It is important to choose the right debit card based on your spending habits and your lifestyle requirements. Our Silver Debit Card and Gold Debit Card allow customers to choose a debit card according to their needs, with ICICI Bank’s Silver Debit Card and Gold Debit Card. While both banks offer a variety of core banking features, such as global acceptance, they differ greatly when it comes to limits, loyalty programs, lounge access, and insurance coverage when compared with each other.
We wish to provide you with an in-depth understanding of the differences between the ICICI Silver and Gold Debit Cards, in order to help you make an informed decision based on your financial usage and preferences.
Feature | ICICI Bank Silver Debit Card | ICICI Bank Gold Debit Card |
|---|---|---|
| Card Type | Visa / Mastercard | Visa / Mastercard |
| Eligibility | Basic savings account holders | Higher-tier account holders / Premium savings account |
| Annual Fee | ₹150 – ₹200 + GST (may vary) | ₹250 – ₹500 + GST (may vary) |
| Daily ATM Withdrawal Limit | ₹50,000 | ₹1,00,000 |
| Daily POS Spending Limit | ₹1,00,000 | ₹2,00,000 |
| Online Shopping Limit | ₹1,00,000 | ₹2,00,000 |
| Complimentary Insurance | Limited (Accidental cover) | Higher coverage including air accident insurance |
| Reward Points (PAYBACK) | 1 point per ₹200 spent | 2 points per ₹200 spent |
| Lounge Access | Not Available | Available at select domestic airports |
| Fuel Surcharge Waiver | Up to ₹100 per month | Up to ₹200 per month |
| Contactless Payments | Yes (NFC enabled) | Yes (NFC enabled) |
| Accepted Globally | Yes | Yes |
| Ideal For | Basic banking needs | High transaction users / frequent travelers |
