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debit cards

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comparison of debit cards

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debit cards

  1. 1. DEBIT CARD  Bank card used in cash transactions, but which is not a credit card. In a debit card transaction, the amount of a purchase is withdrawn from the available balance in the cardholder's account. If the available funds are insufficient, the transaction is not completed. Also called asset card (in the US), or payment card (in the UK)  The debit card had limited popularity in India as the merchant is charged for each transaction. The debit card was mostly used for ATM transactions. RBI has announced that such fee are not justified so the transaction has no processing fee. Most Indian banks issue Visa debit cards, though some banks (like SBI and Citibank India) also issue Maestro cards. The debit card transactions are routed through Visa or MasterCard networks in India and overseas rather than directly via the issuing bank.
  2. 2. Why is 2nd Level authentication made mandatory for all Card related online transactions? All online card transactions, as per RBI’s mandate, need to have a second level authentication when a transaction is made. Hence the cards need to be registered for Verified by Visa(VBV)or MasterCard Secure Code to complete an online transaction. A transaction can be carried out only on those websites that are Verified by Visa or MasterCard Secure Code enabled.
  3. 3. NAME OF BANK CARD FEATURE NO. OF CARDS State Bank of India Debit Card MasterCard and RuPay 10 .HDFC Bank Debit Card Visa and MasterCard Secure 11 ICICI Bank Debit Card Visa and MasterCard Secure 31 cards Axis Bank Debit Card 17 PNB debit card MasterCard and RuPay 5 Canara Bank Debit Card MasterCard or Visa 2 Bank of India Debit Card MasterCard, Visa and RuPay 14 Bank of Baroda Debit Card Visa, MasterCard and RuPay 6
  4. 4. Yes Bank debit card MasterCard 4 Standard Chartered debit card 7 IndusInd Bank Debit Card Visa 4 HSBC Debit Card Visa 11 Syndicate Bank Debit Card Visa and MasterCard Secure 6 Union Bank of India Debit Card Visa 2
  5. 5. CARDS NAME INSURANCE REPLACEMENT CH. ANNUAL CH. HIGHEST LIMIT FUEL BENFIT JET PRIVILIGE 25 LAC+50,000 200 500+TAX 3 LAC NO SURCHARG E IMPERIA PLATINUM 10 LAC+50,000 200 750+TAX 1 LAC + 2.75 LAC NO SURCHARG E PLATINUM 10 LAC 200 750+TAX 1 LAC + 2.75 LAC NO SURCHARG E TITANIUM ROYAL 200 400+TAX 75,000 + 1.75 LAC NO SURCHARG E GOLD 5 LAC 200 750+TAX 50,000 + 2.75 LAC NO SURCHARG E TITANIUM 200 250+TAX 75000 + 1.75 LAC NO SURCHARG
  6. 6. RU PAY 20 LAC 200 150+TAX 25000 + 1.25 LAC NO SURCHARG E NRO 200 150+TAX 25000 + 1.75 LAC CHARGE AS PER INDUSTRY PRACTICE WOMEN CARD 5 LAC 200 150+TAX 25000 + 1.75 LAC NO SURCHARG E BUSINESS 2 LAC (F&B) 200 250+TAX 50,000 + 1.75 LAC NO SURCHARG E EASY SHOP 200 150+TAX 25000 + 1,25,000 NO SURCHARG E
  7. 7. EasyShop Platinum Debit Card Benefit at fuel station: max 750rs. Per month per card Zero Liability on fraudulent Point of Sale usage on lost and stolen cards benefit of the EasyShop Platinum Debit card is that there are absolutely no transaction charges to when shopping at a merchant location. Both NRE and indian resident are eligible (EXCEPT MINOR) Just look for the Visa logo when shopping
  8. 8. EasyShop Titanium Debit Card The EasyShop Titanium Debit card is for Salary Account holders Card security in case your Debit Card gets misplaced or stolen When shopping at merchant locations, just look out for the MasterCard logo.
  9. 9. JetPrivilege HDFC Bank World Debit Card Individual Accountholders (Savings Account/Corporate Salary Accounts/Sole Proprietors)Current Accountholders can avail it. all Debit Card holders are required to use their Debit Card at retail OR on-line stores at least once every 30 days to keep the free Personal Death Insurance cover on their Debit Card active. Privileges on Jet Airways: Avail of a 5% discount* on all domestic air tickets bookings
  10. 10. EasyShop Titanium Royale Debit Card Just look for the MasterCard logo when shopping. benefit of the EasyShop Titanium Royale Debit card is that there are absolutely no transaction charges when shopping at a merchant location
  11. 11. EasyShop Debit Card EasyShop Business Debit Card •with special privileges and discounts from premium outlets for office related products. •Secure your Business with Fire & Baggage Insurance cover of up to Rs. 2 lakhs Who's eligible? Sole proprietorship current accounts Partnership concerns Private Limited Companies Public Limited Companies EasyShop Gold Debit Card
  12. 12. EasyShop NRO Debit Card Only the customers holding an NRO account are eligible for this card EasyShop Women Advantage card You will be entitled to a 50% discount on locker fees for the 1st year. This waiver would be applicable for only one locker per card. EasyShop Imperia Platinum Chip Debit Card the encryption technology of a chip card, which secures the card against fraudulent use. This card offers greater security by storing & processing information in a secure manner. Both Residents and NREs can apply
  13. 13. RuPay Premium Debit Card Benefits Rupay Debit Card can be used at ATMs, merchant outlets in India and Indian websites only. To get a Debit Card that can be used internationally, you visit the nearest branch and request for a Visa / MasterCard Debit Card. 5% CashBack on Utility Bill payments made with your Debit Card Welcome Vouchers - One-time usage offers: Cafe Coffee Day - Buy One Cappuccino, Get One Cappuccino free. The Mobile Store - Up to Rs. 1500 off on select handsets. Merchant Discounts: Cafe Coffee Day - 15% off on a minimum billing of Rs. 300. Service that confirms your identity with an extra password when you make the online transaction This Debit Card is enabled for domestic transactions only from merchant who have the RuPay PaySecure certification displayed on their website
  14. 14. STATE BANK CLASSIC DEBIT CARD Use of State Bank Classic Debit Card: For shopping at over 5 lakh merchant outlets in India. For booking movie tickets, bill payments, travel and other online purchases and payments over the internet using secure •Master Secure Code•/•Verified by Visa•. For withdrawing cash from State Bank Group ATMs or other ATMs in India. Used in india only
  15. 15. STATE BANK SILVER INTERNATIONAL DEBIT CARD Use of State Bank Silver International Debit Card: For shopping at over 5 lakh merchant outlets in India, and over 30 million worldwide. For booking movie tickets, bill payments, travel and other online purchases and payments over the internet using secure •Master Secure Code•/•Verified by Visa•. For withdrawing cash from State Bank Group ATMs or other ATMs in India and worldwide (ATMs with MasterCard/Maestro/Visa logo).
  16. 16. STATE BANK GLOBAL INTERNATIONAL DEBIT CARD Use of State Bank Global International Debit Card For shopping at over 6 Lakh merchant outlets in India, and over 30 million worldwide. For booking movie tickets, bill payments, travel and other online purchases and payments over the internet using secure ‘Master Secure Code'/‘Verified by Visa'. Global use ELECTRONIC CHIP for security
  17. 17. STATE BANK GOLD INTERNATIONAL DEBIT CARD Use of State Bank Gold International Debit Card For shopping at over 5 Lakh merchant outlets in India, and over 30 million worldwide. For booking movie tickets, bill payments, travel and other online purchases and payments over the internet using secure •Master Secure Code•/•Verified by Visa•. Global use
  18. 18. STATE BANK PLATINUM INTERNATIONAL DEBIT CARD Use of State Bank Platinum International Debit Card For shopping at over 5 Lakh merchant outlets in India, and over 30 million worldwide. For booking movie tickets, bill payments, travel and other online purchases and payments over the internet using secure •Master Secure Code•/•Verified by Visa•.global use  free insurance of rs 5 lacs.  protection from theft upto 90 days upto rs 50000
  19. 19. Use of sbiINTOUCH Tap & Go Debit Card: *International card Shopping at 10 lakh merchant outlets in India and over 30 million worldwide accepting Card Payments. *For withdrawing cash from State Bank Group ATMs or other ATMs in India and worldwide (ATMs with MasterCard/Maestro/Visa/Rupay logo). *global use. 100 bonus points on 1 st purchase tansaction 100 on 2nd 200 on 3rd Chip card Sbi INTOUCH Tap & Go Debit Card
  20. 20. Use of State Bank Mumbai Metro Combo Card : For travel in Mumbai Metro Trains conveniently For shopping at over 10 lakh merchant outlets in India, and over 30 million worldwide. For booking movie tickets, bill payments, travel, other online purchases and payments over the internet using Master Secure Code. For withdrawing cash from State Bank Group ATMs or other ATMs in India and worldwide (ATMs with MasterCard/Maestro/Visa logo). STATE BANK MUMBAI METRO COMBO CARD Travel Benefits of the Mumbai Metro Combo Card are Freedom from queues at Metro Ticket counters Straight access to the entry gate for travel on Mumbai Metro by just tapping the combo card Frequent offers from Mumbai Metro CARD TO CARD TRANDFER:15000/TRANSAC.
  21. 21. ATM CUM DEBIT CARDS - PRECAUTIONS FOR SECURE CARD TRANSACTIONS 1. Change your PIN after first usage & periodically after that. 2. Never keep the PIN with the card. Never write it on the card. Best to memorize it. 3. Hide keypad with one hand while keying in your PIN at ATM / POS terminals. 4. Do not let strangers come in to the ATM room while you are doing your transaction, and do not take help of strangers at ATM. 5. Block and destroy your old card, when you get a new one.. 6. Don't transact if you observe any attachments or unusual devices connected to the ATM. 7. Check your account statement periodically. 8. If you lose your card Hot list it immediately. Call 1800-112211. 9. Do not provide ATM card & PIN details to anyone, not even to the Bank / IBA / RBI / Govt. Agency. Bank or any other institution will never ask for this information. 10. Register your Mobile number at the ATM / Branch to get SMS alerts for all transactions above Rs.5000/-.
  22. 22. CARD NAME Classic SILVER INTERNAT- IONAL GLOBAL INTERNATI ONAL GOLD INTERNATI ONAL PLATINUM INTERNATI ONAL Cash Withdrawl Limit 40,000 40,000 40,000 50,000 1,00,000 Min Cash Withdrawl 100 100 500 500 500 Annual Fee 100 150+TAX 150+TAX 150+TAX 200+tax Card replacement charge 204 204 204 204 204 Issuance Charges NIL NIL NIL NIL 300 Free Insurance (Accidental Death Only) NIL NIL - 2 Lakh 5 Lakh Type Domestic International International International International
  23. 23. Card name MUMBAI METRO CARD sbiINTOUCH TAP &GO CARD Cash withdrawl limit 40,000 40,000 Minimum 100 100 Annual charge 150 150 Issuance charge 100 NIL Card replacement charge 204 204 type Domestic Domestic
  24. 24. How do I choose a debit card? Customers holding savings or current accounts must always choose a debit card suitable to their accounts and the expenses they would incur. Compare a few debit cards before you actually make your choice. Understand what each card offers, the fees levied, the services offered and the minimum balance requirements before signing off on a card. Additionally some debit cards also offer rewards programs and these would be beneficial to higher spenders. Also make sure that while performing e- commerce or online transactions, the bank and the payment platforms are secure to avoid any fraudulent activity on your debit cards. Always choose a card best suited to your financial needs and not because the card is packed with privileges and offers.

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