RuPay Select Debit Cards

Be a part of an exclusive club with the RuPay Select Debit Card. For your convenience, we have hand-picked only the top tier merchants suited to your affluent lifestyle. Get access to the most sought-after gyms and wellness centres and rejuvenate your body, mind and soul. RuPay Select Debit Card is one of our most premium offerings with offers curated especially for your opulent life.

Rewards

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Rewards

1 reward point on every 100 spends on debit card

15% discount

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15% discount

1 reward point on every 100 spends on debit card

Free

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Free

Cash withdrawal on Utkarsh Bank ATMs

  • Contactless Debit Cards

  • Safe and Secured Debit Cards with two factor authentication

  • Facility of International Usage

  • Unlimited Domestic ATM Transactions at Own/Other Bank ATMs

  • Customer Protection-Zero Liability Coverage of upto 5,00,000/-*
    *For claiming Zero liability Coverage, the cardholder should have carried out at least one purchase transaction in the last 6 months.

  • Withdrawal Limits at ATMs of 3,00,000 per day

  • Online Shopping Limit of 5,00,000/-

  • Accidental Death & Permanent Disability Coverage of upto 10,00,000/-*
    *For claiming Accidental Death & Permanent Disability Coverage Cardholder should have performed one successful financial transaction at POS/E-COM in a period of 30 days prior to the date of accident including the accident date.

Utkarsh RuPay Classic Debit Card will be issued to Premium Segment Customers.

RuPay Select brings various benefits keeping Fitness, Rejuvenation, Nutrition and personal care under the Program offered by NPCI:

Program Details
Personal Accident Insurance Personal Accident Insurance Cover (Accidental Death or Permanent Total Disability) of upto INR 10 Lacs. Cardholder needs to perform minimum one successful Rupay Card induced financial transaction at any POS/E-COM, both Intra and Inter-bank i.e. on-us or off-us within 30 days prior to date of accident including accident date of Rupay Cardholder.
Gym One complimentary 30 days Free Offline Gym membership every quarter.
Golf One Complimentary Golf Lesson/Round every quarter
Health Check-up
    One Complimentary premium health check-up packages every quarter
OTT One Complimentary 12 months Amazon Prime or Hotstar membership or 6 months Sony Liv membership every year.
Travel/Radio Cab Service One complimentary INR 100 coupon for cab service every quarter.
SPA Services One Complimentary SPA session or Salon service every quarter.
Rupay Lounge Program Customer can avail:

Domestic Lounges:
Three (3) times per calendar quarter per card at railway and domestic airport/railway or domestic airport.
International Lounges:
Three (3) times per calendar year in any of the 500+participating International Airport Lounges.
Click here https://www.rupay.co.in/lounges to view Airport Lounge List.
Click here to view Railway Lounge List.
Concierge services Personal assistance anytime, anywhere 24/7 assistance is available in Hindi, English, Marathi, Gujarati, Punjabi and 4 South Indian languages on the toll-free number-1800-26-78729
Exclusive Merchant Offers Exclusive offers from partner merchants

*Above mentioned features & offers are NPCI driven offers and are subject to change from time to time.


Process for availing Value Added Benefits:

Log into RuPay Select Portal for one time registration to view all complimentary and discounted features/offers with your RuPay Select Debit Card Details.


Path to Login:

  • Visit www.rupay.co.in
  • Go to Cards Section
  • Select Debit Cards and Select RuPay Select variant
  • Click on Login and Sign Up.

  • Login to avail amazing offers that suits your Lifestyle.
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.

Generate your Debit Card PIN by simply following the below mentioned steps through different digital channels:
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 click on check box, then click on CONTINUE
  • Step 5: Click on the security image, enter password and click on check box, 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 section
  • Step 9: Click on Set / Change Debit Card PIN
  • Step 10: Select your Debit Card Number and write the Card Expiry in MM / YY format
  • Step 11: Enter New PIN and Confirm New PIN
  • 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.
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
  • 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 write the Card Expiry in MM / YY format
  • Step 8: Enter New PIN and Confirm New PIN
  • Step 9: Click on Generate OTP and enter the OTP sent on your registered mobile number or email id
  • Step 10: Click on SUBMIT
  • Step 11: 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 12: Click on DONE. GO BACK
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.

RuPay Select Debit Card-Limits & Charges
Issuance Fee [Primary Holder] 1,000/-
Reissuance/Replacement/Renewal Charges 1,000/-
Annual Fee [for first year] Free
Annual Fee from subsequent year 1,000/-
Add-on card charges 1,000/-
ATM Withdrawal Limit Upto 3,00,000/-
Per Transaction Limits [Own Bank ATM] Upto 20,000/-
Per Transaction Limits [Other Bank ATM] Upto 10,000/- 
POS-Shopping Limit Upto 5,00,000/-per day
POS-Per Transaction Limits Upto 2,00,000/-
E-Com-Online Shopping Limit Upto 5,00,000/-
E-Com-Per Transaction Limits 3,00,000/-
PIN regeneration Nil [Green Pin]
ATM Transactions-Metro & Non-Metro [Per Month][Own Bank ATM] Unlimited Free Transactions
ATM Transactions-Metro & Non-Metro [Per Month] [Other Bank ATM] Unlimited Free Transactions
ATM Transaction Charges beyond threshold limit 21 [plus taxes as applicable]
Airport Lounge Accesse Yes
Concierge Services Yes
Zero Liability Coverage Upto 5,00,000/-
Accidental Death & Permanent Disability Coverage Upto ₹10,00,000/-
Debit Card-Transaction Charge-Non Utkarsh SFB Bank International ATMs 25/- per balance enquiry & 175 per cash withdrawal [plus taxes as applicable]
Decline charges for insufficient balance 25/- per transaction [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
Fuel Charges at Petrol Pumps NIL
Surcharge on Railway Tickets purchased with Debit Card NIL

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

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.

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.

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: 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 click on check box, then click on CONTINUE

Step 5: Click on the security image, enter password and click on check box, 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 section

Step 9: Click on Change/Upgrade Your Debit Card

Step 10: Select your Debit Card Number 

Step 11: Enter the OTP sent on your registered mobile number / email id.

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 Debit Card has been processed successfully along with reference number and Date & Time.

Step 15: Click on DONE. GO BACK

Utkarsh Mobile App:

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

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 write the Card Expiry in MM / YY format

Step 8: Enter New PIN and Confirm New PIN

Step 9: Click on Generate OTP and enter the OTP sent on your registered mobile number or email id

Step 10: Click on SUBMIT

Step 11: 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 12: Click on DONE. GO BACK

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.

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.

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

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 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: 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 click on check box, then click on CONTINUE

Step 5: Click on the security image, enter password and click on check box, 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 section

Step 9: Click on Set / Change Debit Card PIN

Step 10: Select your Debit Card Number and write the Card Expiry in MM / YY format

Step 11: Enter New PIN and Confirm New PIN

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

Utkarsh Mobile App:

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

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 write the Card Expiry in MM / YY format

Step 8: Enter New PIN and Confirm New PIN

Step 9: Click on Generate OTP and enter the OTP sent on your registered mobile number or email id

Step 10: Click on SUBMIT

Step 11: 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 12: Click on DONE. GO BACK

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.

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 can generate your Debit Card PIN through:

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 click on check box, then click on CONTINUE

Step 5: Click on the security image, enter password and click on check box, 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 section

Step 9: Click on Set / Change Debit Card PIN

Step 10: Select your Debit Card Number and write the Card Expiry in MM / YY format

Step 11: Enter New PIN and Confirm New PIN

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

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

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 write the Card Expiry in MM / YY format

Step 8: Enter New PIN and Confirm New PIN

Step 9: Click on Generate OTP and enter the OTP sent on your registered mobile number or email id

Step 10: Click on SUBMIT

Step 11: 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 12: Click on DONE. GO BACK

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 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.

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.

No, presently the Debit Card can be used only for domestic 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 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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