Unverified draft. Fees, reward rates, and perks below are LLM-generated seed data pending admin verification. Cross-check on the bank's official page before relying on them.

#13 of 70 in debit

IDFC First Bank

Visa Signature Debit Card

debitVisasignatureProvisional score

IDFC First flagship debit card, lifetime free.

Score breakdown

Data completeness: 55% · Last verified: 06 Jul 2026

Reward value21/100 · weight 65%

≈ 1.06% effective on the standard basket (eligible spend only)

Wide-coverage rewards: +0.6% score bonus — earns broadly without narrow category restrictions.

Fee efficiency100/100 · weight 11%

Redemption flexibility92/100 · weight 8%

Perks41/100 · weight 8%

Devaluation risk70/100 · weight 8%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee: —
Annual fee: Lifetime free
Forex markup: 3%

Lounge access

Domestic (per year): 8
International (per year): 2

Confirmed devaluation alerts

No confirmed devaluations tracked for this card. That doesn't mean none exist — see the neutral 70/100 devaluation-risk sub-score above.

Reward structure

Category	Type	Rate	Cap	Notes
travel	cashback	2%	—	—
all_spends	cashback	1%	—	—