Mastercard Gold Contactless Debit Cards

An Utkarsh Bank Debit Card makes your payments much more convenient and secure through an electronic payment facility directly debiting from your Savings or Current account maintained with the Bank.

A Debit Card automatically withdraws funds from a linked Bank account. When you pay with a Debit Card, the money is immediately deducted from your linked account.

Contactless Card is a faster way to pay with your Debit Card for purchases upto 5000/- at participating stores. Instead of dipping (or swiping) your Card on the merchant terminal, simply wave or tap your Card on the Contactless enabled terminal and pay without entering a PIN (for amount under 5000/-).

Contactless transaction is secure as the Card is handled and remained to be in the custody of the customers all the time at during making payment at the shops/merchants.It is convenient to pay faster upto 5000/- without dipping or swiping the Card and without entering PIN No.

Yes, Contactless technology uses secure encryption (the same as CHIP and PIN) so you can confidently use it. The maximum transaction value for a contactless transaction is capped at 5000/- which further limits any possible loss. Furthermore, you continue to be protected through the lost Card liability cover on your Card.Ensure that loss of your Card is reported to Utkarsh Bank immediately on discovering the same.

1. Look out for Wi-Fi symbol on the machine at the shop/store/outlet
2. Tap the Card on the machine or keep it close to the terminal (for transactions upto 5000/-)
3. You will hear a beep/see a green light and get the receipt for the contactless payment you have done

Yes, you will be able to use your Mastercard Gold Contactless Debit Card, however, if the amount is above 5000/- then you will have to use it like a regular Debit Card by either dipping (or swiping) it in the machine and you will be prompt to enter the PIN.

Please let the shopkeeper know that you need a receipt. However, the receipt is not directly available in some circumstances; for example, while paying for travel by tapping your Card on an electronic ticket reader, or using a Contactless Card at a vending machine. And all contactless purchases are recorded on your statement and you will get to see them on your Utkarsh Bank internet banking account and Utkarsh Bank mobile app as well.

Contactless Cards and machines do not work beyond a distance of 4 cm. We would suggest that you remove the Card from your wallet/purse/clutch and keep it on the machine.

No, Your Card has to be tapped within 4 cm of the Card reader for more than half a second and the retailer must have first entered the amount for you to approve. Terminals can only process one payment transaction at a time, thereby reducing transaction errors.

There may be a small chance that the contactless functionality does not work straight away on your new card. Your card needs to be activated before the contactless functionality will work. If you use your card first on a transaction by inserting your Card into a machine then putting a PIN, then contactless should work after this transaction.

Yes, Utkarsh Bank Mastercard Contactless Cards provide cover upto 100% of the purchase limit as long as you report the loss of your Card to Utkarsh Bank immediately

You can choose to apply online or visit your nearest Utkarsh Bank branch. Utkarsh Bank Debit Card comes along with the Account Kit which is given to you at the time of account opening or you can apply through other below mentioned channels:

Internet Banking:

1. Step 1: Login to Utkarsh Bank website www.utkarsh.bank
2. Step 2: Click on Ways to Bank
3. Step 3: Select Internet Banking
4. Step 4: Login to Utkarsh Internet Banking with User Id and password provided by the Bank
5. Step 5: Click on Cards Tab
6. Step 6: Select Apply for New Debit Card
7. Step 7: Select Account Number
8. Step 8: Enter the name to be embossed on the Card
9. Step 9: Select Delivery Option
10. Step 10: Enter OTP sent on your registered Mobile Number
11. Step 11: A confirmation receipt appears on your Screen for successful Debit Card Request.

Utkarsh Mobile App:

1. Step 1: Login to Utkarsh Mobile App either through mPIN or User Id & Password provided by the Bank.
2. Step 2: Click on Cards Section
3. Step 3: Select Apply for New Debit Card
4. Step 4: Enter Account Number
5. Step 5: Enter the name to be embossed on the Card
6. Step 6: Select Delivery Option
7. Step 7: Enter OTP sent on your registered Mobile Number
8. Step 8: A confirmation Receipt appears on your Screen for successful Debit Card Request.

Utkarsh Bank branch:

Please visit the nearest Utkarsh Bank branch along with your valid ID proof.

The Card Verification Value (CVV) is the last three digit number printed on the signature strip on the back of your Card. It is usually required for online payment transactions.

The validity of Utkarsh Bank’s Debit Card is 5 years from the date of issue.

Mastercard Gold Contactless Debit Cards are dispatched on T+3 day basis on receipt of application, where ‘T’ refers to the date of transaction/application. Normally, the courier/post delivers the cards within 10 working days to the customers’ address.

Yes, the Physical Pin will be delivered to you separately at your registered mailing address.

Debit Card PIN can be re-set using ATMs, Internet Banking and Mobile Banking.

Yes. You will receive SMS alerts for all Debit Card transactions on your registered Mobile Number and Email ID registered with the Bank. In case you have not registered, kindly visit your nearest branch or call our customer care to update your details.

There are no charges for swiping your Card at Petrol pumps or Railway stations.

Yes, the Card is in inactive state. You need to activate your Card for the first time by using it at any of the ATMs after receiving 4 digit PIN which will be delivered to you at your registered address.

Physical PIN is dispatched separately and will be delivered to you at your registered mailing address.

You can change your Debit Card PIN by:

Internet Banking:

1. Step 1: Login to Utkarsh Bank website www.utkarsh.bank
2. Step 2: Click on Ways to Bank
3. Step 3: Select Internet Banking
4. Step 4: Login to Utkarsh Internet Banking with User Id and password
5. Step 5: Click on Cards Tab
6. Step 6: Select Generate Debit Card PIN
7. Step 7: Select Card Number
8. Step 8: Enter New PIN
9. Step 9: Confirm New Pin
10. Step 10: Enter OTP sent on your registered Mobile Number
11. Step 11: A confirmation Receipt appears on your Screen for successful change of Debit Card PIN.

Utkarsh Mobile App:

1. Step 1: Login to Utkarsh Mobile App either through mPIN or User Id & Password provided by the Bank.
2. Step 2: Click on Cards Section
3. Step 3: Select Generate Debit Card PIN
4. Step 4: Select Card Number
5. Step 5: Enter New PIN
6. Step 6: Confirm New PIN
7. Step 7: Enter OTP sent on your registered Mobile Number
8. Step 8: A confirmation receipt on your screen for successful generation of Debit Card PIN.

ATM:
You can change your Debit Card PIN through ATM in the following ways:

1. Step 1: Insert your Card
2. Step 2: Select Language
3. Step 3: Select Banking Transactions
4. Step 4: Enter your existing PIN
5. Step 5: Select PIN Change
6. Step 6: Enter your new PIN and click on Correct.(That you would like to create)
7. Step 7: Re-enter your New PIN and click on Correct.
8. Step 8: A Message is Displayed “Your PIN has been changed successfully”.

You can call our Customer Care (1800-123-9878) 24×7 (Except National Holidays) or visit your nearest branch to register the complaint.

Please call our Customer Care (1800-123-9878) 24×7 (Except National Holidays). or visit your nearest branch to register the complaint. Alternatively, you can block your Debit Card through the following channels:

Internet Banking:

1. Step 1: Login to Utkarsh Bank website www.utkarsh.bank
2. Step 2: Click on Ways to Bank
3. Step 3: Select Internet Banking
4. Step 4: Login to Utkarsh Internet Banking with User Id and password
5. Step 5: Click on Cards Tab
6. Step 6: Select Block Card
7. Step 7: Select Card Number
8. Step 8: Select Reason for Blocking your Card
9. Step 9: Enter OTP sent on your registered Mobile Number
10. Step 10: A confirmation Receipt appears on your Screen for successful generation of Debit Card PIN.

Utkarsh Mobile App:

1. Step 1: Login to Utkarsh Mobile App either through mPIN or User Id & Password provided by the Bank.
2. Step 2: Click on Cards Section
3. Step 3: Select Block Card
4. Step 4: Select Card Number
5. Step 5: Select Reason for Blocking your Card
6. Step 6: Enter OTP sent on your registered Mobile Number
7. Step 7: A confirmation receipt on your screen for successful generation of Debit Card PIN.

Utkarsh Bank branch:

1. Please visit the nearest Utkarsh Bank branch along with your valid ID proof.

For security reasons, your Debit Card will be blocked if there are 3 successive wrong PIN attempts at the ATM. However, the Card will be activated automatically after 24 Hrs.

You should immediately block your Debit Card through any of the following channels:

Internet Banking:

1. Step 1: Login to Utkarsh Bank website www.utkarsh.bank
2. Step 2: Click on Ways to Bank
3. Step 3: Select Internet Banking
4. Step 4: Login to Utkarsh Internet Banking with User Id and password
5. Step 5: Click on Cards Tab
6. Step 6: Select Block Card
7. Step 7: Select Card Number
8. Step 8: Select Reason for Blocking your Card
9. Step 9: Enter OTP sent on your registered Mobile Number
10. Step 10: A confirmation Receipt appears on your Screen for successful generation of Debit Card PIN.

Utkarsh Mobile App:

1. Step 1: Login to Utkarsh Mobile App either through mPIN or User Id & Password provided by the Bank.
2. Step 2: Click on Cards Section
3. Step 3: Select Block Card
4. Step 4: Select Card Number
5. Step 5: Select Reason for Blocking your Card
6. Step 6: Enter OTP sent on your registered Mobile Number
7. Step 7: A confirmation receipt on your screen for successful generation of Debit Card PIN.

Customer Care:

1. You can call our Customer Care on (1800-123-9878) 24×7 (Except National Holidays) to place your request or visit your nearest branch to register the complaint. 

 Utkarsh Bank branch:

1. Visit the nearest Utkarsh Bank branch along with valid ID proof.

You can generate your Debit Card PIN through:

Internet Banking:

1. Step 1: Login to Utkarsh Bank website www.utkarsh.bank
2. Step 2: Click on Ways to Bank
3. Step 3: Select Internet Banking
4. Step 4: Login to Utkarsh Internet Banking with User Id and password
5. Step 5: Click on Cards Tab
6. Step 6: Select Generate Debit Card PIN
7. Step 7: Select Card Number
8. Step 8: Enter New PIN
9. Step 9: Confirm New PIN
10. Step 8: Enter OTP sent on your registered Mobile Number
11. Step 9: A confirmation receipt appears on your Screen for successful generation of Debit Card PIN.

Mobile Banking:

1. Step 1: Login to Utkarsh Mobile App either through mPIN or User Id & Password provided by the Bank.
2. Step 2: Click on Cards Section
3. Step 3: Select Generate Debit Card PIN
4. Step 4: Select Card Number
5. Step 5: Enter New PIN
6. Step 6: Confirm New PIN
7. Step 7: Enter OTP sent on your registered Mobile Number
8. Step 8: A confirmation receipt on your screen for successful generation of Debit Card PIN.

Process to Generate Green PIN through ATM :

1. Step 1: Insert your Card
2. Step 2: Select Language
3. Step 3: Select Set New PIN
4. Step 4: Enter DOB in YYYYMMDD format and click on Correct.
5. Step 5: Select Generate OTP.
6. Step 6: Enter your OTP and click on Validate OTP.
7. Step 7: Enter your New PIN Step
8. step 8: Re-Enter your New PIN and click on Confirm.
9. Step 9: A Message is Displayed “Your ATM PIN Has Been Generated Successfully”.

Process to Generate Green PIN through Micro ATM:

1. Step 1: Select Utkarsh Bank Icon
2. Step 2: Select Card Icon
3. Step 3: Insert your Debit Card when screen displays “Insert card and wait...”
4. Step 4: Select Green PIN Icon
5. Step 5: Select Date of Birth from the calendar displayed on the screen and Click on OK
6. Step 6: Click on Generate OTP Step
7. Step 7: Enter OTP (6 digits) sent on the Customer’s registered Mobile no. and then click on Validate OTP.
8. Step 8: Enter 4 digits New PIN and click on Confirm
9. Step 9: Re-Enter customer 4 digits New PIN and click on Confirm
10. Step 10: A Confirmation message is displayed “Your PIN has been generated successfully”.

You can use your Card after receiving 4 digit code PIN which will be delivered to you separately at your registered address.

You should immediately call our Customer Care (1800-123-9878) 24×7 (Except National Holidays) to place your request or visit your nearest branch to register the complaint.

You can check the status of your Debit Card through any of the below mentioned channels:

Internet Banking:

1. Step 1: Login to Utkarsh Bank website www.utkarsh.bank
2. Step 2: Click on Ways to Bank
3. Step 3: Select Internet Banking
4. Step 4: Login to Utkarsh Internet Banking with User Id and password
5. Step 5: Click on E-Service Status
6. Step 6: Select E-Service Request Tracker
7. Step 7: The details of the Request will be displayed on the Screen.

Utkarsh Mobile App:

1. Step 1: Login to Utkarsh Mobile App either through mPIN or User Id & Password provided by the Bank.
2. Step 2: Select E- Services Section
3. Step 3: Select E- Service Request Tracker
4. Step 4: The details of the Request will be displayed on the Screen.

Customer Care:

1. You can call our Customer Care (1800-123-9878) 24×7 (Except National Holidays) and enquire the status.

Call our Customer Care (1800-123-9878) 24×7 (Except National Holidays) (where you can Hotlist your Card immediately and simultaneously request for re-issuance of a new Card. You may also submit a written instruction at the nearest branch to hotlist and re-issuance of Debit Card. Replacement/Reissuance Charges for Debit Cards will be applicable.

You will be given 3 attempts to enter the correct PIN, post which your Card will be blocked.

Loss of Card must be reported immediately to the bank or call our Customer Care (1800-123-9878) 24×7 (Except National Holidays) or visit your nearest branch to register the complaint.

Yes, you can change your PIN anytime you wish to. You can change it through any of our Utkarsh Bank ATMs or Internet Banking or Mobile Banking.

Your Card will be unblocked automatically after 24 hours.You can now use your Card with correct PIN

No, there are no charges for transactions through our ATMs.

Charges applicable on other bank’s ATM transactions beyond threshold limit of 5 free successful transactions per month (Financial+Non-Financial) is ? 21+Applicable Taxes.

Bank may send SMS alerts for all financial transactions.

Yes,the Utkarsh Contactless Debit Card can be used for International transactions.

A duly filled in Cardholder Dispute Form (CDF) mentioning all the required details of the disputed transaction(s) and the exact nature of dispute, aids the Cardholder as well as the Bank to initiate accurate investigation with the respective Merchant / Member Bank.

Banks are required to affect the Pro-active reversal of failed transaction within T+5 working days suo-moto (i.e. without waiting for customers to lodge complaints), wherein ‘T’ refers to date of transaction.

It is recommended that for all service related disputes, the Debit Cardholder must first attempt to contact the merchant to resolve the dispute which enables prompt resolution. Considering all attempts have been made to resolve dispute with the merchant, you may call our Customer Care team for raising exact nature of dispute and send relevant supporting document with respect to failed / disputed transactions with complete transaction(s) details to [email protected] or submit the same at your nearest Utkarsh Bank branch.