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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.
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.
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.
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.
Latest IDBI Debit Cards in 2025
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.
Here’s the information about the IDBI Bank RuPay Classic Debit Card features in a table format:
Feature | Details |
Versatile Usage | Use it for both online and offline shopping, ATM withdrawals, and paying bills. |
Wide Acceptance | Accepted at many ATMs and stores within India and internationally. |
Here’s the information about the fees and charges on the Rupay Classic Credit Card in a table format:
Fee Type | Charges |
Issuance Fees | ₹150 + taxes |
Annual Fees | ₹220 + taxes |
Add-on / Additional 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.
Here’s information about the features and benefits of the IDBI Bank VISA Signature PayWave Debit Card in a table format:
Feature | Details |
Contactless Payment | Pay by simply tapping or waving the card at a contactless POS terminal. |
Visa PayWave Technology | Uses Visa’s PayWave technology for easy and secure contactless payments. |
Where to Use
How to Use
Here’s the information about the fees for the IDBI Bank VISA Signature PayWave Debit Card in a table format:
Fee Type | Charges |
Annual Fee | ₹799 + applicable taxes |
Issuance Fee | ₹150 + applicable taxes |
Replacement Charges |
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.
Here’s the simplified version of the IDBI Bank VISA Being Me PayWave Debit Card features in a table format:
Feature | Details |
Contactless Payments | Pay by simply waving the card near a contactless terminal for purchases up to ₹5,000. |
Loyalty Program | Earn loyalty points for every ₹100 spent, which can be redeemed for rewards and offers. |
Here’s the information about the fees and charges on VISA Being Me PayWave Debit Card :
Fee Type | Charges |
Issuance Fees | ₹150 + taxes |
Annual Fees | ₹220 + taxes |
Add-on / Additional Card |
₹50 + taxes
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.
Here’s the information about the IDBI Bank VISA Platinum PayWave Debit Card features in a table format:
Feature | Details |
Contactless Payment (PayWave) |
Get special offers and discounts at various merchants. |
SMS Alerts | Receive instant SMS notifications for every transaction made with the card. |
Loyalty Points | Earn loyalty points for every ₹100 spent on the card. |
Online Transactions | Use it for online shopping, booking tickets, and paying utility bills. |
Contactless Payments | Option to make quicker payments with contactless technology. |
Green PIN | Get a paperless PIN when you receive or change your card’s PIN. |
Insurance Coverage | No longer eligible for accidental death or disability insurance coverage of ₹1,00,000. (as per NPCI communication). |
ATM Withdrawal & Limit | Daily ATM withdrawal and purchase limits may apply, but specific limits for the RuPay Classic card are not mentioned. |
RuPay vs. Visa | RuPay cards are mainly accepted in India; Visa cards are more widely accepted globally. |
Domestic Payment | RuPay cards are processed through domestic payment systems, making them more secure. |
₹220 + taxes
Replacement Fee | ₹220 + taxes |
RePIN (Physical PIN Request) | ₹50 + taxes |
Payments are secure since the card stays with you, and some transactions don’t require a PIN. |
Loyalty Points | Earn 3 loyalty points for every ₹100 spent at merchant locations. |
Airport Lounge Access | Enjoy 4 free visits per quarter to participating airport lounges in India. |
Daily Limits | Cash withdrawal limit: ₹3 lakh. |
Purchase Limit | Purchase limit at POS (Point of Sale): ₹5 lakh per day. |
Domestic and International Validity | The card can be used for transactions both within India and internationally. |
₹799 + applicable taxes
Add-on/Additional Card | ₹799 + applicable taxes |
Use the card for transactions in India and abroad, including ATMs and stores worldwide. |
Daily Limits | Cash withdrawal limit: ₹25,000 per day. Purchase limit: ₹25,000 per day. |
Insurance Cover | Covers lost or stolen cards, and may also offer personal accident and lost baggage protection. |
Zero Lost Card Liability | No liability for fraudulent use once the card loss is reported to IDBI. |
₹220 + taxes
Replacement | ₹220 + taxes |
RePIN (Physical PIN request) |
*T&C Apply
Pay by simply waving the card near a contactless terminal for quick and easy payments. |
Higher Transaction Limits | Cash withdrawal limit is ₹1 lakh per day and the Purchase limit at POS is ₹2 lakh per day. |
Loyalty Points | Earn 2 loyalty points for every ₹100 spent at merchant locations. |
Airport Lounge Access | Get 2 free visits per calendar quarter to participating airport lounges in India. |
Online Access | Use the card for online shopping, booking tickets, and paying utility bills. |
Global Acceptance | Use the card for purchases and ATM withdrawals both in India and abroad. |
Security | The card has enhanced security features for safe transactions. |
PIN Generation | Easily generate a PIN for your debit card. |
Instant Card Blocking | Block the card instantly in case of emergencies. |
Here’s the simplified breakdown of fees for the VISA Platinum PayWave Debit Card in a table format:
Fee Type | Charges |
Issuance Fee | ₹200 + applicable GST |
Annual Fee | ₹200 + GST (Classic card) |
₹500 + GST (Platinum card) | |
Replacement Fee | ₹200 |
Foreign Currency Transaction Charges | 3.5% of the transaction amount |
ATM Balance Enquiry (Outside India) | ₹25 |
Dynamic Currency Conversion (DCC) Markup Fee | 1% + GST (for local currency payments in international transactions) |
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.
To apply for a new IDBI debit card, you can opt for one of the following options:
1. Phone Banking
2. At the Branch
3. Email
4. Through Internet Banking
1. Report the Lost Card
1800-22-1070 (for MTNL/BSNL customers)
1800-209-4324 (for other customers)
2. Request a New Card
3. Follow-Up
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:
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:
3. Proof of Address: You can submit any of the following:
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.
1. Phone Banking:
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:
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.
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!
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.
Other Bank Debit Cards | |||
