IDBI Bank international debit cards are the best debit cards to use abroad. They offer convenience, security, and worldwide acceptance. Frequent travellers, international students, and business travellers get access to hassle-free banking abroad with these cards. They are reliable for online shopping on global platforms and offer safe international transactions. Let’s explore the features, benefits, charges, transaction limits, and more in this blog on IDBI Bank international debit cards.
Table of contents
- IDBI Bank International Debit Cards
- Benefits of IDBI Bank International Debit Cards
- Types of IDBI Bank International Debit Cards
- IDBI Bank International Debit Cards Transaction Limit
- IDBI Bank International Debit Cards Charges
- IDBI Bank Debit Cards with Lounge Access
- How to Apply for IDBI International Debit Cards?
- How to Generate IDBI Debit Card PIN
- FAQs
IDBI Bank International Debit Cards
IDBI Bank offers a range of international debit cards designed to cater to the diverse needs of its customers. These cards provide the convenience of accessing funds abroad. They come with a host of features that enhance security and usability.
These cards let you access over 3,700 IDBI Bank ATMs and 50+ e-lounges in India, plus 2 lakh shared network ATMs domestically and 1.85 million internationally. You can make everyday purchases at various locations like jewellery stores, apparel shops, petrol pumps, restaurants, etc. However, debit card foreign transaction fees are applicable.
Besides, you can use your card to shop on mobile wallets and e-commerce sites, book air/rail tickets, and pay utility bills. You can tap or wave your card at contactless PoS terminals for quick payments up to INR 5,000 without entering a PIN. Choose your card’s usage through the Abhay App, Internet Banking, Mobile Banking, or at your branch.
Check out the features below-
- These cards are globally accepted.
- They offer global customer assistance services, providing support for lost or stolen cards and other inquiries anytime, anywhere.
- Loyalty rewards, discounts, and offers can be redeemed on these cards.
- Additional insurance offers peace of mind.
- All online domestic and international transactions are secure.
Also Read: Know all about IDBI Student Account. Explore the features and benefits of opening the same in this blog.
Benefits of IDBI Bank International Debit Cards
IDBI Bank international debit cards offer a range of benefits designed to enhance the banking experience for users, especially those who travel frequently or engage in international transactions. Here are the key benefits of these cards-
- The card offers international validity, allowing users to access over 1.8 million ATMs and more than 29 million merchant establishments worldwide.
- The cards support contactless transactions, allowing users to make quick payments without entering a PIN for purchases up to INR 5,000.
- The card provides additional insurance that includes personal accident coverage, lost checked baggage protection, and more.
- You can earn loyalty points for minimum spending, which can be redeemed for various rewards and offers.
- You can find appropriate options for Debit Cards for Students Under 18.
- Transactions are secured with Verified by Visa, ensuring safe online shopping experiences for flights, train tickets, and utility bill payments.
Types of IDBI Bank International Debit Cards
IDBI Bank offers a diverse range of 18 debit cards. Among these, VISA Signature PayWave Debit Card, VISA Platinum PayWave Debit Card, VISA Gold Debit Card, RuPay Platinum Debit Card and RuPay Classic Debit Card are popular ones.
It’s important to note that not all IDBI debit cards can be used internationally; some are limited to domestic usage only. The cards that offer international validity come in VISA and Mastercard variants, allowing users to make purchases and withdraw cash abroad. Students can consider applying for an IDBI Bank Forex Card for personalised features and hassle-free transactions abroad.
| Types of IDBI International Debit Cards | Features and Benefits |
| VISA Signature PayWave Debit Card | – 3 loyalty points for every INR 100 spent at merchant locations – Free visits to participating domestic lounges – Contactless payments up to INR 5,000 – Air accident insurance cover up to INR 25 lakhs |
| VISA Platinum PayWave Debit Card | – 2 loyalty points for every INR 100 spent at merchant establishments – Airport lounge access offered – Enhanced insurance covered up to INR 5 lakhs |
| International VISA Gold Debit Card | – 1 loyalty point for every INR 100 spent on the Debit Card – Insurance cover for lost and counterfeit cards up to INR 2 lakhs – Receive instant SMS alerts on transactions made via this card |
| Mastercard Gold Debit Card | – 1 loyalty point for every INR 100 spent on the Debit Card – Insurance cover for lost and counterfeit cards up to INR 2 lakhs – Receive instant SMS alerts on transactions made via this card |
| VISA Classic PayWave Debit Card | – Contactless payments enabled up to INR 5,000 – Time-to-time discounts available on payments made via this card – Insurance covers up to INR 1 lakhs for lost and counterfeit cards are offered – 1 loyalty point for every INR 100 spent on the Debit Card |
| Mastercard Classic Debit Card | – 1 loyalty point for every INR 100 spent on the Debit Card – Exclusive discounts and offers – Card can be used online, for shopping, booking air/rail/movie tickets & utility bill payments – Receive instant SMS alerts – Insurance covers up to INR 1 lakh for lost and counterfeit cards are offered |
| VISA Women’s PayWave Debit Card | – 1 loyalty point for every INR 100 spent on the Debit Card – Exclusive discounts and offers – Receive instant SMS alerts – Insurance covers up to INR 1 lakh for lost and counterfeit cards are offered |
| VISA Being Me PayWave Debit Card | – 1 loyalty point for every INR 100 spent on the Debit Card – Contactless payments enabled up to INR 5,000 – Exclusive discounts and offers – Insurance covers up to INR 1 lakhs for lost and counterfeit cards are offered |
| RuPay Classic NCMC Card | – Contactless payments enabled up to INR 5,000 – NCMC Cards will support small-value offline transactions till INR 200 – Card can be used both in India and abroad to withdraw money and make purchases – Exclusive discounts available – 1 loyalty point for every INR 100 spent on the Debit Card |
| RuPay Classic Debit Card | – 1 loyalty point for every INR 100 spent on the Debit Card – The card can be used both in India and abroad to withdraw money and make purchases – Exclusive discounts available |
IDBI Bank International Debit Cards Transaction Limit
IDBI Bank provides a variety of international debit cards, each with specific transaction limits. These limits dictate how much cardholders can spend at point-of-sale (POS) locations and withdraw from ATMs daily. Check out the transaction limits on IDBI Bank international debit cards.
| IDBI International Debit Cards | Purchase Limit at Point-of-Sale (POS) per day | ATM Cash Withdrawal Limit per day |
| VISA Signature PayWave Debit Card | INR 5 lakhs | INR 3 lakhs |
| VISA Platinum PayWaveDebit Card | INR 2 lakhs | INR 1 lakh |
| International VISA Gold Debit Card | INR 75,000 | INR 75,000 |
| Mastercard Gold Debit Card | INR 75,000 | INR 75,000 |
| VISA Classic PayWave Debit Card | INR 50,000 | INR 25,000 |
| Mastercard Classic Debit Card | INR 25,000 | INR 25,000 |
| VISA Women’s PayWave Debit Card | INR 40,000 | INR 40,000 |
| VISA Being Me PayWave Debit Card | INR 25,000 | INR 25,000 |
| RuPay Classic NCMC Card | INR 50,000 | INR 25,000 |
| RuPay Classic Debit Card | INR 25,000 | INR 25,000 |
Also Read: Taken a loan for higher studies? Know all about the IDBI education loan repayment plan and explore the best plan for you.
IDBI Bank International Debit Cards Charges
IDBI Bank’s international debit card incurs a 3.5% cross-currency markup for transactions made at ATMs and POS locations abroad. This fee is applied in addition to the applicable cross-currency conversion rate.
Other than this, these cards come with various charges associated with their issuance and annual maintenance. Additional charges apply for add-on cards and replacements, generally around INR 220 to INR 700 plus taxes depending on the card type.
Check out the charges on IDBI Bank international debit cards.
| IDBI International Debit Cards | Issuance Fees | Annual Charges | Add-on Card Charges | Replacement Charges |
| VISA Signature PayWave Debit Card | INR 150 + taxes | INR 799 + taxes | INR 799 + taxes | INR 799 + taxes |
| VISA Platinum PayWaveDebit Card | INR 150 + taxes | INR 499 + taxes | INR 499 + taxes | INR 499 + taxes |
| International VISA Gold Debit Card | INR 150 + taxes | INR 300 + taxes | INR 300 + taxes | INR 300 + taxes |
| Mastercard Gold Debit Card | INR 150 + taxes | INR 300 + taxes | INR 300 + taxes | INR 300 + taxes |
| VISA Classic PayWave Debit Card | INR 150 + taxes | INR 220 + taxes | INR 220 + taxes | INR 220 + taxes |
| Mastercard Classic Debit Card | INR 150 + taxes | INR 220 + taxes | INR 220 + taxes | INR 220 + taxes |
| VISA Women’s PayWave Debit Card | INR 150 + taxes | INR 220 + taxes | INR 220 + taxes | INR 220 + taxes |
| VISA Being Me PayWave Debit Card | INR 150 + taxes | INR 220 + taxes | INR 220 + taxes | INR 220 + taxes |
| RuPay Classic NCMC Card | INR 150 + taxes | INR 220 + taxes | INR 220 + taxes | INR 220 + taxes |
| RuPay Classic Debit Card | INR 150 + taxes | INR 220 + taxes | INR 220 + taxes | INR 220 + taxes |
IDBI Bank Debit Cards with Lounge Access
IDBI Bank offers a selection of debit cards that provide exclusive airport lounge access at participating airport lounges. This enhances the overall travel experience and allows you to relax before your flights. You can enjoy refreshments and access various amenities before embarking on your journeys. Here’s the list of IDBI Bank debit cards with lounge access-
| Types of IDBI International Debit Cards | Details |
| VISA Signature PayWave Debit Card | 4 Free visits per calendar quarter at participating Airport lounges in India. |
| VISA Platinum PayWave Debit Card | 2 Free visits per calendar quarter at participating Airport lounges in India. |
| RuPay Platinum Debit Card | 2 free visits per calendar quarter at participating Airport Lounges. |
| RuPay Platinum NCMC Card | 2 free visits per calendar quarter at participating Airport Lounges. |
| RuPay Women’s Debit Card | 2 free visits per calendar quarter at participating Airport Lounges. |
How to Apply for IDBI International Debit Cards?
Applying for an IDBI Bank international debit card is a straightforward process that can be
completed through various channels. Here’s how you can apply:
Visit a Branch
- Step 1: Go to your nearest IDBI Bank branch.
- Step 2: Fill out the application form for the international debit card.
- Step 3: Submit the required documents, which may include:
– A copy of your passport
– Air ticket Visa
– Visa
– PAN card - Step 4: You can collect your debit card immediately over the counter.
Call Phone Banking
- Step 1: Dial IDBI Bank’s toll-free number at 1800-22-1070 or 1800-209-4324.
- Step 2: Provide the necessary details to the representative, who will assist you in processing your request.
Contact Customer Service
Reach out to IDBI Bank’s customer service team to express your interest in applying for a debit card. They will guide you through the application process.
Also Read: Apply for education loan from IDBI Bank. Know the IDBI Education Loan Status and check if the loan has been approved or in process.
How to Generate IDBI Debit Card PIN
IDBI Bank offers a convenient and paperless solution for generating your Debit Card PIN through the Green PIN initiative. This allows cardholders to securely create their Debit-cum-ATM PIN using various methods without the need to visit a branch or wait for a PIN mailer. Below are the methods available for generating your IDBI Debit Card PIN:
Via IDBI Bank ATM
- Insert your Debit Card at an IDBI Bank ATM.
- Select your preferred language and choose the ‘Generate ATM PIN’ option.
- Click on ‘Generate OTP’ to receive an OTP and request ID on your registered mobile number.
- Reinsert your Debit Card and select ‘Generate ATM PIN’ again.
- Choose ‘Validate OTP,’ then enter the OTP and Request ID received on your mobile.
- After successful validation, you will be prompted to create a new PIN of your choice.
Through IVR
- Dial IDBI Bank Phone Banking numbers: 18002094324 or 1800-22-1070 (for overseas customers, dial 022-67719100).
- Follow the IVR instructions to select the option for generating an ATM PIN.
- Enter your Customer ID and Debit Card number.
- Validate the OTP sent to your registered mobile number and create a new PIN.
Via Internet Banking
- Log in to IDBI Bank Internet Banking.
- Navigate to ‘Menu > Cards > Debit Card Services > Pin Generation.’
- Select your Debit Card number, specify the reason for PIN regeneration, and click ‘Submit.’
- Enter a new PIN (the last set PIN is not allowed), confirm it, and enter the OTP sent to your registered mobile number.
- Click ‘Submit’ to complete the process.
Via SMS
- Send an SMS in the format ‘GREENPIN [Last 6 digits of your Debit Card]’ to either 9820346920 or 9821043718 from your registered mobile number.
- You will receive an OTP and Request ID on your mobile number (valid for 30 minutes).
- Visit any IDBI Bank ATM, insert your Debit Card, and select ‘Generate ATM PIN.’
- Choose ‘Validate OTP,’ then enter the OTP and Request ID received on your mobile.
- Create a new PIN of your choice.
This was all about IDBI Bank international debit cards. It typically takes 7 working days to receive your card, assuming your application is approved. Once dispatched, you will receive an SMS notification with the dispatch details, allowing you to track the status of your card shipment.
FAQs
Yes. IDBI Bank offers a range of international debit cards. These cards let you access over 3,700 IDBI Bank ATMs and 50+ e-lounges in India, plus 2 lakh shared network ATMs domestically and 1.85 million internationally.
IDBI Bank charges an annual fee for international debit cards, which varies by card type. Additional transaction fees apply for international withdrawals and currency conversions.
Yes, the IDBI Visa international debit card provides complimentary access to airport lounges, with varying free visits depending on the card type.
Limits vary by card type. For example, the VISA Signature PayWave card has a purchase limit of INR 5 lakhs at POS and INR 3 lakhs for ATM withdrawals.
Benefits include global acceptance, enhanced transaction limits, insurance coverage, and rewards on purchases, making them ideal for travellers.
These cards offer features like contactless payments, discounts at select merchants, and security measures such as Verified by Visa for online transactions.
You can apply online through IDBI Bank’s website or mobile banking app by filling out the application form and submitting required documents.
Log in to IDBI Bank’s Internet Banking portal or mobile app using your credentials to manage your debit card settings and transactions.
Activate your card for international use by visiting an IDBI ATM or through Internet Banking settings to enable global transaction features.
Yes, there are fees for cash withdrawals and balance inquiries at ATMs abroad, along with a foreign currency markup on transactions.
Yes, you can generate a new PIN through various methods like ATMs, IVR, Internet Banking, or SMS without visiting a branch.
To learn more about education loans, the best bank accounts for students, forex, banking experience for global students, or international money transfers, reach out to our experts at 1800572126 to help ease your experience with studying abroad.
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