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Transacting with hard cash has almost become rare today. With alternative modes of payment like cards and e-wallets, life has become much easier. There are worries of walking around with hard cash in your pocket, standing in long queues to pull out money, risk being robbed and losing money too! Debit cards have become popular today because of the convenience of usage and many benefits that are offered on the card.
About IDBI Bank Debit Card
IDBI Bank offers several privileges on its debit card. At a nominal annual cost of maintaining the card, it is quite economical and beneficial to use an IDBI Bank debit card. Some of salient features of this card are:
Rs.3 lac cash withdrawal
Rs.5 lacs on purchases
Rs.3 lacs on online transactions
One free airport lounge access per quarter
3 loyalty points per Rs. 100 spent
Zero Fuel Surcharge
Rs.1 lac cash withdrawal
Rs.2 lacs on purchases
Rs.1 lac on online transactions
2 loyalty points per Rs. 100 spent
Discounts at merchant outlets
5-year international validity
Rs.75,000 cash withdrawal
Rs.75,000 on purchases
Rs.75,000 on online transactions
Petrol surcharge waiver
Rs.25,000 cash withdrawal
Rs.25,000 on purchases
Rs.25,000 on online transactions
1 loyalty point per Rs. 100 spent
Rs.40,000 cash withdrawal
Rs.40,000 on purchases
Rs.40,000 on online transactions
Validity for 5 years
Rs.2,000 cash withdrawal
Rs.2,000 on purchases
Rs.2,000 on online transactions
Rs.1 lac on purchases
Free Airport Lounge access
2 loyalty points per Rs.100 spent
5% cashback on utility payments
With the introduction of cards, there has been a considerable increase in fraudulent transactions and skimming. The IDBI Bank debit card is protected from these tensions with the Verified by Visa from Visa and MasterCode from Mastercard payment services. Transactions have enhanced security with authentication details required from the card user. Your personal data is kept safe and is used only for identification purpose while making a transaction. This helps in getting misuse of the cards under control.
IDBI Bank has introduced the new age debit card – Contactless debit card. One need not swipe this card but only tap the swiping machine to make payment on purchases. This is a very secure and convenient way of transactions. The card is embedded with a chip which used radio transmission through Near Field Communication technology when brought close to the swiping machine. Customers can make payments up to Rs. 2000/- per day with this type of card. Since the card does not leave your hands physically and PIN entry not required, it is one of the safest ways of transaction.
(1) How can I apply for a contactless debit card with IDBI Bank?
If you apply for a Visa Platinum or Signature Debit Card with IDBI Bank, you can avail the contactless debit card.
(2) What is difference between debit card and credit card?
Debit card works on buy now, pay now concept. Credit card works on buy now, pay later concept. With credit card, one needs to make monthly payments towards the credit availed on the usage of the card along with some interest.
(3) What are the annual charges of the IDBI Bank debit card?
The bank charges an annual cost of Rs. 110/- which is free for the first year and gets charged only from the second year of taking the card.
(4) Where all can I use the IDBI Bank debit card?
IDBI Bank debit cards can be used to withdraw cash from all IDBI Bank ATMs and non-IDBI Bank ATMs across the world. The card can also be used to make purchases at merchant locations both nationally and internationally.
(5) Is there a transaction charge while using the IDBI Bank debit card?
There is no charge applicable if the card is used at IDBI Bank ATM. There are no transactions costs while using the card at various merchant locations. However, for international usage, there is a slight charge applicable towards currency exchange rate.
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CreditMantri will never ask you to make a payment anywhere outside the secure CreditMantri website. DO NOT make payment to any other bank account or wallet or divulge your bank/card details to fraudsters and imposters claiming to be operating on our behalf.