What's special about us
Enjoy Zero Charges on All Commonly Used Savings Account Services
- About Us
- MD & CEO letter about the bank
- MD & CEO
- Our History
- Letter to Shareholders on the 1st Annual Report after Merger
- Letter to Shareholders on the 2nd Annual Report after Merger
- Letter to Shareholders on the 3rd Annual Report after Merger
- Letter to Shareholders on the 4th Annual Report after Merger
- Board of Directors
- Awards & Accolades
- News Room
- Investors
- Careers
- ESG
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As per amendment in the Income Tax Rules, PAN or Aadhaar are to be mandatorily quoted for cash deposit or withdrawal aggregating to Rupees twenty lakhs or more in a FY. Please update your PAN or Aadhaar. Kindly reach out to the Bank’s contact center on 1800 10 888 or visit the nearest IDFC FIRST Bank branch for further queries.
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With the ease of IDFC FIRST Bank Visa Classic Debit Card
Make your transactions rewarding
With the ease of IDFC FIRST Bank Visa Classic Debit Card
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Effortless payments
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Exciting debit card offers
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Insurance coverage
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Effortless payments
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Exciting debit card offers
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Insurance coverage
Enhanced ATM and POS Withdrawal Limits
Enjoy higher limits with the convenience of setting limits of own choice via net/mobile banking
Understand The Available Limits
What are the different limit options available for me?
With the IDFC FIRST Bank Visa Classic Debit Card, you can control the Debit Card daily limits for cash withdrawal as well as for purchase. The maximum limits can be set depending on your classic debit card variant, do check the below grid for further details.
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Daily ATM Withdrawals |
Daily Purchases |
Classic Debit Card |
Rs. 1,00,000 |
Rs. 4,00,000 |
You can set limit for your IDFC FIRST Bank Debit Card by logging in to your net banking or through Mobile application.
How can I set up the limit for my IDFC FIRST Bank Visa Classic Debit Card?
We have compiled a step by step guide for your convenience. You can download the guide from here
What are the limit options for a classic debit card issued to a Minor’s Savings Account?
Special limits that you can apply to a classic Visa debit card issued to Minor’s Savings Account:
• Maximum daily cash withdrawal limit at ATM - ₹ 10,000
• Maximum daily purchase limit - ₹ 10,000
By default only domestic limits will be enabled for Signature Debit Cards issued to minors. Customers can set their own limits within the overall limits by logging on to Net banking or through Mobile application.
How do we set the limits for Minor savings’ account?
a. For minors who are above Ten years of age, they can set their limits by logging on to their Net banking or Mobile Banking account
b. For minors who are below Ten years of age, please reach out to your respective branch to get the changes done.
What are the charges on International transactions?
a. For any international eCom or POS transaction done using IDFC FIRST Bank Debit card, there will be a 2% markup charge applied.
Would there be any taxes applicable on my International transactions?
All LRS international transactions including withdrawals through ATM, POS or e-commerce transactions done on Foreign Merchants or sites which offer Dynamic Currency Conversion (DCC) transactions would be subjected to Tax collected at source at applicable rate defined by government of India. You can find the details here.
What is the per transaction limit on my ATM withdrawal?
An amount up to INR 10,000/transaction can be withdrawn using your Debit Card on non IDFC FIRST Bank ATMs. On IDFC FIRST Bank ATMs, you can withdraw up to 40 notes/transaction (final amount may depend upon the available denomination and your daily withdrawal limit)
Insurance Cover on Classic Debit Card
Avail exclusive insurance cover on debit card and liability waivers with your IDFC FIRST Bank Visa Classic Debit Card.
For more details given below
Insurance On Debit Card
What are the types of insurance on debit card I can avail?
Along with IDFC FIRST Bank Visa Classic Debit Card you get insurance on debit card like
• Lost card Liability
• Personal Accidental Insurance
• Air Accidental Insurance
• Purchase Protection
Here are the limits applicable:
| Card Variant | Personal Accident Insurance | Air Accident Insurance | Purchase Protection | Lost card Liability |
Visa Classic |
Rs. 5,00,000 | Rs. 30,00,000 |
Rs. 50,000 |
Rs. 4,00,000 |
Insurer details are given below:
Insurance Company details |
C/o Name: National Insurance Company Limited Address: Kolkata Division XVI 3A, Muzaffar Ahmed Street, Kolkata,- 700016 Landline: 033-22291118 Email: Mithun.gosh@nic.co.in |
Insurance Broker details |
C/o Name: Marsh India Insurance Brokers Private Ltd. Taaha Diwan- 9920868042 Ronny Rodrigues-7506076438 Address: 1201-02, Tower 2B, One World Centre, Jupiter Mills Compound, Senapati Bapat Marg, Prabhadevi Mumbai 400 013 |
Bank SPOC |
Official Name: Rajesh Kadam Address: Juinagar, Navi Mumbai Landline: 022 49850698 |
What is Lost Card Liability?
The holder of IDFC FIRST Bank Classic Visa Debit Card has no liability for unauthorized transactions on Debit Cards on receipt of notification from the card holder.
What is the benefit and eligibility criteria of Personal Card Insurance?
IDFC FIRST Bank provides free insurance on debit card (death or permanent disability).
Customers need to meet the below eligibility criteria for claiming the Personal Accident Insurance Cover, effective 1st May '19.
Account & Card Type |
Eligibility Criteria |
| All Savings Accounts with Visa Classic Debit Card |
Minimum 1 POS* transaction in each month, for previous 3 calendar months, immediately preceding the month of incident & value of each such transaction to be >= Rs. 500 in each of the 3 months.
Example: If the actual loss (Death / Permanent Total Disability of cardholder) is in the month of April, then there should be at least 1 POS transaction in each of the previous months of Jan, Feb & Mar and the value of each POS transaction in each of the 3 months has to be >/= Rs. 500. |
*POS includes retail point of sale transaction and online transactions done on or after 1st of April 2022 using IDFC FIRST Bank Debit card.
What are the Visa Classic debit card benefits and eligibility criteria for Personal Card Insurance?
At IDFC FIRST Bank we offer free insurance cover on debit card (death or permanent disability). To claim your insurance cover on debit card, customers need to meet the below eligibility criteria, effective since 1st May ’19.
Account & Card Type |
Eligibility Criteria |
All Savings Accounts with Visa Classic Debit Card
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Minimum 1 POS* transaction in each month, for previous 3 calendar months, immediately preceding the month of incident & value of each such transaction to be >= Rs. 500 in each of the 3 months.
Example: If the actual loss (Death / Permanent Total Disability of cardholder) is in the month of April, then there should be at least 1 POS transaction in each of the previous months of Jan, Feb & Mar and the value of each POS transaction in each of the 3 months has to be >/= Rs. 500. Additional to this, for Air Insurance the Flight ticket booked should be purchased by debiting Card holders IDFC FIRST Bank account. |
Corporate Salary Accounts with Visa Classic Debit Card |
*POS includes retail point of sale transaction and online transactions done on or after 1st of April 2022 using IDFC FIRST Bank Debit card.
Insurer details are given below:
Insurance Company details |
C/o Name: National Insurance Company Limited Address: Kolkata Division XVI 3A, Muzaffar Ahmed Street, Kolkata,- 700016 Landline: 033-22291118 Email: Mithun.gosh@nic.co.in |
Insurance Broker details |
C/o Name: Marsh India Insurance Brokers Private Ltd. Taaha Diwan- 9920868042 Ronny Rodrigues-7506076438 Address: 1201-02, Tower 2B, One World Centre, Jupiter Mills Compound, Senapati Bapat Marg, Prabhadevi Mumbai 400 013 |
Bank SPOC |
Official Name: Rajesh Kadam Address: Juinagar, Navi Mumbai Landline: 022 49850698 |
What are the Visa Classic debit card benefits for Air Accident Insurance?
Get free Air Accident Insurance cover with the IDFC FIRST Bank Visa Classic Debit Card. To redeem the Air Accident Insurance cover on debit card, customers need to meet the above mentioned eligibility, effective 1st May '19. Following terms & conditions will be applicable:
- In case customer holds multiple debit cards, claim will be extended on the highest eligible debit card (claim on any one debit card held by customer, subject to criteria being met)
- In case customer has multiple accounts with the bank linked to single debit card, the eligibility criteria need to be met on any 1 of the accounts held by the customer and not for a group/set of accounts
What are the features of Purchase Protection?
In case of fire/theft/burglary, the IDFC FIRST Bank Visa Classic Debit Card offers purchase protection for up to 90 days from the date of purchase for transactions carried out at merchant outlets/online using the card.
What are the terms and conditions I need to know?
• Gross negligence is not covered
• Breach of law is not covered
• Claim should be reported by card holder / Bank to IL within 30 days from the date of receipt of statement where in the disputed transaction is reflected
• Claim documents to be sent within 30 days from the date of blocking
• Reporting Period - 7 days pre-reporting to the Bank and 7 days post-reporting Cover
• IDFC FIRST Bank only handholds the customer through the insurance claim process. The decision to approve/reject a claim lies completely with the insurer. The terms and conditions of insurance policies attached to your IDFC FIRST Bank debit card are subject to change without prior notice.
Do go through Terms, Conditions & Exclusions mentioned here
Amazing Visa Card Offers
Enjoy a range of visa debit card benefits with your IDFC FIRST Bank Visa Classic Debit Card. Get visa card offers for:
• Travel & Leisure
• Health & Fitness
• Shopping & Lifestyle
• Restaurants & Hotel Accommodation
Card Services
Tokenisation:
- Card Tokenisation or Card on File Tokenisation (COFT) is one more step towards securing customer’s card details stored on merchant platforms (website or apps). As per regulator guidelines, merchants are instructed not to store details like card number, CVV & expiry date and should adopt for card tokenization. In case customer doesn’t opt for card Tokenisation, cardholder will be required to input details like card number, CVV and expiry date on every instance
Recurring transactions on Debit Card
- Standing Instructions or E-mandate on Debit Card is a service offered by Bank where customer can set up recurring payment for any bill payments and recurring subscription transactions like Netflix subscription etc. using their Debit Card at a pre-defined frequency (Bills such as insurance premiums, subscriptions, SIP, Utility bills etc.) from select merchant portals.
- Click here to check the list of key merchants for Standing Instructions on Debit Card
- For FAQ Click here
