DBS Bank Debit Card

Visa Tap to Pay is a new contactless method of payment – the latest evolution in Visa payments. It is a simple, secure and quick payment method. The technology enables cardholders to ‘Tap’ their card on a contactless Point-of-Sale (PoS) terminal to make transactions up to ₹5,000, rather than ‘swiping’ or ‘dipping’ their card into PoS terminals.

Visa Contactless cards have a tiny antenna embedded into the chip which securely transmits payment instructions to and from a specially adapted card terminal. These cards feature a distinctive contactless mark and PoS terminals for Contactless Cards will also feature this contactless symbol.

At DBS Bank, we’re always looking for ways to make life easier for you. Introducing Visa Tap to Pay enabled DBS Bank Debit Cards will let you make quick and easy transactions. And we want you to have access to the latest features and benefits. Visa Tap to Pay enabled debit cards will be issued when:

• You request for a Debit Card for the first time on the digibank app
• You ask for a replacement card
• You renew your DBS Bank Debit Card

You can use your Visa Tap to Pay enabled card at any retailer displaying the contactless symbol at the point of sale in India and overseas.

To enable the debit card for use a Personal Identification Number (PIN) needs to be generated. There are multiple ways to generate PIN:

Steps to generate PIN via digibank app / mobile banking:

• Go to cards tab under the “Accounts” section <> Debit Card Tab.
•  Select the Debit card you wish to activate and click on generate PIN option.
• Set the PIN of your choice and confirm the same. Authorize the PIN set transaction using digibank app.

Steps to activate card via net banking:

•  Log in to your internet banking www.dbsbank.in/login 
• Go to the cards tab under the “Have” section.
• Select the Debit card you wish to activate and click on generate PIN option.
• Set a PIN of your choice and then authorize yourself using OTP.

OR

• Call on Bank’s Customer Care number- 18602103456/+91 44 4902 1180 from your registered mobile number for further assistance.

The Debit Card is delivered within 7 working days post issuance. In case of non-receipt of Debit Card, the customer can either contact their Relationship Manager/Branch or seek support via Customer Care.

Throughout the delivery process, you will receive SMS updates along with a tracking number.

You can track the delivery status of your debit card on the courier's website using the tracking number sent via SMS within 2 working days of requesting the card. It usually takes up to 7 days for the Debit Card to reach you.  Our courier will make three attempts to deliver your card before  returning it to us. If courier services are not available in your area, your card will be delivered to you in 12 working days through other courier services like Speed Post. Please note : Debit card will be delivered only to the account holder or to the blood relative of the customer after checking the valid ID proof.

For any assistance, you can contact your relationship manager or connect with our Customer Care at 1800-209-4555/+91-44-6685-4555.

Yes, your debit card is equipped to process online transactions. Please note that as per RBI guidelines, the online transactions are disabled by default when the card is issued. It should be first activated from the digibank app Is before using it for any online payments or e-commerce payments.

Customers can easily enable e-commerce payments using the DBS Bank digibank app.

Under Accounts -> Cards -> Card Settings, turn on E-commerce / Online Transactions Usage (for Domestic, International) and set the desired limit.

For more details, reach out to us on our customer care number 18602103456/+91 44 4902 1180.

Bank offers multiple ways to re-set the debit card pin. 

1. Mobile/digibank app: Reset pin option is available under "Accounts" section of the DBS Bank digibank app, click on the debit cards tab, choose the debit card for which you would like to reset pin and click on Change PIN. Now, enter your new PIN.
2. Internet Banking: Reset pin option is available under "Accounts" section of the DBS Bank internet banking app, click on the debit cards tab, choose the debit card for which you would like to reset pin and click on Change PIN. Now, enter your new PIN.
3. ATM: You can reset the PIN for the card through any of our DBS ATMs via OTP at your registered mobile number and activate the card to continue to avail the debit card services.

In the event that your debit card is lost, you can block it permanently using the Mobile Banking/digibank app or by contacting customer support at 18602103456/+91 44 4902 1180. Further, you can also place request for re-issuance of a new Debit card at the time of blocking or later. 

Debit card pin can be generated through mobile banking/digibank app or Internet Banking or ATM.

1. Mobile/digibank app: Generate pin option is available under "Accounts" section of the DBS Bank Mobile banking / digibank app, click on the debit cards tab, choose the debit card for which you would like to reset pin and click on Change PIN. Now, enter your new PIN.
2. Internet Banking: generate pin option is available under "Accounts" section of the DBS Bank internet banking app, click on the debit cards tab, choose the debit card for which you would like to reset pin and click on Change PIN. Now, enter your new PIN.
3. ATM: You can set the PIN for the card through any of our DBS ATMs via OTP at your registered mobile number and activate the card to continue to avail the debit card services.

The Debit Card is issued as per the account variant opted by you. Currently, only Bank initiated card upgrades are allowed which are basis the net relationship value under program banking.

Yes, you can perform international transactions using DBS Bank Debit cards. However, when the debit cards are issued, the international transaction feature is disabled by default as per the RBI mandate. Customers can easily turn it on using the DBS Bank mobile banking / digibank app.

Under Accounts -> Cards -> Card Settings, turn on International Usage (for Online, Offline, Contactless or ATM Withdrawal) and set the desired limit.

Yes, your Debit Card is equipped to process offline transactions at merchant outlets. Please note you would need a PIN to carry out such transactions. 

Below are the ways to generate PIN: 

1. Mobile/digibank app: Generate pin option is available under "Accounts" section of the DBS Bank Mobile banking / digbank app, click on the debit cards tab, choose the debit card for which you would like to reset pin and click on Change PIN. Now, enter your new PIN.
2. Internet Banking: Generate pin option is available under "Accounts" section of the DBS Bank internet banking app, click on the debit cards tab, choose the debit card for which you would like to reset pin and click on Change PIN. Now, enter your new PIN
3. ATM: You can set the PIN for the card through any of our DBS ATMs via OTP at your registered mobile number and activate the card to continue to avail the debit card services.

In case you have forgotten the pin, please follow below to reset PIN:

1. Mobile/digibank app: Reset pin option is available under "Accounts" section of the DBS Bank Mobile banking / digibank app, click on the debit cards tab, choose the debit card for which you would like to reset pin and click on Change PIN. Now, enter your new PIN.
2. Internet Banking: Reset pin option is available under “Accounts” section of the DBS Bank internet banking app, click on the debit cards tab, choose the debit card for which you would like to reset pin and click on Change PIN. Now, enter your new PIN
3. ATM: You can reset the PIN for the card through any of our DBS ATMs via OTP at your registered mobile number and activate the card to continue to avail the debit card services.

You can modify your limits through DBS Bank mobile / digibank app. On digbank app, navigate through Accounts, click Debit Cards, select the card for which you wish to modify limit and use manage option. You can also reach out to our branches for placing request for modify/change limit.

Debit cards are issues based on the account variant you hold with the Bank. The details of the charges can be viewed here: https://www.dbs.com/digibank/in/schedule-of-charges.page

Permissible international transactions on the ATM, POS and E-Commerce do invite charges and the relevant rates and fees are mentioned on our https://www.dbs.com/digibank/in/schedule-of-charges.page

Go to the "Debit Cards" tab under the "Accounts" section of the DBS Bank mobile banking / digibank app. Choose the debit card you wish to block. Select the Permanently Block/ Unblock option.

You can also Permanently block or unblock your card by contacting your nearest bank branch or by calling customer care on 18602103456/+91 44 4902 1180. Alternatively, you can send SMS HOTLIST to 7065154444.

Follow these simple steps to block your card: Menu > My Account > Debit Card > Block this Card

In case of a Lost mobile/Card or both, please contact our emergency hotline immediately at (Within India): 1860 210 3456 OR 1860 267 1234.

For International call: +91 44 6685 4555 and notify us, so we can help to block your debit card.

You can also hotlist your card by sending an SMS though your registered number: SMS HOTLIST on number: 7065154444 and your card will get permanently blocked immediately.

You can request for a replacement card from the app once you get your new phone.

Go to the "Debit Cards" tab under the "Accounts" section of the DBS Bank mobile banking / digibank app. Choose the debit card you wish to block/unblock. Select the Temporary Block/ Unblock option.

You can also temporarily block or unblock your card by contacting your nearest bank branch or by calling customer care on 18602103456/+91 44 4902 1180. Alternatively, you can also send SMS HOTLIST to 7065154444.

You should immediately put a permanent block on your debit card if it gets stolen. To block your card, go to the "Debit Cards" tab under the "Accounts" section of the DBS Bank mobile banking / digibank app. Choose the debit card you wish to block. Select the Permanently Block/ Unblock option.

You can also Permanently block or unblock your card by contacting your nearest bank branch or by calling customer care on 18602103456/+91 44 4902 1180. Alternatively, you can send SMS HOTLIST to 7065154444.

You can place a request for re-issue of the debit card from your DBS Bank mobile banking / digibank app.

Yes, you can perform contactless transactions using DBS Bank Debit cards. However, when the debit cards are issued, the contactless feature is disabled by default as per the RBI mandate. Customers can easily enable contactless transactions using the DBS Bank mobile banking / digibank app. 

Under Accounts -> Select Debit Cards and turn on the Contactless transactions (Tap and Pay) option

You can get a host of exciting offers on your DBS Bank Debit Cards across categories such as Grocery, Utilities, Travel, Food and Dining, Health and Wellness, Shopping, and Education.

To know more about the offers associated with your Debit Card variant visit: DBS Offers

Since Debit Cards have already become so popular as a medium of transaction in recent times, you do not have to apply for them separately. Usually, whenever you open a savings account with DBS Bank. Debit Card is offered / issued alongside. Thus, you are saved the trouble of applying for a Debit Card separately.

You can always apply for a Debit Card by submitting an application at your nearest DBS Bank branch. You will be issued with a Debit Card within 7 days of your application.

You can apply for a DBS Bank Debit card online with these five simple steps-

• You can visit DBS Bank’s Internet banking or digibank app and apply for a debit Card in the "Accounts" section of the DBS Bank digibank app, click on the debit cards tab, choose the debit card you wish to apply for.
• Within Debt Cards as well, you can choose which category you wish to apply for. This decision has to be made depending upon the benefits and requirements that you are seeking through the use of Debit Cards.
• Once you have submitted your details and the required documents (Most of which is already available with the bank and is required only for updates or verification purposes), you need to wait for 7 days before receiving the card.
• Along with the card, you will also receive a set of confidential information, like Personal Identification Number or PIN or the Green PIN can be generated through DBS Bank ATM.
• This PIN is to be used for all transaction and payment purposes. Once you have the card and the PIN, you can transact using your card anytime you want.

Looking to get your own DBS Bank Debit Card? New customers can get a new Debit Card through opening a new Savings Account while experiencing hassle-free banking with DBS Bank. Existing DBS Bank customers can get their Debit card reissued or replaced within stipulated timelines through Internet Banking or Digibank app or apply for a Debit Card by submitting an application at your nearest DBS Bank branch. You will be issued with a Debit Card within 7 days of your application.

Yes, your Debit Card is insured. For further details, please refer to our Terms and Conditions on Debit Cards.

You can generate a debit card PIN at the ATM, via the following steps –

• Upon inserting your debit card, select Green PIN from the menu In the Next screen
• Select “Generate OTP”
• OTP will be sent to your registered mobile number, with a validity of 3 minutes. Once the card light blinks, it is a prompt for you to remove the card.
• After receiving the OTP, insert your debit card again & reselect “Green PIN” & then the option “Validate OTP”.
• Enter the OTP received on your registered mobile number on the ATM screen.
• Once OTP is validated, please enter your new 4-digit PIN & select confirm.
• Re-enter the new 4-digit PIN & press confirm.
• Upon successful completion of the process, you will get the confirmation message on the screen and via SMS.

NOTE: The Green PIN generation process is applicable to all cards.

For your card safety you can now Enable/Disable any debit card feature via the digibank app. Please find the steps for the same –Login > Go to Account > select Debit Card > Card use settings. With your digiSavings VISA Debit Card, you can withdraw a maximum of INR 50,000 daily at any ATM in India. If you are overseas, you can withdraw an amount equivalent to upto INR 25,000 daily from VISA enabled ATM's. You can check your daily limits from the app by clicking on My Account > Debit Card > Manage Debit Card

Important: In case of international cash withdrawal transactions, applicable exchange rates and other fees, including TCS will be levied. Please visit our website www.dbsbank.in  / https://www.dbs.com/digibank/in/schedule-of-charges.page for all applicable rates & fees for Debit Cards

The limit for your debit card is as per the account type you hold which cannot be exceeded.

You can choose to change the daily limit of your physical debit card for domestic and international transactions respectively within the set account limits.  Simply login to digibank app > My Account > Debit Card > Daily limit.

With our Physical Debit Card, you enjoy easy withdrawals at nearly 2 lakh ATMs across India & shopping at over 1 lakh online merchants, within specified card limits.

• Our Visa payWave-enabled card is a quick and convenient way to pay with a simple tap & no signature (or) PIN required, for up to a maximum of INR 5,000 only.
• All our debit cards use the highest possible encryption and multiple layers of security features.
• Our digibank debit card carries a minimal annual fee, applicable from the second year onwards.
• Please click https://www.dbs.com/digibank/in/schedule-of-charges.page to refer our Rates & Fees for the applicable charges
• For any further queries, please write to us at [email protected].

Kindly check if you have followed the below mentioned steps to activate your card in the digibank app: From the Menu > select My Account > Activate Debit Card > Enter 3 Digit CVV mentioned on the back of the card & Verify > Create & Re-type the 4 digit PIN of your choice > Save the PIN to activate your debit card.

You can also visit the nearest DBS Bank ATM to set the PIN and activate your debit card. If you are unable to see the activate debit card option in the digibank app or if you were unable to activate it at the ATM, then please write to us at [email protected] and we shall provide you with a response within 3 working days.

Please check the below list of Visa Lounge

https://www.visa.co.in/content/dam/VCOM/regional/ap/india/global-elements/documents/in-participating-airport-lounges.pdf

For more details, reach out to us on our customer care number 18602103456/+91 44 4902 1180.

The Tax collected at Source (TCS) charges are applicable on Debit Card remittance transaction beyond aggregate remittance spends of INR 7 Lakh in an annual year. For the purpose of computing the limit of INR 7 lakhs, the aggregate of all Forex withdrawals availed by the customer under LRS across all the products (e.g. Outward Remittances, Forex Cards, Debit Card, etc.) is taken into consideration.

Effective 1^st April 2024, DBS Bank debit card international spends will be charged at 0% Tax Collected at Source (TCS) for Liberalized Remittance Scheme (LRS) utilisation within ₹7 lakh, and at 20% if it is above ₹7 lakh, as per “LRS for other purposes”.

Threshold limit of ₹7 lakh per financial year, mentioned above, is aggregate threshold of forex availed at customer PAN level (Outward Remittances, Forex Prepaid Cards, Currency, and Foreign Currency Demand Drafts, etc.). Maximum LRS limit will be at US$250,000.

TCS will be applicable for all foreign cash withdrawals through ATM using DBS Bank Debit Card and international transactions performed through POS or e-commerce, including transactions done on Foreign Merchants or sites which offer Dynamic Currency Conversion (DCC) transactions.

Effective 1^st April 2024, DBS Bank debit card international spends will be charged at 0% Tax Collected at Source (TCS) for Liberalized Remittance Scheme (LRS) utilisation within ₹7 lakh, and at 20% if it is above ₹7 lakh, as per “LRS for other purposes”.

Threshold limit of ₹7 lakh per financial year, mentioned above, is aggregate threshold of forex availed at customer PAN level (Outward Remittances, Forex Prepaid Cards, Currency, and Foreign Currency Demand Drafts, etc.). Maximum LRS limit will be at US$250,000.

We will only deduct annual charges for the active debit card that you hold for your account. Kindly note that there are charges levied for any debit card reissuances, over and above the 4 free replacement debit cards for that year.

You cannot use digibank app or internet Banking without a Debit Card. Your DBS Bank Debit Card offers benefits like unlimited withdrawals at 2,00,000 ATMs across India, shopping at over 1,00,000 online merchants and most importantly, an active debit card will come handy should you ever need to reset your password while accessing your account on the digibank app.

If you would like to explore other account types, please visit our website dbsbank.in for more details.

RBI has directed the payment aggregators, wallets and online merchants (entities in card transaction/payment chain other than card issuers/card networks) not to store any sensitive card related customer information including full card details. Hence, the card numbers can be replaced with ‘token’s as mentioned above. This RBI mandate would come into effect from 1^st October 2022. Please be assured that this will not hamper your debit card experience but will make your debit card transactions more secure.

We are offering rewards / offers / cash back on qualifying transactions done on your DBS Bank debit card. Find more details for our rewards / offers / cashback program: DBS Offers

Yes, there is a cap on rewards / offers / cashback, please find below details for our rewards / offers / cashback program: DBS Offers

(a) Fixed Standing Instructions: The recurring payment from the merchant will always be for a fixed amount. For example – monthly deduction of INR 500 for a subscription on an OTT platform.

You can check for the Standing Instructions via the DBS Bank digibank app. From the digibank app, you will be redirected to the DBS Bank SiHub platform for the required information.

You can easily manage your Standing Instructions by following the steps below:

STEP 1 - Login to the DBS Bank digibank mobile application.

STEP 2 – Click on “Debit Cards” from the hamburger menu.

STEP 3 - Select the Debit card.

STEP 4 - Click on “Manage Mandate” tab and will be redirected to SI hub platform.

STEP 5 - Enter your credentials.

You can modify the following criteria in an active Standing Instruction –

(a) Standing Instruction limit amount (only in case of Variable type of Standing Instruction. Please refer to FAQ no. 3 to know about Variable Standing Instructions).

Yes, SMS and e-mail alerts will be sent to you on your registered mobile number and registered e-mail ID available with us –

(a) when the Standing Instruction for payment is set up on your DBS Bank Debit Card, and

As per the RBI guidelines on ‘Processing of e-mandate on cards for recurring transactions’, several requirements are mandated for processing recurring transactions/standing instructions set up on debit cards.

As per the regulatory requirements, some of the key security & safety measures are as listed below:

• Mandate registration, modification, deletion now requires additional factor authentication (AFA).
• Customers will get a pre-debit (SMS/Email) notification 24 hours prior to the debit.
• Customers have the facility to view / modify / cancel any standing instructions set on their card.
• Customers can set maximum amount for each SI. If the transaction amount is greater than the maximum amount assigned by customer, the pre-debit notification will have a link for the customer to authenticate the transactions with AFA. Without this authentication, the transaction will not be processed.
• Any recurring transaction of amount greater than INR 15,000 requires AFA each time the amount is debited.

These inputs will vary from merchant to merchant. However, below are some of the fields of information which can be sought by a merchant-

• Bill parameters (eg. Relationship number, Consumer number, Meter number, Plan name, Policy number, etc. as the case may be)
• Standing Instruction (SI) start date
• Standing Instruction (SI) end date