IDFC FIRST World debit card

"Starting April 2026, Domestic Lounge benefit will be available for the quarter only if you maintain the required Average Monthly Balance (AMB) in your account for all three months of the previous quarter... The AMB maintenance criteria will be checked for each month and will not be cumulative over the quarter." (Domestic-lounge-Terms-and-Conditions.pdf). Card page footnote: "*Lounge benefit availability is subject to maintaining the required balance as per the terms and conditions of your account variant." This is a BALANCE gate, not a spend gate; the bank does not publish the AMB rupee amount in the lounge T&C - it varies by savings-account variant. No monthly/quarterly spend condition is published.

Self only. The bank's domestic lounge T&C table lists this variant as "1 (Self Only)" / "2 (Self Only)" - no complimentary companion. "Paid access: In addition to the complimentary access - cardholders are also entitled to unrestricted (chargeable) access for himself/herself and for his/her accompanying guests."

Domestic: "Visits exceeding the complimentary access quota will be chargeable by the lounge at prevailing rate and billed to the card holder. Access will be provided basis successful debit only." Every domestic entry also carries a refundable INR 2 authentication charge.

Marketed by the bank as "World Debit Mastercard". Domestic-only; no international lounge programme is offered on this card, and the bank's international lounge T&C restricts complimentary LoungeKey access to FIRST Private and FIRST Wealth. Domestic T&C: https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/Domestic-lounge-Terms-and-Conditions.pdf.