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debit cards
1.
2. 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debit card transaction, the amount of a purchase is withdrawn from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.
3. 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.
4. 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
5. 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
8. 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
9.
10. 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
11. 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.
12. 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
13. 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
14. 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
15. 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
16. 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
17.
18. 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
19. 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).
20. 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
21. 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
22. 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
23. 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
24. 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.
25. 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/-.
28. 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
29. 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.
