Unlocking the potential of the best debit cards in India

Debit cards are a convenient way to access your money and shop. Unlike credit cards, debit cards are linked directly to your savings account, which means you can only spend what you have in your account. It helps avoid debt and overspending while providing several other benefits.

In this article, we will explore strategies for maximising the benefits of a debit card and discuss some of the best debit cards in India.

Choose a debit card with rewards
 

Some of the best debit cards in India offer rewards programs to help you earn cashback, points, and other incentives when you make purchases through the card. These rewards can add up quickly and provide significant savings over time. Look for a debit card that offers rewards relevant to your spending habits, such as cashback on gas or groceries or discounts on travel or entertainment.

Also read: https://www.idfcfirstbank.com/finfirst-blogs/savings-account/what-is-debit-card

Set a budget and track your spending
 

The best debit cards in India can help you stay within your budget. Before using your card, set a monthly spending limit and track your expenses closely. Many banks offer mobile apps, statements, etc., that can help you monitor your account activity in real-time and curb your expenses when they seem out of hand.

Use your debit card for everyday purchases
 

Debit cards are ideal for everyday purchases such as groceries, fuel, and other essentials. By using your debit card for these expenses, you enjoy more convenience as you can avoid carrying cash. Some of the best debit cards in India also offer a debit EMI feature that allows you to shop on EMIs on your debit card up to pre-approved limits.

Also read: https://www.idfcfirstbank.com/finfirst-blogs/finance/difference-between-an-atm-card-and-debit-card

Best debit cards in India - Options from IDFC FIRST Bank
 

IDFC FIRST Bank offers some of the best debit cards in India, with features to match diverse requirements and spending habits. 

Visa Platinum Debit Card

Perks -

·     Complimentary airport lounge access

·     Complimentary insurance coverage*

·     Personalised offers on travel, health, shopping, dining and more

Visa Classic Debit Card

Perks - 

·     Contactless transactions and features with EMV chip

·     Complimentary insurance coverage*

·     Offers on travel, health, shopping, dining, hotels, and more

FIRST Private Debit Card

Perks -

·     Complimentary domestic and international lounge access

·     Golf access at partner golf courses across the country

·     Complimentary death or permanent disability insurance coverage*

·     Lifestyle benefits

·     Roadside assistance with coverage all over the country

FIRST Wealth Debit Card

Perks -

·     Complimentary domestic and international lounge access

·     Roadside assistance with coverage all over the country

·     Complimentary death or permanent disability insurance coverage*

·     Golf access at partner golf courses across the country

·     Lifestyle benefits

FIRST Select Debit Card

Perks -

·     Complimentary domestic and international lounge access

·     Roadside assistance with coverage all over the country

·     Complimentary death or permanent disability insurance coverage*

·     Lifestyle benefits

In conclusion
 

You can get the most out of your debit card by following simple guidelines, such as choosing a card with low fees, monitoring your spending, and taking advantage of cashback and reward programs. IDFC FIRST Bank’s Debit Cards are among the best debit cards in India and provide a convenient and secure way to manage your money while you enjoy several offers and benefits. Open bank account online and get a debit card today!

Disclaimer

The contents of this article/infographic/picture/video are meant solely for information purposes. The contents are generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. The information is subject to updation, completion, revision, verification and amendment and the same may change materially. The information is not intended for distribution or use by any person in any jurisdiction where such distribution or use would be contrary to law or regulation or would subject IDFC FIRST Bank or its affiliates to any licensing or registration requirements. IDFC FIRST Bank shall not be responsible for any direct/indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information mentioned. Please consult your financial advisor before making any financial decision.