IDFC ATM Withdrawal Limit – Daily Cash Limits Explained

Key Takeaways:
 

• IDFC FIRST Bank sets daily ATM withdrawal limits based on card type which can be up to ₹2,00,000/day for Visa Platinum and ₹10,00,000/day for FIRST Private cards.
   
• You can check your IDFC ATM withdrawal limit anytime via mobile app, net banking, ATM slip, or customer care.
   
• IDFC ATM withdrawal limit can be increased by requesting a card upgrade or adjusting settings within your account eligibility.
   
• Plan withdrawals smartly to avoid “limit exceeded” errors and extra ATM transaction charges.
   

Bonus Tip: Before heading to the ATM, always check your IDFC ATM withdrawal limit per day using the mobile app or net banking. It saves you from declined transactions, especially during big purchases or emergencies.

The IDFC ATM withdrawal limit simply means the maximum amount of cash you can take out from an ATM in a single day using your IDFC FIRST Bank debit card. It’s a small rule, set by the IDFC Bank that keeps your money secure and helps you plan your finances better. 

Let us find out about Sheila, a 26-year-old fashion designer from Udaipur. When her salary hit her account, she was thrilled. She was another step closer to her dream of “Paisa, Gaadi, Mehnga Ghar.” But that excitement paused for a moment when she realised she couldn’t just withdraw all her cash in one go. Why? It was because of the IDFC ATM withdrawal limit per day. Once she understood what her IDFC ATM withdrawal limit was, she adjusted her plans, made her withdrawals smartly, and managed two big purchases without a hitch. And just like Sheila, you too can stay one step ahead by knowing how the IDFC ATM withdrawal limits work.

What is the IDFC ATM Withdrawal Limit?

When Sheila wanted to buy a high-end sewing machine and later another mini pop-up store setup, she had to figure out how much cash she could take out from an ATM in one day or a month with her card. That’s where the concept of ATM withdrawal limit comes in, the maximum cash you can pull out from an ATM using your debit card in a day (or sometimes a month) as defined by the bank.

For example, some sources say, “IDFC FIRST Bank offers a higher daily purchase limit of ₹ 2,00,000 and a higher daily ATM withdrawal limit of ₹ 2,00,000”

This means if you hold the right variant of the card, you could withdraw up to around ₹200,000 in a day (depending on card type and eligibility).

So Sheila checked: “Mera card Platinum hai ya Classic?” She figured her card was a Visa Platinum debit card.

IDFC FIRST Bank ATM Withdrawal Limit by Card Type

Here’s a handy table (based on available public info) showing daily ATM cash withdrawal limits for various IDFC FIRST Bank debit card types. Note: These are indicative; actual IDFC ATM withdrawal limits may vary depending on your account/account type/region, so always check your “my-account” details.
 

* “Daily” means per banking day; “ATM cash withdrawal” = cash you withdraw from an ATM (not purchase or POS).

This table gave Sheila clarity. She found out what her IDFC Visa Platinum debit card withdrawal limit is (so around ₹2,00,000/ day). Woohoo! So for her, it meant her sewing machine and pop-up equipment for which she could plan accordingly.

How to Check Your IDFC Withdrawal Limit Per Day

Sheila uses her mobile, laptop, and sometimes makes a quick branch visit. Here’s how you can check your “what’s-my-limit” too:

• Through IDFC FIRST Bank Mobile App (Step-by-step)
   

  • Open the IDFC mobile banking app.
     
  • Sign in with your credentials.
     
  • Go to Cards & Limits or Debit Card Services menu.
     
  • Select your Debit Card, then view “Cash Withdrawal Limit (ATM)”.
     
  • If allowed, update or view the current IDFC withdrawal limit status.

Sheila did this while sipping on her thandi lassi at her design studio, followed by a session of “Kabhi zoom-in, kabhi cart-out”.

• Via Internet Banking Dashboard
   

  • Log in at the IDFC net-banking portal.
     
  • Navigate to Cards, then Debit Cards, and finally Limit Settings.
     
  • There, you can view your IDFC ATM withdrawal limit, monthly cap (if any), and change it (if the bank permits).
     

She did this the next day from her laptop and saved the screenshot as “MoneyRule1.jpg”.

• By Visiting the Nearest ATM (Check Balance / Info Slip)
   

  • Insert the card at an IDFC ATM.
     
  • Choose “Balance enquiry / Mini-statement”.
     
  • Some ATMs show the “Available Withdrawal Limit Today” or “Remaining today”.
     
  • Or, withdraw once, then next time see if it rejects the “Limit exceeded” message.

Sheila learnt this the hard way when her second withdrawal got rejected: “Arre, IDFC ATM withdrawal limit khatam!”

• By Calling Customer Care or Visiting a Branch
   

  • Call the IDFC customer care number (on the back of your card) or 180010888.
     
  • Ask for your card’s IDFC ATM withdrawal limit and monthly limit (if applicable).
     
  • You can also walk into the branch and request a printed “Schedule of Limits”.

Being a little old-fashioned, Sheila did call once to ask, “Hello bhaiya, limit kitna hai?” to get confirmation.

How to Increase Your IDFC FIRST Bank ATM Withdrawal Limit

Because Sheila had bigger purchases coming, she wanted to temporarily raise her limit. Here’s how you or she can do it:

• On mobile or net-banking, if allowed, set a higher “per-day” IDFC ATM withdrawal limit within the maximum allowed band.
   
• Submit a request at the branch for a card upgrade (say from Classic to Platinum), which inherently raises the IDFC ATM withdrawal limit.
   
• Link more funds / keep a higher average balance to become eligible for premium cards with higher IDFC ATM withdrawal limits.
   
• Ensure you have no recent fraud issues, and your KYC is fully updated (bank won’t raise for you if flagged).

Sheila introspected and made a smart move: “Mujhe design-shop ki payment kal karni hai, toh IDFC ATM withdrawal limit thodi adjust karni padegi.”

IDFC FIRST Bank ATM Transaction Charges & Limits

While IDFC ATM withdrawal limits are high, don’t forget charges and other rules:

• IDFC’s Schedule of Charges shows: e.g., cash withdrawal at International ATM: ₹125, etc, for some card types.
   
• Some accounts might have free ATM transactions above a certain count, then charges apply.
   
• Also, “per transaction limit” may be lower. For example, on one page, it mentions that for a Classic Debit Card: “An amount up to INR 10,000/transaction can be withdrawn using your Debit Card on non-IDFC FIRST Bank ATMs”. 

In Sheila’s case, she made 2 large withdrawals but ensured she did it at her bank’s own ATM (where higher per-transaction limits are allowed) to avoid multiple small withdrawals and extra charges.

How Sheila Made Her Smart Purchases

Sheila, the young designer, had two key expenses:
 

1. A high-end industrial sewing machine costing ~ ₹1,80,000.
    
2. A mini pop-up shop fit-out costing ~ ₹1,20,000.

She checked her card: Visa Platinum Debit Card with IDFC, her daily ATM withdrawal limit was ₹2,00,000. So she planned:
 

• Day-1: Went to her bank’s ATM, withdrew ₹1,80,000 in one go (since under her daily cap).
   
• Day-2: Paid the vendor via UPI, but she still needed some cash for immediate local expenses, then she withdrew ₹50,000.
   
• Day-3: For the fit-out expense, she did the payment online (less cash) and only withdrew ₹20,000 to avoid multiple ATM transactions and extra fees.
   

By planning withdrawal under her IDFC ATM withdrawal limit and avoiding unnecessary ATM fees, she avoided a “tension” moment where the ATM would say “Limit exceeded” and the vendor would stand waiting, awkwardly. She managed her finances efficiently which resulted in no panicked ATM runs late at night, no extra fees, only tension-free shopping!”

Conclusion: Cash-Out Like a Pro, Not Like an Extra

So yes, finance doesn’t need to be boring “interest rate­s and terms” only. With your card from IDFC (or any bank), knowing the “ATM withdrawal limit per day”, the card type (Visa Platinum / Classic / RuPay), checking via mobile/online, and planning your withdrawals just like Sheila did, you’ll be ready. 

The IDFC ATM withdrawal limit is your friend, not your enemy. And as Sheila said after her withdrawal: “Cash in hand? No tension. ATM says yes? Game on.”

Next time you walk up to that ATM, imagine you’re saying: “Too easy, bank ne limit bata di, uske hisaab se nikalta hoon.” Vibe it like Gen Z, plan it like a strategist, and execute like a finance-rockstar.

Ab cash-out ko ‘oh-no’ nahi, ‘oh-go’ bana lo!

FAQs:

What if I hit the daily IDFC ATM withdrawal limit?
The ATM will reject further withdrawal attempts for that day. You will have to wait until the next banking day.

Is there a monthly IDFC ATM withdrawal limit?
Public references emphasize daily limits more. But your account type may have internal policies. Always check.

Can I withdraw abroad (international ATM) with my IDFC debit card?
Yes, if the card supports international withdrawals. But your ATM limit and per-transaction limit still apply. Also, forex mark-up + conversion fees may apply.

My card says “Visa Platinum Debit Card withdrawal limit per day.” Where can I find exactly how much?
Use your mobile app or net-banking (see section above), or call customer care. For example, one blog states that for a “Visa Platinum Debit Card” with IDFC, the daily ATM withdrawal is ~ ₹2,00,000. 

Are the limits fixed, or can I ask for higher?
You can request card upgrades (Classic to Platinum to FIRST Private) or a higher limit within your existing card variant, subject to bank approval, see “How to Increase…” section.

If I hit my daily cash-withdrawal limit at an ATM with my IDFC FIRST Bank card, can I withdraw more after paying on that same day?
No, once the daily limit is reached the ATM will reject further withdrawals, even if you redeposit immediately. 

Are there extra transaction-fees each time I withdraw cash using my IDFC card abroad?
Yes, some Reddit users report fixed charges (e.g., ₹199 + GST) per withdrawal in international ATMs.

What is the daily ATM cash-withdrawal limit for the Visa Platinum debit card of IDFC FIRST Bank?
For the Visa Platinum debit variant, the limit is ₹ 2,00,000 per day. 

Does IDFC FIRST Bank set a monthly ATM withdrawal limit for debit cards?
Public sources emphasise daily limits rather than a fixed monthly cap, so you should check your individual account details.

How can I check my IDFC ATM withdrawal limit per day?
You can check via the mobile banking app, net-banking, ATM mini-statement/ slip or by calling customer care.

Can I increase the ATM withdrawal limit on my IDFC FIRST Bank debit card?
Yes, you can request a card upgrade (e.g., Classic to Platinum) or ask the bank to adjust your limit subject to eligibility.
 

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‘Simplify Finance for Everyone.’ This is the common goal of our team, as we try to explain any topic with relatable examples. From personal to business finance, managing EMIs to becoming debt-free, we do extensive research on each and every parameter, so you don’t have to. Scroll up and have a look at what 15+ years of experience in the BFSI sector looks like.