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ICICI BankForex & prepaid travel card

ICICI Bank Multi-Currency Forex Prepaid Card

ICICI Bank's multi-currency Forex Prepaid Card with up to 15 wallets, digital purchase/reload and management, same-currency POS/e-commerce at nil transaction fee, currency-wise ATM charges and explicit cross-currency/wallet-transfer pricing.

First-party evidencePublished researchReviewed September 10, 2026Active
Open primary bank source ↗Bank dossierCompare alternatives
Issuance / reload / travel-card costsSame-currency POS/online transaction fee is NIL. ICICI currently publishes 3.5% + GST cross-currency usage and a 2.5% wallet-to-wallet transfer fee. ATM withdrawal fees are currency-specific, e.g. USD 2 / GBP 1.50 / EUR 1.50. Issuance/joining fee varies by current card variant.
Loaded currency walletsPrepaid foreign-currency wallets—up to 15 on the current multi-currency proposition—rather than a direct savings-account debit. Non-ICICI customers can also obtain/manage a card through the dedicated forex-card journey.
ATM / load / usage limitsCurrent ATM schedule publishes currency-specific daily withdrawal ceilings such as USD 2,000, GBP 1,000 and EUR 1,500. Online reload through current digital flows is capped at ₹1.5 lakh/day including charges, while overall forex load remains subject to FEMA limits.
Prepaid card / funding / regulatory relationshipA standalone ICICI Forex Prepaid Card relationship; an ICICI savings account is not mandatory for the non-account-holder route, though digital funding/management methods vary by customer state.
Research processPublished by littleden.blog

Structured from first-party bank/issuer evidence. This page does not claim personal hands-on product use unless that experience is explicitly stated.

4 first-party sources
Last checkedSeptember 10, 2026

Recorded source review date, not a claim that the product changed that day.

Maintenance stateWithin scheduled review window

Target recheck: November 9, 2026.

Critical decision facts

Separate forex economics from overseas access and regulatory limits.

Markup, cross-currency conversion, ATM/POS usage, wallet funding and international controls can create very different travel costs.

01 · Issuance / reload / travel-card costsSame-currency POS/online transaction fee is NIL. ICICI currently publishes 3.5% + GST cross-currency usage and a 2.5% wallet-to-wallet transfer fee. ATM withdrawal fees are currency-specific, e.g. USD 2 / GBP 1.50 / EUR 1.50. Issuance/joining fee varies by current card variant.
02 · Loaded currency walletsPrepaid foreign-currency wallets—up to 15 on the current multi-currency proposition—rather than a direct savings-account debit. Non-ICICI customers can also obtain/manage a card through the dedicated forex-card journey.
03 · ATM / load / usage limitsCurrent ATM schedule publishes currency-specific daily withdrawal ceilings such as USD 2,000, GBP 1,000 and EUR 1,500. Online reload through current digital flows is capped at ₹1.5 lakh/day including charges, while overall forex load remains subject to FEMA limits.
04 · Prepaid card / funding / regulatory relationshipA standalone ICICI Forex Prepaid Card relationship; an ICICI savings account is not mandatory for the non-account-holder route, though digital funding/management methods vary by customer state.
Exact product-type evidence

Forex & prepaid travel card evidence stays in its own structure.

Specialist fields below remain source-scoped. Missing values stay missing; one banking product type is never used to manufacture facts for another.

Forex prepaid-card operating map

Loaded wallet, transaction currency and refund state are different economics.

A prepaid forex card locks the currency purchased at load time, but ATM fees, cross-currency use, wallet conversion, inactivity and cash-out can still add cost. Ordinary debit-card forex pricing never fills a prepaid-card evidence gap. Reviewed September 10, 2026.

Card format / currenciesCurrent ICICI multi-currency proposition supports 15 wallets: USD, EUR, GBP, AUD, CAD, CHF, JPY, AED, HKD, SGD, THB, SAR, SEK, ZAR and NZD.
Purchase / KYC eligibilityAvailable 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.
Load / reloadAccount 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.
Load / exchange-rate mechanicsForeign 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.
Overseas ATM / cashCurrency-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.
POS / e-commerceCurrent 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.
Cross-currency usage3.5% + GST for transaction types where billing currency differs from the card currency, per current schedule/FAQ.
Wallet conversionCurrent schedule publishes a wallet-to-wallet transfer fee of 2.5% of transfer amount, charged from the destination wallet.
Issuance / reload / service feesIssuance/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.
Inactivity / expiryValidity and inactivity rules depend on the issued forex-card variant/current terms. The engine does not infer one generic inactivity fee where ICICI's current overview does not state a universal number.
Refund / closureRemaining 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.
Replacement / emergency supportCurrent 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.
FEMA / RBI controlsCard cannot be used in India, Nepal or Bhutan. Loading/reloading is limited by applicable FEMA/LRS purpose/ceiling rules; hotel/car-rental pre-authorisation can temporarily hold card balance.
Maintained terms

Fees, balances, benefits, limits and eligibility without a single-score shortcut.

These six fields are the cross-product layer. The specialist section above controls whenever a type-specific field is more precise.

Issuance / reload / travel-card costsSame-currency POS/online transaction fee is NIL. ICICI currently publishes 3.5% + GST cross-currency usage and a 2.5% wallet-to-wallet transfer fee. ATM withdrawal fees are currency-specific, e.g. USD 2 / GBP 1.50 / EUR 1.50. Issuance/joining fee varies by current card variant.
Loaded currency walletsPrepaid foreign-currency wallets—up to 15 on the current multi-currency proposition—rather than a direct savings-account debit. Non-ICICI customers can also obtain/manage a card through the dedicated forex-card journey.
Forex-card capabilities15 currency wallets, contactless/online/merchant/ATM use, Internet Banking and iMobile management, online reload, PIN/block controls, transaction statements and insurance benefits on eligible variants.
ATM / load / usage limitsCurrent ATM schedule publishes currency-specific daily withdrawal ceilings such as USD 2,000, GBP 1,000 and EUR 1,500. Online reload through current digital flows is capped at ₹1.5 lakh/day including charges, while overall forex load remains subject to FEMA limits.
Traveller / KYC eligibilityEligible travellers with required PAN/Aadhaar/passport/KYC/travel-purpose documentation. ICICI allows both account holders and non-account holders through current digital/branch processes.
Prepaid card / funding / regulatory relationshipA standalone ICICI Forex Prepaid Card relationship; an ICICI savings account is not mandatory for the non-account-holder route, though digital funding/management methods vary by customer state.
Fit & cautions

Who this record appears designed for—and what can break the fit.

Best-fit wording summarizes the published proposition. It is not individualized financial advice or an approval prediction.

Potential fit

Travellers who want a digitally manageable 15-currency prepaid card and need current cross-currency, wallet-transfer and overseas ATM economics stated separately.

Verify before relying
  • ICICI's zero/nil POS and online fee applies when transaction currency matches the loaded wallet; cross-currency use is separately charged at 3.5% + GST.
  • Wallet-to-wallet conversion carries a separate 2.5% fee, so it should not be treated as free internal balance movement.
  • Joining/issuance fee is card-variant specific; a zero-joining-fee variant does not establish a universal zero issuance fee for every ICICI forex card.
Maintained comparisons

Compare this product only where the pair is deliberately maintained.

Both sides keep independent review dates, exact conditions and first-party evidence. No winner score is generated.

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First-party source ledger

Complete evidence set for this maintained profile.

Each source remains independent. A product page, tariff, KFS/MITC, rate schedule or programme document is not silently treated as interchangeable evidence.

01
Primary product / service sourcewww.icici.bank.in
Open source ↗02
Additional first-party evidencewww.icici.bank.in
Open source ↗03
Additional first-party evidencewww.icici.bank.in
Open source ↗04
Additional first-party evidencewww.icici.bank.in
Open source ↗
Current-use rule

When the bank changes a term after the recorded review, the current agreement, tariff, KFS/MITC or effective rate table controls.

Research boundary

This page organizes dated public evidence; it does not guarantee eligibility, availability, approval, service quality or future pricing.