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title="HDFC Credit Cards" aria-label="HDFC Credit Cards">HDFC Credit Cards</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/sbi-credit-card.html" title="SBI Credit Cards" aria-label="SBI Credit Cards">SBI Credit Cards</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/indusind-credit-card.html" title="Indusind Bank Credit cards" aria-label="Indusind Bank Credit cards">Indusind Bank Credit cards</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/credit-card/top-10-credit-cards-in-india.html" title="Top 10 Credit Cards" aria-label="Top 10 Credit Cards">Top 10 Credit Cards</a></li></ul></div></details></div><div class="border bg-transparent hover:bg-transparent text-sm"><details name=":R564l:" class="px-4 py-4"><summary class="cursor-pointer block relative"><strong><svg xmlns="https://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-school mr-2 h-full"><path d="M14 22v-4a2 2 0 1 0-4 0v4"></path><path d="m18 10 4 2v8a2 2 0 0 1-2 2H4a2 2 0 0 1-2-2v-8l4-2"></path><path d="M18 5v17"></path><path d="m4 6 8-4 8 4"></path><path d="M6 5v17"></path><circle cx="12" cy="9" r="2"></circle></svg>Home Loans <span class="accordion-arrow absolute right-2.5"><svg xmlns="https://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down"><path d="m6 9 6 6 6-6"></path></svg></span></strong></summary><div class="py-2.5"><ul class="list-none "><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/home-loan.html" title="Compare Home Loans" aria-label="Compare Home Loans">Compare Home Loans</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/home-loan/emi-calculator.html" title="Home Loan Calculator" aria-label="Home Loan Calculator">Home Loan Calculator</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/home-loan-interest-rate.html" title="Home Loan Interest Rates" aria-label="Home Loan Interest Rates">Home Loan Interest Rates</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/home-loan-eligibility.html" title="Home Loan Eligibility" aria-label="Home Loan Eligibility">Home Loan Eligibility</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/home-loan-balance-transfer.html" title="Home Loan Transfer" aria-label="Home Loan Transfer">Home Loan Transfer</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/home-loan/pradhan-mantri-awas-yojana.html" title="PMAY" aria-label="PMAY">PMAY</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/sbi-home-loan.html" title="SBI Home Loan" aria-label="SBI Home Loan">SBI Home Loan</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/hdfc-home-loan.html" title="HDFC Home Loan" aria-label="HDFC Home Loan">HDFC Home Loan</a></li></ul></div></details></div><div class="border bg-transparent hover:bg-transparent text-sm"><details name=":R764l:" class="px-4 py-4"><summary class="cursor-pointer block relative"><strong><svg xmlns="https://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-indian-rupee mr-2 h-full"><path d="M6 3h12"></path><path d="M6 8h12"></path><path d="m6 13 8.5 8"></path><path d="M6 13h3"></path><path d="M9 13c6.667 0 6.667-10 0-10"></path></svg>Personal Loans <span class="accordion-arrow absolute right-2.5"><svg xmlns="https://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down"><path d="m6 9 6 6 6-6"></path></svg></span></strong></summary><div class="py-2.5"><ul class="list-none "><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/personal-loan.html" title="Compare Personal Loans" aria-label="Compare Personal Loans">Compare Personal Loans</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/personal-loan/emi-calculator.html" title="Personal Loan Calculator" aria-label="Personal Loan Calculator">Personal Loan Calculator</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/personal-loan-interest-rate.html" title="Personal Loan Interest Rates" aria-label="Personal Loan Interest Rates">Personal Loan Interest Rates</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/personal-loan-eligibility.html" title="Personal Loan Eligibility" aria-label="Personal Loan Eligibility">Personal Loan Eligibility</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/sbi-personal-loan.html" title="SBI Personal Loan" aria-label="SBI Personal Loan">SBI Personal Loan</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/hdfc-personal-loan.html" title="HDFC Personal Loan" aria-label="HDFC Personal Loan">HDFC Personal Loan</a></li></ul></div></details></div><div class="border bg-transparent hover:bg-transparent text-sm"><details name=":R964l:" class="px-4 py-4"><summary class="cursor-pointer block relative"><strong><svg xmlns="https://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-indian-rupee mr-2 h-full"><path d="M6 3h12"></path><path d="M6 8h12"></path><path d="m6 13 8.5 8"></path><path d="M6 13h3"></path><path d="M9 13c6.667 0 6.667-10 0-10"></path></svg>Other Loans <span class="accordion-arrow absolute right-2.5"><svg xmlns="https://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down"><path d="m6 9 6 6 6-6"></path></svg></span></strong></summary><div class="py-2.5"><ul class="list-none "><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/car-loan.html" title="Car Loan" aria-label="Car Loan">Car Loan</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/two-wheeler-loan.html" title="Two Wheeler Loan" aria-label="Two Wheeler Loan">Two Wheeler Loan</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/education-loan.html" title="Education Loan" aria-label="Education Loan">Education Loan</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/gold-loan.html" title="Gold Loan" aria-label="Gold Loan">Gold Loan</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/home-loan/loan-against-property.html" title="Loan Against Property" aria-label="Loan Against Property">Loan Against Property</a></li></ul></div></details></div><div class="border bg-transparent hover:bg-transparent text-sm"><details name=":Rb64l:" class="px-4 py-4"><summary class="cursor-pointer block relative"><strong><svg xmlns="https://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-calculator mr-2 h-full"><rect width="16" height="20" x="4" y="2" rx="2"></rect><line x1="8" x2="16" y1="6" y2="6"></line><line x1="16" x2="16" y1="14" y2="18"></line><path d="M16 10h.01"></path><path d="M12 10h.01"></path><path d="M8 10h.01"></path><path d="M12 14h.01"></path><path d="M8 14h.01"></path><path d="M12 18h.01"></path><path d="M8 18h.01"></path></svg>Calculators <span class="accordion-arrow absolute right-2.5"><svg xmlns="https://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down"><path d="m6 9 6 6 6-6"></path></svg></span></strong></summary><div class="py-2.5"><ul class="list-none "><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/finance-tools/emi-calculator.html" title="EMI Calculator" aria-label="EMI Calculator">EMI Calculator</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/home-loan/emi-calculator.html" title="Home Loan EMI Calculator" aria-label="Home Loan EMI Calculator">Home Loan EMI Calculator</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/personal-loan/emi-calculator.html" title="Personal Loan EMI Calculator" aria-label="Personal Loan EMI Calculator">Personal Loan EMI Calculator</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/car-loan/emi-calculator.html" title="Car Loan EMI Calculator" aria-label="Car Loan EMI Calculator">Car Loan EMI Calculator</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/tax/income-tax-calculator.html" title="Income Tax Calculator" aria-label="Income Tax Calculator">Income Tax Calculator</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/fixed-deposit/fd-calculator.html" title="FD Calculator" aria-label="FD Calculator">FD Calculator</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/recurring-deposit/rd-interest-calculator.html" title="RD Calculator" aria-label="RD Calculator">RD Calculator</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/calculators.html" title="All Financial Calculators" aria-label="All Financial Calculators">All Financial Calculators</a></li></ul></div></details></div><div class="border bg-transparent hover:bg-transparent text-sm"><details name=":Rd64l:" class="px-4 py-4"><summary class="cursor-pointer block relative"><strong><svg xmlns="https://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-indian-rupee mr-2 h-full"><path d="M6 3h12"></path><path d="M6 8h12"></path><path d="m6 13 8.5 8"></path><path d="M6 13h3"></path><path d="M9 13c6.667 0 6.667-10 0-10"></path></svg>Investments <span class="accordion-arrow absolute right-2.5"><svg xmlns="https://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down"><path d="m6 9 6 6 6-6"></path></svg></span></strong></summary><div class="py-2.5"><ul class="list-none "><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/fixed-deposit-rate.html" title="Fixed Deposit" aria-label="Fixed Deposit">Fixed Deposit</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/recurring-deposit-rates.html" title="Recurring Deposit" aria-label="Recurring Deposit">Recurring Deposit</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/savings-account.html" title="Savings Account" aria-label="Savings Account">Savings Account</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/saving-schemes.html" title="Saving Schemes" aria-label="Saving Schemes">Saving Schemes</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/gold-rate-india.html" title="Gold Rate" aria-label="Gold Rate">Gold Rate</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/silver-rate-india.html" title="Silver Rate" aria-label="Silver Rate">Silver Rate</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/mutual-fund.html" title="Mutual Funds" aria-label="Mutual Funds">Mutual Funds</a></li></ul></div></details></div><span><a href="/credit-score.html" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 minW-auto bg-inherit text-inherit hover:bg-inherit no-underline h-auto text-wrap font-medium focus-visible:ring-0 w-full py-4"><svg xmlns="https://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-wallet-cards mr-2 h-full"><rect width="18" height="18" x="3" y="3" rx="2"></rect><path d="M3 9a2 2 0 0 1 2-2h14a2 2 0 0 1 2 2"></path><path d="M3 11h3c.8 0 1.6.3 2.1.9l1.1.9c1.6 1.6 4.1 1.6 5.7 0l1.1-.9c.5-.5 1.3-.9 2.1-.9H21"></path></svg><span class="flex-auto "><strong><p class="text-sm ">Credit Score</p></strong></span><img src="https://www.bankbazaar.com/images/common/bbicons-menu-free-badge.webp" alt="FREE" title="FREE" width="40" height="20" style="max-width:100%;display:inline"/></a></span><div class="border bg-transparent hover:bg-transparent text-sm"><details name=":Rh64l:" class="px-4 py-4"><summary class="cursor-pointer block relative"><strong><svg xmlns="https://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-file-text mr-2 h-full"><path d="M15 2H6a2 2 0 0 0-2 2v16a2 2 0 0 0 2 2h12a2 2 0 0 0 2-2V7Z"></path><path d="M14 2v4a2 2 0 0 0 2 2h4"></path><path d="M10 9H8"></path><path d="M16 13H8"></path><path d="M16 17H8"></path></svg>Govt. Utility Documents <span class="accordion-arrow absolute right-2.5"><svg xmlns="https://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down"><path d="m6 9 6 6 6-6"></path></svg></span></strong></summary><div class="py-2.5"><ul class="list-none "><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/pan-card.html" title="Pan Card" aria-label="Pan Card">Pan Card</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/aadhar-card.html" title="Aadhaar Card" aria-label="Aadhaar Card">Aadhaar Card</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/voter-id.html" title="Voter ID" aria-label="Voter ID">Voter ID</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/electricity-bill.html" title="Electricity Bill" aria-label="Electricity Bill">Electricity Bill</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/driving-licence.html" title="Driving Licence" aria-label="Driving Licence">Driving Licence</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/passport.html" title="Passport" aria-label="Passport">Passport</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/visa.html" title="Visa" aria-label="Visa">Visa</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/gas-connection.html" title="Gas Connection" aria-label="Gas Connection">Gas Connection</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/ration-card.html" title="Ration Card" aria-label="Ration Card">Ration Card</a></li></ul></div></details></div><span><a href="/getapp.html" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 minW-auto bg-inherit text-inherit hover:bg-inherit no-underline h-auto text-wrap font-medium focus-visible:ring-0 w-full py-4"><span class="mr-2"><img src="https://www.bankbazaar.com/images/common/bbicons-menu-download-app.webp" alt="Download App" title="Download App" width="25" height="28" style="max-width:100%;display:inline"/></span><span class="flex-auto "><strong><p class="text-sm ">Download Mobile App</p></strong></span><img src="https://www.bankbazaar.com/images/common/bbicons-menu-android-star-badge.webp" alt="Badge" title="Badge" width="12" height="20" style="max-width:100%;display:inline"/></a></span><div class="border bg-transparent hover:bg-transparent text-sm"><details name=":Rl64l:" class="px-4 py-4"><summary class="cursor-pointer block relative"><strong><svg xmlns="https://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-umbrella mr-2 h-full"><path d="M22 12a10.06 10.06 1 0 0-20 0Z"></path><path d="M12 12v8a2 2 0 0 0 4 0"></path><path d="M12 2v1"></path></svg>Insurance <span class="accordion-arrow absolute right-2.5"><svg xmlns="https://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down"><path d="m6 9 6 6 6-6"></path></svg></span></strong></summary><div class="py-2.5"><ul class="list-none "><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/insurance/life-insurance.html" title="Term Life Insurance" aria-label="Term Life Insurance">Term Life Insurance</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/insurance/car-insurance.html" title="Car Insurance" aria-label="Car Insurance">Car Insurance</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/insurance/health-insurance.html" title="Health Insurance" aria-label="Health Insurance">Health Insurance</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/insurance/two-wheeler-insurance.html" title="Two Wheeler Insurance" aria-label="Two Wheeler Insurance">Two Wheeler Insurance</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/insurance/travel-insurance.html" title="Travel Insurance" aria-label="Travel Insurance">Travel 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India">Airport Lounge Access Debit Cards in India</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/debit-card/new-atm-transaction-charges.html" title="ATM Withdrawal Limits & Transaction Charges" target="_blank" aria-label="ATM Withdrawal Limits & Transaction Charges">ATM Withdrawal Limits & Transaction Charges</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/debit-card/steps-to-change-your-sbi-atm-pin-online.html" title="How to Change your SBI ATM PIN Online?" target="_blank" aria-label="How to Change your SBI ATM PIN Online?">How to Change your SBI ATM PIN Online?</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/debit-card/how-you-can-enable-your-international-usage-for-sbi-debit-card.html" title="How to Enable International Usage of SBI Debit Cards?" target="_blank" aria-label="How to Enable International Usage of SBI Debit Cards?">How to 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class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/debit-card/steps-to-apply-for-canara-bank-atm-debit-card.html" title="How to Apply for Canara Bank Debit Card?" target="_blank" aria-label="How to Apply for Canara Bank Debit Card?">How to Apply for Canara Bank Debit Card?</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/debit-card/cardless-cash-withdrawal.html" title="How to Withdraw Cash Without Debit Card?" target="_blank" aria-label="How to Withdraw Cash Without Debit Card?">How to Withdraw Cash Without Debit Card?</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/debit-card/amc-atm-card-charges.html" title="AMC (Annual Maintenance Charge) for a Debit Card" target="_blank" aria-label="AMC (Annual Maintenance Charge) for a Debit Card">AMC (Annual Maintenance Charge) for a Debit Card</a></li></ul><h4 class="text-sm font-bold ">Debit Cards from Top 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Bank Debit Card</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/debit-card/kotak-mahindra-bank-debit-card.html" title="Kotak Mahindra Bank Debit Card" target="_blank" aria-label="Kotak Mahindra Bank Debit Card">Kotak Mahindra Bank Debit Card</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/debit-card/axis-bank-debit-card.html" title="Axis Bank Debit Card" target="_blank" aria-label="Axis Bank Debit Card">Axis Bank Debit Card</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/debit-card/yes-bank-debit-card.html" title="YES Bank Debit Card" target="_blank" aria-label="YES Bank Debit Card">YES Bank Debit Card</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/debit-card/pnb-debit-card.html" title="Punjab National Bank (PNB) Debit Card" target="_blank" aria-label="Punjab National Bank (PNB) Debit 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Debit Cards" target="_blank" aria-label="Maestro Debit Cards">Maestro Debit Cards</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/debit-card/contactless-debit-card.html" title="Contactless Debit Cards" target="_blank" aria-label="Contactless Debit Cards">Contactless Debit Cards</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/debit-card/visa-electron-debit-card.html" title="VISA Electron Debit Cards" target="_blank" aria-label="VISA Electron Debit Cards">VISA Electron Debit Cards</a></li></ul><h4 class="text-sm font-bold ">Debit Cards by Bank</h4><ul class="list-none "><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/debit-card/idbi-bank-debit-card.html" title="IDBI Debit Card" target="_blank" aria-label="IDBI Debit Card">IDBI Debit Card</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/debit-card/indian-overseas-bank-debit-card.html" title="HSBC Debit Card" target="_blank" aria-label="HSBC Debit Card">HSBC Debit Card</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/debit-card/indusind-bank-debit-card.html" title="IndusInd Debit Card" target="_blank" aria-label="IndusInd Debit Card">IndusInd Debit Card</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/debit-card/central-bank-of-india-debit-card.html" title="Central Bank of India Debit Card" target="_blank" aria-label="Central Bank of India Debit Card">Central Bank of India Debit Card</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/debit-card/hdfc-debit-card.html" title="Federal Bank Debit Card" target="_blank" aria-label="Federal Bank Debit Card">Federal Bank Debit Card</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/debit-card/indian-overseas-bank-debit-card.html" title="Indian Overseas Bank Debit Card" target="_blank" aria-label="Indian Overseas Bank Debit Card">Indian Overseas Bank Debit Card</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/debit-card/karur-vyasya-bank-debit-card.html" title="Karur Vyasya Bank Debit Card" target="_blank" aria-label="Karur Vyasya Bank Debit Card">Karur Vyasya Bank Debit Card</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/debit-card/canara-bank-debit-card.html" title="Barclays Bank Debit Card" target="_blank" aria-label="Barclays Bank Debit Card">Barclays Bank Debit Card</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/debit-card/federal-bank-debit-card.html" title="Deutsche Bank Debit Card" target="_blank" aria-label="Deutsche Bank Debit Card">Deutsche Bank Debit Card</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/debit-card/punjab-and-sind-bank-debit-card.html" title="Punjab and Sind Bank Debit Card" target="_blank" aria-label="Punjab and Sind Bank Debit Card">Punjab and Sind Bank Debit Card</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/debit-card/rbl-bank-debit-card.html" title="RBL Debit Card" target="_blank" aria-label="RBL Debit Card">RBL Debit Card</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/debit-card/karnataka-bank-debit-card.html" title="Karnataka Bank Debit Card" target="_blank" aria-label="Karnataka Bank Debit Card">Karnataka Bank Debit Card</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/debit-card/rbs-bank-debit-card.html" title="RBS Bank Debit Card" target="_blank" aria-label="RBS Bank Debit Card">RBS Bank Debit Card</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/debit-card/saraswat-bank-debit-card.html" title="Saraswat Bank Debit Card" target="_blank" aria-label="Saraswat Bank Debit Card">Saraswat Bank Debit Card</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/debit-card/south-indian-bank-debit-card.html" title="South Indian Bank Debit Card" target="_blank" aria-label="South Indian Bank Debit Card">South Indian Bank Debit Card</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/debit-card/standard-chartered-debit-card.html" title="Standard Chartered Debit Card" target="_blank" aria-label="Standard Chartered Debit Card">Standard Chartered Debit Card</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/debit-card/uco-bank-debit-card.html" title="UCO Bank Debit Card" target="_blank" aria-label="UCO Bank Debit Card">UCO Bank Debit Card</a></li></ul></div></div><div data-inline-ad-position="LEFT_NAV"></div></aside></div><div class=" lg:col-span-10 md:col-span-10 col-span-12"><div class="flex flex-col gap-2.5 px-1"><div class="items-center flex gap-2.5"><h1 class="text-xl font-bold ">Debit Card</h1></div><div class="rounded-lg border border-slate-200 text-slate-950 shadow-sm dark:border-slate-800 dark:bg-slate-950 dark:text-slate-50 relative bg-primary-light"><div class="p-2.5"><div class="pr-md font-large bb-top-content" style="max-height:500px;overflow-y:auto"><p class="text-base ">A <strong>debit card</strong> is a payment card that enables the holder to transfer funds, make online transactions, and withdraw cash from or deposit money into your bank account using the card.</p></div></div></div><div id="HUNGRY_FOR_MORE"><div class="mb-xl"><span style="background-color:#ffff009c" class="mb-xl">Updated On - 17 Feb 2025</span></div><div class="flex flex-col gap-1"><div class="text-center mt-2 mb-2"><a href="https://www.bankbazaar.com/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_DEBIT_CARD_BUTTON&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_DEBIT_CARD_BUTTON" target="_blank" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 py-2 minW-auto no-underline h-auto text-wrap font-medium focus-visible:ring-0 bg-destructive text-destructive-foreground hover:bg-destructive-300" title="Check FREE Credit Score">Check FREE Credit Score  </a></div><h2 class="text-lg font-bold pt-5">What is a Debit Card?</h2><p class="text-base "><strong>A debit card</strong>, also called plastic cash, is issued by banks and can be used for everyday purchases. It allows you to withdraw cash from ATMs and make other online and offline store purchases.</p><h3 class="text-md font-bold pt-5">Features and Benefits of a Debit Card</h3><p class="text-base ">The main features and benefits of a debit card are mentioned below:</p></div><div><div class="flex flex-col gap-1"><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Cash Withdrawals</strong>: You can use a debit card to withdraw cash from ATMs.</li><li class="pt-1 pb-1"><strong>Merchant Transactions</strong>: It can be also used for merchant transactions at Point of Sale (PoS) terminals.<br/></li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Instant Fund Transfers</strong>: Debit cards enable immediate transfer of funds and provide receipts for transactions.</li><li class="pt-1 pb-1"><strong>Online Shopping</strong>: You can use your debit card to shop online or pay for services on e-commerce platforms.</li><li class="pt-1 pb-1"><strong>Rewards and Benefits</strong>: Many debit cards offer features like bonus points, cash back, and free insurance coverage.</li><li class="pt-1 pb-1"><strong>Enhanced Security</strong>: It Offers greater security, reducing the risk of fraud and misuse.</li><li class="pt-1 pb-1"><strong>Tracking</strong>: Keep track of your spending with email and SMS alerts.</li><li class="pt-1 pb-1"><strong>Contactless Payments</strong>: Enjoy the convenience of making purchases by simply tapping your card on the PoS terminal.</li></ol><h2 class="text-lg font-bold pt-5">What is ATM Card?</h2><p class="text-base "><strong>Automatic Teller Machine</strong>, widely known as ATM is a pin-based card that is very similar to a debit card. The card is issued by banks to its account holders for various use at ATM and also in their daily life. Account holders can use ATM card to withdraw money from their bank account at an ATM.</p><h3 class="text-md font-bold pt-5">How Does ATM Card Works?</h3><ul class="list-decimal list-outside ml-4 mr-4 "><li class="pt-1 pb-1">The card can be inserted into the ATM, and you can then withdraw money from your account.</li><li class="pt-1 pb-1">You will require a Personal Identification Number(PIN) to carry out a transaction.</li><li class="pt-1 pb-1">An ATM card is linked to your current account or <a href="/savings-account.html" target="_blank">savings account</a>.</li><li class="pt-1 pb-1">The card does not offer credits and hence money is deducted on a real-time basis.</li></ul><h3 class="text-md font-bold pt-5">Benefits of Using ATM Card</h3><p class="text-base ">The various benefits of using an ATM card are mentioned below:</p><ul class="list-decimal list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Serves as fund for emergencies</strong> – During an emergency, ATM cards allow you to withdraw cash from your account.</li><li class="pt-1 pb-1"><strong>Helps you set a budget</strong> – Unlike credit cards, an ATM card will debit your money from your bank account immediately after you have used it.</li><li class="pt-1 pb-1"><strong>Easy to get</strong> - Having a bank account is the only need for receiving a ATM card, and it's also the most crucial. Anyone with a minimal deposit can open a bank account.</li><li class="pt-1 pb-1"><strong>Easy to use</strong> - Using ATM cards are really easy. The payment can be made right away because it is taken immediately out of your bank account, where the money already is.</li><li class="pt-1 pb-1"><strong>Protected </strong>- A four-digit PIN (Personal Identification Number) that you choose is used to protect ATM cards.</li></ul><div class="text-center mt-2 mb-2"><a href="https://www.bankbazaar.com/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_DEBIT_CARD_BUTTON&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_DEBIT_CARD_BUTTON" target="_blank" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 py-2 minW-auto no-underline h-auto text-wrap font-medium focus-visible:ring-0 bg-destructive text-destructive-foreground hover:bg-destructive-300" title="Check FREE Credit Score">Check FREE Credit Score  </a></div><h2 class="text-lg font-bold pt-5">List of Top Debit Cards in India 2025</h2><p class="text-base ">The following are the 5 best debit cards for shopping, international transactions, <a href="/debit-card/airport-lounge-access-debit-cards.html" target="_blank">lounge access</a>, rewards, and more benefits.</p><div class="mb-2.5"><img src="https://static.bankbazaar.com/images/india/infographic/best-debit-cards-in-india.webp" alt="top debit cards" title="Best Debit Cards in India" width="587" height="363" loading="lazy" style="max-width:100%;display:block;margin:0 auto"/></div><ul class="list-decimal list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><a href="https://www.bankbazaar.com/debit-card/hdfc-millennia-debit-card.html" target="_blank">HDFC Millennia Debit Card</a></li><li class="pt-1 pb-1"><a href="https://www.bankbazaar.com/debit-card/sbi-platinum-international-debit-card.html" target="_blank">SBI Platinum Debit Card</a></li><li class="pt-1 pb-1"><a href="https://www.bankbazaar.com/debit-card/hdfc-bank-easyshop-platinum-debit-card.html" target="_blank">HDFC Platinum Debit Card</a></li><li class="pt-1 pb-1"><a href="https://www.bankbazaar.com/debit-card/icici-bank-coral-debit-card.html" target="_blank">ICICI Coral Debit Card</a></li><li class="pt-1 pb-1"><a href="https://www.bankbazaar.com/debit-card/axis-bank-burgundy-world-debit-card.html" target="_blank">Axis Bank Burgundy Debit Card</a><a href="https://www.bankbazaar.com/debit-card/icici-bank-coral-debit-card.html" target="_blank"></a><a href="https://www.bankbazaar.com/debit-card/hdfc-bank-easyshop-platinum-debit-card.html" target="_blank"></a><a href="https://www.bankbazaar.com/debit-card/sbi-platinum-international-debit-card.html" target="_blank"></a><a href="https://www.bankbazaar.com/debit-card/hdfc-millennia-debit-card.html" target="_blank"></a></li></ul><h2 class="text-lg font-bold pt-5">Different Types of Debit Cards in India</h2><p class="text-base ">Here are the six various types of debit cards available in India:</p><h3 class="text-md font-bold pt-5">Visa Debit Cards</h3><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Issued through partnerships with VISA Payment Services, <a href="/debit-card/visa-debit-card.html" target="_blank">Visa debit cards</a> use the Verified by Visa (VbV) infrastructure for secure online transactions.</li></ol><h3 class="text-md font-bold pt-5">RuPay Debit Cards</h3><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Developed by the National Payments Corporation of India (NPCI), <a href="/debit-card/rupay-debit-card.html" target="_blank">RuPay debit cards</a> are designed for domestic use. They facilitate online transactions on the Discover network and ATM transactions through the National Financial Switch network.</li></ol><h3 class="text-md font-bold pt-5">MasterCard Debit Cards</h3><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><a href="/debit-card/mastercard-debit-card.html" target="_blank">MasterCard debit cards</a>, one of the most widely used forms of electronic transactions worldwide, allow you to access your savings or current account for payments and ATM withdrawals. They come with excellent customer support and various benefits and rewards.</li></ol><h3 class="text-md font-bold pt-5">Maestro Debit Cards</h3><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><a href="/debit-card/maestro-debit-card.html" target="_blank">Maestro debit cards</a> are accepted worldwide. You can use them to withdraw cash from ATMs globally and make payments for both online purchases and in-store transactions.</li></ol><h3 class="text-md font-bold pt-5">Contactless Debit Cards</h3><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">It uses <strong>Near Field Communication (NFC)</strong> technology, <a href="/debit-card/contactless-debit-card.html" target="_blank">contactless debit cards</a> let you make payments quickly by tapping or waving your card near PoS terminals.</li></ol><h3 class="text-md font-bold pt-5">Visa Electron Debit Cards</h3><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><a href="/debit-card/visa-electron-debit-card.html" target="_blank">Visa Electron debit cards</a> are similar to Visa debit cards, but they do not offer an overdraft option.</li></ol><h2 class="text-lg font-bold pt-5">What are the Components of Debit Card?</h2><p class="text-base ">The debit or ATM card consists of the following components:</p><ul class="list-decimal list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Name of the Card Holder</li><li class="pt-1 pb-1">16 digits of your card number</li><li class="pt-1 pb-1">Issue and Expiry Date</li><li class="pt-1 pb-1">EMV Chip</li><li class="pt-1 pb-1">Signature bar</li><li class="pt-1 pb-1">Card Verification Value (<a href="/debit-card/what-is-cvv-in-debit-card.html" target="_blank">CVV</a>)</li></ul><div class="text-center mt-2 mb-2"><a href="https://www.bankbazaar.com/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_DEBIT_CARD_BUTTON&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_DEBIT_CARD_BUTTON" target="_blank" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 py-2 minW-auto no-underline h-auto text-wrap font-medium focus-visible:ring-0 bg-destructive text-destructive-foreground hover:bg-destructive-300" title="Check Your Credit Score for FREE">Check Your Credit Score for FREE  </a></div><div class="mb-2.5 py-1"><div class="grid grid-cols-12 gap-2.5"><div class=" lg:col-span-12 md:col-span-12 col-span-12"><div class="border bg-transparent hover:bg-transparent"><details name=":Ra29lk8l:" class="px-2.5 py-2.5"><summary class="cursor-pointer block relative"><strong>Top Debit Card Issuers in India <span class="accordion-arrow absolute right-2.5"><svg xmlns="https://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down"><path d="m6 9 6 6 6-6"></path></svg></span></strong></summary><div class="py-2.5"><ol class="list-disc list-outside ml-4 mr-4 columns-3"><li class=""><a href="/debit-card/sbi-debit-card.html" title="SBI Debit Card" target="_black">SBI Debit Card</a></li><li class=""><a href="/debit-card/hdfc-debit-card.html" title="HDFC Debit Card" target="_black">HDFC Debit Card</a></li><li class=""><a href="/debit-card/icici-debit-card.html" title="ICICI Debit Card" target="_black">ICICI Debit Card</a></li><li class=""><a href="/debit-card/axis-bank-debit-card.html" title="Axis Bank Debit Card" target="_black">Axis Bank Debit Card</a></li><li class=""><a href="/debit-card/yes-bank-debit-card.html" title="YES Bank Debit Card" target="_black">YES Bank Debit Card</a></li><li class=""><a href="/debit-card/kotak-mahindra-bank-debit-card.html" title="Kotak Mahindra Bank Debit Card" target="_black">Kotak Mahindra Bank Debit Card</a></li><li class=""><a href="/debit-card/pnb-debit-card.html" title="PNB Debit Card" target="_black">PNB Debit Card</a></li><li class=""><a href="/debit-card/canara-bank-debit-card.html" title="Canara Bank Debit Card" target="_black">Canara Bank Debit Card</a></li><li class=""><a href="/debit-card/bank-of-baroda-debit-card.html" title="Bank of Baroda Debit Card" target="_black">Bank of Baroda Debit Card</a></li><li class=""><a href="/debit-card/bank-of-india-debit-card.html" title="Bank of India Debit Card" target="_black">Bank of India Debit Card</a></li><li class=""><a href="/debit-card/union-bank-of-india-debit-card.html" title="Union Bank Of India Debit Card" target="_black">Union Bank Of India Debit Card</a></li><li class=""><a href="/debit-card/hsbc-debit-card.html" title="HSBC Debit Card" target="_black">HSBC Debit Card</a></li><li class=""><a href="/debit-card/niyo-global-debit-card.html" title="Niyo Global Debit Card" target="_black">Niyo Global Debit Card</a></li><li class=""><a href="/debit-card/au-bank-debit-card.html" title="AU Bank Debit Card" target="_black">AU Bank Debit Card</a></li><li class=""><a href="/debit-card/idfc-first-bank-debit-card.html" title="IDFC First Bank Debit Card" target="_black">IDFC First Bank Debit Card</a></li><li class=""><a href="/debit-card/jupiter-debit-card.html" title="Jupiter Bank Debit Card" target="_black">Jupiter Bank Debit Card</a></li><li class=""><a href="/debit-card/dbs-bank-debit-card.html" title="DBS Bank debit card" target="_black">DBS Bank debit card</a></li><li class=""><a href="/debit-card/karnataka-gramin-bank-debit-card.html" title="Karnataka Gramin Bank Debit Cards" target="_black">Karnataka Gramin Bank Debit Cards</a></li><li class=""><a href="/debit-card/fi-debit-card.html" title="Fi Federal Bank Debit card" target="_black">Fi Federal Bank Debit card</a></li><li class=""><a href="/debit-card/suryoday-bank-debit-card.html" title="Suryoday Bank Debit Card" target="_black">Suryoday Bank Debit Card</a></li></ol></div></details></div></div></div></div><h2 class="text-lg font-bold pt-5">Debit Card vs Credit Card</h2><p class="text-base ">Payment cards such as ATM cards, debit cards, and <a href="/credit-card.html" target="_blank">credit cards </a>are provided by banks to their customers so they can conduct particular types of transactions.</p><p class="text-base ">Given below are some of the main differences between an debit card and credit card.</p><div class="relative w-full overflow-auto"><table class="w-full caption-bottom text-sm border"><thead class="[&_tr]:border-b font-bold"><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l bg-secondary hover:bg-secondary text-white p-2" colSpan="1"><p class="text-base ">Debit Card</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l bg-secondary hover:bg-secondary text-white p-2" colSpan="1"><p class="text-base ">Credit Card</p></td></tr></thead><tbody class="[&_tr:last-child]:border-0"><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">The funds are deducted from your <a href="/savings-account.html" target="_blank">savings account</a> or <a href="/current-account.html" target="_blank">current account</a>.</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">The funds are debited from your card issuer through borrowing.</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">You can only spend up to the available balance in your bank account.</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">You can utilize your card within the credit limit assigned to you.</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">These cards are typically provided with your salary, current, or savings account.</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">It is possible to apply for a credit card from any issuer, even if you don't have a bank account with them.</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">They offer limited rewards and cashback benefits.</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Credit cards provide more extensive rewards and cashback benefits.</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">The availability of the EMI facility depends on the agreement between the vendor and the bank.</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Credit cards generally offer an EMI facility for transactions above Rs. 2,500.</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Debit card usage does not affect your credit score.</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Credit card usage directly affects your <a href="/credit-score.html" target="_blank">credit score</a></p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">ATM/Debit cards provide higher cash withdrawal limits.</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Credit cards offer additional advantages such as lounge access and protection against lost cards, among others.</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Requires an annual maintenance fee of about Rs. 100 to Rs. 500.</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Requires an annual membership fee of about more than Rs. 500.</p></td></tr></tbody></table></div><h2 class="text-lg font-bold pt-5">Debit Card Fees and Charges</h2><p class="text-base ">ATM or Debit Card fees and charges can differ between cards and banks. Here are the standard fees associated with these Cards in India:</p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><a href="/debit-card/amc-atm-card-charges.html" target="_blank">Annual Maintenance Fee</a>: This is an annual fee for the Card usage, typically ranging from Rs. 100 to Rs. 500, varying by bank policies.</li><li class="pt-1 pb-1"><strong>Card Replacement Fee</strong>: When replacing your ATM or Debit Card, some banks like HDFC waive the fee for physical damage but charge Rs. 200 for lost cards. SBI and other banks charge between Rs. 100 to Rs. 300 for both physical damage and card loss.</li><li class="pt-1 pb-1"><strong>Duplicate PIN or PIN Regeneration Fee</strong>: If you forget your Debit Card or ATM card PIN, a duplicate PIN can be sent to your address for a nominal fee of Rs. 50 to Rs. 100.</li><li class="pt-1 pb-1"><strong>Cash Withdrawal Charges</strong>: ATM or Debit Cards usually allow frequent cash withdrawals, but limits may apply. Transactions at the same bank's ATM are typically free, but there is a defined limit for free transactions at other banks' ATMs, with charges ranging from Rs. 10 to Rs. 30 per transaction.</li><li class="pt-1 pb-1"><strong>International Transaction Charges</strong>: Fees are levied for cross-currency markup, Debit Card balance checks, and cash withdrawals made with your Card in foreign countries. These charges can be percentage-based or a flat transaction fee.</li><li class="pt-1 pb-1"><strong>POS Fee</strong>: No additional fee is charged for purchases made with your Card. However, for fuel transactions, a general surcharge of 1% may apply.</li></ol><div class="text-center mt-2 mb-2"><a href="https://www.bankbazaar.com/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_DEBIT_CARD_BUTTON&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_DEBIT_CARD_BUTTON" target="_blank" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 py-2 minW-auto no-underline h-auto text-wrap font-medium focus-visible:ring-0 bg-destructive text-destructive-foreground hover:bg-destructive-300" title="Check Your Credit Score Now">Check Your Credit Score Now  </a></div><h2 class="text-lg font-bold pt-5">Eligibility for a Debit Card</h2><p class="text-base ">An individual becomes eligible for a debit card upon opening a savings or current account. Below are the additional eligibility criteria to obtain a debit card:</p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Citizenship Requirements</strong>: Must be an Indian citizen</li><li class="pt-1 pb-1"><strong>Age Criteria</strong>: Must be 15 years of age or older</li><li class="pt-1 pb-1"><strong>Documentation Required</strong>: Must provide valid address and identity proof to the bank</li><li class="pt-1 pb-1"><strong>Financial Requirements</strong>: Must meet the minimum balance requirement as per the bank’s terms</li><li class="pt-1 pb-1"><strong>Maintenance Charges</strong>: Must pay the annual maintenance fee for the debit card, in accordance with the bank's guidelines</li></ol><h2 class="text-lg font-bold pt-5">Documents Required for a Debit Card</h2><p class="text-base ">The Reserve Bank of India (RBI) mandates the submission of certain documents to open a <a href="https://www.bankbazaar.com/savings-account.html" target="_blank">savings account</a>, which are also required when applying for a debit card. Below is a list of essential documents needed to apply for a debit card:</p><div class="mb-2.5"><img src="https://static.bankbazaar.com/images/india/infographic/debit-cards.webp" alt="atm card" title="What is a debit card?" width="400" height="250" loading="lazy" style="max-width:100%;display:block;float:left;margin:0 auto"/></div><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><a href="/pan-card.html" target="_blank">Pan Card</a></li><li class="pt-1 pb-1"><a href="/tax/form-16.html" target="_blank">Form 16</a> (In case PAN card is not available)</li><li class="pt-1 pb-1">Two current passport-size photos</li></ol><p class="text-base "><strong>Identity proof</strong>:</p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><a href="/voter-id.html" target="_blank">Voter ID Card</a></li><li class="pt-1 pb-1">Passport</li><li class="pt-1 pb-1"><a href="/driving-licence.html" target="_blank">Driving license</a></li></ol><p class="text-base "><strong>Address proof</strong>:</p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Voter ID card</li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Driving License</li><li class="pt-1 pb-1"><a href="/passport.html" target="_blank">Passport</a></li></ol><h2 class="text-lg font-bold pt-5">How to Apply for Debit Card Online and Offline?</h2><p class="text-base ">Customers can apply for a debit card through both online and offline processes. Below are the steps for each method:</p><h3 class="text-md font-bold pt-5">Steps to Apply for a Debit Card Offline</h3><p class="text-base ">The process to apply for a debit card offline is as follows:</p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">You typically do not need to apply separately for a debit card, as it is automatically issued when you open a savings or current bank account.</li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">If you need a new debit card, visit the nearest branch of your bank. Complete the relevant application form and submit it to the bank manager. You will receive your new debit card within a few days.</li></ol><h3 class="text-md font-bold pt-5">Steps to Apply for a Debit Card Online</h3><p class="text-base ">Many major banks, such as SBI, and Union Bank of India, now allow customers to apply for debit cards online. Below is a step-by-step guide for applying through each bank:</p><h4 class="text-sm font-bold pt-5">How to Apply for an SBI Debit Card Online?</h4><p class="text-base ">To apply for an SBI debit card online, follow these steps:</p><p class="text-base "><strong>Step 1</strong>: Visit the<a href="https://sbi.co.in/web/personal-banking/cards/debit-card" target="_blank" rel="nofollow"> SBI official website</a> to apply online</p><p class="text-base "><strong>Step 2</strong>: Choose the debit card that suits your requirements and Apply.</p><p class="text-base "><strong>Step 3</strong>: You will receive your SBI debit card at your registered address within a few business days.</p><h4 class="text-sm font-bold pt-5">How to Apply for a Union Bank of India Debit Card Online?</h4><p class="text-base ">To apply for a Union Bank of India debit card online, follow these steps:</p><p class="text-base "><strong>Step 1</strong>: Visit the<a href="https://myportal.unionbankofindia.co.in/DebitCard/" target="_blank" rel="nofollow"> Union Bank of India official website</a></p><p class="text-base "><strong>Step 2</strong>: Click on "Apply for New Debit Card." Enter your account number and the captcha code, then validate your account.</p><p class="text-base "><strong>Step 3</strong>: You will receive your debit card within a few days.</p><p class="text-base "><strong>Note</strong>: If you have existing<a href="/debit-card/union-bank-of-india-debit-card.html" target="_blank"> union bank debit card</a>, you are not eligible to apply online.</p><h2 class="text-lg font-bold pt-5">Procedure to set your UPI PIN without Debit Card</h2><p class="text-base ">The National Payments Corporation of India (<a href="/ifsc/npci.html" target="_blank">NCPI</a>) has introduced a new system that allows individuals to use digital and cashless payments without requiring a debit card. This system, known as the Aadhaar card-based Unified Payments Interface (UPI) Personal Identification Number (PIN service), enables users to initiate UPI payments by linking their Aadhaar number with their bank account.</p><h3 class="text-md font-bold pt-5">Steps To Set Your UPI PIN Without a Debit Card</h3><p class="text-base "><strong>Step 1</strong>: Download a UPI-enabled app like <a href="/ifsc/bhim.html" target="_blank">BHIM UPI</a> your smartphone from an App Store.</p><p class="text-base "><strong>Step 2</strong>: Click on the option '<strong>Add UPI ID</strong>' and choose your registered bank account.</p><p class="text-base "><strong>Step 3</strong>: Create a UPI ID that meets the app's requirements and verify its availability.</p><p class="text-base "><strong>Step 4</strong>: Now, select '<strong>Aadhaar-based verification</strong>' and accept all the terms and conditions.</p><p class="text-base "><strong>Step 5</strong>: Validate your Aadhaar number by entering the first six digits on your Aadhaar card, and click on '<strong>confirm</strong>' button.</p><p class="text-base "><strong>Step 6</strong>: Then, Set your four-digit or a six-digit UPI PIN depending on the app you are using.</p><p class="text-base "><strong>Step 7</strong>: Enter the OTP which received on the mobile number</p><p class="text-base "><strong>Step 8</strong>: Now, Enter the same UPI PIN you had set earlier for final confirmation.</p><p class="text-base ">Once the process is completed, you can use the newly verified UPI ID to make payments to any UPI-enabled mobile number and scan QR codes as well.</p><p class="text-base ">However, note that not all UPI-based apps may offer the Aadhaar card-based UPI PIN service, and the user's bank also needs to enable the service from their end to allow bank account holders to register for UPI via Aadhaar-based verification. So far, only 11 banks have enabled the option to generate a UPI PIN using an Aadhaar card.</p><div class="mb-2.5 py-1"><div class="grid grid-cols-12 gap-2.5"><div class=" lg:col-span-12 md:col-span-12 col-span-12"><div class="border bg-transparent hover:bg-transparent"><details name=":Rdc9lk8l:" class="px-2.5 py-2.5"><summary class="cursor-pointer block relative"><strong>Related Articles on ATM Card PIN Generation <span class="accordion-arrow absolute right-2.5"><svg xmlns="https://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down"><path d="m6 9 6 6 6-6"></path></svg></span></strong></summary><div class="py-2.5"><ol class="list-disc list-outside ml-4 mr-4 columns-3"><li class=""><a href="/debit-card/hdfc-debit-atm-card-pin-generation.html" title="HDFC Debit/ATM Pin Generation through SMS & Online" target="_black">HDFC Debit/ATM Pin Generation through SMS & Online</a></li><li class=""><a href="/debit-card/steps-to-generate-india-bank-green-pin.html" title="Steps to Generate Indian Bank Green PIN" target="_black">Steps to Generate Indian Bank Green PIN</a></li><li class=""><a href="/debit-card/how-to-generate-green-pin-of-canara-bank-debit-card-at-an-atm.html" title="How to Generate Canara Bank ATM PIN via Net Banking & IVR" target="_black">How to Generate Canara Bank ATM PIN via Net Banking & IVR</a></li><li class=""><a href="/debit-card/kotak-debit-card-pin-generation.html" title="Kotak Debit Card PIN Generation" target="_black">Kotak Debit Card PIN Generation</a></li><li class=""><a href="/debit-card/how-to-generate-green-pin-of-union-bank-of-india-debit-card-at-an-atm.html" title="How can I Generate Union Bank ATM PIN Online?" target="_black">How can I Generate Union Bank ATM PIN Online?</a></li><li class=""><a href="/debit-card/bank-of-maharashtra-debit-card-pin.html" title="How to Generate Bank of Maharashtra ATM Pin through SMS" target="_black">How to Generate Bank of Maharashtra ATM Pin through SMS</a></li><li class=""><a href="/debit-card/steps-to-activate-indian-bank-atm-debit-card.html" title="How to Activate Indian Bank ATM Card" target="_black">How to Activate Indian Bank ATM Card</a></li><li class=""><a href="/credit-card/sbi-green-pin.html" title="SBI Green PIN" target="_black">SBI Green PIN</a></li><li class=""><a href="/debit-card/how-to-set-upi-pin-without-debit-card.html" title="How to Set UPI Pin without Debit Card in Google Pay & Phonepe" target="_black">How to Set UPI Pin without Debit Card in Google Pay & Phonepe</a></li></ol></div></details></div></div></div></div><h2 class="text-lg font-bold pt-5">How Does a Debit Card Works?</h2><p class="text-base ">Here are the key details about how a debit card functions:</p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">A debit card is a rectangular metallic or plastic card linked to the account of the cardholder.</li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">It contains a 16-digit number and a unique three or four-digit CVV code.</li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">The spending capacity is directly tied to the account balance of the cardholder.</li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">The card displays its validity period, and the bank issues a new card before it expires.</li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">The eligibility for a debit card is the same as for opening a bank account.</li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Cash withdrawals made using the card are deducted from the linked account.</li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Account holders receive SMS notifications for every debit transaction on their registered mobile number.</li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">The daily purchase limit on the debit card is set for a 24-hour period.</li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Some cards allow contactless transactions without requiring a PIN, by tapping or holding the card over a payment machine.</li></ol><div class="rounded-lg border border-slate-200 text-slate-950 shadow-sm dark:border-slate-800 dark:bg-slate-950 dark:text-slate-50 relative bg-destructive-light"><div class="p-2.5"><h3 class="text-md font-bold pt-1">Complete Guide on Tokenisation of Debit Cards</h3> <p class="text-base "><strong>Tokenization of debit cards</strong> protects the card data by replacing it with a unique string of characters called a token. This token code can be used in place of the card details for making a payment or storing information in a database.</p><p class="text-base "><strong>Tokenization can be used to protect debit card information in a number of ways</strong>:</p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">For example, when making a payment online, the merchant may use tokenization to process the transaction without ever seeing or storing the actual debit card number.</li><li class="pt-1 pb-1"> Instead, the merchant sends the payment request and the token to the payment processor, which looks up the corresponding debit card number and processes the transaction.</li><li class="pt-1 pb-1">It also protects information when it is stored in a database. Instead of storing the actual debit card number, the database stores the token, which can be used to retrieve the information when needed. </li><li class="pt-1 pb-1">Tokenization helps to protect debit card information from being accessed or compromised by unauthorized parties.</li></ol><p class="text-base ">Overall, tokenization is a useful tool for protecting sensitive data, such as debit card numbers, and helps reduce the risk of fraud and identity theft.</p></div></div><h2 class="text-lg font-bold pt-5">Transactions That Can be Done at ATMs</h2><p class="text-base ">Most individuals with ATM cards usually use ATM machines for the sole purpose of withdrawing cash. However, ATM machines perform other functions as well. They include:</p><p class="text-base "><strong>Payment of Utility Bills with Debit Card: </strong>Payments for services including power, insurance fees, and phone providers can be made using ATMs. These payments, however, can only be made if the invoices haven't already passed their due dates.</p><p class="text-base "><strong>Requesting a Cheque Book: </strong>The ATM that belongs to the cardholder's bank allows them to request a new chequebook. One thing to keep in mind when requesting a new chequebook is to make sure the address given to the bank is current.</p><p class="text-base "><strong>Making Credit Card Payments using ATM Cards: </strong>Most ATMs have an option for <a href="/credit-card-bill-payment.html" target="_blank">paying credit card bills</a>. However, it is essential that the payment is made at the ATM that is owned by the bank where the <a href="/credit-card.html" target="_blank">credit card</a> was issued.</p><p class="text-base "><strong>Paying Taxes through Debit Card:</strong>To use the service of paying their taxes at an ATM, cardholders must register. However, paying <a href="/tax/direct-tax.html" target="_blank">direct taxes </a>is the only way to use this service. The money due will be deducted from the cardholder's account when they have enrolled for the service. The cardholder receives a Special Item Number (SIN) after the purchase has been debited, which they must use as a reference for paying their taxes.</p><p class="text-base "><strong>Recharging Mobile Phones via ATM Card: </strong>Cardholders can recharge their pre-paid mobile numbers using their debit cards. To do this, go to the ATM operated by the cardholder's bank. The cardholder would have to confirm and authenticate the transaction by entering their mobile number and ATM PIN.</p><div class="mb-2.5 py-1"><div class="grid grid-cols-12 gap-2.5"><div class=" lg:col-span-12 md:col-span-12 col-span-12"><div class="border bg-transparent hover:bg-transparent"><details name=":Rek9lk8l:" class="px-2.5 py-2.5"><summary class="cursor-pointer block relative"><strong>More Articles on Debit Card <span class="accordion-arrow absolute right-2.5"><svg xmlns="https://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down"><path d="m6 9 6 6 6-6"></path></svg></span></strong></summary><div class="py-2.5"><ol class="list-disc list-outside ml-4 mr-4 columns-3"><li class=""><a href="/debit-card/citialert.html" title="CitiAlert " target="_black">CitiAlert </a></li><li class=""><a href="/debit-card/hdfc-easyshop-platinum-debit-card.html" title="Hdfc EasyShop Preferred Platinum Debit Card" target="_black">Hdfc EasyShop Preferred Platinum Debit Card</a></li><li class=""><a href="/debit-card/steps-to-use-debit-cards-to-open-a-paypal-account.html" title="Steps to Use Debit Cards to Open a PayPal Account" target="_black">Steps to Use Debit Cards to Open a PayPal Account</a></li><li class=""><a href="/debit-card/city-union-bank-rupay-paysecure.html" title="City Union Bank RuPay PaySecure" target="_black">City Union Bank RuPay PaySecure</a></li><li class=""><a href="/debit-card/paytm-debit-card.html" title="Paytm Debit/ATM Card" target="_black">Paytm Debit/ATM Card</a></li><li class=""><a href="/debit-card/electronic-card-for-overdraft.html" title="Electronic Card For Overdraft Account " target="_black">Electronic Card For Overdraft Account </a></li><li class=""><a href="/debit-card/how-to-unblock-atm-card.html" title="Steps to Unblock an ATM Card & Reactivate Debit Card" target="_black">Steps to Unblock an ATM Card & Reactivate Debit Card</a></li><li class=""><a href="/debit-card/icici-bank-senior-citizen-gold-debit-card.html" title="ICICI Bank Senior Citizen Gold Debit Card" target="_black">ICICI Bank Senior Citizen Gold Debit Card</a></li><li class=""><a href="/debit-card/icici-bank-mumbai-metro-platinum-debit-card.html" title="ICICI Mumbai Metro Platinum Debit Card" target="_black">ICICI Mumbai Metro Platinum Debit Card</a></li><li class=""><a href="/debit-card/icici-bank-dmrc-platinum-debit-card.html" title=" ICICI Bank DMRC Platinum Debit Card" target="_black"> ICICI Bank DMRC Platinum Debit Card</a></li><li class=""><a href="/debit-card/debit-card-sitemap.html" title="Debit Card HTML" target="_black">Debit Card HTML</a></li><li class=""><a href="/debit-card/samsung-pay.html" title="Samsung Pay " target="_black">Samsung Pay </a></li><li class=""><a href="/debit-card/block-sbi-atm-card.html" title="How to Block SBI ATM Card?" target="_black">How to Block SBI ATM Card?</a></li><li class=""><a href="/debit-card/how-to-protect-your-debit-card-from-frauds.html" title="Debit Card Fraud - 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It is a 3-digit identification number that is presented on the back side of your card to verify the person's identity.</p></li><li class="pt-1 pb-1"><strong>Which bank offers lifetime free debit card?</strong><p class="text-base ">HSBC bank offers free life time debit card without any fee.</p></li><li class="pt-1 pb-1"><strong>Are ATM card and debit card the same?</strong><p class="text-base ">No, ATM cards and debit cards are not the same. ATM cards are used to withdraw cash from an ATM machine while debit cards can be used for cash withdrawal and online payments as well.</p></li><li class="pt-1 pb-1"><strong>Can ATM card be used as a debit card?</strong><p class="text-base ">No, ATM cards cannot be used as a debit card. However, a debit card can be used as an ATM card.</p></li><li class="pt-1 pb-1"><strong>Can I use ATM card to make online payments?</strong><p class="text-base ">Earlier using ATM card for online payments was not possible. However, a lot of banks are adding this feature to their ATM cards. So, now ATM card users can use to make online payments.</p></li><li class="pt-1 pb-1"><strong>Can I change my PIN number of my ATM card?</strong><p class="text-base ">Yes, you can change the PIN number of your ATM card whenever you want. </p></li><li class="pt-1 pb-1"><strong>Is there a daily withdrawal limit for ATM cards?</strong><p class="text-base ">Yes, daily withdrawal limits for ATM cards are set by the banks issuing them.</p></li><li class="pt-1 pb-1"><strong>What is a chip card?</strong><p class="text-base ">A chip card comes with an embedded chip on the front to enhance data security. The Reserve Bank of India (RBI) has directed all banks to switch over to EMV Chip Cards from magnetic strip cards.</p></li><li class="pt-1 pb-1"><strong>When will the customer receive a replacement card for the lost one? </strong><p class="text-base ">The replacement for the lost card will be issued to the customer after receiving the above information and a request for a replacement card from the customer's parent or base branch.</p></li><li class="pt-1 pb-1"><strong>What is the validity period for a Debit Card?</strong><p class="text-base ">Debit Cards have a validity of eight years. However, this validity may vary within eight years, depending on the date of issuance of the Card to the customer.</p></li><li class="pt-1 pb-1"><strong>What is the disadvantage of having a debit card?</strong><p class="text-base ">The only con of a debit card is that they have limited protection against frauds. </p></li><li class="pt-1 pb-1"><strong>What does Debit Card Hotlisting means?</strong><p class="text-base ">Debit cum ATM Card Hotlisting means blocking all the transactions on your card to avoid misusing the card. In simple terms just blocking your card.</p></li><li class="pt-1 pb-1"><strong>Can I use my debit card if I don’t have any money in my account?</strong><p class="text-base ">No, you cannot use your debit card if you don’t have any money in your account. However, few banks offer an ‘overdraft protection’ feature, that lets you use your debit card without any money in your account. </p></li><li class="pt-1 pb-1"><strong>Will I be charged any fee if I don’t use my debit card for a long time? </strong><p class="text-base ">Yes, you will be charged an inactivity fee if you don’t use your debit card for a long time. </p></li><li class="pt-1 pb-1"><strong>What is DI Debit Card?</strong><p class="text-base ">A card used in contact and contactless transactions is called a Dual Interface (DI) Debit Card.</p></li><li class="pt-1 pb-1"><strong>How long is the PIN on a debit card?</strong><p class="text-base ">The PIN on the debit card is four-digit number.</p></li><li class="pt-1 pb-1"><strong>Can multiple accounts be linked to a Debit Card?</strong><p class="text-base ">Yes, some banks give customers the option of linking several bank accounts to a single debit card.</p></li><li class="pt-1 pb-1"><strong>Do banks block Debit Cards if customers enter the wrong PIN during cash withdrawals?</strong><p class="text-base ">Yes, any bank would block a customer's debit card after three unsuccessful attempts at an ATM as a protective measure.</p></li><li class="pt-1 pb-1"><strong>Is the overdraft facility available with Debit Cards?</strong><p class="text-base ">Overdraft facility is available with the savings account linked to a debit card but is not applicable on a particular card.</p></li><li class="pt-1 pb-1"><strong>What are the different costs associated with a Debit Card?</strong><p class="text-base ">Some banks might charge issuance fees, ATM withdrawal charges, and annual fees for debit cards.</p></li><li class="pt-1 pb-1"><strong>In India, what are the two types of Debit Cards generally issued to users?</strong><p class="text-base ">Indian Banks provide personalized and non-personalized variants to debit card users. Personalized debit cards additionally contain the user's name and photograph. Non-Personalized cards will just have the bank logo, card details and the payment platform logo without any user related information.</p></li><li class="pt-1 pb-1"><strong>Are debit cards and ATM cards the same?</strong><p class="text-base ">Yes, a debit card is also known as an ATM card. Debit cards are issued by banks and allow you to access your current or savings account to make payments or withdraw cash at ATMs. </p></li><li class="pt-1 pb-1"><strong>What is the security code on a debit card?</strong><p class="text-base ">A security code is a three-digit or four-digit code known as the Card Verification Value (CVV) or Card Verification Code (CVC) printed on the back of a debit card. The security code is an extra layer of protection for online transactions and is designed to verify that you are using for a purchase. </p></li><li class="pt-1 pb-1"><strong>Do debit cards offer purchase protection?</strong><p class="text-base ">Some banks offer purchase protection for debit cards. However, debit cards and credit cards do not have the same type protection. </p></li><li class="pt-1 pb-1"><strong>What can I do if the debit card is stolen?</strong><p class="text-base ">In case your debit card is stolen, you can contact your bank and report the theft. They will cancel your card immediately, and you can apply to get a new one. </p></li><li class="pt-1 pb-1"><strong>What is a virtual debit card?</strong><p class="text-base ">A virtual debit card is a digital version of a physical debit card that can be used to make online purchases or other transactions over the internet. </p></li><li class="pt-1 pb-1"><strong>What is the validity of the new debit card PIN?</strong><p class="text-base ">There is no such specific validity period for newly generated debit card PIN. For the security of the customer’s card details, the bank recommends the users to change the debit card PIN after every two to three months.</p></li><li class="pt-1 pb-1"><strong>What is meant by Zero Lost Card Liability?</strong><p class="text-base ">Zero Lost Card Liability is an important feature provided to enhance the safety of your card. This feature basically protects you, as a card holder, from any loss or liability which may arise following the loss/theft of your card.</p></li></ul><script type="application/ld+json" data-testid="faq-json-ld">{"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"What is CVV in the debit card?","acceptedAnswer":{"@type":"Answer","text":" CVV full form is Card Verification Value number. It is a 3-digit identification number that is presented on the back side of your card to verify the person's identity."}},{"@type":"Question","name":"Which bank offers lifetime free debit card?","acceptedAnswer":{"@type":"Answer","text":"HSBC bank offers free life time debit card without any fee."}},{"@type":"Question","name":"Are ATM card and debit card the same?","acceptedAnswer":{"@type":"Answer","text":"No, ATM cards and debit cards are not the same. 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","acceptedAnswer":{"@type":"Answer","text":"The replacement for the lost card will be issued to the customer after receiving the above information and a request for a replacement card from the customer's parent or base branch."}},{"@type":"Question","name":"What is the validity period for a Debit Card?","acceptedAnswer":{"@type":"Answer","text":"Debit Cards have a validity of eight years. However, this validity may vary within eight years, depending on the date of issuance of the Card to the customer."}},{"@type":"Question","name":"What is the disadvantage of having a debit card?","acceptedAnswer":{"@type":"Answer","text":"The only con of a debit card is that they have limited protection against frauds. ."}},{"@type":"Question","name":"What does Debit Card Hotlisting means?","acceptedAnswer":{"@type":"Answer","text":"Debit cum ATM Card Hotlisting means blocking all the transactions on your card to avoid misusing the card. In simple terms just blocking your card."}},{"@type":"Question","name":"Can I use my debit card if I don’t have any money in my account?","acceptedAnswer":{"@type":"Answer","text":"No, you cannot use your debit card if you don’t have any money in your account. However, few banks offer an ‘overdraft protection’ feature, that lets you use your debit card without any money in your account.  ."}},{"@type":"Question","name":"Will I be charged any fee if I don’t use my debit card for a long time? ","acceptedAnswer":{"@type":"Answer","text":"Yes, you will be charged an inactivity fee if you don’t use your debit card for a long time.  ."}},{"@type":"Question","name":"What is DI Debit Card?","acceptedAnswer":{"@type":"Answer","text":"A card used in contact and contactless transactions is called a Dual Interface (DI) Debit Card."}},{"@type":"Question","name":"How long is the PIN on a debit card?","acceptedAnswer":{"@type":"Answer","text":"The PIN on the debit card is four-digit number."}},{"@type":"Question","name":"Can multiple accounts be linked to a Debit Card?","acceptedAnswer":{"@type":"Answer","text":"Yes, some banks give customers the option of linking several bank accounts to a single debit card."}},{"@type":"Question","name":"Do banks block Debit Cards if customers enter the wrong PIN during cash withdrawals?","acceptedAnswer":{"@type":"Answer","text":"Yes, any bank would block a customer's debit card after three unsuccessful attempts at an ATM as a protective measure."}},{"@type":"Question","name":"Is the overdraft facility available with Debit Cards?","acceptedAnswer":{"@type":"Answer","text":"Overdraft facility is available with the savings account linked to a debit card but is not applicable on a particular card."}},{"@type":"Question","name":"What are the different costs associated with a Debit Card?","acceptedAnswer":{"@type":"Answer","text":"Some banks might charge issuance fees, ATM withdrawal charges, and annual fees for debit cards. ."}},{"@type":"Question","name":"In India, what are the two types of Debit Cards generally issued to users?","acceptedAnswer":{"@type":"Answer","text":"Indian Banks provide personalized and non-personalized variants to debit card users. Personalized debit cards additionally contain the user's name and photograph. Non-Personalized cards will just have the bank logo, card details and the payment platform logo without any user related information."}},{"@type":"Question","name":"Are debit cards and ATM cards the same?","acceptedAnswer":{"@type":"Answer","text":"Yes, a debit card is also known as an ATM card. Debit cards are issued by banks and allow you to access your current or savings account to make payments or withdraw cash at ATMs.  ."}},{"@type":"Question","name":"What is the security code on a debit card?","acceptedAnswer":{"@type":"Answer","text":"A security code is a three-digit or four-digit code known as the Card Verification Value (CVV) or Card Verification Code (CVC) printed on the back of a debit card. The security code is an extra layer of protection for online transactions and is designed to verify that you are using for a purchase.  ."}},{"@type":"Question","name":"Do debit cards offer purchase protection?","acceptedAnswer":{"@type":"Answer","text":"Some banks offer purchase protection for debit cards. However, debit cards and credit cards do not have the same type protection.  ."}},{"@type":"Question","name":"What can I do if the debit card is stolen?","acceptedAnswer":{"@type":"Answer","text":"In case your debit card is stolen, you can contact your bank and report the theft. They will cancel your card immediately, and you can apply to get a new one.  ."}},{"@type":"Question","name":"What is a virtual debit card?","acceptedAnswer":{"@type":"Answer","text":"A virtual debit card is a digital version of a physical debit card that can be used to make online purchases or other transactions over the internet. ."}},{"@type":"Question","name":"What is the validity of the new debit card PIN?","acceptedAnswer":{"@type":"Answer","text":"There is no such specific validity period for newly generated debit card PIN. For the security of the customer’s card details, the bank recommends the users to change the debit card PIN after every two to three months."}},{"@type":"Question","name":"What is meant by Zero Lost Card Liability?","acceptedAnswer":{"@type":"Answer","text":"Zero Lost Card Liability is an important feature provided to enhance the safety of your card. This feature basically protects you, as a card holder, from any loss or liability which may arise following the loss/theft of your card."}}]}</script><h2 class="text-lg font-bold pt-2 pb-2">Latest News about Debit Card</h2><div class="flex flex-col gap-2.5"><div class="mb-xl"><div class="rounded-lg border border-slate-200 bg-white text-slate-950 shadow-sm dark:border-slate-800 dark:bg-slate-950 dark:text-slate-50 relative"><div class="flex flex-col space-y-1.5 p-4 bg-secondary text-secondary-foreground"><h3 class="font-semibold tracking-tight text-md text-bold">SBI adjusts debit card maintenance fees starting 1 April 2024</h3></div><div class="p-2.5"><p class="text-base ">Under the recent updates by the State Bank of India, there have been revisions to the annual maintenance fees for its debit cards, effective from 1 April 2024. Among these modifications, there is a notable Rs.75 increment in charges for specific categories of debit cards.</p><p class="text-base ">For instance, the charges for Classic, Silver, Global, and Contactless debit cards will see an elevation from Rs.125 to Rs.200, inclusive of GST.</p><p class="text-base ">Similarly, for debit card categories such as Yuva, Gold, Combo, and Platinum Debit Cards, the charges are scheduled to rise from Rs.175 to Rs.250, plus GST. Notably, acquiring a Platinum Debit card will now entail a minimum fee of Rs.300, indicating a change in the cost associated with obtaining this specific type of card.</p><p class="text-base ">International ATM inquiries will now incur a charge of Rs.25, along with GST, whereas cash withdrawals will attract a minimum charge of Rs.100, coupled with 3.5% of the transaction amount.</p><div class="text-end px-2.5 py-1">2 April 2024</div></div></div></div></div><div class="rounded-lg border border-slate-200 text-slate-950 shadow-sm dark:border-slate-800 dark:bg-slate-950 dark:text-slate-50 relative bg-secondary-light mt-4"><div class="p-2.5"><div style="overflow:hidden;padding-bottom:10px"><h3 class="text-md font-bold pb-1.5">About the Author</h3><div style="float:left"><img src="https://static.bankbazaar.com/images/common/author_kankana_female.webp" alt="author" title="Kankana Mukherjee" width="53" height="53" loading="lazy" style="max-width:100%;display:inline;border-radius:100%;width:80px"/><p class="text-sm font-bold inline pl-1.5">Kankana Mukherjee</p></div><a style="float:right" target="_blank" href="https://www.linkedin.com/in/kankana-mukherjee-775a75bb/" rel="noreferrer"><span class="relative flex h-10 w-10 shrink-0 overflow-hidden rounded-full border justify-center items-center bg-white"><svg xmlns="https://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-linkedin"><path d="M16 8a6 6 0 0 1 6 6v7h-4v-7a2 2 0 0 0-2-2 2 2 0 0 0-2 2v7h-4v-7a6 6 0 0 1 6-6z"></path><rect width="4" height="12" x="2" y="9"></rect><circle cx="4" cy="4" r="2"></circle></svg></span></a></div><p class="text-base ">Kankana Mukherjee is an engineer and has over 4.5 of experience in content writing. Combining the expertise in financial content writing achieved in her 2 years association with BankBazaar, and a knack for clear and engaging content, Kankana simplifies complex financial concepts and offers practical insights to help readers make informed decisions and achieve financial success.</p></div></div><script type="application/ld+json" data-testid="organization-json-ld">{"@context":"http://schema.org","@type":"Organization","name":"BankBazaar","url":"https://www.bankbazaar.com/","logo":"https://www.bankbazaar.com/images/bankbazaar-logo.png","sameAs":["https://www.facebook.com/bankbazaar/","https://twitter.com/bankbazaar","https://www.instagram.com/bankbazaar/","https://www.linkedin.com/company/417362/","https://www.youtube.com/@BankBazaar","https://in.linkedin.com/company/bank_bazaar"]}</script></div></div></div></div></div><div class="py-5"><div class="border bg-transparent hover:bg-transparent"><details name=":R58l:" class="px-2.5 py-2.5"><summary class="cursor-pointer block relative"><strong>Disclaimer <span class="accordion-arrow absolute right-2.5"><svg xmlns="https://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down"><path d="m6 9 6 6 6-6"></path></svg></span></strong></summary><div class="py-2.5">Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. 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w-full my-4"></div><div class="items-center flex justify-center gap-4 p-2.5"><p class="text-sm text-white font-bold ">Learn More:</p><ul class="flex gap-2.5"><li class="text-sm inline-block w-auto pt-1 pb-1 m-1.5"><a class="inline-flex hover:underline no-underline text-white" href="https://blog.bankbazaar.com/category/credit-cards/" title="Credit Cards" aria-label="Credit Cards">Credit Cards</a></li><li class="text-sm inline-block w-auto pt-1 pb-1 m-1.5"><a class="inline-flex hover:underline no-underline text-white" href="https://blog.bankbazaar.com/yes-bank-bankbazaar-finbooster-credit-card/" title="Credit Card Offers" aria-label="Credit Card Offers">Credit Card Offers</a></li><li class="text-sm inline-block w-auto pt-1 pb-1 m-1.5"><a class="inline-flex hover:underline no-underline text-white" href="https://blog.bankbazaar.com/category/investment/" title="Investments" aria-label="Investments">Investments</a></li><li class="text-sm inline-block w-auto pt-1 pb-1 m-1.5"><a class="inline-flex hover:underline no-underline text-white" href="https://blog.bankbazaar.com/category/money-management/" title="Money Management" aria-label="Money Management">Money Management</a></li></ul></div><div class="items-center flex justify-center gap-4 p-2.5"><p class="text-sm text-white font-bold ">Others:</p><ul class="flex gap-2.5"><li class="text-sm inline-block w-auto pt-1 pb-1 m-1.5"><a class="inline-flex hover:underline no-underline text-white" href="/car-loan.html" title="Car Loan" aria-label="Car Loan">Car Loan</a></li><li class="text-sm inline-block w-auto pt-1 pb-1 m-1.5"><a class="inline-flex hover:underline no-underline text-white" href="/tax.html" title="Income Tax" aria-label="Income Tax">Income Tax</a></li><li class="text-sm inline-block w-auto pt-1 pb-1 m-1.5"><a class="inline-flex hover:underline no-underline text-white" href="/ifsc-code.html" title="Bank IFSC Code" aria-label="Bank IFSC Code">Bank IFSC Code</a></li><li class="text-sm inline-block w-auto pt-1 pb-1 m-1.5"><a class="inline-flex hover:underline no-underline text-white" href="/gold-rate-india.html" title="Gold Rate" aria-label="Gold Rate">Gold Rate</a></li><li class="text-sm inline-block w-auto pt-1 pb-1 m-1.5"><a class="inline-flex hover:underline no-underline text-white" href="/indian-holiday-calendar.html" title="Indian Holidays" aria-label="Indian Holidays">Indian Holidays</a></li><li class="text-sm inline-block w-auto pt-1 pb-1 m-1.5"><a class="inline-flex hover:underline no-underline text-white" href="/visa.html" title="Visa" aria-label="Visa">Visa</a></li></ul></div><div data-orientation="horizontal" role="none" class="shrink-0 bg-slate-200 dark:bg-slate-800 h-[1px] w-full my-4"></div><div class="items-start flex justify-center gap-4 p-2.5"><div class="items-center flex flex-col justify-center gap-4 p-2.5"><p class="text-sm text-white font-bold ">Mobile Apps:</p><ul class="flex gap-2.5"><li class="text-sm inline-block w-auto pt-1 pb-1 m-1.5"><a class="inline-flex hover:underline no-underline text-white" href="https://bnkbzr.page.link/qBro" title="Google play" target="_blank" aria-label="Google play"><img src="https://static.bankbazaar.com/images/download-android-application.svg" alt="Google play" title="Google play" width="121" height="36" loading="lazy" style="max-width:100%;display:inline"/></a></li><li class="text-sm inline-block w-auto pt-1 pb-1 m-1.5"><a class="inline-flex hover:underline no-underline text-white" href="https://bnkbzr.page.link/qBro" title="Apple Store" target="_blank" aria-label="Apple Store"><img src="https://static.bankbazaar.com/images/india/infographic/apple-store-button.svg" alt="Apple Store" title="Apple Store" width="121" height="36" loading="lazy" style="max-width:100%;display:inline"/></a></li></ul></div><div class="items-center flex flex-col justify-center gap-4 p-2.5"><p class="text-sm text-white font-bold ">Contact Us:</p><ul class="flex gap-2.5"><li class="text-sm inline-block w-auto pt-1 pb-1 m-1.5"><a 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