RuPay Classic NCMC Card

RuPay Classic NCMC banner RuPay Classic NCMC banner

RuPay Classic

About The Card

  • Cash withdrawal limit of Rs. 25,000 and purchase limit at Point of Sale (POS) of Rs. 50,000 in a day.
  • Simply wave/tap the card on the contactless Point of Sale (PoS) and pay without entering PIN for purchases upto Rs. 5000.
  • NCMC Cards will support small value offline transactions till Rs. 200.


Cash withdrawal limit of Rs. 25,000 and purchase limit at Point of Sale (POS) of Rs. 50,000 in a day.
Limits are per day/per card and are subject to the available balance in the customer’s account.

The Classic Debit Card can be used both in India and abroad to make purchases at Merchant locations and withdraw local currency at ATMs. The customer is debited in INR. All transactions are reflected in the account statement in INR and merchant location details are captured

We make tie-ups with different merchants from time to time to offer discounts to our Debit Card holders. Customers can avail of this discount by making purchases through the Debit Card at these merchant locations

The Debit Card can be used online, for shopping, booking air/rail/movie tickets & utility bill payments

Effective, 01st April' 2020, all existing and new classic card issued to IDBI Savings and Current Account customers will not be eligible for Accidental Death or Permanent Total Disability Insurance coverage of Rs. 1 lakh as per communication received from NPCI vide circular no. “NPCI/2019-20/RuPay/003 dated 23rd May, 2019”.

Customers will gain one loyalty point for every Rs. 100 spent on the Debit Card.

# Loyalty point reward structure as well as reward of loyalty points for different merchant


Particulars Charges
Issuance Fees Rs.150/- + taxes
Annual Fees Rs.220/- + taxes
Add-on / Additional Card Rs.220/- + taxes
Replacement Rs.220/- + taxes
Repin(in case of Physical PIN request) Rs.50/- + taxes

*Fee depends upon SOF of Scheme code of account under which account is opened.

How To Apply

As RuPay Classic NCMC Card are issued on the basis of account opening form, if you have not opted for card while opening the account and would like to avail the same, for further details

01. Get In Touch

Call on our Phone Banking numbers - Toll Free -
1800-209-4324 (24x7 service)

02. write to

Find the Nearest Branch