There are a variety of Indian Bank Debit Cards, such as contactless and international variants, such as the RuPay Platinum and RuPay Classic cards, with varying ATM and POS transaction limits, insurance coverage, and lounge access benefits.
These are designed to meet diverse customer needs. Customers can manage their debit cards securely using the Indian Bank Mobile App, IB Smart Remote App, which allows them to lock/unlock cards, adjust transaction limits, and change PINs.
As you read further, you will learn about the Indian Bank debit cards eligibility criteria, application process, types, and charges.
| Indian Bank debit card benefits include various insurance covers, complimentary airport lounge access, higher transaction limits, and the ability to manage their cards securely using the IB Smart Remote app. |
Types of Indian Bank Debit Cards
The Indian Bank Debit Card offers Rupay and Mastercard variants to meet the diverse needs of customers. Here are a few, along with their top features:
RuPay Platinum Card (Contact): Ideal for regular domestic users who want higher transaction limits, lounge access, and basic insurance benefits.
Features:
Accidental death insurance cover.
Domestic and International lounge access, 1 each per calendar per card.
RuPay Debit Select Card (Contactless): Suited for premium users looking for lifestyle perks like spa, gym access, concierge services, and high insurance coverage.
Features:
Insurance covers up to ₹10 lakh.
1 domestic lounge access per year per calendar year and 2 international airport lounge access per calendar year.
High transaction limits.
Benefits of joining and reaching the milestone.
RuPay International Platinum Card (Contact): Best for customers who travel or shop internationally and want global ATM and merchant access.
Features:
Accidental death insurance cover.
1 domestic airport lounge access and 1 international airport lounge access per calendar year.
MasterCard World (Contact): Designed for customers who need international usage with high limits and complimentary lounge access.
Features:
Widely accepted internationally.
Complimentary airport lounge access.
MasterCard World Platinum (Contactless): Perfect for frequent international travelers who want all the benefits of the World card, plus fast, secure contactless payments.
Features:
Widely accepted internationally.
Complimentary airport lounge access.
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Eligibility criteria for Indian Bank Debit Cards
As the Indian Bank Debit Cards come with their own eligibility criteria due to the card variants. However, here are some of the general requirements you must be aware of:
- The applicant must have a current or savings account with the bank.
- The applicant must be of the age 18 years or older.
- The applicant must have a certain amount as a minimum balance.
- The applicant can be an Indian citizen or an NRI.
Step-by-step guide to applying for an Indian Bank Debit Card
Offline
- Visit the official website of Indian Bank.
- Click on the ‘Forms Download’ section on the right side of the screen.
- In the ‘General Application Forms’ table, click on ‘ATM/Debit Card or Credit Card Application Forms’.
- On the next page, click on ‘ATM/Debit Card Application Form (PDF)’.
- You will be taken to the application form page, which you can download.
- Complete the application form with the necessary details.
- Submit the application form.
You can also visit your nearest Indian Bank branch, request the debit card application form, and submit the completed form.
The Indian Bank NetBanking portal and Mobile Banking App-IndSMART are user-friendly and help in a speedy process. You can access the same to activate your debit card, set limits, and more.
Indian Bank Debit Cards Charges and Limits
The table below provides a quick overview of the various types of Indian Bank debit cards, their respective charges, and limits:
| Debit Card Types | Limits |
|---|---|
| Indian Bank RuPay Platinum Card (Contact) | Withdrawal: ₹50,000 Purchase: ₹1 lakh |
| Indian Bank Rupay International Platinum card (Contact) | Withdrawal: ₹1 lakh Purchase: ₹2 lakh |
| Indian Bank RuPay Debit Select Card (Contactless) | Withdrawal: ₹50,000 Purchase: ₹1 lakh |
| Indian Bank MasterCard World (Contact) | Withdrawal: ₹50,000 Purchase: ₹1 lakh |
| Indian Bank MasterCard World Platinum (Contactless) | Withdrawal: ₹50,000 Purchase: ₹1 lakh |
Subject to change.
Note that most of the Platinum debit cards have high maintenance fees. Whereas the debit cards, apart from Rupay and Mastercard variants, have low to no annual fees.
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