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Notifications

  • 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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  • One FASTag, three payments:Toll, fuel and parking

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Enhanced ATM and POS Withdrawal Limits

Enjoy higher limits with the convenience of setting limits of own choice via net/mobile banking

Special limits

Setup Limits Easily

What are the different limit options available for me?

With the IDFC FIRST Bank Visa Platinum Business 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 Platinum debit card variant, do check the below grid for further details.

 

 

Daily ATM Withdrawals

Daily Purchases

Platinum Debit Card

Rs. 1,00,000

Rs. 2,00,000

 

You can set limit for your IDFC FIRST Bank Debit Card by logging in to your net banking or through Mobile application.

What are the steps to set up the limit for my IDFC Visa Platinum Business Debit Card?

We have collated an easy guide for your reference. You can download the guide from here

What are the charges on International transactions?

A 2% markup is applicable on the ATM, POS and E-Com transactions. Additionally, there may be a convenience fee or facilitation charge which can be levied by the acquiring ATM on Cash Withdrawals.

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 (TCS applicability for Sole Proprietor or individual Current Account). You can find the details here.

What is the per transaction limit on my ATM withdrawal?

Any amount can be withdrawn using your Debit Card, whereas on non IDFC FIRST Bank ATMs  it can be withdrawn for upto 20 count of transaction in a day within the per day transaction limit. 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)

More FAQs

Complimentary Airport Lounge Access

Perks of holding a lounge access Debit Card is the premium experience it offers. With our free airport lounge access Debit Cards, you can step into any of our partner lounges once per calendar quarter. You can even bring more guests at an additional cost. Services in your free lounge access Debit Card include – fax, internet and Wi-Fi services, available at the discretion of each lounge operator.

Free Airport Lounge Acess

Perks of Airport Lounge Access

What are the special privileges airport lounge access debit cards?

Upgrade your travel experience with complimentary access to Airport Lounges in India with your IDFC FIRST Bank Visa Platinum Business Debit Card.

Privileges of lounge access debit card –

Upon presentation of the Visa Platinum Business Debit Card and boarding pass, cardholders can enjoy the following privileges:

  1. 1 complimentary access for IDFC FIRST Bank Visa Platinum cardholders every calendar quarter*
  2. Paid access: In addition to the complimentary access -cardholders are also entitled to unrestricted (chargeable) access for himself/herself and for his/her accompanying guests

What are the various food and beverage benefits I can avail?

You can unwind at the airport lounge and indulge in F&B privileges –

  1. Choice of hot and cold snacks from buffet
  2. Tea / coffee
  3. Unlimited non-alcoholic drinks

Please note that additional charge may occur for meal/food/drink items not mentioned in the F&B privileges above as well as for services like Nap, Massage Services, and Spa.

What more privileges I can access at the airport lounge?

There’s always more! Take a moment to relax in luxury and enjoy more privileges that includes-

  1. Luxurious seating area
  2. Washrooms
  3. LCD TV
  4. Newspaper / magazines
  5. Free Wi-Fi available at select locations. (Cardholder needs to check at the reception desk)
  6. Fax, Shower, Internet, and Wi-Fi charges (where applicable) are at the discretion of each lounge operator and the cardholder is responsible for paying these direct to the lounge staff. 

Participating Airport Lounges may reserve the right to enforce a maximum stay policy (usually 2 or 3 hours) to prevent overcrowding. This is at the discretion of the individual lounge operator who may impose a charge for extended hours.

Which airports offer the lounge benefits?

Click here to find the list of domestic airports that we are affiliated with.

What are the terms and conditions that I need to know?

Please refer to complete terms and conditions here.

Insurance Cover on Platinum Debit Card

Get the best of health and financial security with ease! IDFC FIRST Bank offers free insurance on debit card and no liability for unauthorised spends on your card. More information give below

Insurance

What are the types of insurance benefits available?

Every IDFC FIRST Bank Visa Platinum Business Debit Card holder gets –

  • Lost Card Liability
  • Personal Accident Insurance
  • Air Accident Insurance
  • Purchase Protection

 Here are the limits applicable:

Card Variant

Personal Accident Insurance

Air Accident Insurance

Purchase Protection

Lost Card Liability

Visa Platinum Business Debit Card

Rs. 35,00,000

Rs. 1,00,00,000

Rs. 1,00,000

Rs. 6,00,000

 

What are the benefits of Lost Card Liability?

With IDFC FIRST Bank Platinum Business Debit Card you have no liability for unauthorized transactions on Debit Cards on receipt of notification from the card holder. 

Eligibility Criteria :

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.

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

Email: ronny.rodrigues@marsh.com       Taaha.diwan@marsh.com

Bank SPOC

Official Name: Rajesh Kadam

Address: Juinagar, Navi Mumbai

Landline: 022 49850698

What are the Visa Platinum Business debit card benefits for Air Accident Insurance?

Get free Air Accident Insurance cover with the IDFC FIRST Bank Visa Platinum Business 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 Platinum Business 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 cardholder / 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

IDFC FIRST Bank Debit Card Offers

Avail from a range of tempting offers which you receive with your IDFC FIRST Bank Visa Platinum Business Debit Card. Take a look at all the deals available on:

  • • Business Essentials
  • • Web Hosting Services
  • • Logistics
  • • Hospitality
  • • Travel

Dining offer

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

Know more

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

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