Pockets buy ICICI Bank is a new digital bank launched by ICICI Bank recently now it is a trend using its online debit card with an e m v chip ( sim on the card) facility and with visa is launched by ICICI Bank even the annual charges of this debit card is very low which is affordable I prefer using this debit card as there is no need of opening any savings account you get a debit card and cheque book and the debit card is a secured with emv chip and you can use it in Merchant shops even in malls and even you can use it in ATMs and you can do online shopping