CardAgent
Verified by CardAgent admin · last checked 08 Jul 2026
IDFC First Bank

IDFC First Platinum Debit Card

29
Ranked #23 of 66 in debit
debitVisaMid

IDFC First Bank's mid-tier Platinum debit card offering strong insurance coverage, higher transaction limits, and lounge access at zero cost.

Score breakdown

Data completeness: 70% · Last verified: 09 Jul 2026

Reward value10/100 · weight 71%
≈ 0.50% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +0.4% score bonus — earns broadly without narrow category restrictions.
Fee efficiency100/100 · weight 12%
Redemption flexibility92/100 · weight 9%
Perks28/100 · weight 9%

Fees

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

Joining fee
—
Annual fee
Lifetime free
Waiver: Genuinely lifetime free for the debit card itself
Forex markup
2%

Lounge access

Domestic (per year)
4
International (per year)
0

Reward structure

CategoryTypeRateCapNotes
online_spendscashback10%₹250 / monthly10% cashback on movie tickets booked via Paytm Movies
groceriespoints0.75%(3 pts @ ₹0.25)—3 Points for every Rs 100 on hypermarket transactions

Welcome offer

None specified

Milestone benefits

Pros

  • Higher transaction limits (Rs2L ATM, Rs6L purchase) than base Classic tier
  • strong insurance suite (Rs1Cr air accident)
  • lounge access included
  • pharmacy/lifestyle/healthcare deals
  • genuinely free

Cons

  • Lounge access is balance-conditional

Insurance cover

text
₹NaN

Eligibility

text
IDFC First Bank savings account holder

Small print

Fuel surcharge:Not a highlighted benefit