IDBI Bank Debit Card – A Complete Guide to Features & Application

Assume that you are at the mall, browsing in your favourite store, and there is the ideal jacket. You grab it and plan to buy it for ₹4,500. Instead of rummaging for the money, you simply pull out your IDBI Bank debit card, swipe it on the terminal, and payment is done in seconds.

Following is how the IDBI Debit Card is utilised in everyday life

• Get cash: Need ₹5,000 for a sudden trip? Withdraw the same from any IDBI or co-branded ATM.
• Pay bills: Make your card payment against the purchase of the jacket or cinema ticket all at a go.
• Manage expenses: You just spend the amount you possess in your account and remain well within your limits.

With safe payment, rewards, and ease, the IDBI Debit Card facilitates easy money management and a hassle-free experience, the same way as the jacket was bought.

Motive of IDBI Bank Debit Cards

The IDBI Bank debit card provides you with convenient access to your money, enabling cash withdrawals, purchases at retail outlets and online, and bill payments. It assists in managing spending, facilitates budgeting, and provides secure, quick transactions for e-payments such as shopping, ticket booking, and bill payments.

What is an IDBI Debit Card?

IDBI Bank debit card is a bank card with an association from your bank account so that your money is made available to you at all times. You may withdraw cash through ATMs, and buy goods in retail shops, and even online shops. With the card, you can conveniently settle bills as well as execute other transactions without money.

Benefits are convenient access to your money, where you're controlling expenditure since you spend only as much as you possess. It supports budget control also since you'll be using only what you have. The card is best suited for e-payments such as buying online, buying tickets, and paying bills. IDBI debit card provides you with secure, convenient, and rapid payments anywhere and at any time.

Features and Benefits of IDBI Bank Debit Card

• ATM Withdrawals: Withdraw cash from IDBI Bank ATMs and other shared network ATMs.
• Merchant Payments: Use the card for payment at several merchant locations.
• Online Shopping: Shop online and pay bills using a card.
• Discounts: Receive special discounts at specific stores and merchants.
• Loyalty Points: Receive loyalty points for each purchase you make with the card.
• Insurance Cover: Certain debit cards provide cover for accidental death, complete disability, and other occurrences.
• Secure Payments: IDBI Bank has a secure online payment service via Verified by Visa/Mastercard SecureCode.

Top IDBI Bank Debit Cards 2025

Latest IDBI Debit Cards in 2025

• RuPay Classic Debit Card.
• VISA Signature PayWave Debit Card.
• VISA Being Me PayWave Debit Card.
• VISA Platinum PayWave Debit Card.
• VISA Gold Debit Card

1. RuPay Classic Debit Card

The IDBI Bank RuPay Classic Debit Card is a versatile card to use both locally and abroad. You can use it to buy goods at shopping stores and cash out at ATMs globally. All transactions are done in INR and will be reflected in your account statement, making it convenient to monitor your expenses.

Benefits and features of RuPay Classic Debit Card in IDBI Bank

Here’s the information about the IDBI Bank RuPay Classic Debit Card features in a table format:

Fees and Charges on RuPay Classic Debit Card in IDBI Bank

Here’s the information about the fees and charges on the Rupay Classic Credit Card in a table format:

2. VISA Signature PayWave Debit Card

The IDBI Bank VISA Signature PayWave Debit Card is a contactless card that lets you make payments by tapping it at a POS terminal. It offers 3 loyalty points for every ₹100 spent and 4 free airport lounge visits each quarter.

Benefits and Features of VISA Signature PayWave Debit Card

Here’s information about the features and benefits of the IDBI Bank VISA Signature PayWave Debit Card in a table format:

Where to Use

• All outlets display the Visa logo.
• At all ATMs displaying the Visa/PLUS logo.
• For shopping online, purchasing air/rail/movie tickets, and paying bills.

How to Use

• Check for the contactless symbol and Visa PayWave logo on the payment terminal.
• Verify the amount of the transaction.
• Just wave or tap your card on the terminal.
• The terminal will beep and/or display four green lights.
• You can pay up to ₹2,000 without inserting or swiping the card.

Fees and Charges on VISA Signature PayWave Debit Card

Here’s the information about the fees for the IDBI Bank VISA Signature PayWave Debit Card in a table format:

3. VISA Being Me PayWave Debit Card

The IDBI Bank VISA Being Me PayWave Debit Card is a contactless card that allows you to make payment by waving the card close to a terminal. It has facilities such as loyalty points, being usable both locally and overseas, and insurance coverage for enhanced protection.

Features and Benefits of VISA Being Me PayWave Debit Card

Here’s the simplified version of the IDBI Bank VISA Being Me PayWave Debit Card features in a table format:

Fees and Charges on VISA Being Me PayWave Debit Card

Here’s the information about the fees and charges on VISA Being Me PayWave Debit Card :

4. VISA Platinum PayWave Debit Card

IDBI Bank VISA Platinum PayWave Debit Card is a high-end card with excellent benefits, including contactless PayWave technology, increased transaction limits, loyalty points, and lounge access at airports. It offers greater privileges and rewards on both day-to-day and travel expenses.

Features and Benefits of VISA Platinum PayWave Debit Card

Here’s the information about the IDBI Bank VISA Platinum PayWave Debit Card features in a table format:

Fees and Charges on VISA Platinum PayWave Debit Card

Here’s the simplified breakdown of fees for the VISA Platinum PayWave Debit Card in a table format:

5. VISA Gold Debit Card

The Gold Debit Card can be used for shopping at retail stores and ATM withdrawals in India and abroad. Transactions are debited in INR, and all activity, including merchant information, is reflected in your account statement. This allows you to monitor your spending easily, wherever you are.

How to Apply for a new IDBI Debit Card?

To apply for a new IDBI debit card, you can opt for one of the following options:

1. Phone Banking

• Dial the toll-free numbers 1800-22-1070 or 1800-209-4324.
• Inform the agent that you wish to apply for a debit card, and they will assist you.

2. At the Branch

1. Go to your nearest IDBI Bank branch.
2. Request a new debit card.
3. Fill out the application form.
4. Submit the form along with any required documents.
5. The bank will process your request and send you the debit card in a few days.

3. Email

• Email customercare@idbi.co.in.
• Add information such as the nature of the debit card you require and your details.

4. Through Internet Banking

1. Log in: Go to the IDBI Bank internet banking portal and sign in.
2. Navigate to Requests: Find the "Requests" tab or a similar section.
3. Debit Card Request: Choose the option to request a new debit card.
4. Follow Instructions: Provide the required details and submit your request.

How to Activate Your IDBI Bank ATM Card

1. Go to an IDBI Bank ATM: Perform your initial transaction at an IDBI Bank ATM.
2. Insert Card and Enter PIN: Insert your debit card and enter the PIN provided by the bank.
3. Proceed as per On-Screen Instructions: Proceed with the instructions given on the ATM screen.
4. Activate Confirmation: For confirmation, take out some amount from the ATM.
5. Successful Activation: In case of a successful transaction and dispensation of cash, your card gets activated.
6. If Unsuccessful: In case of an unsuccessful transaction, approach your nearest bank branch for assistance.

How to Reapply for a Lost Debit Card at IDBI Bank

1. Report the Lost Card

• Call Immediately: Call the 24-hour toll-free number 1-800-22-6999 to report your lost card and block it.
• Alternative Phone Banking: If you are unable to reach the toll-free number, call the Phone Banking Centre:

1800-22-1070 (for MTNL/BSNL customers)

1800-209-4324 (for other customers)

• Verify Your Identity: The bank will ask you some security questions to verify your identity.
• Provide Card Details: Be prepared to provide details of the lost debit card.

2. Request a New Card

• Phone Banking Request: Once you have reported the loss and blocked the card, inform the customer service executive that you wish to have a new card.
  
  
• Online Request:

1. Login to IDBI Bank's net banking website.
2. Search for the "Card Management" section.
3. Select the option to request a reissue or duplicate ATM card and proceed as instructed.

3. Follow-Up

• Once you have submitted the request, wait for your new card to be delivered to your registered address.
• This process will enable you to block your lost card and obtain a new one promptly.

Eligibility to apply for IDBI Debit Cards

1. Indian Resident: You should be an Indian resident to apply for an IDBI Bank debit card.

2. Account Requirement: You should have a current or savings account with IDBI Bank.

3. Age:

• For the Being Me Debit Card, you should be between 18 and 25 years of age.
• The IDBI Bank Platinum Card is open to all Royale Account customers.

Documents Required to apply for IDBI Debit Cards

1. Savings or Current Account: You need to have an existing savings or current account in IDBI Bank.

2. Proof of Identity: You can submit any of the following:

• PAN Card
• Aadhar Card
• Driving License
• Voter ID Card
• Passport

3. Proof of Address: You can submit any of the following:

• Aadhar Card
• Valid Passport
• Utility Bill (electricity, phone, water)
• Property Tax Bill
• Ration Card
• Insurance Document

4. Passport-size Photograph: A recent passport-size photo is needed.

5. Completed Application Form: Fill in the debit card application form.

6. Channel Registration Form: When applying for a particular card (such as the Platinum Debit Card), you might be required to complete this form.

7. Mobile Number and Email: Your email and mobile number must be registered with the bank.

Customer Care details related to IDBI Debit Cards

1. Phone Banking:

• Toll-Free Number (24/7): 1800 425 7600
• Non-Toll-Free Number: 022 - 4042 6013 (charges are applicable)

2. Lost/Stolen Card: Dial 1800-209-4324 or +91-22-67719100 using your registered number.

3. PIN Generation: Dial 1800-209-4324 or 1800-22-1070, or +91-22-67719100 (charges are applicable).

4. Email: General Queries/Complaints: idbicards@idbi.co.in

5. Other Channels:

• ATM: Insert your card and choose "GENERATE ATM PIN."
• Internet Banking: Login, proceed to "CARDS," and click on "GENERATE INSTANT ATM PIN."
• Missed Call: Dial a missed call at 18008431144 from your registered mobile.
• Delight Points: In case of any Delight Points-related issues, call 1800 208 1947 or write to membersupport@idbidelight.com.

6. Escalating Complaints: If your grievance is not addressed within 10 working days, get in touch with the Principal Nodal Officer (PNO) at 022 6655 2143.

Conclusion

The IDBI Bank Debit Card provides convenience, security, and ease for daily transactions. Whether shopping, withdrawing cash, or settling bills, this card makes handling money a breeze. With different cards such as RuPay, VISA Signature, and VISA Platinum, you receive rewards, exclusive offers, and safe payments both in and out of the country. 

And with simple application procedures and 24/7 customer service, it's an excellent instrument for money management. Keep your expenses in check, get special privileges, and have hassle-free transactions every time with an IDBI Debit Card!

FAQs related to IDBI Debit Cards

Q1: How long is the validity of an IDBI Debit Card?

The IDBI Debit Card will be valid for 5 years from the date of issuance, as printed on the face of the card.

Q2: Is it possible to make a partial payment with my Debit Card and pay the balance using a Credit Card from some other bank?

Yes, you can request the merchant to split your payment into two transactions so that you can pay half of the amount using your Debit Card and the remaining amount using your Credit Card.

Q3: What is the insurance coverage offered with the IDBI Debit Card?

IDBI Debit Cardholders, that is, holders of the RuPay Platinum Chip Debit Card, earn 2 loyalty points for each ₹100 spent. The card also provides insurance of ₹1 lakh in case of lost, stolen, or counterfeit cards. You also get a Personal Accident cover (Death Only) of ₹5 lakh.

Apply for Loans Fast and Hassle-Free

Apply Now

About the Author

LoansJagat Team

We are a team of writers, editors, and proofreaders with 15+ years of experience in the finance field. We are your personal finance gurus! But, we will explain everything in simplified language. Our aim is to make personal and business finance easier for you. While we help you upgrade your financial knowledge, why don't you read some of our blogs?