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Savings Account
Your Debit Card does more than give you cash
Key Takeaways
Debit cards provide easy and secure access to your savings account funds.
- They offer lifestyle benefits such as cashback, discounts, and exclusive offers.
- Certain debit cards provide complimentary domestic airport lounge access.
- Using a debit card helps track spending and manage finances efficiently through the bank app.
A Debit Card has become a basic necessity in the new normal. Not only is it more convenient to carry around, but it can also be used for contactless payments. But did you know there are several other benefits that your debit card offers?
Debit cards work the same way no matter which bank you choose. Nevertheless, not all cards are created equal. Depending on your account type and your bank's commercial partners, costs and features may vary. When you open a savings account with IDFC FIRST Bank, you are provided with a debit card that comes with a suite of benefits to enhance your banking experience. Here are the key features and benefits:
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Here are 8 things you probably didn't know about your debit card, especially if you have an IDFC FIRST Bank Debit Card.
1. Setting Limits on Transactions:
With the IDFC FIRST Bank mobile app or through net banking, you can manage your transactions and set limits as you like. This is especially helpful if you are trying to set
Simply: Login->Accounts -> Cards->Click on your Debit Card-> Manage Usage & Limits->Use slider to on/off Transactions
2. Limit on Contactless Payments:
A contactless transaction is carried out by tapping the card on a POS machine and doesn't require you to enter your PIN to complete the transaction. Following the Reserve Bank of India (RBI) guidelines, the limit for contactless transactions is Rs 5,000 per transaction, and no PIN is required for transactions up to Rs 5,000. For transactions above Rs 5,000, the PIN must be entered to complete the transaction. However, you can set a lower limit or disable the contactless feature via the mobile banking application or net banking.
3. Block Your Card Temporarily:
A temporary block means that the card can be unblocked later. You can temporarily block your debit card by using net banking, mobile app, IVR, or SMS.
4. You Have a Lost Card Liability Cover:
Fraudulent utilization of lost or stolen covered Debit Cards including at point of sale and merchant establishments transactions are covered. IDFC FIRST Bank Savings Account offers the World Debit Mastercard® card on their ₹25,000 AMB savings account variant that comes with lost card liability cover of up to ₹6 lakhs. Please refer to the “Know your debit card” section for cover limits on your card.
5. You Can Perform International Transactions:
When Debit Cards are dispatched to customers, they are disabled for international usage by default. You can enable this feature on your Mastercard and Visa debit card through IDFC FIRST Bank mobile banking and net banking. However, remember that international transactions are subject to 2% mark-up fees plus applicable taxes.
6. Complimentary Access to Airport Lounges
IDFC FIRST Bank provides free airport lounge access at partnering airports, and under the scheme, lounge benefits can be availed without any additional charge.
7. Purchase Protection
Secure your purchases against fire, theft, or burglary for up to 90 days post-purchase, with a protection cover of up to ₹25,000 to ₹1,00,000 .
8. Insurance Benefits:
Enjoy comprehensive insurance benefits, including personal accident cover. For detailed cover limits, please refer to the terms and conditions.
When you open a savings account with IDFC FIRST Bank, you are provided with a debit card that comes with a suite of benefits to enhance your banking experience. Here are the key features and benefits based on the terms and conditions provided. For the most accurate and detailed information, always refer to the latest terms and conditions as provided .
Disclaimer
The contents of this article/infographic/picture/video are meant solely for information purposes. The contents are generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. The information is subject to updation, completion, revision, verification and amendment and the same may change materially. The information is not intended for distribution or use by any person in any jurisdiction where such distribution or use would be contrary to law or regulation or would subject IDFC FIRST Bank or its affiliates to any licensing or registration requirements. IDFC FIRST Bank shall not be responsible for any direct/indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information mentioned. Please consult your financial advisor before making any financial decision.
The features, benefits and offers mentioned in the article are applicable as on the day of publication of this blog and is subject to change without notice. The contents herein are also subject to other product specific terms and conditions and any third party terms and conditions, as applicable. Please refer our website www.idfcfirst.bank.in for latest updates.
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