Debit card annual fee/charges

Your digibank by DBS Debit Card has an annual fee of ₹150+18% GST, applicable from the second year of opening your digiSavings account. A nominal amount of ₹150+₹27 (GST) would be charged once a year. The first debit of the annual charges will be processed starting July 2020. Please note that you may be also charged for subsequent reissuances of your physical debit card. An email was sent by us from the email id - digiconnect@dbs.com, in the month of June 2020 notifying our customers of the charges.


The annual debit card charges will be ₹150+18% GST (₹27). Hence ₹177 will be debited from your digiSavings account.


The nominal amount of ₹150+GST is an annual debit card charge, applicable from the second year of your digiSavings account opening. We will not be increasing this amount anytime this year and will keep you informed if there are any changes in the future.

The annual debit card charges of ₹150+GST are only charged from the second year of digiSavings account opening. We had not charged the annual fees before this year, even though the same is included in our Rates and Fees, as a service gesture towards our customers.

We regret that there are no waivers applicable on the annual debit card charges.


We will only deduct annual charges for the debit card presently being used by you. Kindly note that you may be also charged separately for any future debit card reissuances, if you have not exceeded the limit of 4 replacement debit cards for that year.

The debit card annual fees will be charged for all active debit cards, even if you are not using the same. However, you will be charged the debit card annual fees and reissuance charges separately, whenever you submit the request for the reissuance, provided you have not exceeded the limit of 4 replacement debit cards for that year.

Your digibank by DBS Debit Card offers benefits like unlimited withdrawals at 2,00,000 ATMs across India, shopping at over 1,00,000 online merchants and most importantly, an active debit card will come handy should you ever need to reset your password while accessing your account on the digibank app.

digibank Debit Card can be used at 2 million ATMs worldwide and you can also shop at any physical store around the world, after you activate it for international usage. The card can be used on some international websites and we are always enhancing our features. You get all these benefits at a nominal annual charge of ₹177 (₹150+GST).

If you would like to explore other account options, please visit our website for more details. Please do let us know what extra features you would like with your digibank Debit Card. You can write to us at support@dbs.com.

If you would like to share your feedback regarding the annual debit card charges being levied, please write to us support@dbs.com.
 

Features

Only minimal account and information is stored on a Visa Tap to Pay card, which is no more than traditional magnetic stripe cards or contact chip cards. Our Visa Tap to Pay cards do not transmit the cardholder name or other personal details such as address or contact details, hence such information cannot be accessed by unauthorised methods.

Your virtual debit card, which comes with digibank e-wallet, can be used for online and electronic transactions in India, within specified limits.

Your physical debit card, which comes with digiSavings, can be used anywhere regular debit cards can be used, including online and point of sale transactions, as well as overseas. You also get free unlimited cash withdrawals at nearly 2,00,000 ATMs across India.

Both debit cards are subject to usage limits.


Check out our deals page for the latest offers. Our rewards, deals, and offers are changing all the time. It simply wouldn't be possible to list them all here!

 

Tap to Pay Queries

Visa Tap to Pay is a new contactless method of payment - the latest evolution in Visa payments. It is a simple, secure and quick payment method. The technology enables cardholders to 'Tap' their card on a contactless Point-of-Sale (PoS) terminal to make transactions up to INR 2,000, rather than 'swiping' or 'dipping' their card into PoS terminals.


Visa Contactless cards have a tiny antenna embedded into the chip which securely transmits payment instructions to and from a specially adapted card terminal. These cards feature a distinctive contactless mark .


When shown on a card, the EMVCo Contactless Indicator* means the card has the capability to make contactless payments.

When shown at a merchant, the Contactless Indicator means a merchant accepts contactless payments.

The EMVCo Contactless Symbol is where you tap your contactless card or payment-enabled device on the checkout terminal to make a contactless payment.

We're always looking for ways to make it easier for you. Introducing Visa Tap to Pay enabled digibank debit cards will let you make quick and easy transactions. And we want you to have access to the latest features and benefits. Visa Tap to Pay enabled debit cards will be issued when:

  • You request for a debit card for the first time on the digibank app
  • You ask for a replacement card
  • You renew your digibank debit card

You can make Tap to Pay transactions by holding your card within 2.5-5 cm of the Contactless Symbol on the terminal. You can then remove your card and the transaction will be complete. You can choose to have a receipt. It's optional.


You should hold your card or device to the terminal for 1-2 seconds. You'll be done before you can say ta-da.


You can tap to pay where you see the Contactless Symbol at checkout. Millions of merchants around the world accept contactless payments, including fast food restaurants, greengrocers, chemists, and more.


A Visa Tap to Pay enabled card is a quicker and more convenient way to pay.

  • It saves time on both sides of the counter, due to shorter transaction times and shorter queue times
  • It's more convenient, as there is no need to worry about carrying around pockets of cash
  • The card doesn't leave your hand at the checkout when making a contactless purchase
  • There is no need to sign for transactions or enter a PIN for purchases to up INR 2,000

You can still use your VISA Tap to Pay enabled card at ATM's and make PoS transactions by entering your PIN or signing for your transactions. The Tap to Pay transaction limit is up to INR 2,000 per transaction, however you can still use your Tap to Pay card for any transaction over INR 2,000 by 'swiping' or 'dipping' the card using PIN or signature.


As per RBI guidelines, for transactions up to INR 2,000 made on a Tap to Pay enabled terminal, you do not need to enter the PIN, you simply wave the card at the reader. The transaction limit on your Visa Debit Card is INR 100000 which includes Tap to Pay transaction upto Rs. 2000 and transactions that are not Tap to Pay enabled i.e. Pos transactions. For cash withdrawals at ATM, the limit is INR 25,000.


All new and renewal cards will be automatically issued shall be VISA Tap to Pay enabled debit cards. However, you have the option to not use the Tap to Pay functionality. You can still choose to 'swipe or dip' your card using a PIN or signature even if a Tap to Pay contactless terminal is available.


There are many benefits associated with using Tap to Pay card in terms of ease of payment and its convenience. You can still choose to use your card in the way you are most comfortable with – whether by Tap to Pay, PIN or signature. You can be rest assured that with all transactions made using your Tap to Pay card are completely secure. If you suspect any unauthorised charges on your card, please call us immediately.


Yes, you can use your Tap to Pay card wherever the contactless symbol is displayed in India or overseas. The Visa Tap to Pay enabled card can be used for traditional transactions at millions of locations worldwide wherever the Visa logo is displayed, including over the internet. Remember to enable international transactions on your debit card through your digibank app if you wish to use it overseas!


Yes, you can still use your Tap to Pay card, as the card's chip and magnetic stripe also allows the card to be used in the same way a traditional Visa card is used, by using a signature or PIN.


Tap to Pay is the name of this technology for Visa cards, whereas PayPass is for MasterCard.


Yes, you can use Tap to Pay cards on PayPass terminals.


No, Visa Tap to Pay terminals are designed to only make one transaction per card at a time. All Visa Tap to Pay terminals are tested and certified to confirm that a card is only read once, before the transaction is concluded. As a safeguard, each transaction must be complete or void before another one can take place.


The transaction is confirmed by illumination of four green indicator lights and a display message confirming that the transaction has been successful.


Yes. Your contactless card or payment-enabled device is safe for a number of reasons:

  • Just like with a chip card, each transaction is accompanied by a one-time code that securely protects your payment information.
  • You can’t pay accidentally - your card or device must be within 2.5-5 cm of the terminal for the transaction to occur (and you won’t be billed twice, even if you accidentally tap twice).

Visa Tap to Pay enabled cards are just as secure as your current Visa debit card and carry the same multiple layers of security protection, which ensures members are not responsible for fraudulent or unauthorised transactions. The card never leaves your hands when making transactions, which reduces the risk of fraud.


No, but if you would like to get cash out, you can withdraw cash using your digibank debit card absolutely free at all DBS ATMs across India.


Yes, you can request a Visa debit Tap to Pay card prior to the expiry of your existing card through your digibank app. You will receive your brand new Visa Tap to Pay enabled debit card at the address provided by you through the app. What's more – you need not wait for the PIN to arrive. You can activate your debit card and set your PIN on your digibank app itself!

 

Cashback Related

We are offering cash back on qualifying transactions done on your digibank debit card. Find more details for our cashback program: https://www.dbs.com/digibank/in/deals-and-offers.page


Cashback will be reflected in your transaction history. It would have the word "cashback" in the transaction description.


Yes there is a cap on cashback, please find below details for our cashback program: https://www.dbs.com/digibank/in/deals-and-offers.page