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  • Happy Teachers' Day! Thank you for teaching us the value of Savings

  • Home Loans, now at 6.90% p.a.

    Unlimited benefits with a start-to-finish digital process with IDFC First Bank Home Loans

    Home Loan
  • Activate your Credit Card within minutes and enjoy unlimited benefits

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

    The only FASTag with triple benefits

Enhanced ATM and POS Withdrawal Limits

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

Limits on RuPay Platinum Debit card

What are the different limit options I can set for my RuPay Platinum Debit Card?

With the IDFC RuPay Platinum Debit Card, you get to set limits for cash withdrawal as well as purchase. Depending on your Platinum debit card variantyou have maximum limit set.

Refer to the below table for more details.



Daily ATM Withdrawals

Daily Purchases

RuPay Platinum

Rs. 50,000

Rs. 1,00,000


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 RuPay Platinum Debit Card?

We have made a quick guide for your reference. You can download the guide from here

Complimentary Lounge Access

Get access to exclusive entertainment and lounge experience while you wait to on-board with airport lounge access debit cards. With IDFC FIRST Bank RuPay Platinum Debit Card, you can step into any of our partner lounges up to 2 times per calendar quarter, at a nominal fee of Rs. 2 per access. A participating bank may choose not to offer this service to their cardholder. Ensure to present your IDFC FIRST Bank airport lounge access debit cards at the entry point. Learn more in the link below:

Personal Accidental Insurance on RuPay Platinum Debit Card

Avail free insurance cover on debit card with your IDFC FIRST Bank RuPay Platinum Debit Card (death or permanent disability). You will also have no liability for unauthorised transactions on your card. Get more details in the link below: 

Insurance Coverage Available

What are the Insurance coverage offered on Debit card usage?

Card Variant

Personal Accident Insurance

Lost Card Liability

RuPay Platinum Debit card

Rs. 2,00,000

Rs. 2,00,000

What does Lost card Liability offer?

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

Please click to Know more

What are the RuPay Platinum debit card benefits and eligibility criteria for Personal Card Insurance?

Card Type

Sum Assured

Eligible Customers

Age Criteria

RuPay Platinum Debit Card

Rs 2,00,000

One successful RuPay Platinum Card induced financial transaction at any POS/E-Com of same Bank or any other Bank 

Cardholder to perform one successful transaction 45 days prior to date of accident

Open to all cardholders and subject to fulfillment of T&C


•  All RuPay Offers & benefits can be claimed on only one RuPay card per customer and not on multiple cards, if held by him/her

•  Claim form to be submitted to IDFC FIRST Bank with required documents and following terms & conditions

Where can I get the claim form to avail the insurance cover on debit card?

You can download the claim from here.

Where can I download bank declaration form for my insurance on debit card?

The bank declaration can be found here.

What are the terms and conditions for IDFC FIRST Bank RuPay platinum debit card insurance scheme?

Refer to all the terms and conditions required for IDFC FIRST Bank RuPay platinum debit card insurance here.

More FAQs

Dining and Other Amazing Offers

 Relish your favourite cuisines with rupay platinum debit card offers on popular online food ordering platforms. Get exciting discounts with your IDFC FIRST Bank RuPay Platinum Debit Card. Explore all the offers in the link below:

Click here to view our details terms and conditions.

Offers from RuPay

Receive exclusive RuPay Platinum Debit Card benefits like discounts and offers with your IDFC FIRST Bank RuPay Platinum Debit Card. Explore them in the link below:


Concierge Service

Enjoy special concierge service as an IDFC FIRST Bank RuPay Platinum Debit Card holder. Available 24/7, this service can be availed by calling our toll-free number – 1800-26-RUPAY (78729). Find out more about our services below: 

•  Only a facilitating service is provided to the cardholder and does not advocate the service provider or services from its merchants/vendors.

•  IDFC FIRST Bank RuPay Platinum Debit Card concierge service can be availed in English or Hindi by calling the toll-free number – 1800-26-RUPAY (78729).

•  Most of the services are chargeable, and the service provider shall communicate costs at the time of placing the request. The cardholder needs to bear the cost of the service, and any other cost incurred to mobilise or facilitate the service.

• The cardholder can use the above services multiple times.

• Other services the cardholder can avail:

  • Investment Consultancy – Real Estate, Mutual Funds, Equity, Debts, F&O’s
  • Insurance Consultancy – Life Insurance, General Insurance, Health Insurance 

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