IDBI Bank offers an array of debit cards to cater to its varied customer-base. Now, if you know which IDBI Bank debit card suits your needs as per ATM withdrawals, shopping and annual charges, you could end up saving some in the guise of reward points and cashbacks. If were on the same page, let’s talk more.
Best IDBI Debit Cards in India
The following are some of the best debit cards by IDBI Bank that you can check & compare from:
| IDBI Bank Debit Card | Usage Limits (per day) | IDBI Bank Annual Charges | Salient Features |
| IDBI VISA Signature Paywave | ATM: Rs 3 lakhs Purchases: Rs 5 lakhs | Rs 799 | Quarterly airport lounge access (once) Air accident cover of Rs 25 lakhs 3 IDBI loyalty points for evert Rs 100 spent at POS No charges for cash withdrawal from any ATM |
| IDBI VISA Platinum Paywave | ATM: Rs 1 lakh Purchases: Rs 2 lakhs | Rs 400 | Quarterly airport lounge access (twice) Personal accident cover of Rs 5 lakhs 2 IDBI loyalty points for evert Rs 100 spent at POS |
| IDBI RuPay Platinum NCMC | ATM: Rs 1 lakh Purchases: Rs 1 lakh | Rs 300 | Quarterly airport lounge access (twice) Personal accident cover of Rs 5 lakhs 2 IDBI loyalty points for evert Rs 100 spent at POS |
| IDBI VISA International Gold | ATM: Rs 75,000 Purchases: Rs 75,000 | Rs 300 | 1 loyalty point for every Rs 100 spent PA cover of Rs 5 lakhs |
Note: IDBI Bank debit card charges attract GST rates as well.
Types of IDBI Debit Cards
The following-mentioned are the various types of IDBI Bank debit cards available:
IDBI VISA Signature Paywave
Features of IDBI VISA Signature include quarterly airport lounge access (once), Air accident cover of Rs 25 lakhs, 3 IDBI loyalty points for every Rs 100 spent at POS with zero charges for cash withdrawal using any ATM in the country.
IDBI VISA International Gold
IDBI VISA International Gold debit card is one of the best IDBI debit cards offering quarterly airport lounge access (twice) with 2 IDBI loyalty points for evert Rs 100 spent at POS.
IDBI VISA Platinum Paywave Debit Card
Enjoy ATM Cash withdrawal limit of Rs. 1 lakh and purchase limit of Rs 2 lakhs/day at Point of Sale (POS) in a day with IDBI Visa Platinum Paywave. Also, you get 2 loyalty points for every Rs. 100 spent at merchant establishments.
IDBI RuPay Platinum NCMC
Features of IDBI RuPay Platinum NCMC include Personal accident cover of Rs 5 lakhs, 2 IDBI loyalty points for evert Rs 100 spent at POS and quarterly airport lounge access (twice). It comes with Rs 1 lakh of ATM withdrawal limit and POS/online limit as well.
IDBI VISA/MasterCard Gold Debit Card
Some of the salient features of IDBI Visa Gold debit card include international usage with Rs 75,000 cash withdrawal and POS limit in a day. You also get Rs 5 lakh of PA cover with Rs 50,000 cover for loss of baggage and fire & burglary for household contents with this IDBI debit card (VISA and MasterCard, both).
IDBI VISA Classic PayWave Debit Card
With IDBI Classic Visa Paywave debit card, you get Rs 25,000 cash withdrawal limit and Rs 50,000 limit for purchases at POS or online transactions. This card comes with international validity.
IDBI MasterCard Classic Debit Card
Features of IDBI MasterCard Classic debit card include Rs 25,000 cash withdrawal limit and same for purchases at POS or online transactions. That said, you get 1 loyalty point for every Rs 100 spent via this debit card.
IDBI RuPay Women’s PayWave Debit Card
This card is made only for the IDBI women customers. Features include Rs 40,000 limit for ATM and shopping along with international validity and insurance cover up to Rs. 1 lakh for lost and counterfeit cards. With this, you get 2 loyalty points on every Rs 100 spent that cardholder can redeem later at the IDBI website.
IDBI VISA Women’s Debit Card
This is another women-only IDBI debit card which offers 2 loyalty points on every Rs 100 spent, as opposed to 1 loyalty point on using Paywave IDBI women’s debit card. It also offers 2 free visits per calendar quarter at participating Airport Lounges.
IDBI VISA Kids PayWave Debit Card
With this IDBI Kids debit card, you can inculcate the habit of savings and mindful spending in your kids at an early age. It comes with a cash withdrawal limit of Rs 2,000 in a day (same for POS purchase). Customers are covered with an insurance cover upto Rs. 8000 for lost and counterfeit cards.
IDBI VISA Being Me PayWave Debit Card
This IDBI Being Me PayWave debit card comes with a daily cash withdrawal limit of Rs 25,000 and the same for POS and online purchases. Along with it, there’s a credit of 1 loyalty point in your account on spending every Rs 100. It can be used as a contactless debit card as well for a transaction of no more than Rs 5,000.
How to Apply for IDBI Debit Card Online?
When you open an account with the IDBI Bank, you are offered with a debit card according to your account profile. However, if you did not opt for a debit card at the time, you can always call the IDBI customer care via call (1800-22-1071) or via e-mail (customercare@idbi.co.in) and check which IDBI debit card would suit you the best.
IDBI Debit Card PIN Generation Online
To save paper and add to the sustainability of the planet by reducing the carbon foot print, IDBI Bank promotes the use of Green PIN to activate IDBI debit card and also to reset or generate debit card PIN/password.
You can use this green PIN for your IDBI Bank debit card password reset via netbanking, SMS, IVR or at the bank’s ATM. Here’s how:
Via Netbanking
- Login to your IDBI Bank netbanking account
- Go to Menu > Cards > Debit Card Services > Pin Generation
- Now, select your debit card & PIN generation reason
- Click on Submit
- Here, create your new IDBI debit card PIN
- Click on Confirm New PIN
- Enter OTP and hit the Submit button to complete the process
At IDBI ATM
- Insert your IDBI Bank debit card at the bank’s ATM
- Select language
- Select Generate ATM PIN option
- Click on Generate OTP
- Hit the Generate ATM PIN option once again
- Enter the OTP you received previously
- Create your IDBI Bank debit card PIN here
Via SMS
Type GREENPIN <space> last 6 digits of debit card and send to 9820346920
You’ll receive an OTP. Go to IDBI Bank ATM and use this OTP to set your debit card PIN.
Make sure to send this SMS from your registered mobile number only.
Via IVR – Customer Care Centre
- Dial 18002094324 or 1800-22-1070 from your registered mobile number
- Choose the option to Generate ATM PIN
- Enter your Customer ID & debit card number
- Enter the OTP that you’ll receive on your mobile number
- Use this PIN at any IDBI Bank ATM to generate PIN
What are the IDBI Debit Card Charges?
The following are the charges that you need to pay for your IDBI Bank debit card:
| Purpose/Particulars | Charges |
| Annual Fee | Rs 110 – Rs 799 (basic debit card type) |
| Replacement of Lost/Damaged Card | NIL (Rs 799 only for lost/stolen Signature Debit Cards) |
| Transaction charges at IDBI Bank ATM | NIL |
| Transaction charges at other bank’s ATM | Rs 20 per transaction after 3 and 6 transactions in Metro and Non-Metro cities, respectively. (may differ for current account-holders) |
Check debit cards offered by different banks:
IDBI Debit Card: FAQs
There are two debit cards offered by IDBI Bank for women – Visa Women’s Paywave debit card and RuPay Women’s debit card.
SMS BLOCKspace<Customer ID>space<Card Number> to 5676777. If you don’t remember your debit card and have lost it, send the same SMS with your customer ID only.
If you want to unblock your IDBI debit card, you must visit your branch and submit a written request. This is to ensure utmost security of your account.
You can simply go to any IDBI Bank ATM and use your Green PIN to activate your debit card.
