How to Apply For a Debit Card Online?

Posted on Monday, July 25th, 2022 | By IndusInd Bank

Debit cards are great. They make our lives so much easier because once you have a debit card; you can make most of you transactions, whether at a brick and mortar store or an ecommerce website, electronically. It eliminates the need to carry big bundles of cash everywhere that you go. In addition, the debit cards come with reward points and cash back offers using which, you can save up some money on your spends as well.

Also Read: What is a Debit Card? Features, Benefits & How it Works

Eligibility to Apply for a Debit Card

You need to have an active bank account to be eligible for a debit card. Generally, you need to meet the following criteria: 

• Active  Account: You need to have an active savings/salary account with your bank. 

• Complete KYC: Complete your KYC requirements including submission of identification and address proof. 

• Indian Citizen: You need to be an Indian resident to hold a bank account. 

Note that eligibility criteria may vary slightly from one bank to another. 

Step-by-Step Guide to Apply for a Debit Card Online

Most of the times, when you open a savings account, your bank will automatically issue a debit card to you and there would be no need to fill out a separate application. In case your bank doesn’t issue a debit card automatically, you can apply for a debit card online. Here is how you can apply for a debit card online and the steps you need to follow once you get your debit card:

• You will need to have a Savings or a Current account with the Bank to have a Debit Card.
• While you apply for the account you can either choose a card of your choice or take the default Debit Card that comes with the account
•  Existing Current & Savings Account customers can Visit the bank’s website and navigate the different types of debit cards and their features
• Check the rewards and benefits offered by the debit cars before making the final decision
• Once you have selected the debit card, click on ‘Apply Now’
• You will be redirected to a new page where you need to fill the necessary details such as your name, phone number, email id, state and the PIN code
• After filling all the details, submit the form for further processing
• Once you get the card,  you need to set the PIN
• After setting up the PIN and the card, you can use the debit card for all transactions

How to Activate and Start Using Your Debit Card

You can easily activate your debit card by following the below steps: 

• Open your bank’s mobile banking app or website 

• Sign in using your registered number or bank account details or name 

• Navigate to “Set PIN” option and enter your card details like the CVV, expiry date and required personal details. 

That’s it. You can now use your debit card for any transaction. 

How to Set Up Your ATM PIN

Once you receive your debit card, you will need to set up your card’s PIN in order to use it for online transactions. This process differs from bank to bank. Some will send your card’s PIN via a separate post. It is advised to change that PIN by visiting an ATM machine.

Other banks require you to set up a PIN using their mobile app or website. In such cases, just login to your bank’s mobile app, navigate to the debit cards section, and set up your PIN.

Remember to never share you debit card PIN with anyone, not even the bank. Stay cautious of fraudulent text messages asking for your PIN.

Also Read: What are Virtual Debit Cards and How to Use Them?

Conclusion

So that’s it! That is all you need to do to get a new debit card and set it up for payments and cash withdrawals. If you are looking to apply for a debit card, IndusInd Bank offers some amazing features such as discounts on major ecommerce websites, free movie tickets, and more.

FAQs

How long does it take to receive a debit card after applying online?

It usually takes about 5-10 days to receive a debit card after your application is approved.

Is there a fee for applying for or issuing a debit card?

The fee depends on the card type and the bank’s policy. Some banks issue basic debit cards at no additional cost, while premium debit cards may have issuance, annual, or replacement charges. Please check the applicable schedule of charges for your selected card. 

Can I get a virtual debit card instantly instead of waiting for a physical one? 

Yes, many banks offer virtual debit cards that can be generated instantly through mobile or internet banking.

When should you not use a debit card?

You should avoid using a debit card when a website or merchant appears untrustworthy.