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Dhanlaxmi Bank International Visa Debit Card provides you access to your deposits on a 24x7 basis. You can now use your Debit Card at Merchant Establishments to shop for your groceries, dining, travel and much more. But that’s not all! Your Debit Card also doubles up as an ATM card, which you can use at any Visa ATM across India and overseas! Keep watching this space as we work towards adding features & benefits to your debit card which suit your lifestyle and makes your banking transactions completely hassle free and convenient.

Benefits & Features

  • Internationally Valid for Cash Withdrawal & Purchases:
    You will now have online access to your account at over 300 Dhanlaxmi Bank ATMs and at about 50,000 VISA ATMs in India. You can also access your account at over a million Visa ATMs across the world. Your Dhanlaxmi Bank Debit Card can also be used at our partner network ATMs, viz. Cashnet, NFS and Cashtree. Look out for the following signs at the ATMs where you can use your Debit Card for Cash withdrawal or Balance Inquiry
  • Enhanced limits of withdrawals
    Based on the deposit product you choose, the Bank provides you with a withdrawal limit of up to Rs 100,000/- per day at ATMs and for purchase transactions respectively. When travelling overseas, the applicable withdrawal limit is converted in to the respective foreign exchange equivalent.
  • Convenient option for your purchases:
    Shop at more than 425,000 outlets in India and 13 million+ establishments worldwide supported by Visa. The amount gets debited directly to your account in Rupees, irrespective of the currency you spend in, if you are overseas.
  • Insurance
    Your Debit Card comes with protection against burglary, dacoity, etc. for cash withdrawn through any ATM. There is a *ZERO liability cover for fraudulent cash withdrawals/POS (Point Of Sale) ensuing a lost or stolen card. *conditions apply
  • Validity
    Your Dhanlaxmi Bank Debit card comes with an extended validity of 5 years from the time it is issued.

Our Helplines

  • In case you have any queries related to your Debit Card or you need to report the loss or theft of your Debit Card, you may call on the Customer Service number on : 080-67213000 or send an email to
  • Note: Although loss or theft may be reported by means of the call to the Customer Care, you must confirm the same in writing to the Bank branch as soon as possible.
    a) Provided you have in all respects complied with the terms and conditions, a replacement Debit Card may be issued at the sole discretion of the Dhanlaxmi Bank at the applicable fee.  
    b) Should you subsequently recover the Debit Card, it cannot be used. Please destroy the Debit Card by cutting it into several pieces through the magnetic strip.


  • Individual account holders and sole proprietorship concerns are eligible for this facility.
    NRI: Holders of NRE savings and current accounts are also eligible for the Debit Card. A minor, or an account in which a minor is a joint account holder (joint operation), is not eligible for a Debit Card. Joint Accounts with joint operations are not eligible for a ATM/Debit Card since operations are Restricted to account holders with joint signatures. Debit Card will not be issued to other entities including partnership firms, companies, trusts, societies etc.

How to apply for the Debit Card

  • New Customers If you do not have a banking relationship with Dhanlaxmi Bank, you will need to open a savings account with Dhanlaxmi Bank. Please visit our nearest branch to apply for savings account.
  • Existing Customers If you already have an Dhanlaxmi Bank Account, download the Visa International Debit Card Application Form from the website.

Dos & Don'ts with your Debit Card

The Dos:
  • Sign on the signature panel on your Debit card immediately upon receipt of your Card.
  • Protect the magnetic strip on the reverse of the card from exposure to direct sunlight, magnets, and scratches, as it contains important information about your card.
  • Keep a photocopy of the front & back of your card and quote your Debit card number to the Bank in all your communications.
  • Keep your ATM PIN a secret to prevent any misuse of your Debit Card.
  • In case your card is stolen/ misplaced, call Dhanlaxmi Bank Customer Service number provided at the back of the card, to inform us about the same.
  • Keep your charge slips safe, to tally them against your Billing Statement
  • In case you need your Debit Card to be re-issued or terminated, please send in your request in writing to the Dhanlaxmi Bank branch where you have your account.
  • Upon Debit Card expiry or closure of your account, please cut your Debit Card into several pieces through the magnetic strip to prevent any misuse.
  • If your Debit Card is lost/stolen, or if you suspect that your Debit Card has been used fraudulently, call the Customer Service Number at +91 044 42413000, immediately to report the loss of your card.

The Don’ts:

  • Never keep a copy of your PIN in your wallet and never write your PIN number on your Debit Card.
  • Do not leave your Debit card unattended. The card can be misused easily.
  • It should never be surrendered to anyone other than a designated Bank Officer at a Dhanlaxmi Bank branch and that too only after cutting it into several pieces through the magnetic strip
  • Never reveal or surrender your personal identification number (PIN) to anyone. Please destroy all evidence of the PIN after memorizing it.
  • Always ensure that the Debit card is used in your presence when transacting at merchant establishments. Never sign an incomplete sales slip
  • Do not attempt to use your Debit card at merchant establishments that do not possess VISA Electron Point-of Sale swipe terminals
  • Do not attempt to use your Debit card for making purchases via Telephone/mail or in any other 'card not present' situation.

Do not attempt to use your Debit card for Internet transactions at it is not supported presently.

Frequently Asked Questions (FAQs)

  • What is a Debit Card?
    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.

  • What is the difference between a Debit Card and a Credit Card?
    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.
  • What is the mode of payment for a Debit Card?
    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.
  • What are the benefits of being a Debit Cardholder?
    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.
  • Where can I use my Debit Card?
    You can use your Dhanlaxmi Bank International Debit Card at All Dhanlaxmi Bank ATMs and all VISA/PLUS & other network (Cashtree, Cashnet, NFS) ATMs
  • Is my Debit card activated automatically for doing a purchase transaction?
    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.
  • What are the precautions to be taken while using an ATM?
    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.
  • How much can you withdraw from the ATM per day?
    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.
  • What will happen if you enter the wrong PIN?
    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
  • What should you do if you forget your PIN?
    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.
  • What is the procedure, if the ATM retains your card?
    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 080-67216000 or contact your branch to hot list the card and submit the required details to collect the card/further procedures.
  • How do you choose your PIN?
    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.
  • What you have to do if your ATM or Debit card is lost or stolen?
    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.
  • What you should do, if the transactions are not processed by the ATM?
    Please see the error message and contact the Customer Service Phone Banking unit on the toll free number 080-67216000 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.
  • What you should do, when cash is not dispensed, but account is debited while doing cash transaction through ATM?
    Normally, the amount will be reversed automatically. Kindly verify your account, if not, contact the Customer Service Phone Banking unit on 080-67216000 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.




Domestic Offer
Spend Category Program Name Offer Eligible Cards Validity
Shopping Offer

  • Rs. 150 Gift Voucher
  • Coupon code can be availed by visiting
  • Offer redeemable on minimum purchase of Rs. 799 & above
All Visa Cards Valid till 30th September 2011
Shopping Offer

  • Enjoy upto 55% discount on select merchandise merchandise on
All Visa Cards Valid till 14th June 2012
Dining Visa - Pizza Hut KingSize Meals Offer
  • Save up to 32% with Kingsize meals (pre-set) around Pizza, Pasta & Tuscani Singles

Terms and Conditions

All Visa Cards Valid up to 30th December 2011
Dining Barista Coffee – Special Visa Meals
  • Save up to 30% with exclusive customized meals for 2 /4 people – Choice of sandwiches, beverage and dessert

Terms and Conditions

All Visa Cards Valid till 31st March 2012
Travel Visa – HotelClub Program
  • Enjoy up to 75% off 50,000 hotels worldwide, from small boutique properties to 5-star hotel chains in over 130 countries, all bookable at the last minute or up to 12 months in advance!
  • Booking URL:
All Visa Cards Valid till 31st December 2011 (extended)
Travel Visa e-Travel  Program: Go Explore
  • Visa’s go.explore platform – brings great value and exciting offers to all Visa cardholders across 28 destinations in Asia Pacific, Europe, Middle East and Africa
  • Discount offers across travel, retail, dining and entertainment
  • Visit for more details
All Visa Cards Validity different for different destinations
Travel Super-smash Thailand Offer
  • 2 Nights’ accommodation for a couple (2 adults) at Evason resorts in either Phuket or Hua –Hin
  • 1 Night accommodation for a couple in a 5 star grade property (Holiday Inn or equivalent) in Bangkok
  • Breakfast and Taxes included
  • All land transfers included (Bkk–Hua-Hin–Bkk; and all Airport transfers)
  • 20% discount on F&B restaurants (excluding room service and mini bar) in the hotel excluding alcoholic beverages
  • Entire package for INR 16,800 all inclusive for 2 adults on twin sharing basis
  • Bookings on

Terms and Conditions

Classic Card Valid till 31st March 2012


click here for the Debit Cards Terms & Conditions

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