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 Classic Debit Card. When will I receive this debit card?
RuPay Classic 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 customer's address.
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:
You can change your Debit Card PIN through ATM in the following ways:
Step 1: Insert your Card
Step 2: Select Language
Step 3: Select Banking Transactions
Step 4: Enter your existing PIN
Step 5: Select PIN Change
Step 6: Enter your new PIN and click on Correct. (That you would like to create)
Step 7: Re-enter your New PIN and click on Correct.
Step 8: A Message is Displayed “Your PIN has been changed successfully”.
What should I do if my Debit Card is not working?
You can call our Customer Care (1800-123-9878), (1800-180-6878) 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), (1800-180-6878) 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) ,(1800-180-6878) 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),(1800-180-6878) 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),(1800-180-6878) 24×7 (Except National Holidays) and enquire the status.
What is the procedure to replace a damaged Debit Card?
Call our Customer Care (1800-123-9878),(1800-180-6878) 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), (1800-180-6878) 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 should 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.
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 reverse the amount of failed Domestic ATM transaction?
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.
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.
