Mastercard Gold Contactless Debit Cards
Utkarsh Small Finance Bank offers you internationally accepted Contactless Debit Card in association with MasterCard. Get privileges and benefits such as cashless shopping through POS terminals and online payment in India and abroad.
Get
Rewards
1 reward point on every 100 spends on debit card
Get
15% discount
1 reward point on every 100 spends on debit card
Get
Free
Cash withdrawal on Utkarsh Bank ATMs
Convenience of Contactless Payments through NFC enabled Cards
Domestic & International Acceptance (International/Global usage can be activated through net banking / mobile banking or by visiting the base branch)
Welcome Aboard offers for first time Users
Higher ATM Withdrawal & Purchase Limits
Enhanced Shopping Limits across the Globe
Customer Protection Zero Liability Coverage-Upto ₹ 50,000/-* *For claiming Zero liability Coverage the cardholder should have carried out at least one purchase transaction in the last 6 months.
Utkarsh Mastercard Gold Contactless Debit Card is available to eligible Savings and Current account holders.
Customers can opt for Mastercard Gold Contactless Debit Card on their active Savings/Current accounts. Customers can visit their nearest Utkarsh Small Finance Bank branch or may call our Customer Care (1800-123-9878) 24×7. Customers can also place their request through Internet/Mobile Banking.
Customers need to provide the following documents to apply for a Debit Card:
-
Residential address proof
-
Date of birth proof
-
Proof of Age
-
Two passport size photograph (latest)
Aadhaar Card, PAN Card, Passport, Driving Licence,NREGA Card, Voter ID Card will be considered as proof of above.
| Mastercard Gold-Limits & Charges | |
| Annual Fees | Annual Fee [Primary Holder]: Free for first year, 250/- from subsequent year |
| Issuance Fee [Primary Holder]s | 250/- |
| Reissuance / Replacement / Renewal Charges | 250/- |
| Other Debit Card Charges | PIN regeneration charges - NIL [Green PIN] |
| ATM Withdrawal Limit | 40,000/- per day
Gen-Nex Savings Account-5,000/- per day
|
| Per Transaction Limit | 20,000/- [own Bank ATM]
Gen-Nex Savings Account-5,000/- per day |
| 10,000/- [other Bank ATM]
Gen-Nex Savings Account-5,000/- per day |
|
| Shopping Limit [POS] |
2,00,000/-per day |
| Per Transaction Limit [POS] |
1,00,000/- |
| ECOM Limit |
2,00,000/-per day |
| ECOM Per Transaction Limit |
1,50,000/- |
| ATM Transactions Metro & Non-Metro[ per month] | 5 Free [Financial + Non-Financial] Successful Transactions for Non-Premium Segment Customers |
| ATM Transaction Charges beyond threshold limit | 21 + Applicable Taxes |
| Airport Lounge Access | No |
| Debit Card- International Transaction Charge-Non Utkarsh SFB ATMs | Balance enquiry- 25/- per attempt [plus taxes as applicable] |
| Cash withdrawal - 175/- per withdrawal [plus taxes as applicable] | |
| Decline charges for insufficient balance | 25/- per incidence [plus taxes as applicable] |
| Cross Currency Mark-up on International Debit Card Transactions | 3.5%+applicable taxes on foreign currency transaction carried out on Debit Cards.The exchange rate used will be the Mastercard wholesale exchange rate prevailing at the time of transaction/merchant settlement. |
| Fuel Surcharge at PetrolPumps | NIL |
| Surcharge on Railway Tickets purchased with Debit Card | NIL |
| Zero Liability Coverage | Upto 50,000/- |
| Accidental Death & Permanent Disability Coverage | NIL |
Generate your Debit Card PIN by simply following the below mentioned steps through different digital channels and your Card will be ready to use:
Internet Banking
- Step 1: Go to https://www.utkarsh.bank/
- Step 2: Click on login tab, then select Personal Banking
- Step 3: Click on “Continue to Login”
- Step 4: Enter username and password and click on check box, then click on CONTINUE
- Step 5: Click on the security image, then click on SIGN IN
- Step 6: Enter OTP sent on your registered mobile number or email id and then click on SUBMIT
- Step 7: Click on the three horizontal lines reflecting on the left-hand side of the screen
- Step 8: Click on Cards and then select Debit Cards
- Step 9: Click on Set / Change Debit Card PIN
- Step 10: Select your Debit Card Number and enter Card Expiry Date in MM / YY format and Enter New PIN and Confirm New PIN and click on Generate OTP
- Step 11:Enter the OTP sent on your registered mobile number / email id and click on SUBMIT.
- Step 12: Click on Generate OTP and enter the OTP sent on your registered mobile number / email id.
- Step 13: Click on SUBMIT
- Step 14: A Confirmation message will be displayed stating- It’s done! Your request for Changing Card PIN has been processed successfully along with reference number and Date & Time.
- Step 15: Click on DONE. GO BACK
- Step 16: Your Debit Card is Active and ready to be used
- Note: Customers can also manage their Debit Cards by using Manage Debit Cards Services such as Switch On/Off, Modify Transaction Limits for ATM/POS/E-Com/Contactless Channels for Domestic & International transactions.
- Note: You will be eligible for Personal Accidental and Zero Liability coverage once your Debit Card is activated.
Mobile Banking
- Step 1: Open Utkarsh Mobile Banking App
- Step 2: Enter your login credentials (User Id & Password or MPIN) and click on continue
- Step 3: Click on More option reflecting at the right bottom of the screen
- Step 4: Click on Cards and select Debit Cards
- Step 5: Click on the three horizontal lines reflecting on the right-hand side of the screen
- Step 6: Click on Set / Change Debit Card PIN
- Step 7: Select Debit Card Number from the drop-down menu and enter the Card Expiry Date in MM / YY format and Enter New PIN and Confirm New PIN and click on Generate OTP.
- Step 8: Enter OTP sent on your registered mobile number or email id and click on Submit.
- Step 9: Click on SUBMIT
- Step 10: A Confirmation message will be displayed stating- It’s done! Your request for Changing Card PIN has been processed successfully along with reference number and Date & Time.
- Step 11: Click on DONE. GO BACK
- Step 12: Your Debit Card is Active and ready to be used.
- Note: Customers can also manage their Debit Cards by using Manage Debit Cards Services such as Switch On/Off, Modify Transaction Limits for ATM/POS/E-Com/Contactless Channels for Domestic & International transactions.
- Note: You will be eligible for Personal Accidental and Zero Liability coverage once your Debit Card is activated.
ATM
You can generate your Debit Card PIN through ATM in the following ways:
- Step 1: Insert Debit Card in ATM Machine
- Step 2: Select Language
- Step 3: Select Set New PIN
- Step 4: Enter DOB in YYYYMMDD format and click on Correct.
- Step 5: Select Generate OTP. (OTP will be sent on your Registered Mobile Number)
- Step 6: Enter your OTP and click on Validate OTP.
- Step 7:Enter your New PIN and click on proceed
- Step 8: Re-Enter your New PIN and click on Confirm.
- Step 9: A Message is Displayed "Your ATM PIN Has Been Generated Successfully".
- Step 10: Your Debit Card is Active and ready to be used
- Note: Customers can also manage their Debit Cards by using Manage Debit Cards Services such as Switch On/Off, Modify Transaction Limits for ATM/POS/E-Com/Contactless Channels for Domestic & International transactions
- Note: You will be eligible for Personal Accidental and Zero Liability coverage once your Debit Card is activated.
Micro ATM
You can generate your Green PIN through Micro ATM in the following ways:
- Step 1: Select Utkarsh Bank Icon
- Step 2: Select Card Icon
- Step 3: Insert your Debit Card when screen displays "Insert card and wait..."
- Step 4: Select Green PIN Icon
- Step 5: Select Date of Birth from the calendar displayed on the screen and click on OK
- Step 6: Click on Generate OTP
- Step 7: Enter OTP sent on the Customer's registered Mobile no. and then click on Validate OTP.
- Step 8: Enter 4 digits New PIN and click on Confirm
- Step 9: Re-Enter your New PIN and click on Confirm
- Step 10: A Confirmation message is displayed "Your PIN Has Been Generated Successfully".
- Step 11: Your Debit Card is Active and ready to be used.
- Note: Customers can also manage their Debit Cards by using Manage Debit Cards Services such as Switch On/Off, Modify Transaction Limits for ATM/POS/E-Com/Contactless Channels for Domestic & International transactions.
- Note: You will be eligible for Personal Accidental and Zero Liability coverage once your Debit Card is activated.
Do's
Always keep your Password secret! Never write your Password on your card or store it with your card. Memorize your Password.
Review your account statements frequently, for fraudulent transactions.
Report lost or stolen Debit Cards immediately. To report your Card as lost or stolen please call, (1800-123-9878) 24×7
At point of sale locations, or stores, ask that your debit card transactions be processed as credit transactions. These transactions require your signature vs. your PIN. The less you use your PIN in public less the chance someone will obtain it.
Take all receipts from ATMs. Keep them for verification against your monthly statement.
Block the view of keypads when using ATMs.
Keep your cards in a safe place.
Cancel all inactive Debit Cards.
Look for fraudulent devices attached to ATMs or gas pump card readers. If the machine appears to have any attachments or alterations do not use it and report the problem to the appropriate financial institution or vendor.
Don'ts
Do not give any Debit Card information over the phone or Internet.This includes your 16-digit card number and your PIN. No one needs to know your PIN, not even your financial institution.
Do not allow anyone else to use your Card or enter your PIN for you.
Do not use poorly lit ATM locations.
