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Debit Card FAQs

    • What is an Equitas Bank Debit Card?
      An Equitas Bank Debit Card which is a payment card, enables the customer to make secure purchases conveniently by facilitating deduction directly from a consumer’s liability account. Debit Cards eliminate the need to carry cash or physical cheques to make purchases.
    • What is Chip based Debit Card?
      It is a debit card that has a chip on the front and the traditional magnetic stripe on the back. The chip provides added security when used with a chip-enabled POS terminal or ATM and greater global acceptance.
    • How does debit card work?
      Debit card serves dual purpose: it functions like a regular ATM card at ATMs and at Merchant establishments it works like a credit card, except that the transaction amount is directly debited from your saving/ current account.
    • What are the benefits of Chip based Debit Card?
      Chip Card variant is widely accepted. Debit Cards with microprocessor chip technology are extremely difficult to counterfeit or copy when used with a chip-enabled terminal or ATM. The chip contains all information in an encrypted format hence making it more safe.
    • How can I apply for an Equitas Bank Debit Card?
      You can choose to apply online or drop in at the nearby branch. An Equitas Bank Debit Card comes along with the Account Kit which is given to you at the time of account opening.
    • What are the details mentioned on my Equitas Bank Debit Card?
      Front of your Equitas Bank Debit Card will cary:
      • Chip on the left of the plastic
      • 16-digit debit card number
      • Debit Card Expiry Date
      • Debit Cardholder Name (Only for personalized cards)

      The back of your Equitas Bank Debit Card will carry:
      • Customer service number
      • 3 digit CVV number
      • Signature panel
    • What is CVV Number?
      The CVV number is a code entered on the back of the card. There are 7 digits entered near the signature panel at the back, out of which the last 3 digits are the CVV number. This value is required as a form of authentication for online and IVR transactions.
    • How do I activate an Equitas Bank Debit Card which comes along with my Bank’s Welcome Kit?
      To activate your Equitas Bank Debit Card, PIN based financial transaction through ATM or POS should be performed.
    • Will I receive the Physical Pin?
      Yes, the Physical Pin will be couriered separately to your registered mailing address.
    • What are the ways to reset the Debit Card PIN?
      Debit Card PIN can be instantly changed using ATMs, Internet Banking and Mobile Banking. You can also call the Phone Banking Centre and request for duplicate Physical PIN which will be couriered to the registered mailing address.
    • How can I block the Equitas Debit Card if the same is lost/ stolen or damaged?
      Immediately get your Equitas Debit Card blocked and place a request for new Equitas Debit Card by
      • Calling our 24 hrs phone banking Centre at 1800 3000 1222 Or
      • Block the debit card using Internet banking, Mobile Banking
      • By visiting a nearby Equitas Bank branch
    • I do not remember my Equitas Bank Debit Card PIN. How can I generate it?
      You can generate your Equitas Debit Card PIN by
      • Calling our 24 hrs Phone Banking Centre at 1800 3000 1222 Or
      • Logging into Equitas Bank Mobile Banking App or Internet Banking at www.equitasbank.com
      • By visiting a nearby Equitas Bank branch
    • What are the charges for using the Equitas Debit Card at other bank ATMs?
      Charges for using Equitas Debit Card at other bank ATMs are mentioned here https://www.equitasbank.com/savings
    • Will I be able to use Equitas Debit Card for international transactions?
      Immediately get your Equitas Debit Card blocked and place a request for new Equitas Debit Card by

      Visa Debit Cards can be used internationally (Launching soon)
    • Can I use my debit card for Online Shopping?
      Yes, it is more convenient and safe to use Debit cards for Online transactions. All you need to do is mention your 16-digit card number, CVV and expiry date. Post which you will have to authenticate the transaction using one-time password (OTP)received over your registered mobile number.
    • Can I set transaction limits on my card?
      Yes, it is possible to set your limits subject to the minimum and maximum limits as prescribed by the Bank from time to time