What is Utkarsh Bank Debit Card?
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.
How does a Debit Card work?
A Debit Card automatically withdraws funds from an attached Bank account. When
you pay with a Debit Card, the money is immediately deducted from your
checking account.
What is a Chip card?
Debit Card now comes with Chip & Pin facility which has microchip embedded
in it and is highly secured. The chip is difficult to tamper with and
therefore provides enhanced security to your transactions.
What are the benefits of Chip based Debit Card?
The chip is embedded on the card and contains all information in an encrypted
format. It also comes with a personal identification number (PIN) hence making
it more safe.
How can I apply for an Utkarsh Bank Debit Card?
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:
Step 1: Login to Utkarsh Bank website www.utkarsh.bank
Step 2: Click on Ways to Bank
Step 3: Select Internet Banking
Step 4: Login to Utkarsh Internet Banking with User Id and password provided
by the Bank
Step 5: Click on Cards Tab Step 6: Select Apply for New Debit Card
Step 7: Select Account Number
Step 8: Enter the name to be embossed on the Card Step 9: Select Delivery
Option
Step 10: Enter OTP sent on your registered Mobile Number
Step 11: A confirmation Receipt appears on your Screen for successful Debit
Card Request.
Utkarsh Mobile App:
Step 1: Login to Utkarsh Mobile App either through mPIN or User Id &
Password provided by the Bank.
Step 2: Click on Cards Section
Step 3: Select Apply for New Debit Card
Step 4: Enter Account Number
Step 5: Enter the name to be embossed on the Card
Step 6: Select Delivery Option
Step 7: Enter OTP sent on your registered Mobile Number
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.
What is a CVV number?
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.
What is the validity of Utkarsh Bank Debit Card?
The validity of Utkarsh Bank’s Debit Card is 5 years from the date of
issue.
I have applied for an Utkarsh Bank Platinum Debit Card. When will I receive
this debit card?
You will receive the new Debit Card within 10 working days, from the date of
account opening.
Will I receive the Physical Pin?
Yes, the Physical Pin will be delivered to you separately at your registered
mailing address.
What are the ways to reset the Debit Card PIN?
Debit Card PIN can be changed using ATMs, Internet Banking and Mobile Banking.
Will I get any intimation for my Debit Card Transactions?
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.
What are the Debit Card transaction fees if I swipe my card at Petrol pumps
or Railway stations?
There are no charges for swiping your card at Petrol pumps or Railway
stations.
I have received Utkarsh Bank Debit Card with my Bank Account Kit? Is it
ready to use?
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.
I have not received my Debit Card Pin in the Kit?
Physical Pin is dispatched separately and will be delivered to you at your
registered mailing address.
How to change Debit Card PIN?
You can change your Debit Card PIN by:
Internet Banking:
Step 1: Login to Utkarsh Bank website www.utkarsh.bank
Step 2: Click on Ways to Bank
Step 3: Select Internet Banking
Step 4: Login to Utkarsh Internet Banking with User Id and password
Step 5: Click on Cards Tab
Step 6: Select Generate Debit Card PIN
Step 7: Select Card Number
Step 8: Enter New PIN
Step 9: Confirm New Pin
Step 10: Enter OTP sent on your registered Mobile Number
Step 11: A confirmation Receipt appears on your Screen for successful change
of Debit Card PIN.
Utkarsh Mobile App:
Step 1: Login to Utkarsh Mobile App either through mPIN or User Id &
Password provided by the Bank.
Step 2: Click on Cards Section
Step 3: Select Generate Debit Card PIN
Step 4: Select Card Number
Step 5: Enter New PIN
Step 6: Confirm New PIN
Step 7: Enter OTP sent on your registered Mobile Number
Step 8: A confirmation receipt on your screen for successful generation of
Debit Card PIN.
ATM:
PIN Change
What should I do if my Debit Card is not working?
You can call our Customer Care (1800-123-9878), 24×7 (Except National
Holidays) or visit your nearest branch to register the complaint.
How can I block my card?
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:
Step 1: Login to Utkarsh Bank website www.utkarsh.bank
Step 2: Click on Ways to Bank
Step 3: Select Internet Banking
Step 4: Login to Utkarsh Internet Banking with User Id and password
Step 5: Click on Cards Tab
Step 6: Select Block Card
Step 7: Select Card Number
Step 8: Select Reason for Blocking your Card
Step 9: Enter OTP sent on your registered Mobile Number
Step 10: A confirmation Receipt appears on your Screen for successful
generation of Debit Card PIN.
Utkarsh Mobile App:
Step 1: Login to Utkarsh Mobile App either through mPIN or User Id &
Password provided by the Bank.
Step 2: Click on Cards Section
Step 3: Select Block Card
Step 4: Select Card Number
Step 5: Select Reason for Blocking your Card
Step 6: Enter OTP sent on your registered Mobile Number
Step 7: A confirmation receipt on your screen for successful generation of
Debit Card PIN.
Utkarsh Bank branch:
Please visit the nearest Utkarsh Bank branch along with your valid ID proof.
I have entered wrong PIN many times and my Card is blocked? What should I
do now?
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.
What should I do if I lose my card?
You should immediately block your Debit Card through any of the following
channels: Internet Banking:
Step 1: Login to Utkarsh Bank website www.utkarsh.bank
Step 2: Click on Ways to Bank
Step 3: Select Internet Banking
Step 4: Login to Utkarsh Internet Banking with User Id and password
Step 5: Click on Cards Tab
Step 6: Select Block Card
Step 7: Select Card Number
Step 8: Select Reason for Blocking your Card
Step 9: Enter OTP sent on your registered Mobile Number
Step 10: A confirmation Receipt appears on your Screen for successful
generation of Debit Card PIN.
Utkarsh Mobile App:
Step 1: Login to Utkarsh Mobile App either through mPIN or User Id &
Password provided by the Bank.
Step 2: Click on Cards Section
Step 3: Select Block Card
Step 4: Select Card Number
Step 5: Select Reason for Blocking your Card
Step 6: Enter OTP sent on your registered Mobile Number
Step 7: A confirmation receipt on your screen for successful generation of
Debit Card PIN.
Customer Care:
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:
Visit the nearest Utkarsh Bank branch along with valid ID proof.
I do not remember my Utkarsh Bank Debit Card PIN. How can I generate
it?
You can generate your Debit Card PIN through:
Internet Banking:
Step 1: Login to Utkarsh Bank website www.utkarsh.bank
Step 2: Click on Ways to Bank
Step 3: Select Internet Banking
Step 4: Login to Utkarsh Internet Banking with User Id and password
Step 5: Click on Cards Tab
Step 6: Select Generate Debit Card PIN
Step 7: Select Card Number
Step 8: Enter New PIN
Step 9: Confirm New PIN
Step 8: Enter OTP sent on your registered Mobile Number
Step 9: A confirmation Receipt appears on your Screen for successful
generation of Debit Card PIN.
Mobile Banking:
Step 1: Login to Utkarsh Mobile App either through mPIN or User Id &
Password provided by the Bank.
Step 2: Click on Cards Section
Step 3: Select Generate Debit Card PIN
Step 4: Select Card Number
Step 5: Enter New PIN
Step 6: Confirm New PIN
Step 7: Enter OTP sent on your registered Mobile Number
Step 8: A confirmation receipt on your screen for successful generation of
Debit Card PIN.
Branch:
By visiting nearest Utkarsh Bank branch
I had ordered a new Debit Card through customer care/Branch, there was no
PIN that was sent with the card? How do I start using my debit card?
You can use your card after receiving 4 digit code PIN which will be delivered
to you separately at your registered address.
I came across a transaction in my account using a Debit Card which was not
attempted by me? How do I report this transaction?
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.
How can I check the status of my new Debit Card which I have applied
for?
You can check the status of your Debit Card through any of the below mentioned
channels:
Internet Banking:
Step 1: Login to Utkarsh Bank website www.utkarsh.bank
Step 2: Click on Ways to Bank
Step 3: Select Internet Banking
Step 4: Login to Utkarsh Internet Banking with User Id and password
Step 5: Click on E-Service Status
Step 6: Select E-Service Request Tracker
Step 7: The details of the Request will be displayed on the Screen.
Utkarsh Mobile App:
Step 1: Login to Utkarsh Mobile App either through mPIN or User Id &
Password provided by the Bank.
Step 2: Select E- Services Section
Step 3: Select E- Service Request Tracker
Step 4: The details of the Request will be displayed on the Screen.
Customer Care:
You can call our Customer Care (1800-123-9878) 24×7 (Except National
Holidays) and enquire the status.
What is the procedure to replace a damaged Debit Card?
We request you to 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.
What if I have forgotten my Debit Card PIN or entered an incorrect
PIN?
You will be given 3 attempts to enter the correct PIN, post which your Card
will be blocked.
What if my Utkarsh Bank Debit card is stolen?
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.
Can I change my Debit Card PIN if I forget it?
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.
My card has been blocked due to 3 successive incorrect PINs. What do I
do?
Your card will be unblocked automatically after 24 hours. You can use your
Card by entering correct PIN.
Is there any charge for transaction from our Banks ATM?
No, there are no charges for transactions through our ATMs.
What are the charges for using the Utkarsh Bank Debit Card at other bank
ATMs?
There are no charges for using Utkarsh Bank Debit Card at other Bank’s
ATM.
What are the charges for using the Utkarsh Bank Debit Card at other bank
ATMs?
There are no charges for using Utkarsh Bank Debit Card at other Bank’s
ATM.
Will I get SMS alerts for every transaction?
Bank may send SMS alerts for all financial transactions.
Will I be able to use Utkarsh Debit Card for International
transactions?
No, presently the Debit Card can be used only for domestic transactions.
Why is the customer required to fill a cardholder dispute form (CDF) to
report transaction dispute?
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.
What is the time frame to resolve Domestic ATM transaction
disputes?
The time frame to resolve Domestic ATM transaction dispute is 7 working days
from receipt of the dispute.
What is the time frame to report Debit Card transaction dispute?
Transaction dispute needs to be reported in writing within 7 days from the
transaction date.
How do I report such service/merchant related transaction dispute incurred
using my Debit Card transaction?
We strongly 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 customercare@utkarshbank.com or submit the same at your nearest Utkarsh
Bank branch.
