A Debit cum ATM Card is a Buy Now, Pay Now option, while a Credit Card is a Buy Now Pay Later Option. Therefore, with a Debit cum ATM Card there is no monthly repayment and hence no interest is charged. A Debit cum ATM Card gives customers all the convenience of a Credit Card and helps them to regulate their spending.

There are no monthly outstanding in the case of a Platinum Debit cum ATM Card. The customer’s account will be instantly debited to the extent of purchases made or the amount withdrawn from ATMs on the Platinum Debit cum ATM Card.

The main benefit of being a Platinum Debit cum ATM Cardholder is that the customer enjoys unparalleled access to his account – whenever he wants, wherever he goes. Besides, the customer can control finances since the balance in his account determines his spending limit.

Benefits of the IDBI Bank Platinum Debit cum ATM Card are:

• Enhanced Usage limits
• Loyalty Points on Purchase transactions at Point of Sale (POS) locations inclusive online transactions also.
• World wide access
• Zero Fuel surcharge*
• Chances to win exciting prizes with time-to-time introduction of Promotions.

Being a valued premium customer, there is no Card fee charged for issuance of Platinum Debit Card. However, please refer to schedule of facilities (SOF) of your account for details of service charges / fee.

The Platinum Debit cum ATM Card can be used at the following locations:

• There is no charge if the card is used to withdraw cash at an IDBI Bank ATM or at Shared Network ATMs.
• There is no charge if the card is used at a Merchant Establishment for purchases.
• There will be no fuel surcharge if the value of fuel purchased is between Rs.400 and Rs.5000.

However,please refer to schedule of facilities (SOF) of your account for details of service charges / fee.

If a customer's Platinum Debit cum ATM Card gets lost/stolen, he is protected from fraudulent charges from the moment he reports the loss to the bank.

If the card is lost/stolen the customer has the following options:

• Call the toll free number 1-800-22-6999

The Platinum Debit cum ATM Card would be deactivated immediately to prevent misuse. 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: 1800-209-4324. Your Debit Card will be deactivated immediately to prevent any misuse. If your card is lost/stolen while you are overseas please call 022-66937000 or you can also call the Visa/ MasterCard Global Emergency help line numbers hosted on their website.

It is also advisable that the customer reports the loss in writing to the Bank at the address/fax no. which will be communicated to him by the Phone Banking executive.

Additionally, the customer must report the loss/theft of the card to the nearest local police authorities, and forward a copy of the FIR to the Bank.

We have provided enhanced daily limits on the use of the card at ATMs and Merchant Locations.

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

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

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

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

No only cleared funds can be accessed.

The average transaction time is max 1 minute.

The customer should retain a copy of the charge slip and verify it against his account statement.

There is a frequency limit of 10 transactions each at ATM and Merchant locations on security reasons in a day the customer can use his Platinum Debit cum ATM Card. However, his purchases and withdrawals cannot exceed the daily limits on the card.

New Customers

• New Customers will apply for the Platinum Card using the New Account Opening Forms, which incorporate a section on Debit Cards.
• They will get issued a Visa Platinum Debit Card.

Existing Customers

• Existing Customers who wish to apply for the card will have to fill out a Channel Registration Form.
• They will be issued a Visa Platinum Debit Card.

The IDBI Bank Platinum Card can be issued to the all the customers of Royale Account.

In order to safeguard the interests of the customer the bank will be sending out an inactive Platinum Debit cum ATM Card and will be sending the PIN separately. The Card will get activated on 1st use at any Bank’s ATM.

Yes, to avoid fraudulent usage of the card at the merchant establishments.

You should not keep your Platinum Debit card and PIN together for security reasons. You should not write your PIN on the card.