Zero Charges on 28 Commonly Used Savings Account Services
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Debit Card is a physical or virtual card issued by bank to its customers, linked to a Saving Bank or Current Account, which can be used to withdraw cash, make online payments, do PoS terminal/Quick Response (QR) code transactions, fund transfer and other transactions implemented by Bank time to time.
Service |
Scenario |
Action |
TAT |
Card activation |
To be performed by cardholder on receipt of new debit card either at the time of account opening or reissuance. |
Cardholder to visit Mobile Banking or Netbanking or call IVR to set PIN. Once PIN is set card becomes active |
Immediate |
Enabling transaction flags and set limits of choice |
To be carried out by cardholder to perform international ATM, International PoS, Online and contactless transactions |
|
Immediate or As per STP
|
Temporary Blocking of Card |
To be carried in case customer want to stop debit card transaction temporarily due to non-usage or unable to locate the card |
|
Immediate or As per STP |
Permanently block |
To be carried in case customer want to permanently block card citing loss of card or damage. |
|
Immediate or As per STP
|
Permanently block and reissue |
To be carried in case customer want to permanently block card citing loss of card or damage and reissue the card |
|
Immediate or As per STP
|
Transaction Dispute |
To raise transaction dispute in case account is wrongly debited or incorrectly debited |
|
Immediate or As per STP |
Debit Card Dispute resolution
Bank shall resolve all disputes in line with TAT defined by RBI.
|
ATM |
POS |
ECOM/Online |
Domestic |
T+5 |
T+5 |
T+5 |
International |
T+10 |
T+10 |
T+10 |