RuPay Classic International Contactless Debit Card

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.

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.

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/-].

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 to 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 to your registered mobile number
Step 8: A confirmation receipt appears 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 on [1800-123-9878] 24×7 to place your request or visit your nearest branch to register the complaint.

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 Small Finance Bank Debit Card is 5 years from the date of issue.

Debit Card will be dispatched within 3-4 working days from the date of Account Opening.

Debit Card will be received within 7-15 working days at registered Customer's address.

Yes, the Physical Pin will be delivered to you separately at your registered mailing address on request.

Debit Card PIN can be changed 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 ATM 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 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 to your registered Mobile Number

Step 11: A confirmation receipt appears on your screen for successfully changing the 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 to your registered mobile number

Step 8: A confirmation receipt appears on your screen for successfully generating the 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 or visit your nearest branch to register the complaint.

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 to your registered mobile number

Step 10: A confirmation receipt appears on your screen for successfully generating the 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 to your registered mobile number

Step 7: A confirmation receipt appears on your screen for successfully generating the 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 to your registered Mobile Number

Step 10: A confirmation receipt appears on your screen for successfully generating the 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 to your registered mobile number

Step 7: A confirmation receipt appears on your screen for successfully generating the Debit Card PIN.

Customer Care:

You can call our Customer Care on [1800-123-9878] 24×7 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 should immediately call our Customer Care [1800-123-9878] 24×7 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 and enquire the status.

Call our Customer Care [1800-123-9878] 24×7 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.

No, there are no charges for transactions through our ATMs.

Charges applicable on other Bank's ATM: 5 Free [Financial + Non-Financial]successful    Transactions for Standard Saving Accounts and 15 Free [Financial + Non-Financial] successful Transactions for Premium Saving Account & Corporate Salary Premium Account.

Bank may send SMS alerts for all financial transactions.

Yes, RuPay Classic International Contactless Debit Card can be used for both Domestic and International transactions.

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 recommend that for all service related disputes, the Debit Card holder 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 Small Finance Bank branch.