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Why choose IDFC FIRST Bank Salary Accounts with free debit cards

02 May 2025 by Team FinFIRST

Benefits of IDFC FIRST Salary Account

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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.

Free debit cards with IDFC FIRST Bank Corporate Salary Accounts

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.

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What are the benefits of free debit cards?

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 –

1. Transaction benefits

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.

2. Insurance benefits

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.

3. Rewards program

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.

4. Exclusive features

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.

How to open a salary account at IDFC FIRST Bank?

Opening a salary account at IDFC FIRST Bank is as simple as opening a regular savings account. Here are the steps –

Step 1 – Visit the IDFC FIRST Bank Corporate Salary Account page.
Step 2 – Click on ‘Open Account’ to begin the process.
Step 3 – Enter your personal and professional details.
Step 4 – Choose between the Platinum Plus Salary Account or Classic Plus Salary Account based on your monthly salary.
Step 5 – Complete your Video KYC for verification.

Once the process is complete, your account will be activated, and you’ll receive your free debit card to start enjoying its benefits.

Conclusion

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.

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.

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