| 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. | Current TravelEasy product page supports three wallets: USD, GBP and EUR on a Visa Platinum EMV chip/NFC prepaid card. |
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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. | Available to account holders and non-account holders through authorized forex branches, subject to KYC/passport/travel and FEMA documentation. One active retail card per ID/passport is the current product rule. |
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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. | Immediate activation after load; card is reloadable any number of times within the customer's FEMA ceiling. Current reload fee: ₹55 before applicable tax. |
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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. | Foreign currency is loaded/refunded at Bank of Baroda's applicable card/forex conversion rate and tax treatment. Mobile app provides wallet visibility and cross-currency conversion capability. |
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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. | ATM cash withdrawal fee is currently 0.9% of transaction value in the respective currency; balance enquiry fee is USD/EUR/GBP 0.50. Overseas ATM owner charges/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. | Usable at Visa-accepted e-commerce, POS and ATM locations. EMV/NFC/contactless is supported; current product page provides channel enable/disable through self-service. |
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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 charge schedule lists 3.00% cross-currency fee. Use of a non-matching wallet/currency can therefore add conversion cost beyond the load-time rate. |
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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. | Current mobile app supports cross-currency conversion among available wallets. The fee/rate applicable to that conversion remains governed by the current card schedule and bank rate. |
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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. | ₹150 issuance; ₹150 standby card; ₹55 reload; USD/EUR/GBP 3 replacement; 0.9% ATM withdrawal; 3% cross-currency. Taxes/foreign-currency conversion tax apply as published. |
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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. | Current schedule states remaining balance refund after deducting ₹250 plus tax on foreign-currency conversion when cancelling/refunding to customer account. |
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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. | Replacement after loss/theft is currently USD/EUR/GBP 3 plus applicable postage; GCAS support for lost/stolen report and cash/card replacement is listed as free under the current charge page, subject to service terms. |
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