IDBI Bank Debit Card: Features & Benefits, How to Apply & Charges

It is important to have a savings or current account with IDBI Bank to apply for any of the IDBI Debit Cards. You must fulfill the below-mentioned eligibility criteria to apply for a debit card:

• You must be an Indian resident
• You must have a savings or current account with the bank

IDBI Bank debit cards are loaded with numerous advantages, like international acceptance, free lounge access, reward points, exclusive discounts and much more. However, these benefits vary as per the variant of the debit card issued to you. Below mentioned are some of the major features and benefits of debit cards issued by the bank:

• You can withdraw cash hassle-free from any bank’s ATM
• You can use your card for domestic as well as international transactions
• You can earn loyalty points on online as well as offline transactions
• You can avail free domestic airport lounge access, based on the variant of your card
• You can make contactless payments just by tapping your card at the PoS machine
• You can avail additional benefits like insurance coverage, concierge services, exclusive offers on select merchants & more

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The fees and charges for IDBI debit cards vary as per the variant of your card. However, some of the similar IDBI Bank debit card charges are mentioned in the table below:

Type of Fee/ Charge	Amount
Annual/ Add-on Card Fee	Vary from card to card
Issuance Fee	Rs. 150
Repin (in case of physical PIN request)	Rs. 50

The debit cards offered by IDBI Bank are issued based on your account opening form. However, you can also apply for a debit card separately if you have not opted for it while opening the account. Here is how you can apply for IDBI Debit Card:

Through Phone Banking:

In order to apply for any of the debit cards issued by the bank, you can contact the toll-free number, i.e., 1800-22-1070 or 1800-209-4324. You can inform the representative that you want to apply for a debit card, the representative will ask for a few details and process your request. You will get the debit card as per your eligibility.

Through Email:

Apart from contacting IDBI Bank customer care, you can also drop an email informing them that you want to avail a debit card. You are required to send an email to customercare@idbi.co.in., along with the all the details like name of the debit card, your account details and more. The bank will then verify your details and issue a debit card as per the eligibility terms.

Through Branch:

You can also visit any of the nearest branches of the bank and ask an executive to guide you through the process of applying for a debit card. All you need to do is fill out an application form and submit it along with the relevant documents (if required). You will receive a debit card as per your eligibility at the given address.

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In order to use your debit card, you are required to activate it by generating a PIN. You can do the debit card PIN generation for IDBI Bank debit cards through online as well as modes. Here are all the details:

Through Net Banking: You can generate the Green PIN for your debit card online by logging in to the net banking portal of IDBI Bank. You can select the ‘PIN Generation’ option under the ‘Debit Card Services’ section to activate your debit card. After this, you are required to enter a few details and a new PIN for your future transactions.

Through IVR: You can also contact the customer care of the bank and follow the instructions given by the IVR to generate the Green PIN. After creating the PIN, you can use your debit card at any bank’s ATM or PoS machine with the PIN set by you.

Through IDBI Bank ATM: You can also activate your debit card by visiting any of the nearest ATMs of the bank. All you need to do is insert the card at the ATM and follow the instructions available on the screen to generate the Green PIN. After successfully generating the PIN, you can use your debit card for future transactions.

IDBI debit cards work similar to IDBI credit cards, you can shop, make online payments, pay bills and do much more with your debit card. Here is how you can use your debit card for online and offline transactions:

Using IDBI Bank Debit Card for Offline Transactions:

To use your debit card for offline transactions, you are required to swipe your card at the PoS machine. Then, you need to enter the four-digit PIN to complete the transactions. The debit card PIN work as an added security layer which ensures that the transaction is carried out from the right credit card. After entering the PIN, the transaction will be completed and you will receive a confirmation message on your registered mobile number.

Using IDBI Bank Debit Card for Online Transactions:

You can use your debit card for online transactions by entering the details, including debit card number, expiry date and CVV. Besides this, you are also required to enter the four-digit PIN and the OTP to complete the transaction. After entering these details, you will get a confirmation message on your registered mobile number regarding the transaction.

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Q. How many lounge access can I avail with the IDBI Bank debit card?

A. The benefits provided on your debit card depend on its variant. For an instance, you can earn 4 free domestic lounge access every quarter with VISA Signature PayWave Debit Card. On the other hand, RuPay Platinum Debit Card only 2 complimentary domestic lounge access every quarter. So, the number of lounge access you can avail varies from card to card.

Q. Can I use my IDBI debit card for international transactions?

A. Yes, all the debit cards issued by IDBI Bank are valid for domestic as well as international transactions. The good thing is you can choose the validity of your card as per your convenience.

Q. Can I earn rewards on my IDBI debit card?

A. Yes, you can earn reward points on every transaction, whether its online or offline. These reward points are offered on multiple categories, such as shopping, travelling, bill payments and much more. You can also redeem the earned reward points as per the way described on the bank’s website.

Q. Does IDBI Bank charge a fee for an add-on card?

A. Yes, the bank charges a fee for providing an add-on card. This fee varies from card to card. For example, the add-on fee for RuPay Platinum Debit Card is Rs. 300, whereas you can get an add-on card with RuPay Classic Debit Card at a fee of Rs. 220.

Q. Can I apply online for the IDBI Bank debit card?

A. You can apply for any of the debit cards issued by the bank through phone banking, or by contacting the customer care of the bank. Apart from this, you can either email the bank requesting a debit card or visit any of the nearest branches and submit the duly filled application form. Usually, the bank gives a debit card when you open a savings account.

Q. Can I make contactless payments with IDBI Bank debit cards?

A. Yes, you can make contactless payments just by tapping your debit card at the PoS machine. You can complete the transaction without entering the PIN. However, this facility can be availed only on transactions of up to Rs. 5,000.