Indian Bank Debit Card – Types, Features, Benefits, Fees & Charges

You can avail Indian Bank ATM/Debit Card you must meet the following criteria:

• Hold a Savings/ Current/ Proprietorship account with Indian Bank. (This is applicable to illiterate and visually impaired individuals as well)
• Minimum age: 18 years or above and Minor above 10 years with your account under IB Smart Kid
• NRIs with an Indian Bank Account are also eligible
• Hold Kisan Credit Card or a Mudra loan account

Some of the features and benefits of Indian Bank Debit Cards are:

• Supports Multiple Usage Types, such as for contactless payments, and international transactions (on select variants)
• Available to Senior Citizens, Mudra account holders, PMJDY (Pradhan Mantri Jan Dhan Yojana) account holders, and even for digital account holders
• Higher Limits on your Indian Bank ATM card with ATM limits ranging from Rs. 10,000 to up to Rs. 1 Lakh and POS limits ranging from Rs. 10,000 to Rs. 2 Lakh
• Issued Free of Charge and are applicable with NIL annual maintenance charges for the first year
• Personalized Debit Cards are offered to senior citizens featuring photograph, blood group, and date of birth printed on the card
• Similar to Credit Cards, Indian Bank debit cards come equipped with benefits such as access to airport lounge access, complimentary insurance covers, and joining/milestone benefits.

Also Read: Best Credit Cards with Welcome/Activation Benefits | Best Credit Card for Airport Lounge Access

Generally, Indian Bank debit cards are issued as soon as you open a Savings, Current, or Proprietorship account with the bank. So, you can follow the below mentioned offline and online methods to apply for an Indian Bank debit card:

Offline Debit Card Application Method

• To apply for a specific debit card offline, you need to contact Indian Bank directly by Calling Indian Bank customer care, or submitting the debit card application form at your nearest Indian Bank branch

Click here to download the Indian Bank Debit Card Form.

Online Debit Card Application Method

• Use Internet Banking to apply online
• Use the IndOASIS mobile banking app available on Google Play Store (Android users) and Apple App Store (iOS users)

Fee and charges associated with Indian Bank Debit cards are listed as follows:

* Annual Maintenance Charges are not applicable on Senior Citizen Debit Cards and Biometric Debit Cards.

Note: Revision of ATM Debit card membership fees and maintenance charges are w.e.f. 8th August 2025.

Note that in case you exceed the free limits on your Indian Bank Debit Card, you are liable to pay the following charges:

• For exceeding free limit transactions in a month on other banks’ ATMs: Rs. 23 per transaction
• For exceeding free limit transactions in a month on Mastercard International cards: Rs. 100 plus taxes

Q. Which debit card is best offered by Indian Bank?

Indian Bank offers a variety of debit/ATM cards in RuPay and MasterCard variants. However, the best card amongst these is a subjective choice, based on the benefit you are looking for. For instance, if you are looking for all-rounder benefits on your debit card, you can consider RuPay Debit Select Debit Card, as the best variant, as the card offers contactless payments, activation & milestone benefits, lounge access, and higher limits.

Additionally, you can check specific cards suitable for different customer segments such as senior citizens, MUDRA loan customers, and PMJDY account holders in the above table.

Suggested Read: 25 Best Credit Cards in India

Q. How can I get an ATM card from Indian bank?

You can get your ATM/Debit card from Indian Bank when you open a savings, current, or proprietorship account with the bank. However, if you wish you upgrade your card to a better Indian bank variant, you can contact the bank directly through customer care or by visiting your nearest Indian bank ATM branch.

Q. What are Indian bank debit card charges?

The fees and charges applicable on Indian Bank debit cards vary from card to another. The different debit card fees & charges associated with Indian Bank cards are mentioned here.

Q. Is Indian bank debit card free?

Indian Bank charges NIL annual maintenance charge for the first year on all debit cards but this fee is applicable from the second year onward. Additionally, you are also charged for exceeding the free withdrawal limit on ATMs, which is Rs. 23 per transaction.

Q. What are the limits for Indian bank debit cards?

The limits for Indian Bank Debit cards varies from one card to another. In general, the cash withdrawal limit ranges from Rs. 10,000 to Rs. 1 Lakh, whereas, the limit for POS transactions ranges from Rs. 10,000 to Rs. 2 lakh. The withdrawal transaction limit on other bank ATMs is 3 free transactions per month in metro cities and 5 free transactions per month in non-metro cities.