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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

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.

 

Daily ATM Withdrawals

Daily Purchases

Classic Debit Card[T1]

Rs. 50,000

Rs. 1,50,000

 

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.

More FAQs

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 Accident Insurance

 

Here are the limits applicable:

Card Variant

Personal Accident Insurance

Lost Card Liability

Visa Classic

Rs. 2,00,000

Rs. 50,000

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 2021 using IDFC FIRST Bank Debit 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 

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