL transaction fee. Online usage must be enabled through the supported card-management channel. | Merchant swipe/POS transactions in the loaded currency are advertised without a separate transaction fee. Online/global merchant use depends on network/card controls and merchant acceptance. |
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| Cross-currency | 3.5% + GST for transaction types where billing currency differs from the card currency, per current schedule/FAQ. | Current fee sheet lists 3.50% cross-currency usage. Axis's usage guide applies cross-currency conversion when transaction currency is unavailable/insufficient in the appropriate wallet. |
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| Wallet conversion | Current schedule publishes a wallet-to-wallet transfer fee of 2.5% of transfer amount, charged from the destination wallet. | Multiple wallets coexist on one card. If the transaction currency wallet is unavailable/insufficient, Axis/network wallet-order conversion can apply; cumulative wallet handling and authorization order follow current card terms. |
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| Fees | Issuance/joining fee depends on selected forex-card variant. POS/online same-wallet fee is NIL; cross-currency, ATM, wallet conversion, replacement and other service fees remain separately published. | Current first-party conflict: brochure shows ₹300 + GST issuance; fee sheet shows ₹150 + GST initial sale. Reload/renewal ₹100 + GST appears in reviewed sources. USD 2 ATM withdrawal and 3.5% cross-currency are separately scoped. |
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| Refund / closure | Remaining forex balance can be refunded back to the eligible bank account/current settlement route. Refund/closure conversion and charges are governed by the current schedule and card terms. | Reviewed fee sheet lists ₹100 + GST encashment charges; residual balance converts at Axis's applicable card rate. |
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| Replacement / emergency | Current schedule lists international lost-card replacement at USD 20. Digital card controls allow blocking/unblocking and PIN management; overseas support uses ICICI's card/customer-care channels. | TripAssist offers blocking, replacement-card and emergency-cash assistance. Reviewed fee sheet lists USD 3 replacement card fee excluding postage/handling; emergency support terms remain service-specific. |
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