Indian Bank Debit Card

You can avail Indian Bank ATM/Debit Card if you fall under any of the categories mentioned above. You can get a card if you:

• Hold a savings/current/ proprietorship accounts with Indian Bank. (This is applicable to illiterate and visually impaired individuals as well)
• Are aged above 18 years
• Are a minor above age 12 with your account under IB Smart Kid
• Are a non-resident account holder
• Are a Kisan credit card customer
• Are a Mudra account customer

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

• Indian Bank debit cards are available for different usage types, such as for contactless payments, and international transactions. Also Check: Best Credit Cards for International Usage
• The debit cards by Indian Bank are also available to senior citizens, Mudra account holders, PMJDY account holders, and even for digital account holders.
• The bank offers personalized debit cards to senior citizens with photo, blood group, and date of birth affixes on the card.
• All Indian Bank debit cards are issued free of charge and are applicable with NIL annual maintenance charges for the first year. Additionally, you can avail free cash withdrawal transactions at Indian Bank ATMs.
• You can enjoy a higher limit 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.
• 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

In general, an Indian Bank debit card is issued when you open a saving, current, or proprietorship account with Indian Bank. However, if you want to apply for a specific debit card with Indian Bank, you must contact the bank directly. For this, you can either consider contacting Indian Bank customer care, or you can submit the debit card application form at your nearest Indian Bank Branch. Click here to download the Indian Bank Debit Card Form.

Additionally, if you are looking for an Indian Bank debit card apply online procedure, you can either consider Internet Banking (Click here to access Indian Bank Internet Banking) or you can opt to apply for a debit card online via Internet Banking mobile banking app IndOASIS. The mobile banking app is available for both android and apple users at Google Play Store/ Apple App Store.

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.
** Additional postal/courier charges are applicable.

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 in 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. You can also specifically find the right card as per your preferred withdrawal and POS limits and request for a card upgrade.

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. 20 per transaction (Rs. 100 plus taxes in the case of MasterCard International cards).

Q. What is the limit for Indian Bank Debit Cards?

The limit 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.