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Enhanced ATM and POS withdrawal limit with special limits for Minor account

Keep the spends in check with a pre-set limit on the IDFC FIRST Bank Visa Signature Debit Card issued to a Minor’s Savings Account. Get notified when spends exceed the limit. Learn more details in the below: 

Special limits

Limits On Signature Card

What are the different limit options I can set for my Visa Signature Debit Card?

With the IDFC Visa Signature Debit Card, you get to set limits for cash withdrawal as well as purchase. Depending on your signature debit card variant, you have maximum limit set.

Refer to the below table for more details.

 

 

Daily ATM Withdrawals

Daily Purchases

Visa Signature

Rs. 2,00,000

Rs. 6,00,000

 

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 Signature Debit Card?

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

Are there any limit options for a signature debit card issued to a Minor savings’ account?

Yes! The special limits you can apply to a Visa signature debit card issued to Minor savings' account are:

  • 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

Card Activation Offer

A signature debit card that comes with a cashback offer you cannot refuse. Spend Rs. 1000 on your first IDFC FIRST Bank Visa Signature Debit Card transaction and we’ll give back 10% cashback, up to a maximum of Rs. 250.  Please refer to the Terms & Conditions below for more details.

Exclusive cashback

IDFC VISA Signature BookmyShow Offer

Avail cashback up to INR 250 on your VISA Signature Debit Cards. Click below for more details

IDFC FIRST Bank Offers

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 up to 2 times 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 Signature Debit Card.

Privileges of lounge access debit card –

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

  1. Maximum of 2 complimentary access for IDFC FIRST Bank Visa Signature & IDFC FIRST Bank Visa Business Signature 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 –

       I.          Choice of hot and cold snacks from buffet

      II.          Tea / coffee

    III.          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?

We are affiliated with 25+ domestic and international airports. You can find the list of airports here.

Please note: Your card will be charged a nominal amount of Rs. 2 for each entry at airport lounge.

Insurance Cover on Signature Debit Card

Get free insurance coverage (death or permanent disability) with your IDFC FIRST Bank Visa Signature Debit Card. We even limit the liability of the cardholder for unauthorised purchases.  Learn more details in the below:

Insurance

Insurance On Debit Card

What are the types of insurance benefits available?


Everyone with IDFC FIRST Bank Visa Signature Debit Card 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 Signature Debit Card

Rs. 35,00,000

Rs. 1,00,00,000

Rs. 1,00,000

Rs. 6,00,000

 

What does Lost Card Liability offer?

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

What are the Visa Signature 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 Signature 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.

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 Signature Debit Card

 

*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 Visa Signature debit card benefits for Air Accident Insurance?

Get free Air Accident Insurance cover with the IDFC FIRST Bank Visa Signature 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 Signature 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

What are the Insurance offerings on the Debit Cards for Honour FIRST Defence Accounts?

For insurance features, please click hereFor Terms & Conditions, please refer to the following link. For Claim intimation and submission process, refer to the following linkThe aforementioned links are exclusive to Debit Cards for Honour FIRST Defence Accounts.

More FAQs

Fuel Surcharge Waiver

With your IDFC FIRST Bank Visa Signature Debit Card, you can skip the 2.5% fuel surcharge on your fuel bills across petrol pumps in India.

Fuel

Dining and Other Amazing Offers

Pamper yourself with exclusive offers on your signature debit card. Avail great discounts on – food & beverages, spa & gym subscriptions, pharmacies, etc. Find the list of discounts in the link below: 

Dining offer

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