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.
Get
1 reward point on every
100 spends on debit cardGet
1 reward point on every
100 spends on debit cardGet
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
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 | Gen-Nex Savings Account-5,000/- per day
|
1,00,000/- per day
Per Transaction Limit | Gen-Nex Savings Account-5,000/- per day |
20,000/- [own Bank ATM]
Gen-Nex Savings Account-5,000/- per day |
10,000/- [other Bank ATM]
|
Shopping Limit [POS] |
|
Per Transaction Limit [POS] |
|
ECOM Limit |
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ECOM Per Transaction Limit |
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ATM Transactions Metro & Non-Metro[ per month] | 5 Free [Financial + Non-Financial] successful Transactions for Standard Saving Accounts. 15 Free [Financial + Non-Financial] successful Transactions for premium saving account & corporate salary premium account. |
ATM Transaction Charges beyond threshold limit | 21 + Applicable Taxes |
Airport Lounge Access | Yes |
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 | 1,00,000/-
Accidental Death & Permanent Disability Coverage | NIL |
You can generate your Debit Card PIN through ATM in the following ways:
You can generate your Green PIN through Micro ATM in the following ways:
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.
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.
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.) |
Utkarsh 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 SFB immediately on discovering the same.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 Internet Banking account and Utkarsh 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 Mastercard Contactless Cards provide cover upto 100% of the purchase limit as long as you report the loss of your Card to Utkarsh SFB immediately
You can choose to apply online or visit your nearest Utkarsh SFB branch. Utkarsh 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 Bank's website www.utkarsh.bank
Step 2: Click on Ways to Bank
Step 3: Select Internet Banking
Step 4: Login to 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 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 SFB branch:
Please visit the nearest Utkarsh SFB 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 Debit Card is 5 years from the date of issue.
Debit Card will be received within 7-10 working days at registered 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 Bank's website www.utkarsh.bank
Step 2: Click on Ways to Bank
Step 3: Select Internet Banking
Step 4: Login to 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 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 Bank's website www.utkarsh.bank
Step 2: Click on Ways to Bank
Step 3: Select Internet Banking
Step 4: Login to 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 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 SFB branch:
Please visit the nearest Utkarsh SFB 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 Bank's website www.utkarsh.bank
Step 2: Click on Ways to Bank
Step 3: Select Internet Banking
Step 4: Login to 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 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 SFB branch:
Visit the nearest Utkarsh SFB branch along with valid ID proof.
You can generate your Debit Card PIN through:
Internet Banking:
Step 1: Login to Bank's website www.utkarsh.bank
Step 2: Click on Ways to Bank
Step 3: Select Internet Banking
Step 4: Login to 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 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 SFB 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 Bank's website www.utkarsh.bank
Step 2: Click on Ways to Bank
Step 3: Select Internet Banking
Step 4: Login to 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 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 SFB 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 SFB branch.
Earn up to 7.75 %* on your Savings Account and get interest credited quarterly
Earn interest rates up to 8.50 %* p.a. and 9.10 %* p.a. for Senior Citizens
Get Loan amount upto
10 Crores with Flexible Tenure upto 15 yearsTurn your surplus funds into security, for a better tomorrow
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