A Platinum Debit cum ATM Card is a card that gives the customer online access to his Bank Account. The IDBI Bank Platinum Debit cum ATM Card allows customers to purchase goods at Merchant Establishments and also gives them freedom to withdraw cash from IDBI Bank and shared network ATMs in India.

A Debit cum ATM Card is a Buy Now, Pay Now option, while a Credit Card is a Buy Now Pay Later Option. Therefore, with a Debit cum ATM Card there is no monthly repayment and hence no interest is charged. A Debit cum ATM Card gives customers all the convenience of a Credit Card and helps them to regulate their spending.

There are no monthly outstanding in the case of a Platinum Debit cum ATM Card. The customer’s account will be instantly debited to the extent of purchases made or the amount withdrawn from ATMs on the Platinum Debit cum ATM Card.

The main benefit of being a Platinum Debit cum ATM Cardholder is that the customer enjoys unparalleled access to his account – whenever he wants, wherever he goes. Besides, the customer can control finances since the balance in his account determines his spending limit.

Benefits of the IDBI Bank Platinum Debit cum ATM Card are:
1. Enhanced Usage limits
2. Loyalty Points on usage.
3. World wide access
4. Zero Fuel surcharge*
5. Chances to win exciting prizes with time-to-time introduction of Promotions.

This Primary Card fee will be issued free of cost to the customers. There is a card fee of Rs. 500/- plus applicable S.taxes for the additional add on card that will be charged from the first year itself.

The Platinum Debit cum ATM Card can be used at the following locations:

Location	Domestic	Transaction Type
All IDBI Bank ATMs	Over 1000	For all ATM Transactions
All Shared Network ATMs	45,000	For Balance Enquiry & Cash Withdrawal
Merchant Locations	4.70 lakh	For Purchases

•There is no charge if the card is used to withdraw cash at an IDBI Bank ATM or at Shared Network ATMs.
•There is no charge if the card is used at a Merchant Establishment for purchases.
•There will be no fuel surcharge if the value of fuel purchased is between Rs.400 and Rs.5000.

If a customer's Platinum Debit cum ATM Card gets lost/stolen, he is protected from fraudulent charges from the moment he reports the loss to the bank.

If the card is lost/stolen the customer has the following options:
• Call the toll free number 1-800-22-6999

The Platinum Debit cum ATM Card would be deactivated immediately to prevent misuse. If you do not have access to the above number, then call our Phone Banking Centre. For MTNL / BSNL Customers call: 1800-22-1070 and for Other Customers call: 1800-200-1947. Your Debit Card will be deactivated immediately to prevent any misuse.

It is also advisable that the customer reports the loss in writing to the Bank at the address/fax no. Which will be communicated to him by the Phone Banking executive.

Additionally, the customer must report the loss/theft of the card to the nearest local police authorities, and forward a copy of the FIR to the Bank.

There is a charge of Rs 115/- per card for replacement of a lost/stolen card.

We have provided enhanced daily limits on the use of the card at ATMs and Merchant Locations.

Location	Limit Per Day/Per Card
ATM	Rs.1, 00,000/-
POS	Rs. 2,00,000/-

Pls. Note: Limits are per day and per card. Limits are subject to the available balance in the customers account.

The Platinum Debit cum ATM Card is valid for a period of 5 years from the date of issue of the card.

The customer can request the Merchant Establishment to charge his purchase as two separate transactions. The transaction on his Platinum Debit cum ATM Card will be valid as long as the available balance in his account covers it (Daily Limits are applicable).

There is no credit limit; the customer can only make purchases/withdrawal up to the available balance in his account (Daily Limits on the card are applicable).

No only cleared funds can be accessed.

The average transaction time is max 1 minute.

The customer should retain a copy of the charge slip and verify it against his account statement.

There is a frequency limit of 10 transactions each at ATM and Merchant locations in a day the customer can use his Platinum Debit cum ATM Card. However, his purchases and withdrawals cannot exceed the balance in his account and he cannot exceed the daily limits on the card.

New Customers
•New Customers will apply for the Platinum Card using the New Account Opening Forms, which incorporate a section on Debit Cards.
•They will get issued a Visa Platinum Debit Card.

Existing Customers
• Existing Customers who wish to apply for the card will have to fill out a Channel Registration Form.
•They will get issued a Visa Platinum Debit Card.

The IDBI Bank Platinum Card can be issued to the all the customers of Royale Account.

In order to safeguard the interests of the customer the bank will be sending out an inactive Platinum Debit cum ATM Card and will be sending the PIN separately. The Card will get activated on 1st use at the ATM.

The first add on card is issued free of cost for the first year. Any additional add on card will be priced at Rs.500 plus applicable service taxes.

Yes, to avoid fraudulent usage of the card at the merchant establishments.

Q23

You should not keep your Platinum Debit card and PIN together for security reasons. You should not write your PIN on the card.