digibank Debit Card
Debit card annual fee/charges
What are DBS Debit Card charges? What is the frequency of these charges? When was the communication sent by the bank for these 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 - email@example.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.
I have not been charged any debit card charges before. Why am I being charged now? Can I apply for waiver of DC charges?
We regret that there are no waivers applicable on the annual debit card charges.
I have used more than one debit card, am I going to be charged for all cards? Would I also be charged extra for replacement card apart from the annual charges?
Would I still be charged if I have not used my card or have blocked my card & have not requested for a replacement card yet?
Will there be any extra features associated with my debit card or can I get an account where I am offered a free debit card?
Now that I must pay the annual charges, how can I share my feedback regarding the debit card charges being applied?
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.
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!
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