DBS Bank Debit Card

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 ₹2,000, rather than ‘swiping’ or ‘dipping’ their card into PoS terminals.

At DBS Bank, we’re always looking for ways to make life easier for you. Introducing Visa Tap to Pay-enabled DBS Bank debit cards will allow you to make quick and easy transactions. 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 a debit card for the first time on the digibank app.
• You ask for a replacement card.
• You renew your DBS Bank debit card.

You can make Tap to Pay transactions by holding your card within 5 cm of the secure contactless reader. You can then remove your card, and the transaction will be complete. You can also choose to receive a receipt. It’s optional.

To enable the debit card for use, a Personal Identification Number (PIN) needs to be generated. There are multiple ways to generate a PIN:

Steps to generate PIN via digibank app/mobile banking:

1. Go to the cards tab under the “Accounts” section > “Debit Card” tab.
2. Select the debit card you wish to activate and click on the generate PIN option.
3. Set the PIN of your choice and confirm it. Authorise the PIN set transaction using the digibank app.

Steps to activate card via net banking:

1. Log in to your internet banking at www.dbsbank.in/login.
2. Go to the cards tab under the “Have” section.
3. Select the debit card you wish to activate and click on the generate PIN option.
4. Set a PIN of your choice and then authorise yourself using an OTP.

OR Call the Bank’s Customer Care number at 18602103456/+91 44 4902 1180 from your registered mobile number for further assistance.

The debit card is delivered within 7 working days post issuance. In case of non-receipt of the debit card, the customer can either contact their Relationship Manager/Branch or seek support via Customer Care.

Throughout the delivery process, you will receive SMS updates along with a tracking number.

You can track the delivery status of your debit card on the courier's website using the tracking number sent via SMS within 2 working days of requesting the card. It usually takes up to 7 days for the debit card to reach you. Our courier will make three attempts to deliver your card before returning it to us. If courier services are not available in your area, your card will be delivered to you in 12 working days through other courier services like Speed Post. Please note, the debit card will be delivered only to the account holder or to the blood relative of the customer after checking the valid ID proof.

For any assistance, you can contact your relationship manager or connect with our Customer Care at 1800-209-4555/+91-44-6685-4555.

Yes, your debit card is equipped to process online transactions. Please note that, as per RBI guidelines, online transactions are disabled by default when the card is issued. It should be first activated from the digibank app before using it for any online payments or e-commerce payments.

Customers can easily enable e-commerce payments using the DBS Bank digibank app.

Under Accounts -> Cards -> Card Settings, turn on e-commerce/Online Transactions Usage (for Domestic, International) and set the desired limit.

For more details, reach out to us on our customer care number at 18602103456/+91 44 4902 1180.

The bank offers multiple ways to reset the debit card PIN.

Mobile/digibank app: The reset PIN option is available under the "Accounts" section of the DBS Bank digibank app. Click on the debit cards tab, choose the debit card for which you would like to reset the PIN and click on Change PIN. Now, enter your new PIN.
Internet Banking: The reset PIN option is available under the "Accounts" section of the DBS Bank internet banking app. Click on the debit cards tab, choose the debit card for which you would like to reset the PIN and click on Change PIN. Now, enter your new PIN.
ATM: You can reset the PIN for the card through any of our DBS ATMs via OTP sent to your registered mobile number and activate the card to continue to avail the debit card services.

In the event that your debit card is lost, you can block it permanently using the Mobile Banking/digibank app or by contacting customer support at 18602103456/+91 44 4902 1180. Further, you can also place a request for re-issuance of a new debit card at the time of blocking or later.

The debit card PIN can be generated through mobile banking/digibank app, internet banking or ATM.

Mobile/digibank app: The generate PIN option is available under the "Accounts" section of the DBS Bank Mobile banking/digibank app. Click on the debit cards tab, choose the debit card for which you would like to reset the PIN and click on Change PIN. Now, enter your new PIN.
Internet Banking: The generate PIN option is available under the "Accounts" section of the DBS Bank internet banking app. Click on the debit cards tab, choose the debit card for which you would like to reset the PIN and click on Change PIN. Now, enter your new PIN.
ATM: You can set the PIN for the card through any of our DBS ATMs via OTP sent to your registered mobile number and activate the card to continue to avail the debit card services.

The debit card is issued as per the account variant opted by you. Currently, only bank-initiated card upgrades are allowed, which are based on the net relationship value under program banking.

Yes, you can perform international transactions using DBS Bank debit cards. However, when the debit cards are issued, the international transaction feature is disabled by default as per the RBI mandate. Customers can easily turn it on using the DBS Bank mobile banking/digibank app.

Under Accounts -> Cards -> Card Settings, turn on International Usage (for Online, Offline, Contactless or ATM Withdrawal) and set the desired limit.

Yes, your debit card is equipped to process offline transactions at merchant outlets. Please note you would need a PIN to carry out such transactions.

Below are the ways to generate a PIN:

• Mobile/digibank app: The generate PIN option is available under the "Accounts" section of the DBS Bank Mobile banking/digibank app. Click on the debit cards tab, choose the debit card for which you would like to reset the PIN and click on Change PIN. Now, enter your new PIN.
• Internet Banking: The generate PIN option is available under the "Accounts" section of the DBS Bank internet banking app. Click on the debit cards tab, choose the debit card for which you would like to reset the PIN and click on Change PIN. Now, enter your new PIN.
• ATM: You can set the PIN for the card through any of our DBS ATMs via OTP sent to your registered mobile number and activate the card to continue to avail the debit card services.

In case you have forgotten the PIN, please follow the steps below to reset it:

• Mobile/digibank app: The reset PIN option is available under the "Accounts" section of the DBS Bank Mobile banking/digibank app. Click on the debit cards tab, choose the debit card for which you would like to reset the PIN and click on Change PIN. Now, enter your new PIN.
• Internet Banking: The reset PIN option is available under the “Accounts” section of the DBS Bank internet banking app. Click on the debit cards tab, choose the debit card for which you would like to reset the PIN and click on Change PIN. Now, enter your new PIN.
• ATM: You can reset the PIN for the card through any of our DBS ATMs via OTP sent to your registered mobile number and activate the card to continue to avail the debit card services.

You can modify your limits through the DBS Bank mobile/digibank app. On the digibank app, navigate through the Accounts, click on debit cards, select the card for which you wish to modify the limit, and use the manage option. You can also reach out to our branches to place a request for modifying or changing the limit.

Debit cards are issued based on the account variant you hold with the Bank. The details of the charges can be viewed here.

Permissible international transactions on the ATM, POS,, and e-commerce do invite charges, and the relevant rates and fees are mentioned here.

Go to the "Debit Cards" tab under the "Accounts" section of the DBS Bank mobile banking/digibank app. Choose the debit card you wish to block. Select the Permanently Block/Unblock option.

You can also permanently block or unblock your card by contacting your nearest bank branch or by calling customer care at 18602103456/+91 44 4902 1180. Alternatively, you can send an SMS HOTLIST to 7065154444.

Follow these simple steps to block your card: Menu > My Account > Debit Card > Block this Card.

In case of a lost mobile/card or both, please contact our emergency hotline immediately at (within India): 1860 210 3456 or 1860 267 1234.

For international calls: +91 44 6685 4555 and notify us so we can help to block your debit card.

You can also hotlist your card by sending an SMS through your registered number: SMS HOTLIST to 7065154444, and your card will be permanently blocked immediately.

You can request a replacement card from the app once you get your new phone.

Go to the "Debit Cards" tab under the "Accounts" section of the DBS Bank mobile banking/digibank app. Choose the debit card you wish to block/unblock. Select the Temporary Block/Unblock option.

You can also temporarily block or unblock your card by contacting your nearest bank branch or by calling customer care at 18602103456/+91 44 4902 1180. Alternatively, you can also send an SMS HOTLIST to 7065154444.

You should immediately put a permanent block on your debit card if it gets stolen. To block your card, go to the "Debit Cards" tab under the "Accounts" section of the DBS Bank mobile banking/digibank app. Choose the debit card you wish to block. Select the Permanently Block/Unblock option.

You can also permanently block or unblock your card by contacting your nearest bank branch or by calling customer care at 18602103456/+91 44 4902 1180. Alternatively, you can send an SMS HOTLIST to 7065154444.

You can place a request for reissue of the debit card from your DBS Bank mobile banking/digibank app.

Yes, you can perform contactless transactions using DBS Bank debit cards. However, when the debit cards are issued, the contactless feature is disabled by default as per the RBI mandate. Customers can easily enable contactless transactions using the DBS Bank mobile banking/digibank app.

Under Accounts -> Select Debit Cards and turn on the Contactless Transactions (Tap and Pay) option.

You can get a host of exciting offers on your DBS Bank debit cards across categories such as Grocery, Utilities, Travel, Food and Dining, Health and Wellness, Shopping, and Education. To know more about the offers associated with your debit card variant, visit: DBS Offers.

Since debit cards have already become so popular as a medium of transaction in recent times, you do not have to apply for them separately. Usually, whenever you open a savings account with DBS Bank, a debit card is offered or issued alongside. Thus, you are saved from the trouble of applying for a debit card separately.

However, you can always apply for a debit card by submitting an application at your nearest DBS Bank branch. You will be issued a debit card within 7 days of your application.

You can apply for a DBS Bank debit card online with these five simple steps, as follows:

• You can visit DBS Bank’s Internet banking or digibank app and apply for a debit card in the "Accounts" section of the DBS Bank digibank app, click on the debit cards tab, and choose the debit card you wish to apply for.
• Within debit cards as well, you can choose which category you wish to apply for. This decision has to be made depending upon the benefits and requirements that you are seeking through the use of debit cards.
• After submitting your details and the necessary documents, most of which the bank already has and are only needed for updates or verification, you will need to wait 7 days to receive your card.
• Along with the card, you will also receive a set of confidential information, like Personal Identification Number (PIN), or the Green PIN can be generated through DBS Bank ATM.
• This PIN is to be used for all transaction and payment purposes. Once you have the card and the PIN, you can transact using your card anytime you want.

Looking to get your own DBS Bank debit card? New customers can get a new debit card through opening a new Savings Account while experiencing hassle-free banking with DBS Bank. Existing DBS Bank customers can get their debit card reissued or replaced within stipulated timelines through Internet Banking or Digibank app or apply for a debit card by submitting an application at your nearest DBS Bank branch. You will be issued with a debit card within 7 days of your application.

Yes, your debit card is insured. For further details, please refer to our Terms and Conditions on debit cards.

You can generate a debit card PIN at the ATM via the following steps:

1. Upon inserting your debit card, select "Green PIN" from the menu on the next screen.
2. Select “Generate OTP.”
3. An OTP will be sent to your registered mobile number, with a validity of 3 minutes. Once the card light blinks, it is a prompt for you to remove the card.
4. After receiving the OTP, insert your debit card again, reselect “Green PIN,” and then select the option “Validate OTP.”
5. Enter the OTP received on your registered mobile number on the ATM screen.
6. Once the OTP is validated, please enter your new 4-digit PIN and select "Confirm."
7. Re-enter the new 4-digit PIN and press "Confirm."
8. Upon successful completion of the process, you will receive a confirmation message on the screen and via SMS.

NOTE: The Green PIN generation process is applicable to all cards.

For your card safety, you can now enable/disable any debit card feature via the digibank app. Please find the steps for the same: Login > Go to Account > Select Debit Card > Card Use Settings. With your digiSavings VISA Debit Card, you can withdraw a maximum of INR 50,000 daily at any ATM in India. If you are overseas, you can withdraw an amount equivalent to up to INR 25,000 daily from VISA-enabled ATMs. You can check your daily limits from the app by clicking on My Account > Debit Card > Manage Debit Card.

Important: In the case of international cash withdrawal transactions, applicable exchange rates and other fees, including TCS, will be levied. Please visit our website, www.dbsbank.in or https://www.dbs.com/digibank/in/schedule-of-charges.page for all applicable rates and fees for debit cards.

The limit for your debit card is based on the account type you hold, which cannot be exceeded.

You can choose to change the daily limit of your physical debit card for domestic and international transactions respectively within the set account limits. Simply log in to the digibank app > My Account > Debit Card > Daily Limit.

With our physical debit card, you enjoy easy withdrawals at nearly 2 lakh ATMs across India and shopping at over 1 lakh online merchants, within specified card limits.

Our Visa payWave-enabled card is a quick and convenient way to pay with a simple tap, and no signature (or PIN) is required, for up to a maximum of INR 5,000 only.
All our debit cards use the highest possible encryption and multiple layers of security features.
Our digibank debit card carries a minimal annual fee, applicable from the second year onwards.
Please click https://www.dbs.com/digibank/in/schedule-of-charges.page to refer to our rates and fees for the applicable charges.

For any further queries, please write to us at [email protected].

To activate your card in the digibank app, please follow these steps: Open the menu, select My Account, and then choose Activate Debit Card. Enter the 3-digit CVV from the back of your card and verify it. Next, create and re-type a 4-digit PIN of your choice, then save the PIN to complete the activation of your debit card.

You can also visit the nearest DBS Bank ATM to set the PIN and activate your debit card. If you are unable to see the activated debit card option in the digibank app or if you were unable to activate it at the ATM, then please write to us at [email protected], and we shall provide you with a response within 3 working days.

Please check the list of Visa Lounges at Visa Airport Lounges

For more details, reach out to us on our customer care number 18602103456/+91 44 4902 1180.

The Tax Collected at Source (TCS) charges are applicable on debit card remittance transactions beyond aggregate remittance spends of INR 7 lakh in a financial year. To calculate this limit, all Forex withdrawals made by the customer under the Liberalised Remittance Scheme (LRS) across various products, such as Outward Remittances, Forex Cards, and Debit Cards, are included.

Effective 1st April 2025, DBS Bank debit card international spends will be charged at 0% Tax Collected at Source (TCS) for Liberalised Remittance Scheme (LRS) utilisation within ₹10 lakh and at 20% if it is above ₹10 lakh, as per “LRS for other purposes” guidelines.

The threshold limit of ₹10 lakh per financial year mentioned above is the aggregate threshold of forex availed at the customer PAN level, encompassing Outward Remittances, Forex Prepaid Cards, Currency, and Foreign Currency Demand Drafts. The maximum LRS limit will be US$250,000.

TCS will be applicable for all foreign cash withdrawals through ATMs using DBS Bank debit card and international transactions performed through POS or e-commerce, including transactions done on foreign merchants or sites that offer Dynamic Currency Conversion (DCC) transactions.

Effective 1st April 2025, DBS Bank debit card international spends will be charged at 0% Tax Collected at Source (TCS) for Liberalised Remittance Scheme (LRS) utilisation within ₹10 lakh and at 20% if it is above ₹10 lakh, as per “LRS for other purposes” guidelines.

The threshold limit of ₹10 lakh per financial year mentioned above is the aggregate threshold of forex availed at the customer PAN level for the financial year. This includes Outward Remittances, Forex Prepaid Cards, Currency, and Foreign Currency Demand Drafts. The maximum LRS limit will be at US$250,000.

We will only deduct annual charges for the active debit card that you hold for your account. Please note that there are charges for any debit card reissuances, over and above the four free replacement debit cards allowed for that year.

You cannot use the digibank app or Internet Banking without a debit card. Your DBS Bank debit card offers benefits like unlimited withdrawals at 200,000 ATMs across India, shopping at over 100,000 online merchants, and most importantly, an active debit card will come in handy should you ever need to reset your password while accessing your account on the digibank app.

If you would like to explore other account types, please visit our website dbsbank.in for more details.

RBI has directed the payment aggregators, wallets and online merchants (entities in card transaction/payment chain other than card issuers/card networks) not to store any sensitive card related customer information including full card details. Hence, the card numbers can be replaced with ‘token’s as mentioned above. This RBI mandate would come into effect from 1^st October 2022. Please be assured that this will not hamper your debit card experience but will make your debit card transactions more secure.

We are offering rewards / offers / cash back on qualifying transactions done on your DBS Bank debit card. Find more details for our rewards / offers / cashback program: DBS Offers

Yes, there is a cap on rewards / offers / cashback, please find below details for our rewards / offers / cashback program: DBS Offers

(a) Fixed Standing Instructions: The recurring payment from the merchant will always be for a fixed amount. For example, a monthly deduction of INR 500 for a subscription on an OTT platform.

(b) Variable Standing Instructions: The recurring payment from the merchant will be for a variable amount each time a recurring payment is made. For example, a Standing Instruction for payment of an electricity bill will be for a different amount each month.

You can check for the Standing Instructions via the DBS Bank digibank app. From the digibank app, you will be redirected to the DBS Bank SiHub platform for the required information.

[Can also be viewed on the merchant platform, only if this feature has been made available by the merchant.]

You can easily manage your Standing Instructions by following the steps below:

• STEP 1 - Log in to the DBS Bank digibank mobile application.
• STEP 2 – Click on “Debit Cards” from the hamburger menu.
• STEP 3 - Select the Debit Card.
• STEP 4 - Click on the “Manage Mandate” tab and you will be redirected to the SI Hub platform.
• STEP 5 - Enter your credentials.

A list of all your Standing Instructions will be displayed. You can manage and modify these Standing Instructions.

You can modify the following criteria in an active Standing Instruction:

(a) Standing Instruction limit amount (only in the case of Variable type of Standing Instruction. Please refer to FAQ no. 3 to know about Variable Standing Instructions).

(b) Standing Instruction end date (for both fixed and variable Standing Instructions).

For uninterrupted services, you may log into the DBS Bank digibank app and make the payment directly on the merchant’s platform, as per the billing frequency.

The best way to cancel Standing Instructions is to first cancel your subscription with the merchant directly by requesting a cancellation. You can contact DBS Bank or call the customer care number 18602103456/+91 44 4902 1180 to place the request for cancellation of the payment.

Yes, SMS and email alerts will be sent to you on your registered mobile number and registered email ID available with us:

• when the Standing Instruction for payment is set up on your DBS Bank Debit Card, and
• when the Standing Instruction has been successfully/unsuccessfully carried out for the recurring payment.

There is no limit on the number of Standing Instructions that can be setup on a particular debit card.

As per the RBI guidelines on ‘Processing of e-mandate on cards for recurring transactions’, several requirements are mandated for processing recurring transactions/Standing Instructions set up on debit cards.

As per the regulatory requirements, some of the key security and safety measures are as listed below:

• Mandate registration, modification, and deletion now requires additional factor authentication (AFA).
• Customers will get a pre-debit (SMS/Email) notification 24 hours prior to the debit.
• Customers have the facility to view / modify / cancel any Standing Instructions set on their card.
• Customers can set a maximum amount for each SI. If the transaction amount is greater than the maximum amount assigned by the customer, the pre-debit notification will have a link for the customer to authenticate the transaction with AFA. Without this authentication, the transaction will not be processed.
• Any recurring transaction of an amount greater than INR 15,000 requires AFA each time the amount is debited.

These inputs will vary from merchant to merchant. However, below are some of the fields of information which can be sought by a merchant:

• Bill parameters (relationship number, consumer number, metre number, plan name, policy number, as the case may be)
• Standing Instruction (SI) start date
• Standing Instruction (SI) end date
• Standing Instruction limit amount (if it’s not a fixed product plan)