Mastercard Platinum Contactless Debit Cards

Utkarsh Small Finance Bank’s Mastercard Platinum Debit Cards offers benefits, convenience, ease and security for Domestic as well as International usage. You can use the Debit Card to purchase goods at merchant establishments, making online payments and cash withdrawls in India as well as across the globe.

Rewards

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Rewards

1 reward point on every 100 spends on debit card

15% discount

Get

15% discount

1 reward point on every 100 spends on debit card

Free

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

  • Free Lounge Access at Selected Airports twice in a calendar quarter.Click here for the Lounge List.

  • Higher ATM Withdrawal & Purchase Limits

  • Customer Protection Zero Liability Coverage-Upto ₹ 1,00,000/-*
    *For claiming Zero liability Coverage the cardholder should have carried out at least one purchase transaction in the last 6 months.

*T&C Apply

Utkarsh Mastercard Platinum Contactless Debit Card is available to eligible Savings and Current account holders.
Customers can opt for Mastercard Platinum 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 (Except National Holidays). 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 Platinum Contactless Debit Cards-Limits & Charge
Annual Fees Annual Fee (Primary Holder): Free for first year,
500/- from subsequent year
Issuance Fee (Primary Holder)s 500/-
Reissuance / Replacement / Renewal Charges 500/-
Other Debit Card Charges PIN regeneration charges - NIL (Green PIN)
ATM Withdrawal Limit   1,00,000/- 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)

3,00,000/-per day
Gen-Nex Savings Account- 10,000/- per day

Per Transaction Limit (POS)

1,50,000/-
Gen-Nex Savings Account- 10,000/- 

ECOM Limit

3,00,000/-per day
Gen-Nex Savings Account- 10,000/- per day

ECOM Per Transaction Limit

2,00,000/-
Gen-Nex Savings Account- 10,000/- 

ATM Transactions Metro & Non-Metro( per month) 5 free Successful (Financial & Non-Financial)
Transactions for all the products
except Premium Savings Account,
Corporate Salary-Premium Account &
Business Premium & Business Plus Current Account.
ATM Transaction Charges beyond threshold limit 21 + Applicable Taxes
Airport Lounge Access Yes
Debit Card-Transaction Charge-Non Utkarsh Bank International 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  1,00,000/-
Accidental Death & Permanent Disability Coverage NIL
Generate your Debit Card PIN by simply following the below mentioned steps through different digital 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 Generate Debit Card PIN
  • Step 7: Enter your Card Details
  • Step 8: Enter the OTP sent on your registered Mobile Number
  • Step 9: A confirmation Receipt will appear on your Screen after successful generation of your 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 the Cards Section
  • Step 3: Select Generate Debit Card PIN
  • Step 4: Enter Card Details
  • Step 5: Enter OTP sent on your registered Mobile Number
  • Step 6: A confirmation receipt on your screen for successful generation of Debit Card PIN.
Process to Generate Green PIN through ATM

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

  • Step 1: Insert your Card
  • 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
  • Step 8: Re-Enter your New PIN and click on Confirm.
  • Step 9: A Message is Displayed "Your ATM PIN Has Been Generated Successfully".
Process to Generate Green PIN through 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 (6 digits) 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 customer 4 digits New PIN and click on Confirm
  • Step 10: A Confirmation message is displayed "Your PIN has been generated successfully".
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 (Except National Holidays)

  • 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.

Loan calculator

Amount ()

1 Lac

10 Cr

Tenure ( )

1 Month

120

Interest Rate (%)

1%

31%

line-chart-pattern-bg
Equated Monthly installments (EMI)

2,10,651

Need more Information?
Deposit Amount
Interest Earned

Interest Rate

8.00%

Interest Earned

3,50,452

Maturity Value

13,50,452

Maturity Date

20 Apr 2023

(Indicative interest rates for calculation only. click here for latest rates.)

FAQs

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 an attached Bank account. When you pay with a Debit Card, the money is immediately deducted from your checking 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 Platinum Contactless Debit Card, however, if the amount is above Rs.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. Do I get lost Card liability if I lose my Utkarsh Bank Contactless Card?

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:

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 appear 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 Generate Debit Card PIN

Step 4: Enter 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.

Utkarsh Bank branch:

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

Customer Care:

You can call our Customer Care (1800-123-9878) 24×7 (Except National Holidays) and apply for the same.

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 Platinum 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 customer's 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:

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: Enter 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: Enter 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".

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:

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: Enter 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: Enter 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.

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:

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: Enter 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: Enter 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.

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: Enter 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 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: Enter 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.

Process to Generate Green PIN through ATM :

Step 1: Insert your Card

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.

Step 6: Enter your OTP and click on Validate OTP.

Step 7: Enter your New PIN Step

step 8: Re-Enter your New PIN and click on Confirm.

Step 9: A Message is Displayed "Your ATM PIN Has Been Generated Successfully".

Process to Generate Green PIN through Micro ATM:

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

Step 7: Enter OTP (6 digits) 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 customer 4 digits New PIN and click on Confirm.

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:

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.

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 transaction.

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.

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 [email protected] or submit the same at your nearest Utkarsh Bank branch.

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