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

Visa Signature Debit Card

38
Ranked #11 of 66 in debit
debitVisaPremium

IDFC First Bank's Visa Signature debit card offering lounge access and comprehensive insurance coverage, available exclusively to FUTURE FIRST and Women Power account holders.

Score breakdown

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

Reward value21/100 · weight 71%
≈ 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 12%
Redemption flexibility92/100 · weight 9%
Perks35/100 · 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, offered only in FUTURE FIRST Savings account and Women Power 25K AMB account
Forex markup
2%

Lounge access

Domestic (per year)
8
International (per year)
0

Reward structure

CategoryTypeRateCapNotes
travelcashback2%——
all_spendscashback1%——

Welcome offer

None specified

Milestone benefits

Pros

  • Strong insurance suite
  • lounge access included
  • zero unauthorized-transaction liability upon notification
  • genuinely free within eligible account types

Cons

  • Restricted to two specific account variants (FUTURE FIRST, Women Power 25K AMB) — not universally available

Insurance cover

text
₹NaN

Eligibility

text
Offered only in FUTURE FIRST Savings account and Women Power 25K AMB account variants

Small print

Fuel surcharge:Not a highlighted benefit