Debit Card FAQ
A Debit Card gives you online access to your bank account. The Dhanlaxmi Bank International Debit Card allows you to purchase goods at Merchant Establishments and also gives you the freedom to withdraw cash from ATMs in India and abroad
A Debit Card is a Buy Now, Pay Now card while a Credit Card is a Buy Now Pay Later card,
Therefore, with a Debit Card you don’t have to pay at the end of each month and hence, no interest is charged. A Debit Card gives you all the conveniences of a Credit Card and helps you regulate your spending.
There is no monthly outstanding in the case of a Debit Card. Your account will be instantly debited to the extent of purchases made or the amount withdrawn from ATMs on the Debit Card.
The main benefit of being a Debit Cardholder is that you enjoy unparalleled access to your account wherever you want, wherever you go. Besides, you can control your finances since the balance in your account determines your spending limit.
You can use your Dhanlaxmi Bank International Debit Card at All Dhanlaxmi Bank ATMs and all VISA/PLUS & other network (Cashtree, Cashnet, NFS) ATMs
Your Debit card needs to be activated for a Purchase transaction at a POS terminal by first doing a successful ATM transaction at any of the Dhanlaxmi Bank ATMs or partner network ATMs.
The following precautions are to be taken while using an ATM:
- Be aware of your surroundings, particularly at night. If you observe or sense suspicious persons or circumstances do not use the machine at that time.
- Be careful that no one can see you enter your PIN at the ATM. Use your body to shield the ATM keyboard as you enter your PIN.
- Follow the instructions on the display screen
- Keep your account information confidential; always take your receipts or transaction records with you.
- Never force your card into the card slot.
- Do not be in a hurry during the transaction and carefully secure your card and cash in your wallet, handbag or pocket before leaving the ATM.
- Make sure you collect your card after the transaction, along with the receipts.
The withdrawal limit per day from an ATM depends upon the deposit product chosen by you. Please get in touch with your branch for further details in this regard.
If you enter the incorrect PIN number three times in succession your card will be ‘locked’. It will then be unlocked after 24 hours. Once your card has been unlocked you can use it by entering the correct PIN, if at this time you enter the wrong PIN it will blocked again for the whole day. You can try again next day with the correct PIN. You will not be able to use the card on POS till the time there is no successful transaction on ATM with your card
You are required to contact your branch with a written application so that they can raise a request for new PIN, which will be delivered to your communication address.
This may happen only in case of ATMs with motorized card readers and it will happen only due to some problem with the hardware, power related issues, exceeded wrong pin limit, lost card (if reported already and noted) and expired cards, etc. If your card is retained at any ATM, please contact the Customer Service Phone Banking unit on the toll free number 044-42413000 or contact your branch to hot list the card and submit the required details to collect the card/further procedures.
It is very important to memorize your PIN .You should choose four numbers that are easy for you to remember but hard for someone else to figure out .You should always keep your PIN a secret.
Immediately contact the Customer Service Phone Banking unit on the toll free number 080-67216000 or notify your bank followed by a confirmation letter in writing. You will be required to fill in a fresh application form for a duplicate card.
Please see the error message and contact the Customer Service Phone Banking unit on the toll free number 044-42413000 or make a note of the details in the complaint register provided at the ATM centre or visit nearest branch. Please note that oral complaints should be followed and confirmed by written and signed letters for validation. While making the compliant please give your name, card number, time of the transaction and error message. Incomplete complaints will not be processed.
Normally, the amount will be reversed automatically. Kindly verify your account, if not, contact the Customer Service Phone Banking unit on 044-42413000 or contact your branch and submit a letter in writing with the Name, Card number, Account Number, amount of transaction, date and time of transaction and the name and place of the ATM through which the transaction was done for further immediate actions.
