A Debit Card is a card that gives you online access to your Bank Account. The IDBI Bank International Debit-cum-ATM Card allows you to purchase goods at Merchant Establishments and also gives you the freedom to withdraw cash from ATMs in India and abroad.

A Debit Card is a buy now, pay now option while a Credit Card is a buy now, and pay later option. Therefore with a Debit Card there is no monthly repayment and hence no interest is charged. A Debit Card gives you all the convenience of a Credit Card and helps you regulate your spending.

There are no monthly outstanding in the case of Debit Card. Your account will be instantly debited to the extent of purchases made or the amount withdrawn from ATMs on the Debit Card.

The main benefit of being a Debit cardholder is that you enjoy unparalleled access to your account whenever you want, wherever you go. Besides, you can control your finances since the balance in your account determines your spending limit. Benefits of the IDBI Bank International Debit-cum-ATM Card are:

• Avail of fabulous discounts at Merchant Establishments
• Loyalty points on usage
• Promotions with exciting prizes

Withdraw cash at over 850 IDBI Bank ATMs across the country through your International Debit cum ATM card. You can also withdraw cash at over 20,000 VISA / Plus ATMs in India & over a million VISA / PLUS ATMs worldwide through your VISA card and 18,000 MasterCard ATMs in India & over a million MasterCard ATMs worldwide through your MasterCard. The VISA card can also be used to make purchases at over 3.24-lac merchant establishment in India and 14 million merchant establishments worldwide. The MasterCard Debit Card can be used at 2.5-lac merchant establishment in India and 26 million merchant establishments worldwide.

The following Bank's form part of the Visa / Plus ATM Network:

BANK	ATM Acquiring
Allahabad Bank	Yes
Andhra Bank	Yes
Bank of India	Yes
Bank of Punjab	Yes
Bank of Baroda	Yes
Canara Bank	Yes
Centurion Bank Ltd	Yes
Citibank N. A.	Yes
Corporation Bank	Yes
Dena Bank	Yes
Development Credit Bank Ltd	Yes
HDFC Bank Ltd	Yes
HSBC Ltd	Yes
ICICI Bank Ltd	Yes
IDBI Bank Ltd	Yes
IndusInd Bank Ltd	Yes
Kotak Mahindra Bank Ltd	Yes
Lord Krishna Bank	Yes
Oriental Bank of Commerce	Yes
State Bank of India	Yes
Standard Chartered Bank	Yes
Syndicate Bank	Yes
The Federal Bank Ltd	Yes
United Bank of India	Yes
UTI Bank Ltd	Yes

However as you know IDBI Bank has over 850 ATMs across the country where there is no charge for use. We encourage you to use this Card at IDBI Bank ATMs only.

Your Visa Electron/ Visa Flag and MasterCard Debit Card is accepted at:

• All Merchant Establishment displaying the Visa Electron/ Visa Flag    and MasterCard Logo
• All ATMs displaying the Visa /PLUS   logo and MasterCard logo

Note: For your safety, your IDBI Bank International Debit-cum-ATM Card cannot be used for making payments through the Internet or for transactions that are made through mail order or telephone order. This card must only be used for transactions where the cardholder is physically present.

This card is being offered at a special discounted price of Rs 110 per annum to founder members for a limited time period.

If your IDBI Bank International Debit-cum-ATM Card gets lost/stolen, you are protected from fraudulent charges from the moment you report the loss to the Bank.

If your card is lost/stolen in India you have the following options:

Call 1-800-22-6999 (24-hour toll-free number) immediately and report the loss. If you do not have access to the above number, then call our Phone Banking Centre. For MTNL / BSNL Customers call: 1800-22-1070 and for Other Customers call: 1800-200-1947. Your Debit Card will be deactivated immediately to prevent misuse.

If your card is lost/stolen while you are overseas, you can call the Visa/ MasterCard Global Emergency help line.

It is also advisable that you report the loss in writing to the Bank at the address/fax number, which will be communicated, to you by the Phone Banking executive. Additionally, you must report the loss/theft of the Card to the nearest local police authorities, and forward a copy of the FIR to the Bank.

• There is no charge if the card is used at an IDBI Bank ATM
• There is no charge if the card is used at a Merchant Establishment for purchases

However, for use at Petrol Pumps and Railway Stations, a surcharge of 2.5% of the purchase value shall be applicable as per industry standards.

For transaction at Visa/Plus, MasterCard and Shared Network ATM the following charges are applied:

Transaction	Domestic	International
Balance Enquiry	NIL	Rs 30
Cash Withdrawal	Rs 20	Rs 140

You can link up to 4 accounts to your Debit Card.  

There is a charge of Rs 115 for replacement of a lost/stolen card. There is a charge of Rs 50 for replacement of the PIN.

For your security we have daily limits on the use of the card at ATMs and Merchant Locations.

Limit Per Day / Per Card
ATMs	Rs 25,000/-
POS	Rs 25,000/-

Note: Limits are per day and per card. Limits are subject to the available balance in your account.

The Debit Card is valid for a period of 5 years from the date of issue of the card.

You can request the Merchant Establishment to charge your purchase as two separate transactions. The transaction on your Debit Card will be valid as long as the available balance in your account covers it. (Daily Limits are applicable).

There is no credit limit; you can only make purchases/withdrawal up to the available balance in your account (Daily Limits on the card are applicable).

Please cut the card in four pieces and dispose of it in an environment friendly way.

No. Only cleared funds can be accessed.

It is advisable to retain a copy of your charge slip and verify it against your account statement.

There is no limit to the number of times that you can use your Debit Card in a day. However, your purchases and withdrawals cannot exceed your account balance and you cannot exceed the daily limits on the card.

Open a Savings/Current Account* with IDBI Bank today and get a International Debit-cum-ATM Card free of charge.

Note:* Conditions apply

In order to safeguard your interests the Bank will be sending you an inactive Debit Card and will be sending you your PIN separately. Your Card will get activated on its 1st use at the ATM. If you already have an account with IDBI Bank then your existing ATM Card will get deactivated when your Debit Card gets activated.

Additional cards are available to Joint Account holders. However, the operating instructions on the account should allow for financial transactions to be conducted singly by the Joint Account holders.