Worst places for using debit cards


Debit cards are a wonderful tool that cuts out the need of carrying cash. Debit cards allow the users a twin advantage of having access to liquid money anytime during the day as well as indulge in shopping in both online and brick and mortar stores. While there is no denying the fact that debit cards add a sense of convenience for the common man, debit cards are also susceptible for risk and fraud especially with increase in the number of hacking activity recently.

Worst places for using debit cardsLet us take a look at some of the worst places where users place themselves at high risk when using their debit cards.

Restaurants and Cafes:

One of the most common places where a lot of people tend to use their debit card is restaurant and cafes. Most restaurants and cafes do not swap the card in front of the customers. There have been cases reported in the past where waiters and cashiers have compromised the security of the card by noting the debit card number for a fraudulent use later on. Also a lot of small time restaurants and cafes still use older debit card swiping machines that are vulnerable to hackers who can access such machine using Bluetooth connection. The best to avoid falling for a debit card trap is to use credit cards or pay by cash while visiting restaurants and pubs.

Isolated ATM’s:

If you are one of those people who use your ATM’s at any and every ATM center, you are at a high risk for debit card frauds. While the advantage of having a debit card means one has access to cash all the time even while travelling to remote centers. On the downside however a lot of ATM’s located in the rural areas and also in isolated places in cities may have been compromised by hackers to note the debit card transactions of each card used in the ATM. While banks are continuing their plans to get every ATM under real time CCTV surveillance, unless the objective is fulfilled avoiding isolated ATM’s is recommended.

Petrol Pumps:

A large number of people use their debit cards at petrol pumps and filling stations making them vulnerable to debit card fraud. Petrol pumps offer the least amount of security for their card swiping machines is at a high risk for hackers and fraudsters. Hackers have been known to use Bluetooth to extract pin numbers punched in by debit card customers at petrol pumps. The extra security protection offered in a credit card is tough to misuse but debit card holders are at a genuine risk once their card pin number gets stolen.

Retail Grocery Stores:

There is no denying the fact that it is easier and more convenient to carry a card when out shopping for random stuff and groceries at a store or mart. Using a debit card for shopping at a retail store is not an ideal scenario as the card may get compromised due to various reasons. A large number of stores do not upgrade their card machines to handle old malware. Latest hacking techniques make it possible to break into the network of any store and get access to pin numbers of debit cards. Using a credit card or cash is a safer option. It is wiser to avoid using card when paying a small amount as one is putting a high risk on the debit card transaction for a small purchase of a few hundreds.

Online Shopping:

The widespread use of online shopping these days has offered customers the convenience to shop sitting in the comfort of their home or office. But before you shop online using your debit card make sure that the website or portal carries all debit card transactions over an encrypted network. Look out for SSL certified sites before indulging in any financial transaction. A lot of online sites have come up recently that do not have required protection for online transactions making it easier for hackers to steal debit card numbers, information and PIN right from the online database.

Image Source: http://i.kinja-img.com/gawker-media/image/upload/s–COlw9-Tw–/c_fit,fl_progressive,q_80,w_636/18ixgsuxcbsf1jpg.jpg


ICICI Bank Credit Card Deals and offers 2014


ICICI bank has risen as one of the main banks in the Indian financial market. With its various services and products, it has been able to cater to the needs and demands of different customers. Its pan India presence has also helped enhance its popularity among customers.

An ICICI credit card is known in the market for its different benefits and features. Along with this, it is also known for different deals and offers available on these cards. ICICI bank credit card can easily be termed as a powerhouse when it comes to deals and offers.

Deals and offers for lifestyle on ICICI credit card:



Four Fountains Spa


Offer 1: Get 20 off on canvas prints above Rs.1000 (coupon code ICICICAN)

Offer 2: Get 12.5% off on all orders above Rs.700 (coupon code ICICID125)

10% off on purchase of Rs 500 and above at www.packmybag.in with ICICI bank credit card with promo code “PMBC10”

Offer valid up to July 31, 2014

15% at any Four Fountain De-stress Spa on Package therapies (CICI Bank Visa Infinite Debit and Credit Card – 15% off

ICICI Bank Visa Signature Debit and Credit Card – 15% off

ICICI Bank Visa Platinum Debit and Credit Card – 10% off)

Offer valid till January 31, 2015

Flat 37%* off at Myntra

Offer valid till July 31, 2014. Login to m.icicibank.com to avail the offer




Perfumes Direct

Rs.250 off* on a minimum purchase of Rs.1000 & above on ICICI credit card with promo code “ICICI250OFF1000”

Offer valid till December 31,2014

6% off with promo code “ICICIC2014”

Maximum Discount ₹ 500

Offer valid September 30, 2014

20% off on Purchase of Spectacle and Sunglasses (not valid for contact lenses)

20% off on Minimum purchase of Rs 1499 and above (Max discount up to Rs 600)

Offer valid till May 30, 2015

Deals and offers for gifting on ICICI bank credit card:


Archies online


15% off on orders above Rs.1200 with promo code “GIFTICICI”

Offer valid till September 30, 2014

Flat 20% off on all products on a minimum purchase of Rs.300 with promo code “ICICI20ARCHIES” on ICICI credit card

Offer valid up to October 31,2014

flat 20% off on purchase of

Apparels, Bags, Watches, Footwear,

Home Decor and Artificial Jewellery with promo code “ICICI20”

Offer valid up to December 31, 2014

Deals and offers for electronics on ICICI credit card:



Next India Retail


FLAT 10% OFF on Books and Media (Min Purchase: 250

Max Discount: 500) with promo code “ICICIA10”

FLAT 5% OFF on Electronics and Mobiles (Min Purchase: 1000

Max Discount: 1000) with promo code “ICICIE05”

Offer valid till July 31, 2014

54% off

on select Kaspersky products at www.sakri.in with promo code”ICICIFEST13″ on ICICI credit card

Offer valid till October 31, 2014

Flat 10% off on all – LCD/ LED TV’s, Refrigerators, Washing Machine, Microwave oven subject to Maximum of ₹1000

Coupon Code: ICICI-NEXT10

Flat Rs 3000 off on products worth Rs 30,000 (not applicable on Mobile, Tablets, Cameras, IT & Gaming products)

Coupon Code: ICICINEXT3K

Offer valid till September 30, 2014


5% off*

on all the products at Bagittoday.com with promo code “DCF8Z95G5EBK” with ICICI bank credit card

Offer valid till July 31,2014

The above offers can be changed by ICICI without any notice; hence, it is better to keep a track of them.