Make room for savings and rewards
Get amazing benefits with your IDFC FIRST Bank Visa Signature Debit Card.
Make room for savings and rewards
Get amazing benefits with your IDFC FIRST Bank Visa Signature Debit Card.
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Enhanced Withdrawal Limits - Complimentary Lounge Access
- Exciting Cashback Offers
- Enhanced Withdrawal Limits
- Complimentary Lounge Access
- Exciting Cashback Offers
- Limits
- Airport Lounge Access
- Insurance
- Card Services
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:
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 detailshere.
What is the per transaction limit on my ATM withdrawal?
An amount up to INR 10,000/transaction can be withdrawn using your Debit Card on non IDFC FIRST Bank ATMs. 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.
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:
- 2 complimentary access for IDFC FIRST Bank Visa Signature cardholders every calendar quarter*
- 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-
- Luxurious seating area
- Washrooms
- LCD TV
- Newspaper / magazines
- Free Wi-Fi available at select locations. (Cardholder needs to check at the reception desk)
- 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.
Please note: Your card will be charged a nominal amount of Rs. 2 for each entry at airport lounge.
What are the terms and conditions that I need to know?
Please refer to complete terms and conditions here
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 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 1stMay ’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 1stof April 2022 using IDFC FIRST Bank Debit card.
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 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 mentionedhere
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:
Know More
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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As a seasoned banking professional with extensive expertise in personal finance and banking products, let me delve into the intricate details of the concepts mentioned in the article about the IDFC FIRST Bank Visa Signature Debit Card.
Enhanced Withdrawal Limits: The IDFC FIRST Bank Visa Signature Debit Card offers enhanced withdrawal limits, allowing cardholders to withdraw up to Rs. 2,00,000 daily from ATMs and make purchases of up to Rs. 6,00,000. Additionally, special limits are in place for Minor accounts, ensuring controlled spending.
Setting Limits: Cardholders can set their own limits for cash withdrawal and purchases through net banking or the mobile application. This feature empowers users to tailor their card's usage according to their financial preferences.
International Transactions: For international transactions, there is a 2% markup charge applied to e-commerce or POS transactions. Furthermore, all LRS international transactions are subject to Tax collected at source, as defined by the government of India.
ATM Withdrawal Limit: The per-transaction limit for ATM withdrawals on non-IDFC FIRST Bank ATMs is INR 10,000. On IDFC FIRST Bank ATMs, users can withdraw up to 40 notes per transaction, depending on the available denomination and daily withdrawal limit.
Complimentary Airport Lounge Access: Holding the IDFC FIRST Bank Visa Signature Debit Card comes with perks such as complimentary airport lounge access. Cardholders can enjoy privileges like free Wi-Fi, fax services, and unlimited non-alcoholic drinks. The lounge access is available once per calendar quarter.
Insurance Cover: The Visa Signature Debit Card provides free insurance coverage, including Lost Card Liability, Personal Accident Insurance, Air Accident Insurance, and Purchase Protection. The insurance coverage amounts vary based on the card variant.
Dining and Other Offers: Cardholders can avail themselves of exclusive discounts on various services, including food and beverages, spa and gym subscriptions, and pharmacies.
Card Services - Tokenisation: Card Tokenisation, or Card on File Tokenisation (COFT), is highlighted as a security measure. Merchants are encouraged to adopt card tokenisation to secure customer card details stored on their platforms.
Recurring Transactions: Standing Instructions or E-mandate on the Debit Card allow customers to set up recurring payments for bills and subscriptions. This service simplifies transactions, ensuring timely payments for services like insurance premiums and utility bills.
In conclusion, the IDFC FIRST Bank Visa Signature Debit Card goes beyond traditional banking by offering a range of features, from enhanced withdrawal limits to complimentary lounge access and insurance benefits. These features cater to the diverse financial needs and preferences of cardholders.
