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Best IDBI Bank Debit Cards 2024 - 2025

Updated on May 20, 2024 , 15562 views

Established in 1964, Industrial Development Bank of India (IDBI) provides financial support to many needy entities. Initially, the bank operated as a subsidiary of Reserve Bank of India and later RBI transferred it to Government of India (GOI). Many institutes of national importance like SIBI, NSDL and NSE have their roots in IDBI Bank.

IDBI Bank Debit Cards

IDBI bank debit cards are one of the best cards as it gives you hassle-free transactions process. They come in many variants, and therefore it becomes easy for individuals to choose as per their needs and requirements.

Types of IDBI Debit Cards

1. Signature Debit Card

Signature Debit Card is designed so that the customers will get many privileges across various segments like lifestyle, fine dining, travel, health and fitness.

  • Get one free airport lounge access across participating airports
  • You can buy movie tickets or book travel tickets with a Signature debit card
  • Get zero fuel surcharge
  • Avail access to Global Customer assistance service, anytime anywhere across the world for lost/stolen card, emergency card replacement/ cash disbursement, emergency and miscellaneous enquiries
  • The card also offers exclusive offers across various segments

Daily Withdrawal Limit and Insurance Cover

Get enhanced insurance cover with Signature Debit Card along with to high withdrawal and transaction limits.

Daily withdrawal and transaction limits areas follows:

Usage Limits
Cash withdrawal limit Rs. 3 lakh
Purchase limit at Point of Sale (POS) Rs. 5 lakh
Air accident insurance cover Rs. 25 lakhs
Personal Accident cover Rs. 5 Lakh
Loss of checked baggage Rs. 50,000
Purchase protection Rs.20,000 for 90 days
Fire and burglary for household contents Rs. 50,000

2. Platinum Debit Card

Get access to Visa’s vast network of ATMs and merchant portals.

  • Platinum Debit Card comes with a validity of 5 years
  • You can make purchases at over 5.50 lakh merchant portals in India
  • Get a zero fuel surcharge waiver on this card
  • Get 2 points for every Rs.100 spent on this card at the merchant establishment

Daily Withdrawal Limit and Insurance Cover

Get enhanced limit and insurance cover on this card. In order to claim insurance, there should be a minimum of 2 purchase transactions in the last 3 months.

Here's the cash withdrawal limit:

Usage Limits
Daily cash withdrawal Rs.1,00,000
Daily purchases worth Rs. 2,00,000
Personal accident cover Rs. 5 lakh
Loss of checked baggage Rs. 50,000
Purchase protection Rs. 20,000
Fire and burglary for household contents Rs. 50,000

3. Gold Debit Card

  • Receive instant SMS alerts on transaction made by Gold Debit Card
  • This card can be used online, for shopping, booking air/rail/movie tickets & utility bill payments
  • Petrol surcharge waiver for transactions with a value between Rs. 400 and Rs. 2,000 carried out on this card

Daily Withdrawal Limit and Insurance Cover

Get enhanced insurance cover with high withdrawal limits on IDBI Gold Debit Card.

Here is the cash withdrawal limit:

Usage Limits
Daily cash withdrawal Rs.75,000
Daily purchases worth Rs. 75,000
Personal accident cover Rs. 5 lakh
Loss of checked baggage Rs. 50,000
Purchase protection Rs. 20,000
Fire and burglary for household contents Rs. 50,000

4. Classic Debit Card

The classic debit card can be used across 30mn merchant establishments and ATM’s in India and abroad. Another important feature of this card is that it can be used in India as well as abroad.

  • Classic debit card allows you to do online shopping, booking air/rail/movie tickets & pay utility bills
  • Receive instant SMS alerts on every transaction made
  • Get 1 point for every Rs. 100 spent

Daily Withdrawal Limit

The cash withdrawal limit per day /per card are subject to the available balance in the customer’s account.

Cash withdrawal limit are as follows:

Usage Limits
Daily cash withdrawal Rs.25,000
Daily purchases worth Rs. 25,000

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5. Women’s Debit Card

This card comes with many features and exclusive offers suited for today’s woman.

  • IDBI Women’s debit card gives free usage over shared network ATMs in India
  • You can use this debit card for shopping, booking rail & air tickets, paying utility bills online verified by Visa
  • Earn 1 reward point on every Rs. 100 spent on this card
  • Customers can get an insurance cover up to Rs. 1 lac for lost and counterfeit cards
  • Avail detailed account statement for all your transactions at merchant establishments

Daily Withdrawal Limit

IDBI bank understands the daily needs and requirements of women and so daily cash withdrawal limits are designed accordingly.

Daily Cash withdrawal limit table is as follows:

Usage Limits
Daily cash withdrawal Rs. 40,000
Daily purchases at Point of Sale (POS) Rs. 40,000

6. Being Me Debit Card

This debit card is designed specifically for youth in the age group of 18-25. This card aims at the first time working professionals and students pursuing professional courses.

  • The Me Being Debit card has a validity of 5 years
  • This debit card can now be used for shopping, booking rail, air tickets and paying utility bills online
  • A surcharge of 2.5% of the transaction value will be levied if the card is used at petrol pumps and railways
  • Gain 2 points on every Rs. 100 spent on this card

Daily Withdrawal Limit

Being Me Debit Card can be used at any merchant establishments and ATMs for your convenience.

Daily cash withdrawal limit is as follows:

Usage Limits
Daily cash withdrawal Rs. 25,000
Daily purchases at Point of Sale (POS) Rs. 25,000

7. Kids Debit Card

Kids debit card can be used to make purchases at over 5 lacs merchant portals in India. This card is valid only in India and for 5 years from the date of issue.

  • You can use this card at the shared ATM network in India along with a large network of IDBI ATMs
  • Customers get insurance cover up to Rs. 8000 for lost and counterfeit cards
  • Earn 1 point of every Rs. 100 spent on this card at merchant establishments

Daily Withdrawal Limit

Kids debit card is designed to teach budgeting and money handling techniques in kids.

The daily cash withdrawals are also designed in the same manner:

Usage Limits
Daily cash withdrawal Rs.2,000
Daily purchases worth Rs. 2,000

8. RuPay Platinum Chip Debit Card

IDBI has specially designed this debit card in association with NPCI.

  • Get 2 free visits per calendar quarter at participating airport lounges
  • RuPay Platinum debit card can be used for shopping, booking rail & air tickets, paying utility bill online
  • Earn 2 points for every Rs. 100 purchase
  • Get zero surcharge on fuel on this card

Daily Withdrawal Limit and Insurance Cover

This card offers a high cash withdrawal limit.

Following are the withdrawal limit and insurance cover offered by RuPay Platinum Chip Debit Card:

Usage Limits
Daily cash withdrawal Rs. 1,00,000
Daily purchases at Point of Sale (POS) Rs.1,00,000
Personal accident cover( Death only) Rs. 5 lakh
Loss of checked baggage Rs. 50,000
Purchase Protection Rs. 20,000 for 90 days
Permanent Disability Cover Rs. 2,00,000
Fire and Burglary for Household Contents Rs. 50,000

How to Block and Unblock IDBI Debit Card?

The easiest way is to simply contact IDBI’s toll-free numbers: 1800-209-4324, 1800-22-1070, 1800-22-6999

Alternatively, you can block your debit card via SMS:

SMS BLOCK < Customer ID > < Card Number > to 5676777

Eg: SMS BLOCK 12345678 4587771234567890 to 5676777

If you don’t remember your card number then, you can SMS:

SMS BLOCK < Customer ID > to 5676777

Eg: SMS BLOCK 12345678 to 5676777

Customers outside India can contact: +91-22-67719100

You can also make use of the internet banking Facility and block the card in the following steps:

  • Log in to the internet banking by using user id and password
  • Go to profile > manage bank card
  • Make the request to block the card

If nothing works, then the best way is to visit the bank branch.

How to Generate IDBI ATM PIN?

IDBI Bank GREEN PIN is a paperless solution that helps the debit cardholders to securely generate their debit card PIN in electronic form. The bank allows its customers to generate ATM PIN in the following ways:

Through ATM centre

  • Insert your debit card at IDBI Bank ATM
  • Select the language and then click on the ‘Generate ATM PIN’ option
  • Click on ‘Generate OTP’ option to receive OTP & request ID on your registered mobile number
  • Reinsert your debit card and again click on ‘Generate ATM PIN’
  • Click on ‘Validate OTP’ and enter the OTP & Request ID that you received on your registered mobile number
  • After successful validation, you will be able to create a new PIN of your choice
  • A new PIN will be generated instantly

ATM PIN Generation through IVR

  • Dial the phone banking numbers of IDBI Bank: 18002094324 or 18002001947 or 022-67719100
  • Select ‘Generate ATM PIN’ from the main menu of IVR. Enter customer id and debit card number for which you want to generate a PIN
  • Validate the OTP sent to your registered mobile number and create a new PIN

Please note that after the generation of the new PIN, the card will be activated by using it at any ATM/POS machine

Through Internet Banking

  • Log in to your IDBI Bank net banking portal
  • In the home page, you will find ‘Cards’ tab, select ‘Instant Debit Card PIN Generation’ option
  • Select the card and confirm details to receive OTP
  • Enter the OTP details sent to your registered mobile number
  • Create a new PIN of your choice
  • The PIN will be generated instantly

PIN Generation Through SMS

  • Type GREEN PIN < space > <Last 6 digits of your debit card> in the textbox and send it to +91 9820346920. Alternatively, you can send the same text to +919821043718
  • You will get an OTP & a request ID on your registered mobile number, which will remain valid for only 30 minutes
  • Visit a nearby IDBI Bank ATM, insert your debit card in the machine and click on ‘Generate ATM PIN’
  • Enter the OTP & the request ID received on your registered mobile number and validate the details
  • After the successful validation, you can create a new PIN

PIN Generation through Missed Call

  • Call on toll-free number 18008431144
  • Within 5 seconds, the call will get disconnected after the recorded voice is played.
  • You will get an OTP & a request ID on your registered mobile number
  • After this, visit any IDBI Bank ATM, insert your debit card and click on ‘Generate ATM PIN’
  • Validate the process by entering your OTP details
  • Create a New PIN after confirming the OTP details
  • Instantly generate a new PIN

IDBI Customer care

For any doubts or queries, contact the following customer care number-

  • 1800-22-1070
  • 1800-209-4324

Alternatively, you can write to the bank on the following email id: customercare[@]idbi.co.in.

Disclaimer:
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.
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