Indian Bank Debit Card

Features and Benefits of Indian Bank Debit Cards

The following advantages offered by Indian Bank debit cards makes it very popular choice amongst the customers.

• Indian Bank Debit Cardholders can enjoy higher ATM and POS limits ranging from Rs. 10,000 to up to Rs. 1 lakh and Rs. 10,000 to Rs. 2 lakh, respectively. However, these limits may vary depending on the type of debit card and account category selected by the customer.
• Available for diverse usage types, including contactless payments and international transactions. Many debit cards come with contactless ‘tab and pay’ functionality for faster and secure transactions. 
• Many debit cards come with contactless ‘tab and pay’ functionality for faster and secure transactions.
• Cards are available to different types of account holders, including senior citizens, Mudra account holders, PMJDY account holders, and digital account holders.
• Indian Bank primarily offers RuPay and Visa debit cards, while Maestro cards are being phased out for most new customers. 
  
• The Maestro debit cards offered by Indian Bank can be used in over 1 million ATMs globally and 23 million Point of Sale (PoS) terminals worldwide.
•  Provides personalized Debit Cards for senior citizens that include a photo, blood group, and date of birth affixed on the card. 

• Indian Bank Debit Cards offer benefits such as access to airport lounges, complimentary insurance covers, and joining or milestone benefits, similar to credit cards.
• Selecting premium RuPay and Visa debit cards provide insurance coverage against accidental death and offer lounge access at select airports.
• For the first year of holding the Indian Bank ATM card, there is no annual maintenance charge. From the second year onwards, Rs.50 is charged as annual maintenance which is automatically debited from the customer's bank account. The annual maintenance charges may differ based on the debit card variant and are subject to revision by the bank.
• The first three withdrawals from other banks in urban areas is completely free, post three withdrawals, a transaction fee of Rs.20 is charged. For people making withdrawals from non-metros, the first five transactions from other bank ATMs are completely free, followed by a transaction fee of Rs.20.
• Post the free limit; charges are typically around Rs.21 to Rs.22 per transaction (plus applicable taxes), as per RBI guidelines and bank revisions.
• These free transaction limits are aligned with RBI guidelines and may change as per regulatory updates. For customers who have lost their card, or had it stolen, immediate action is required to prevent unauthorised use.
• To block your card, contact the new national toll-free number at 1800 1700. While the traditional helpline 1800 425 00 000 and the Chennai credit card centre landlines (044-25251185 or 044-25260335) remain operational. You can also block by messaging the word “BLOCK” to 092895 92895 or 092310 00001.
  

Types of Indian Bank Debit Cards

The Indian Bank Atm Cards are available in two variants:

1) RuPay Card Variants

2) MasterCard Variants

RuPay Card Variants

IB RUPEE KEY – RuPay On-The-Go Smart Keychain

• The keychain is equipped with an NFC chip that links to Point-Of-Sale (POS) card readers.

• Customers can make contactless payments of up to Rs. 5000 without the need for a PIN. As per RBI guidelines, contactless transactions up to Rs.5,000 can be done without PIN, subject to limits set by the bank.
• Faster checkouts at POS devices help reduce wait times in queues.
• An add-on card called RuPay on-the-go keychain will be provided.
• The Indian Bank mobile banking app allows customers to manage the device.
• Customers have the option to enable or disable the keychain for payment purposes.

• Customers can set their payment limits within the default limit according to their needs.
• The keychain can be blocked immediately if it is lost or stolen.

RuPay Platinum Card (Contactless)

• The ATM usage limit is Rs. 50,000, while the Point-Of-Sale usage limit is Rs. 1,00,000. These transaction limits vary depending on the bank’s policies and customer profile.
• The card provides accidental death insurance coverage, and various other offers. To view the terms and conditions, please visit https://www.rupay.co.in.

• The card allows contactless purchases at POS for up to Rs. 5000.
• The card supports NCMC (National Common Mobility Card) wallet for offline transactions using Tap & Go.

RuPay Platinum Card (Contact)

• The usage limit for ATM transactions is Rs. 50,000, and for Point-Of-Sale transactions, it is Rs. 1,00,000.
• Accidental death insurance coverage is included.

RuPay International Platinum Card (Contact)

• The card has a usage limit of Rs. 1,00,000 for ATM transactions and Rs. 2,00,000 for point-of-sale transactions.
• Accidental death insurance coverage is included. To view the terms and conditions, please visit https://www.rupay.co.in.
• The card offers airport lounge access and various other benefits for use in select international countries. For a list of countries, please visit https://www.rupay.co.in.

RuPay Debit Select Card (Contactless) 

• This is the highest-tier RuPay card variant.
• The card features a daily ATM withdrawal limit of Rs.1,00,000 and a Point-of-Sale (POS) limit of Rs.3,00,000. 
• Joining benefits and milestone-based benefits.
• An in-built insurance cover of up to Rs. 10 lakh.
• Complimentary access to domestic and international airport lounges is now spend-based and users must spend at least Rs.5,000 in the previous quarter to qualify for the benefit. 
• Higher transaction limits.

• Airport lounge access and various other benefits.
• The ability to make contactless POS purchases of up to Rs. 5000.
• A wallet supported by NCMC (National Common Mobility Card) for Tap & Go offline transactions is integrated into the card. Additionally, this premium card offers lifestyle perks such as a complimentary gym membership, a health check up, and a golf lesson once every quarter.

RuPay Classic Contactless Card (NCMC)

• The rupay debit card allows contactless purchases at POS for up to Rs. 5000.

• The usage limit for ATM transactions is Rs. 25,000, and for Point-Of-Sale transactions, it is also Rs. 25,000.
• The card supports NCMC (National Common Mobility Card) wallet for offline transactions using Tap & Go.
• The annual maintenance charges for this card are lower than those for Platinum Debit Cards. As of 2026, the Annual Maintenance Charge for the RuPay Classic card is typically around Rs.200 plus GST.
• This card does not provide insurance coverage or complimentary airport lounge access.

IB DIGI – RuPay Classic Card

• RuPay debit cards are issued for IB DIGI accounts opened through our website and IB Customer Mobile App.
• The card has a usage limit of Rs. 10,000 for both ATM and Point-Of-Sale transactions.
• This card has lower annual maintenance charges compared to Platinum Debit Cards.
• Insurance coverage and complimentary airport lounge access are not provided with this card. It is important to note that Indian Bank provides the first year of maintenance free of this card variant.

IB DIGI- Rupay Classic Card (Contactless)

• RuPay debit cards are available for IB DIGI accounts opened through our website and IB Customer Mobile App.
• The usage limit for this card is Rs. 10,000 for both ATM and Point-Of-Sale transactions.
• Customers can make contactless POS purchases up to Rs. 5,000 with this card.
• The annual maintenance charges for this card are lower than for Platinum Debit Cards.
• Insurance coverage and complimentary airport lounge access are not provided with this card. This contactless version also allows for NCMC functionality, enabling seamless payments for transit like metros and buses across India.

Senior Citizen Debit Card (Contact)

• A special Debit Card designed for senior citizens with their photo, blood group, and date of birth printed on the card.
• Usage limit of Rs. 25,000 in ATM and Rs. 50,000 in Point-Of-Sale transactions.
• No annual maintenance charges.
• Insurance coverage and complimentary airport lounge access are not included. It is important to note that while the card itself has no AMC, any supplementary services or card replacements may attract standard service fees as per bank policy.

Pradhan Mantri Jan Dhan Yojana (PMJDY) Card (Contact)

• RuPay card is specially designed for PMJDY Account Holders.
• Usage limit of Rs. 25,000 in ATM and Rs. 25,000 in POS.
• Eligible accounts in ATMs can avail of the overdraft facility. Under the revised scheme rules, the overdraft limit has been increased to Rs.10,000 for eligible account holders, and no conditions apply for overdraft up to Rs.2,000.
• For accounts opened after 28 August 2018, the free accidental death insurance cover on RuPay cards has been doubles to Rs.2 lakh.

• No annual maintenance charges.
• Complimentary airport lounge access is not available.

Pradhan Mantri Jan Dhan Yojana (PMJDY) Card (Contactless)

• RuPay card is designed for PMJDY account holders.
• Usage limit of Rs. 25,000 in ATM and Rs. 25,000 in POS.

• Overdraft facility enabled for eligible accounts in ATMs.
• Insurance cover for accidental death, terms and conditions can be found at https://www.rupay.co.in.
• The facility of contactless POS purchases up to Rs. 5,000.
• No annual maintenance charges. A nominal charge may be applicable if the customer opts for the personalised of the card or requests a replacement due to loss.
• Complimentary airport lounge access is not available. Customers can now generate their Green PIN by default for these cards through Indian Bank ATMs or the mobile app.

RuPay Kisan Card (Contactless)

• The Rupay Card for Kisan account holders has a usage limit of Rs. 10,000 at ATMs and Rs. 15,000 at Point-Of-Sale.
• Kisan account holders can use the card for contactless purchases up to Rs. 5,000 at Point-Of-Sale.
• There are no annual maintenance charges for the Rupay Card for Kisan account holders.
• However, complimentary airport lounge access is not available with this card. 
• Note that the government has recently proposed a revamp of the Kisan Credit Card (KCC) scheme to potentially offer higher credit limits and extended tenures to support farmers.

Micro Units Development and Refinance Agency (MUDRA) Card

• The RuPay card is designed for MSME customers who have taken MUDRA loans.
• The card comes with a usage limit of Rs. 10,000 for both ATM withdrawals and POS transactions. In some cases, depending on the specific loan category (Shishu, Kishor, or Tarun), banks may allow a daily cash withdrawal limit of up to Rs.25,000.
• This limit ensures that customers can make transactions within their budget and avoid overspending.
• The card provides a convenient and secure payment option for MSME customers, helping them manage their finances more effectively. A key feature of the MUDRA card is that it operates as a working capital facility, where interest is charged only on the amount actually utilised by the business owner.

MasterCard Variants

MasterCard World (Contact)

• The International Debit Card is widely accepted across the globe, providing a hassle-free payment option for users.
• The mastercard debit card allows users to withdraw up to Rs. 50,000 at ATMs and spend up to Rs. 1,00,000 on Point-Of-Sales and online purchases.
• This spending limit enables users to make transactions according to their needs and budget.

• It is crucial to know that Indian Bank has discontinued complimentary airport lounge access for the MasterCard World variant effective 8 February 2026. 

• Additionally, users should be aware that the daily limit for domestic POS or e-commerce transactions is restricted to 10 transactions per day.

MasterCard World Platinum (Contactless)

• The International Debit Card is a globally recognized payment option, accepted widely across the world.
• The card comes with a usage limit of up to Rs. 50,000 for ATM withdrawals and up to Rs. 1,00,000 for POS and online purchases, enabling users to make transactions according to their requirements.
• The card also allows users to make contactless POS purchases of up to Rs. 5,000, providing a convenient and safe payment option.

• The card now includes an enhanced chip-and-pin security feature to prevent unauthorised international transactions, which can be managed via the IndOASIS app.

MasterCard E–purse Debit Card

• The Platinum card product is a recipient of prestigious awards such as Banking Frontiers’ Finnoviti 2016 and the MasterCard award for best card innovation.
• It is a Debit Card that functions like a wallet, offering users a hassle-free payment experience.
• Users can gift this card to their family members as an allowance or to manage their budget effectively.

• The process of application for the card is simple and can be done through Internet Banking.
• Users can transfer funds from their account to the e-purse card through Internet Banking or IndOASIS, making it easy to manage their expenses. Under current regulations, the maximum balance that can be maintained in this e-purse card at any given time is Rs.10,000.

Daily Transactions Limits on Indian Bank Debit Cards

Fee and Charges of Indian Bank Debit Card

How To Apply for Indian Bank Debit Cards?

Given below are the steps to apply for Indian Bank Debit Cards: 

Step 1: To apply for Indian Bank Debit Card, you need to visit the official website

Step 2: Next, Download the debit card application form from https://www.indianbank.in/wp-content/uploads/2018/04/download_atmcard_appln.pdf.

Step 3: Next, you should print out the application form and fill it up with all your relevant details.

Step 4: Finally, submit it your home branch for verification.

Step 5: After verifying all the details, the debit card will delivered to your registered address.

Eligibility for Indian Bank Debit Cards

• Suppose you hold a indian bank savings account or current or proprietorship account with Indian Bank, including illiterate and visually impaired individuals. In that case, you are eligible to avail of an Indian Bank ATM or Debit Card.

• The minimum age requirement to get an Indian Bank ATM or Debit Card is 18 years.
• However, minors aged 10 years and above who independently operate their accounts under the IB Smart Kid scheme are now eligible to receive an ATM/Debit card.

• Minors above 10 years of age with an account under IB Smart Kid can also get an Indian Bank ATM or Debit Card.

• Non-resident account holders can avail of Indian Bank ATM or Debit Cards.

• Kisan credit card and Mudra account customers are also eligible to get Indian Bank ATM or Debit Cards.

Documents Required for Indian Bank ATM Card

A customer might be asked to submit the following documents for Indian bank debit card.

• Identity proof - Passport, Voter ID etc.
• Address proof - Electricity Bill, Passport etc.
• Duly filled and signed application form
• Salaried applicants will be asked to submit proof of employment and salary slips.

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

It is important to note that as of 1 April 2026, the charge for exceeding the free ATM transaction limit has been revised to Rs.23 plus GST. 

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