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IDBI Platinum Debit Card

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The IDBI Platinum Debit Card is a premier card with enhanced usage limits catering to Royale account holders of the bank. Card holders have access to international usage at ATMs, POS and ecommerce. The card has the added benefit of additional insurance cover that protects you against personal accident, lost checked baggage, fire and theft of household contents and also provides purchase protection. Customers will also receive discounts at select merchants and the chance to win amazing prices during promotions.

Features of IDBI Platinum Debit Card

Purchase Limits

More than 5.5 lakh merchant establishments accept the IDBI debit card in India. The card can be used to carry out transactions at POS (point of sale) outlets that include merchants and retailers. The spending limit for POS transactions is extended up to Rs.2 lakh per day.

Access to ATMs

There are over 1,630 IDBI ATMs and more than 1 lakh ATMs in the shared ATM network in India. Get enhanced limits at ATMs with the Platinum Debit Card. Withdraw up to Rs.1 lakh per day. ATM usage is free at any IDBI ATM or ATMs in the shared network in India.

Online Shopping

Online transactions are safe and secure with your IDBI Platinum Debit Card. Transactions are done via Verified by Visa. The card is enable for shopping online, booking flights and train tickets, and paying utility bills.


The card has a validity period of 5 years. The expiry date will be marked on the front side of the card.

International Usage

Enjoy international validity with your Platinum Debit Card. Take your card anywhere you go in the world. You can access more than 1.8 million ATMs around the world and more than 29 million merchant establishments worldwide.

Insurance Cover

To be eligible for this insurance cover there should be at least 2 purchase transactions carried out with the card in the last 3 months preceding the date of the event. You will receive enhanced cover for the following:

  • Purchase Protection - Rs.20,000
  • Loss of Checked Baggage - Rs.50,000
  • Personal Accident - Rs.5 lakhs
  • Fire and burglary for household contents - Rs.50,000

Benefits of IDBI Platinum Debit Card


Earn 2 points for every Rs.100 spent as loyalty rewards. This does not apply to transactions related to government tax payments, mutual funds, payments to educational institutions, IRCTC, and insurance premium payments.

Track and Control

You will have access to details of your transactions such as your purchases, transaction date, the merchant name and transaction amount in your bank statement. This will help you budget and control your spending. You can track your expenses on a regular basis.

All-round Customer Care Service

Whether you are at home or travelling abroad, you can contact the customer care to resolve your queries and issues. The debit card gives you access to the Global Customer Assistance Service any time and from anywhere in the world. The following services are offered by the Global Customer Assistance Service:

  • Report loss or theft of your debit card
  • Get emergency cash disbursement
  • Get an emergency card replacement
  • Make emergency inquiries
  • Make miscellaneous inquiries


Avail attractive offers by paying for your purchase with your IDBI Platinum Debit Card. With your IDBI card, you will be entitled to a number of fabulous offers, deals and discounts at merchant outlets.

Zero Fuel Surcharge

Be exempt from fuel surcharge of 2.5% on all your fuel purchases. Fuel surcharge waivers are applicable on transaction amounts of Rs.400 to Rs.5,000 per month.

How to apply for the IDBI Platinum Debit Card

To apply for this debit card, you first need to open an account with IDBI.

  • Procure a form for new account opening from IDBI and fill it in.
  • In the application form, you can opt for this debit card.
  • Upon submitting the duly-filled in application form along with the required documents, IDBI will open your bank account.
  • The IDBI Platinum Debit Card will be issued to you.

If you already hold an IDBI account and wish to avail this card, you can call IDBI on 1800-22-1070 or 1800-200-1947. You can also write to customercare@idbi.co.in and request for the same. You will need to fill out a Channel Registration form to apply for this card.


The Platinum Debit Card is available to all IDBI Royale account holders.

Documents Required

To open a savings account with IDBI, you need to submit a recent passport photograph along with the following documents:

Any one Address Proof

  • Ration Card
  • Driving Licence
  • Voter ID
  • Insurance Copy
  • Utility bill like electricity, phone, and water (not more than 3 months old)
  • Any document with your photo on it which has been issued by the Central/State government or any of its departments

Any one ID Proof

  • PAN Card
  • Driving Licence
  • Voter ID
  • Aadhaar Card
  • Passport (Mandatory for NRIs)
  • Any document which has your photo on it and which has been attested by the Central/State government or any of its departments

*IDBI may request for more documents at their own discretion

Fees and Charges

Details Charge Amount
Annual fee Rs.400 plus GST, waived for the first year
Add on cards Rs.400 plus GST, waived for the first year
Replacement of lost or stolen card Rs.400 plus GST
Replacement Card for damage or captured Free
PIN regeneration Rs.50 plus GST
Transactions at IDBI ATM Nil
Transactions at Non IDBI ATMs (savings account) Nil
Transactions at Non IDBI ATMs (current account) Rs.20 per financial transaction Rs.8 per non financial transaction
International transactions Cash withdrawal - Rs.140 per transaction Balance enquiry - Rs.30 per transaction Transaction declined due to insufficient funds - Rs.20 per instance
Foreign currency markup 3.5% over and above the cross-currency conversion rate
Fuel surcharge 2.5% of the transaction amount or Rs.10, plus GST, whichever is higher. Waived for transactions between Rs.400 and Rs.5,000, subject to a maximum of Rs.400
Railway surcharge 2.5% of the transaction amount or Rs.10, plus GST, whichever is higher

IDBI Platinum Debit Card FAQs

  1. Why should I go in for the Platinum Debit Card?

    The Platinum Debit card is suitable for those who need enhanced usage limits and international validity. The card provides benefits such as zero fuel surcharge, reward points, discounts, and chances to win exciting prizes during promotions.

  2. Do I have to pay any fee to apply for this debit card?

    No, there are no application fees for this debit card. There is also no issuance fee associated with this card. You will be charged an annual fee of Rs.400 from the second year onward.

  3. Can I pay my utility bills online with my IDBI Platinum Debit Card?

    Yes, you can pay utility bills from the comfort of your home, office or any other place. You can use the IDBI portal, bill payment portals like Bangalore One, or the official utility website to make the payments with your IDBI Platinum Debit Card.

  4. What modes of payment are available for the Platinum Debit Card payments?

    When you make a purchase or withdrawal with your debit card, the transaction amount is automatically debited from your linked bank account. There is no other mode of payment available.

  5. What should I do if my IDBI Platinum Debit Card has been stolen?

    In case your card has been stolen or lost, you need to inform IDBI immediately. To report the card, call on these numbers:

    • 1800-22-1070 - BSNL and MTNL
    • 1-800-22-6999 - Toll free
    • 1800-200-1947 - Other customers

    If you are overseas, you can call 022-6693700 to repost the loss of card. You can also contact the Visa/MasterCard Global Emergency Helpline. The numbers are available on the respective website.

    Once you have informed the bank, you will be protected from any fraudulent charges made on the card.

    You are advised to submit a written report to IDBI about the loss of the card by mail or fax. You need to report the loss or theft to the nearest police authorities. Obtain an FIR and submit the same to the bank.

  6. Are there any limits on the number of transactions I can perform per day with this debit card?

    Yes, the frequency of transactions is capped at 10 transactions per ATM or merchant location per day. This is for security reasons.

  7. How do I activate my debit card?

    You will receive a PIN separately from IDBI. Once you have this PIN, you can visit any ATM and carry out a transaction. Your card will automatically get activated upon entering the PIN. You are advised to change your PIN immediately.

GST of 18% is applicable on all banking products and services from July 1, 2017 onwards.

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