Gold Debit Card-IDBI Bank Gold Debit-cum-ATM Card

The IDBI Bank Gold Debit card is one to complement your lifestyle offering Rs. 75,000 worth of ATM withdrawals and for transactions at shopping establishments both online and offline for the same amount.

IDBI Bank Gold Debit-cum-ATM Card Advantage

The IDBI Bank Cash Card is power packed with loads of benefits and attractive offers.

• Zero Liability
• Online Shopping
• Special offers on Gold debit cards
• Insurance Cover

IDBI Bank Gold Debit-cum-ATM Card Features

• Enhanced Access at ATMs and Merchant Establishments Classic Debit Card is issued in both Visa as well as MasterCard platforms. The Gold Debit Card can be used at the following locations:
  
  

  Location	Domestic	International	Transaction
  All IDBI Bank ATMs	Over Rs. 1600	N.A.	For all ATM Transactions
  Shared Network ATMs	Over Rs. 1 lakh	Rs. 18 lakh	For Balance Enquiry & Cash Withdrawal
  Merchant Locations	Over Rs. 5.50 lakh	Rs. 29 Million	For Purchases




• International Validity: The Gold Debit cum ATM Card can be used both in India and abroad to make purchases at Merchant locations and withdraw local currency at ATMs. The customer is debited in INR. All transactions are reflected in the account statement in INR and merchant location details are captured.



• Loyalty points*: Customers will gain one loyalty point for every Rs. 100 spent on the Debit Card. Customers can redeem each point for a cash credit of Re 0.25 to their account. For redemption of loyalty points, a minimum of 200 points are required in a cycle.
  
  W.e.f 1-Sep-2011 you will not earn loyalty points on Mutual Fund, Government Tax payment, Insurance Premium payment, IRCTC and payment to Educational Institutes made through your IDBI Bank Debit Card.
  
  No loyalty points will be awarded for the Debit Cards issued against the Current Accounts
  
  Disclaimer: Loyalty point reward structure as well as reward of loyalty points for different merchant categories is subject to revision from time to time.
  
  



• Petrol Surcharge Waiver*: Petrol surcharge will be waived off for transactions with a value between Rs. 400 and Rs. 2,000 carried out on the Gold Card.



• Daily limits*: Customers can withdraw cash upto Rs. 75,000/- and make purchases worth Rs. 75,000/- in a day.



• Online transactions: Gold Debit Card can be used online, for shopping, booking air/rail/movie tickets & utility bill payments.



• Insurance Cover*: In addition to insurance cover for lost and counterfeit cards upto Rs. 2,00,000/-, customers will also be covered for:
  • PA cover - Rs. 5 lakh
  • Loss of checked baggage - Rs. 50,000
  • Purchase Protection - Rs. 20,000
  • Fire and Burglary for House Hold Contents - Rs. 50,000
  
  
  Effective 1st July 2013, for Insurance claims to be accepted and processed, there should be a minimum of 2 purchase transactions using the Debit Card in last 3 months prior to the event date.



• Discounts at merchant establishments*: We make tie-ups with different merchants from time to time to offer discounts to our Gold Debit Card holders. Customers can avail of this discount by making purchases through the Gold Debit Card at these merchant locations.



• Better tracking: Receive instant SMS alerts on transaction made on your Gold Debit Card.




• Important: With effect from Feb 1, 2013, Bank has revised the Cash redemption amount for loyalty point earned on your purchase transactions with your Debit Cards. However, the loyalty point calculation remains unchanged. The revised redemption structure is as follows:

  Type of Debit Cards	Existing Payout per loyalty point	Revised Payout per loyalty point w.e.f   February 01, 2013
  Visa Classic International, MasterCard International Classic, Being Me, Women’s, KIDS, Magic Card	Rs. 0.75	Rs. 0.25
  Visa Gold Debit Card & MasterCard Gold Debit Card	Rs. 1	Rs. 0.25
  Visa Platinum Debit Card	Rs. 1	Rs. 0.50