| Currencies / wallet format | Current application form lists 14 currencies: USD, GBP, EUR, AUD, CAD, SGD, SEK, HKD, JPY, AED, CHF, NOK, NZD and ZAR. | Current ICICI multi-currency proposition supports 15 wallets: USD, EUR, GBP, AUD, CAD, CHF, JPY, AED, HKD, SGD, THB, SAR, SEK, ZAR and NZD. |
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| Purchase eligibility | Application is tied to an IDFC FIRST Bank account and requires PAN, passport, travel dates/countries, source of funds and FEMA/FETERS purpose. Insta Card and personalized card issuance are both supported. | 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. |
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| Load / reload | Current form supports initial issuance and reload. The customer authorizes debit to the linked IDFC FIRST account for the requested currency amount plus applicable service charges/taxes/TCS. | 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. |
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| Exchange rate | IDFC FIRST publishes a live exchange-rate table with dedicated Forex Card Bank Buys and Bank Sells columns. The applicable rate is market-linked and should be taken from the bank's current card rate at processing. | 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. |
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| ATM cash | The product is a prepaid travel card intended for overseas use, but v1.53 leaves current ATM fee and cash-withdrawal ceilings unfilled because no complete live first-party card-specific table was verified. | 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. |
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| POS / e-commerce | Multi-currency prepaid travel-card use is supported for overseas spend. Channel-specific current limits are not inferred from debit- or credit-card schedules. | 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. |
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| Cross-currency | Cross-currency conversion can apply when spending outside the loaded wallet structure; the exact current card-specific percentage is not asserted from generic bank blog examples. | 3.5% + GST for transaction types where billing currency differs from the card currency, per current schedule/FAQ. |
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| Wallet conversion | Multiple listed currency wallets are supported. Current first-party forms do not expose a complete public wallet-to-wallet fee table, so v1.53 keeps this field qualitative. | Current schedule publishes a wallet-to-wallet transfer fee of 2.5% of transfer amount, charged from the destination wallet. |
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| Fees | Applicable service charges, taxes and TCS are acknowledged by the current application form. Exact current issuance/reload/ATM/refund figures are not populated without a verified current card-specific schedule. | 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. |
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| Refund / closure | IDFC FIRST publishes a current encashment form supporting partial refund, full refund and full refund with card closure to an IDFC FIRST Bank account. | 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. |
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| Replacement / emergency | Current change-request and dispute forms support card servicing; card-loss/dispute handling is documented. Exact emergency/replacement pricing remains source-gated. | 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. |
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