Idbi Bank Womens Debit Card - Benefits, Charges and Eligibility
Idbi Bank Womens Debit Card Overview
IDBI Bank Women's Debit Card is for the women who is looking more convenience and features. ATM & Shopping limit of Rs 40,000 a day and discounts are some of them.
It is issued on a VISA platform and offers you the most exclusive offers, packed with convenience and rewards like never before.
Idbi Bank Womens Debit Card Features
- The Women's Debit Card comes with a validity of 5 years
- The IDBI Bank Women's Debit Card is valid across the world
- Card holder can withdraw cash at over 1630 IDBI Bank ATMs and over 1 lakh shared network ATMs in India
- Online Shopping: IDBI Bank Women's Debit Card can now be used for shopping, booking rail & air tickets, utility bill payments online
Idbi Bank Womens Debit Card Eligibility
All Women Current and Savings account holders are eligible. Existing eligible customers can also upgrade the accounts to apply for this card.Idbi Bank Womens Debit Card Fees & Charges
- The Card will be issued free of cost to primary and joint holders free of cost for the first year
- Second Year Onwards Annual Fee: Chip Debit Card - Rs. 220/- plus applicable taxes per year & for Magstripe Debit Card - Rs. 110/- plus applicable taxes per year
- Add on Card Annual Fee: Chip Debit Card - Rs. 220/- plus applicable taxes per year & for Magstripe Debit Card - Rs. 110/- plus applicable taxes per year
- Card Replacement charges for damaged/ captured card: NIL
- Card Replacement charges for lost/ stolen card: Rs. 220/- plus applicable taxes
- ATM Cash withdrawal Charges while using Debit Cards internationally: NIL
- International Transactions: Mark-up of 3.5 % over and above the cross-currency conversion rate
- Decline due to insufficient funds Internationally: Rs. 20 per instance
- Surcharges on Railway Transactions: Rs.2.5% + applicable taxes, on transaction amount or Rs.10/- + applicable taxes, whichever is higher
- Surcharges on Fuel Transactions: Rs.2.5% + applicable taxes, , on transaction amount or Rs.10/- + applicable taxes, whichever is higher
Idbi Bank Womens Debit Card Benefits
- Enhanced Access at ATMs and Merchant Establishments
- ATM Withdrawal & Purchase limit: Understanding your daily spends and needs, the Women's Debit Card offers Cash withdrawal limit of Rs. 40000/- and purchase at Point of Sale (POS) limit of Rs. 40000/- in a day
- Discounts at merchant establishments: We make tie-ups with different merchants from time to time to offer discounts to our Debit Card holders
- Insurance Cover: Customers are covered with an insurance cover upto Rs. 1 lakh for lost and counterfeit cards
- Loyalty Program: Customers will gain 1 loyalty point for every Rs. 100 spent on the Debit Card
Idbi Bank Womens Debit Card How to Apply
- Contact your Branch.
- If you don't have saving or Current Account, first open your account.
- Get the Debit Card Application form from the Branch, fill it up and submit it to your Branch.
- You will receive your Insta Debit Card & PIN (Personal Identification Number) at the time of submission of the application form.
- In case of named Debit Card, the card will be delivered to the customer's residential address. The PIN will have to be collected from the respective Branch.
- The customer has to activate the Insta Debit card after 24 hours from the receipt of the card by withdrawing cash from Dena Bank ATM.
Idbi Bank Womens Debit Card Documents Required
- Proof of Identity : Aadhaar Card/ PAN Card/ Passport Driving License/ Voter ID Card
- Proof of Address : Aadhaar Card/ Driving License/ Ration Card/ Voter ID Card/ Passport
- Passport sized photographs
What is EMV-Chip Based Debit Card?
EMV stands for Europay MasterCard and Visa, who developed this technology. EMV-chip based debit cards are the debit cards which have embedded microprocessor chip that stores and protects cardholders' information/ data. It uses enhanced security features to protect the important date of the card holders and discourages card's unauthorized usage.
EMV-chip based debit card generates fresh user data every time the user transacts. Therefore, it is impossible for hackers/ fraudsters to steal the information or copy the original data from any card. Further, EMV technology uses your debit card as well as PIN to complete any transaction.
The Reserve Bank of India (RBI) has asked all banks in the country to replace magnetic-strip debit/ credit cards with EMV-chip based cards by 31 December 2018 as magnetic cards are quite vulnerable to skimming. Banks have already replaced the existing magnetic strip debit/ credit cards with latest EMV chip cards. Banks will provide it free of cost.