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Managing your income effectively is important, and salary accounts make it easier. While most salary accounts are similar to savings accounts, they often lack extra perks, like a free debit card.
With an IDFC FIRST Bank Salary Account, you get a free debit card without any hidden charges or extra requirements. It’s a hassle-free way to simplify and enhance your financial management.
The IDFC FIRST Bank Corporate Salary Account comes in two variants—the Platinum Plus Salary Account and the Classic Plus Salary Account. Which account you can opt for depends on your net monthly salary, with each variant offering a specific free debit card –
Salary account variant |
Eligibility |
Debit card offered |
Platinum Plus Salary Account |
Net monthly salary of ₹50,000 or more |
Mastercard World Debit Card |
Classic Plus Salary Account |
Net monthly salary of ₹25,000 or more |
VISA Classic Debit Card |
As part of the bank’s zero-fee banking initiative, each free debit card provided with your IDFC FIRST Bank Corporate Salary Account comes with no hidden charges. These cards are issued free of cost, enabling you to enjoy all associated benefits without any annual fees or additional charges.
The free debit cards offered with the IDFC FIRST Bank Corporate Salary Accounts provide exceptional transaction benefits, insurance protection, and exclusive features to meet your banking and lifestyle needs. Here’s a detailed breakdown –
With the free debit cards, you can enjoy seamless transactions and unlimited ATM access across all ATMs. The enhanced ATM withdrawal limit with IDFC FIRST Bank Salary Accounts ensures convenient and high-value cash withdrawals.
Feature |
Mastercard World Debit Card |
VISA Classic Debit Card |
Daily ATM withdrawal limit |
₹2 lakhs |
₹1 lakh |
Daily POS transaction limit |
₹6 lakhs |
₹4 lakhs |
These high withdrawal and transaction limits ensure hassle-free access to your funds, anytime and anywhere.
Both debit cards offer extensive insurance coverage, with the Platinum Plus variant providing enhanced travel-related benefits.
Benefit |
Mastercard World Debit Card (Platinum Plus) |
VISA Classic Debit Card (Classic Plus) |
Personal accident insurance |
Up to ₹35 lakhs |
Up to ₹5 lakhs |
Air accident insurance |
₹1 crore |
₹30 lakhs |
Lost card liability cover |
Up to ₹6 lakhs |
Up to ₹4 lakhs |
Purchase protection |
₹1 lakh |
₹50,000 |
Domestic airport lounge access |
Twice every quarter |
Once every quarter |
Trip cancellation benefits |
Up to ₹50,000 |
Up to ₹25,000 |
Flight & hotel cancellation |
Domestic & international trips |
Domestic & International trips |
Roadside assistance |
4 times per year (includes towing, battery jump-start, tyre change) |
N/A |
International travel insurance |
Up to $5000 |
N/A |
These insurance benefits provide comprehensive coverage for accidents, fraud protection, and travel emergencies, ensuring financial peace of mind.
Both debit cards allow you to earn attractive rewards on your transactions, offering more value with every spend.
Feature |
Mastercard World Debit Card |
VISA Classic Debit Card |
Welcome rewards |
2000 points worth ₹500 on the first transaction |
2000 points worth ₹500 on the first transaction |
Offline (POS) transactions |
1X reward point per ₹150 spent |
1X reward point per ₹150 spent |
Online (e-commerce) transactions |
2X reward points per ₹150 spent |
2X reward points per ₹150 spent |
Accelerated monthly rewards |
10X reward points on spends over ₹20,000 |
10X reward points on spends over ₹20,000 |
Note – 1 Reward Point = ₹0.25. Whether shopping online or offline, the reward structure lets you earn more as you spend, adding exceptional value to every transaction.
In addition to transaction and insurance benefits, these free debit cards offer exclusive features that enhance your lifestyle and travel experiences –
Feature |
Mastercard World Debit Card |
VISA Classic Debit Card |
Domestic airport lounge access |
Twice every quarter |
Once every quarter |
Exclusive travel offers |
N/A |
Flight and hotel booking offers |
Exclusive discounts |
Dining, shopping, and entertainment offers |
Dining, shopping, and entertainment offers |
From premium lounge access to exclusive discounts, these features make every experience more convenient and rewarding.
Together, these benefits make the free debit cards provided with the IDFC FIRST Bank Corporate Salary Accounts an invaluable addition. Whether it's higher transaction limits, comprehensive insurance, or rewards, you enjoy exceptional convenience and value at no extra cost.
Opening a salary account at IDFC FIRST Bank is as simple as opening a regular savings account. Here are the steps –
Once the process is complete, your account will be activated, and you’ll receive your free debit card to start enjoying its benefits.
The free debit cards offered with these accounts combine convenience, security, and rewarding benefits. Features like comprehensive insurance and a high ATM withdrawal limit make IDFC FIRST Bank the ideal choice for managing your finances seamlessly.
With options tailored to different salary thresholds, these accounts ensure a seamless and rewarding banking experience. Find out more about the salary accounts from IDFC FIRST Bank, explore the variant that suits your needs, and open your account today to unlock premium benefits with zero hidden charges.
The features, benefits and offers mentioned in the article are applicable as on the day of publication of this blog and is subject to change without notice. The contents herein are also subject to other product specific terms and conditions and any third party terms and conditions, as applicable. Please refer our website www.idfcfirstbank.com for latest updates.