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To cater to people’s diverse needs, Indian Banks provide different types of debit cards. Such debit cards help ease the withdrawal process and offer additional benefits in the form of rewards, cashback, and lounge access, among others. But for sure, you need to have a bank account with an Indian bank to get a debit card from an Indian bank.
According to how they use and their needs for the card, these debit card alternatives are made or crafted to fit the needs of different users.
Indian Bank Debit Card Indian Bank Debit Cards are crafted to woo customers with maximum benefits and comfort.
Indian Bank provides ATM cum debit cards for making cash withdrawals, online shopping and paying bills. The following images are of Indian bank DEBIT cards, and their special feature and benefits are described below:
Types of Indian Bank Debit Cards Offered:
#1. PMJDY Card
Pradhan Mantri Jan Dhan Yojana (PMJDY) program was launched to extend financial services to people who can not afford the same places such as bank accounts, insurance coverage, remittances, credit and pension. This debit card will be limited to PMJDY account holders.
#2. MUDRA Card
This account is specifically reserved for working capital loans. Mudra cards can be utilized for seeking credit from these institutions at a low cost. This Indian Bank MUDRA Debit Card is a RuPay-based payment card for the MUDRA borrowers of MSME.
#3. Senior Citizen Debit Card
Indian Bank has also come out with a special debit card for senior citizens. An innovative citizen debit card This one is also the same but with addition of photo of people, their blood group, and date of birth on the card being handed over to them.
#4. RuPay Debit Select Card
You will get to earn joining points and milestone rewards when you swipe with this best rupay category Indian Bank debit card. The card offers built-in personal accident insurance up to Rs. 10 lacks. You will get some discounts for some other services and one of the best benefits is the access to the airport lounge.
#5. E–Purse
E-Purse is an award-winning Platinum card product. It’s a debit card that also functions like a wallet. This card can be distributed to loved ones as an allowance or as a way for them to manage money. E-Purse: You can apply for an E-Purse via Internet Banking. You may transfer money from the account to E-Purse in IndPay/ Internet banking.
#6. RuPay Platinum Card
RuPay is a domestic card and you can avail your money only in India. ATMs have a usage cap of Rs 50,000 and point-of-sale machines (PoS) of Rs 100,000. The card lets you in airport lounges, dodge fuel surcharges and avail of a good chunk of other promotions.
#7. MasterCard World
An internationally recognized international debit card is the Indian Bank MasterCard World. The value limit would be Rs 50 000 per ATM transaction and Rs one lakh for POS transactions and online purchases.
#8. Image Card (My Design Card)
Now, you can even choose the background image for your debit card. This is another international debit card widely accepted around the world.
Features and Benefits of Indian Bank Debit Card
Below are features and benefits of Indian Bank debit cards that make them stylish for customers.
- Indian Bank-issued ATM cards may be used in over 30,000 ATMs.
- Available for different purposes, including touchless shopping and purchases abroad.
- Cards may be issued to various account holders such as Senior citizens- Youths (Rupay card only), PMJDY, Mudra, Farmers( KCC) etc.
- It offers senior citizens custom debit cards with their picture, blood type and birth date.
- Just like Credit Cards, Indian Bank Debit Cards also have benefits, like free insurance, free access to airport lounges, joining offers or milestone gifts.
- The annual fee of the Indian Bank ATM card is nil for the first year. From the Second year, Rs. Fifty will be auto-debited as an Annual Maintenance Charge (AMC) from 2nd year onwards.
- Indian Bank Maestro debit cards can be used for cash withdrawal in 1 million ATMs and PoS(merchant sales) in 23 million stores around the world.
- For Indian Bank Debit Cardholders ATM limit and POS limit are Rs.10,000 to Rs 1 lakh and Rs.10,000 to Rs 2 Lakh respectively.
How to Apply For Debit Cards From Indian Banks?
The procedures for applying for Indian Bank Debit Cards are as follows:
- Visit the official bank website in order to apply for an Indian Bank Debit Card in step one.
- Download the debit card application form in step two.
- Please print out the application and complete it with all of your pertinent information.
The final step is to submit it to your home branch for validation. - The debit card will be delivered to your registered address following the final review of all the information.
Eligibility for Indian Bank Debit Card
In addition to that, there is an option for minors (above 12 years) to avail of a debit card/ ATM from Indian Bank under its IB Smart Kid account programs.
- NRIs can use an ATM or a debit card from Indian Bank.
- Kisan credit cards and Mudra account holders are also options to receive ATM or debit cards from Indian Bank.
- Imagine if you are an owner of a proprietorship/ current/ savings account in an Indian Bank- a blind or an illiterate person. You are now eligible for an Indian Bank ATM/Debit Card.
- Eligibility to view Indian Bank ATM or debit card: You need to have a minimum age of 18 years to apply for an Indian Bank ATM or Debit card.
Conclusion
A debit card is issued along with the savings or current or business account to the account holder of Indian Bank. If you’d like to apply for a specific debit card, you’ll need to speak to Indian Bank directly. You can do how to do that Contact the indian bank customer care Number or You can fill the Debit card Application at Nearest Indian Bank Branch.