IDFC First Bank is a popular private sector bank in India with a considerable customer share in the market. To provide easy banking facilities, the bank provides different IDFC First Bank debit card for different needs of its customers. Here, we’re explain all about IDFC debit cards.
Types of IDFC First Bank Debit Cards
The following are the 8 different types of debit cards offered by IDFC First Bank:
IDFC First PRIVATE Debit Card
The following are the prime features of this debit card:
- Non-plastic debit card; made of metal
- Daily shopping limit: Rs 10 lakhs
- Daily cash withdrawal limit: Rs 15 lakhs
- Limit for minors:
- Daily cash withdrawal: Rs 25,000
- Daily shopping: Rs 25,000
- Limit can be decreased as per the customer’s preference via netbanking or mobile banking
- 2% markup charge on international usage
- Free domestic airport lounge access – 4 per quarter
- Free international airport lounge access – 6 per quarter
- Personal Accident Insurance – Up to Rs 1.5 Crores
- Air Accident Insurance – Up to Rs 5 Crores
- Lost Card Liability Cover – Up to Rs 15 lakhs
IDFC First Wealth Debit Card
These are the main features and benefits of IDFC wealth debit card:
- Daily shopping limit: Rs 7 lakhs
- Daily cash withdrawal limit: Rs 12 lakhs
- Limit for minors:
- Daily cash withdrawal: Rs 25,000
- Daily shopping: Rs 25,000
- Free domestic airport lounge access – 3 per quarter
- Free international airport lounge access – 2 per quarter
- Personal Accident Insurance – Up to Rs 1 Crore
- Air Accident Insurance – Up to Rs 2.5 Crores
- Lost Card Liability Cover – Up to Rs 12 lakhs
IDFC First Select Debit Card
The following-mentioned are the highlights of this debit card:
- Daily Limit:
- Shopping: Rs 5 lakhs
- Cash withdrawal: Rs 10 lakhs
- Complementary domestic airport lounge access – 2 times every calendar quarter
- Personal Accident Insurance – Up to Rs 50 lakhs
- Air Accident Insurance – Up to Rs 1.5 Crores
- Lost Card Liability Cover – Up to Rs 10 lakhs
IDFC First Visa Signature Debit Card
Highlights of this IDFC First VISA Signature debit card:
- Limits:
- Daily ATM Withdrawals: Rs 2 lakhs
- Daily Purchases: Rs 6 lakhs
- Limits for Minors:
- ATM: Rs 10,000
- Purchases: Rs 10,000
- One complementary domestic airport lounge access, every quarter
- Insurance Coverage Limit:
- Personal Accident: Rs 35 lakhs
- Air Accident: Rs 1 Crore
- Purchase Protection: Rs 1 lakh
- Lost Card Liability: Rs 6 lakhs
IDFC First Visa Platinum Debit Card
Prime features & benefits offered under this debit card:
- Limits:
- Daily ATM Withdrawals: Rs 2 lakhs
- Daily Purchases: Rs 6 lakhs
- Limits can be decreased as per user’s preference by logging into their IDFC First netbanking account
- One complimentary airport lounge access, every quarter
- Personal Accident Cover: Rs 35 lakhs
- Air Accident Cover: Rs 1 crore
- Purchase Protection Coverage: Rs 1 lakh
- Cover for Lost Card: Rs 6 lakhs
- Standing instructions for recurring transactions available
IDFC First Visa Classic Debit Card
Important features of this debit card are:
- Daily ATM Withdrawal Limit: Rs 2 lakhs
- Daily Purchase Limit: Rs 6 lakhs
- Limit for Minors: Rs 10,000
- Insurance Cover by National Insurance Company Limited:
- Personal Accident: Rs 5 lakhs
- Air Accident: Rs 30 lakhs
- Purchase Protection: Rs 50,000
- Lost Card Liability: Rs 4 lakhs
IDFC First RuPay Platinum Debit Card
Check the prime features & benefits of this debit card by IDFC First Bank:
- Daily Cash Withdrawal Limit: Rs 50,000
- Daily Shopping Limit: Rs 1 lakh
- Daily cash withdrawal limit at non-IDFC First ATM: Rs 10,000 per transaction
- Airport lounge access: Free twice in a year
IDFC First RuPay Classic Debit Card
The following are the features & benefits of this debit card:
- Have two variants: Classic and PMJDY
- Classic Limits:
- Daily ATM withdrawals: Rs 40,000
- Daily Purchases: Rs 1 lakh
- PMJDY Limits:
- Daily ATM withdrawals: Rs 25,000
- Daily Purchases: Rs 1 lakh
Documents Required for IDFC First Debit Card Application
The following documents may be asked by the bank official when processing your IDFC First debit card application:
- PAN Card
- Address Proof
- Photograph-sized coloured photograph
- Savings Account statement
Any other document asked at the time.
IDFC First Easy Buy EMI on Debit Card
To buy consumer durable goods via IDFC First debit cards, the bank offers the facility to convert the purchase into easy EMIs for affordability.
IDFC First Debit Card Easy Buy EMI Eligibility
Check your IDFC First debit card Easy Buy EMI eligibility by sending the following SMS:
EASYBUY<space><Last 4 digit of IDFC FIRST Bank card number>
to
5676732
Features of IDFC First Debit Card Easy Buy EMI
- Completely paperless process
- Account balance is not blocked
- Affordable interest rates on EMIs
- Loan available on minimum amount of Rs 2,000
- Flexible repayment period: 3,6,9,12,18 and 24 months (i.e. 3 months to 2 years)
- Convenience Fee: Rs 199 (plus GST)
- Auto-Debit return fee: Rs 400
- Late Payment charges: 2% per month or Rs 300, whichever is higher
- Closure charges: 5% of the outstanding principal
IDFC First Debit Card Charges
The following are the debit card charges by IDFC First Bank for Visa Platinum and Visa Classic are given below:
- IDFC First Debit Card Issuance Charges: Rs 99
- IDFC Debit Card Reissuance Charges: Rs 99
How to Activate IDFC Debit Card?
To activate your IDFC debit card, all you need to do is use it any ATM for the first time. It can be for financial transaction or for non-financial transaction as well. On doing this, your IDFC First Bank debit will get activated and you’ll be able to use it for your mobile banking registration and more.
How to Generate IDFC Debit Card PIN?
If you wish to generate or change your IDFC First debit card PIN anytime and from anywhere, follow these steps:
Step 1: Login to your IDFC First netbanking account.
Step 2: Select the ‘Account’ option.
Step 3: Click on ‘Cards’.
Step 4: Select the ‘Generate PIN’ option.
Step 5: Type a 4-digit debit card PIN of your choice.
Step 6: Enter the OTP that you’ll receive on your registered mobile number and submit the same.
This was the simple and easy to follow IDFC debit card pin generator process.
IDFC First Debit Card: FAQs
Yes. You can change your IDFC First debit card anytime via the bank’s netbanking option.
Yes. PAN Card is a necessary document for all types of banking services.
1800 10 88 is the 24×7 IDFC First Bank customer care hotline.
Login to your IDFC First netbanking or mobile banking account and block your debit card under the Cards section. If you can’t access online banking, call on 1800 10 88 from your registered mobile number to block your debit card instantly.
A Green PIN is the debit card PIN that you generate using ATM, netbanking or mobile banking options. It’s called Green PIN because there’s no paper involved in the process, thus adding to the ‘Save Paper Save Trees’ initiative.