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 INR2,000, 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 and PoS terminals that accept contactless cards will also feature this contactless symbol.

At DBS Bank, we’re always looking for ways to enhance your banking experience. Introducing Visa Tap to Pay-enabled DBS Bank Debit Cards will let you make quick and easy transactions. As we want you to take advantage of the newest features and advantages, Visa Tap to Pay debit cards will be provided 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/li>

You can use your Visa Tap to Pay-enabled card at any retailer displaying the contactless symbol at the point of sale, both in India and overseas.

Yes, your debit card is equipped to process online transactions. Please note that, as per RBI guidelines, the online transactions are disabled by default when the card is issued. To enable online payments or e-commerce transactions, you need to activate this feature via the digibank app.

1. Open the DBS Bank digibank app.
2. Navigate to Accounts -> Cards -> Card Settings.
3. Turn on E-commerce/Online Transactions Usage (for Domestic and International) and set the preferred limit.

For further assistance, please contact our customer care at 1860 210 3456 or +91 44 4902 1180.

Bank offers multiple ways to reset the debit card pin.

• Mobile Banking or digibank App: Open the DBS Bank digibank app, go to the "Accounts" section, and select the "Debit Cards" tab. Choose the debit card for which you wish to reset the PIN and click on "Change PIN". Follow the prompts to enter and confirm your new PIN.
• Internet Banking: Log in to DBS Bank's internet banking portal, navigate to the "Accounts" section, and click on the "Debit Cards" tab. Select the debit card you want to reset the PIN for and click "Change PIN". Enter and confirm your new PIN.
• ATM: Visit any DBS ATM to reset your PIN. Follow the on-screen instructions to receive an OTP on your registered mobile number and use it to set a new PIN.

In the event that your debit card is lost, you can:

• Permanently block the debit card: Use the Mobile Banking or digibank app to block your debit card immediately. Alternatively, you can contact our customer support at 1860 210 3456 or +91 44 4902 1180 to block the card.
• Request for re-issuance of a new debit card: You can request a new debit card either when you block the lost card or later.

Debit card PIN can be generated through the Mobile Banking/digibank app, Internet Banking, or at an ATM.

• DBS Bank Mobile banking or digibank app: To generate or reset your debit card PIN using the Mobile/digibank app, go to the "Accounts" section, select the "Debit Cards" tab, choose the card you want to update, and click on "Change PIN" to enter your new PIN.
• Internet Banking: To generate or reset your debit card PIN using Internet Banking, go to the "Accounts" section, select the "Debit Cards" tab, choose the card you want to update, and click "Change PIN" to enter your new PIN.
• ATM: You can set the PIN for the card through any of our DBS ATMs via OTP at 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 determined by your net relationship value under the 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 or digibank app.

Navigate to Accounts -> Cards -> Card Settings, activate International Usage (for Online, Offline, Contactless, or ATM Withdrawals), and set your preferred limits.

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. Here’s how you can generate or reset your PIN:

To generate a new PIN:

• Mobile/digibank app: Go to the "Accounts" section in the DBS Bank Mobile Banking or digibank app. Select your debit card under the "Debit Cards" tab and choose "Change PIN" to enter your new PIN.
• Internet Banking: Access the "Accounts" section in the DBS Bank Internet Banking platform, select your debit card under the "Debit Cards" tab, and choose "Change PIN" to enter your new PIN.
• ATM: Set your PIN at any DBS ATM using the OTP sent to your registered mobile number, and activate your card to continue using debit card services. To reset a forgotten PIN:
• Mobile/digibank app: Use the "Reset PIN" option in the "Accounts" section of the DBS Bank Mobile Banking or digibank app. Select your debit card and follow the prompts to set a new PIN.
• Internet Banking: The "Reset PIN" option is also available in the "Accounts" section of DBS Bank Internet Banking. Select your debit card and reset your PIN.
• ATM: Visit any DBS ATM and reset your PIN using the OTP sent to your registered mobile number.

The feature can be enabled using DBS Bank Mobile Banking/digibank app or Internet Banking. You can navigate to the “Accounts” section, select the “Debit Card” tab, and choose the debit card for which you wish to activate international usage. From here, you can enable international usage by using the "Manage" option. Please note that the international usage option may not be available for a few debit card variants.

You can modify your limits through the DBS Bank mobile/digibank app. On digbank app, simply navigate to the "Accounts" section, select "Debit Cards", choose the preferred card, and use the "Manage" option to update your limit. Alternatively, you can visit any DBS Bank branch to request a limit modification for your debit card.

Debit cards are issued based on the account variant you hold with the Bank. You can view the specific charges here: Schedule of Charges.

Permissible international transactions at ATMs, POS terminals, and through e-commerce platforms, do invite charges. You can view the applicable rates and fees here: Schedule of Charges.

The debit card is delivered within 7 working days post issuance.

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 a blood relative after verification through 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.

To permanently block or hotlist your debit card, go to the "Debit Cards" tab under the "Accounts" section in the DBS Bank mobile banking/digibank app. Select the debit card you want to block and choose the "Permanently Block/Unblock" option.

You can also block your card by visiting a bank branch, calling customer care at 18602103456/+91 44 4902 1180, or sending an SMS with the text "HOTLIST" to 7065154444.

In case of a lost mobile or card, contact our emergency hotline immediately at 1860 210 3456 or 1860 267 1234 (within India) or +91 44 6685 4555 (international).

Once you have a new phone, you can request a replacement card through the app.

To temporarily block or unblock your debit card, navigate to the "Debit Cards" tab under the "Accounts" section in the DBS Bank mobile banking/digibank app. Select the debit card you want to block/unblock and choose the "Temporary Block/Unblock" option.

Alternatively, you can visit your nearest bank branch, call customer care at 18602103456/+91 44 4902 1180, or send an SMS with "HOTLIST" to 7065154444 to temporarily block your card.

If your debit card is stolen or lost, you should immediately block it to prevent unauthorised use. To block your card, open the "Debit Cards" tab under the "Accounts" section in the DBS Bank mobile banking/digibank app, select the card you wish to block, and choose the "Permanently Block/Unblock" option.

You can also block your card by visiting your nearest bank branch, calling customer care at 18602103456/+91 44 4902 1180, or sending an SMS with "HOTLIST" to 7065154444.

Once blocked, you can request a replacement card through the DBS Bank mobile banking/digibank app.

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

Via the digibank app/mobile banking:

1. Open the "Cards" tab under the “Accounts” section.
2. Select the debit card you want to activate and click on the "Generate PIN" option.
3. 3Set your desired PIN and confirm it. Authorise the PIN-setting transaction through the app.

Via internet banking:

1. 1. Log in to your internet banking account at www.dbsbank.in/login.
2. 2. Go to the "Cards" tab under the “Have” section.
3. 3. Select the debit card you wish to activate and click on the "Generate PIN" option.
4. 4. Set your PIN and authorise the transaction using OTP.

Alternatively, you can call customer care at 18602103456/+91 44 4902 1180 from your registered mobile number for further assistance.

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. The customers can easily enable contactless transactions using the DBS Bank mobile banking or digibank app.

Go to the "Accounts" section, select "Debit Cards," and turn on the "Contactless Transactions (Tap and Pay)" option.

Yes, according to RBI guidelines, the limit for contactless transactions is INR 5,000 per transaction.

With your DBS Bank Debit Card, you can enjoy a range of exciting offers across various categories, including groceries, 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

In most cases, a debit card is automatically issued when you open a savings account with DBS Bank, so there's no need for a separate application./p>

However, if you need to apply for a debit card separately, you can do so by submitting an application at your nearest DBS Bank branch. You will receive your debit card within 7 days of your application.

Applying for a DBS Bank Debit Card online is easy and can be done in just a few simple steps:

1. Visit the DBS Bank Website or digibank App: Access the "Accounts" section in either DBS Bank’s Internet banking platform or the digibank app. Select the "Debit Cards" tab.
2. Choose Your Debit Card: Select the debit card variant you wish to apply for, based on the benefits and features that suit your needs.
3. Submit Your Details: Provide the required personal details and documents. Many of these details might already be on file with the bank, and you may only need to update or verify them.
4. Wait for Processing: After submitting your application, you will receive your debit card within 7 days. Along with the card, you'll receive confidential information, including a Personal Identification Number (PIN). This PIN can be generated at a DBS Bank ATM if not provided with the card.
5. Start Using Your Card: Once you have your card and PIN, you can begin using it for transactions and payments.

For New and Existing Customers: New customers can receive a debit card when opening a new Savings Account with DBS Bank. Existing customers can apply for a new or replacement debit card via internet banking, the digibank app, or by visiting a DBS Bank branch.

Yes, your debit card comes with insurance coverage. For more details, please review our Terms and Conditions for debit cards.

To generate a PIN or Green PIN at the ATM, follow these steps:

1. 1. Insert your debit card into the ATM and select "Green PIN" from the menu.
2. 2. Choose "Generate OTP" to receive a One-Time Password (OTP) on your registered mobile number. The OTP is valid for 3 minutes.
3. 3. Once the card light blinks, remove your card from the ATM.
4. 4. Reinsert your card, select "Green PIN" again, and then choose "Validate OTP."
5. 5. Enter the OTP received on your registered mobile number on the ATM screen.
6. 6. After OTP validation, enter your new 4-digit PIN and confirm it.
7. 7. Re-enter your new 4-digit PIN to confirm.

You will receive a confirmation message on the screen and via SMS once the process is completed successfully.

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

To ensure your card's security, you can enable or disable any debit card feature through the digibank app. Simply log in, go to "Accounts," select "Debit Card," and then choose "Card Use Settings."

With your digiSavings VISA Debit Card, you can withdraw up to INR 50,000 daily from ATMs in India. For international withdrawals, the daily limit is up to INR 25,000 from VISA-enabled ATMs. You can view and manage your daily limits by accessing "My Account" > "Debit Card" > "Manage Debit Card" in the app.

Important: International cash withdrawals may incur exchange rates and additional fees, including TCS. For details on applicable rates and fees, please visit our website at <a title="https://www.dbsbank.in/" href="https://www.dbsbank.in/"" target="_blank" rel="noopener">www.dbsbank.in or DBS Schedule of Charges.

The limits on your debit card are based on the type of account you hold and cannot exceed these preset limits. However, you can adjust the daily limits for domestic and international transactions within the available account limits.

To change your daily limits, log in to the digibank app, navigate to "My Account," select "Debit Card," and then choose "Daily Limit."

With our Physical Debit Card, you can easily withdraw cash at nearly 200,000 ATMs across India and shop at over 100,000 online merchants, all within your card limits.

• Our Visa payWave-enabled card offers a fast and convenient payment option. Simply tap your card to make payments up to INR 5,000 without needing a signature or PIN.
• All our debit cards are equipped with advanced encryption and multiple layers of security to ensure your transactions are protected.
• The digibank debit card has a minimal annual fee, applicable from the second year onwards. For details on rates and fees, please visit DBS Schedule of Charges.
• For further assistance, contact us at [email protected].

First, ensure you have followed these steps to activate your card in the digibank app:

1. 1. Go to the “Menu” and select "My Account"
2. 2. Choose "Activate Debit Card"
3. 3. Enter the 3-digit CVV from the back of your card and verify
4. 4. Create and re-type a 4-digit PIN of your choice
5. 5. Save the PIN to complete the activation

Alternatively, you can visit the nearest DBS Bank ATM to set the PIN and activate your card./p>

If you cannot see the activation option in the digibank app or are unable to activate your card at the ATM, please email us at [email protected]. We will respond within 3 working days.

To find out if your debit card offers airport lounge access, refer to the list of DreamFolks lounges available at: DreamFolks Airport Lounges

For additional information or assistance, please contact our customer care at 18602103456 or +91 44 4902 1180.

Yes, TCS charges apply to debit card remittance transactions exceeding an aggregate of INR 7 lakh in a financial year. This limit includes all Forex withdrawals under the Liberalised Remittance Scheme (LRS) across various products, such as outward remittances, Forex cards, and debit cards.

Effective 1st April 2024, international spends on DBS Bank debit cards will incur a TCS rate of 0% for LRS usage within INR 7 lakh. For amounts exceeding INR 7 lakh, the TCS rate will be 20%, as per the “LRS for other purposes” guidelines.

The INR 7 lakh threshold is the aggregate limit for Forex transactions at the customer’s PAN level, including outward remittances, Forex prepaid cards, currency, and foreign currency demand drafts. The maximum LRS limit is set at USD 250,000.

Yes, Tax Collected at Source (TCS) applies to all foreign cash withdrawals from ATMs, as well as international transactions made through POS terminals or e-commerce platforms. This includes transactions with foreign merchants or those involving Dynamic Currency Conversion (DCC).

Effective from 1st April 2024, international spends on DBS Bank debit cards will incur a TCS rate of 0% for Liberalised Remittance Scheme (LRS) usage up to INR 7 lakh. For amounts exceeding INR 7 lakh, the TCS rate will be 20%, as per the “LRS for other purposes” guidelines.

The INR 7 lakh threshold is the aggregate limit for Forex transactions at the customer’s PAN level, including outward remittances, Forex prepaid cards, currency, and foreign currency demand drafts. The maximum LRS limit is USD 250,000.

We will only deduct annual charges for the active debit card associated with your account. Please note that any debit card reissuances beyond the four free replacements allowed per year will incur additional fees./p>

A debit card is required to utilise the digibank app and online banking services. Benefits of your DBS Bank Debit Card include shopping at over 1,00,000 online merchants, unlimited withdrawals at 2,00,000 ATMs nationwide, and - most importantly - the ability to access your account on the digibank app with an active debit card in the event that you forget your password.

To explore account types that may offer a free debit card or additional features, please visit our website at dbsbank.in for more information.

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. Instead, card numbers must be replaced with ‘tokens’. This RBI mandate came into effect on 1st October 2022. This change is not aimed to disrupt your debit card experience but will instead enhance the security of your transactions.

You can earn rewards, offers, or cashback on eligible transactions made with your DBS Bank debit card. For more details on our programme, please visit: DBS Offers

Yes, there is a limit on the rewards, offers, and cashback you can receive. For specific details, please refer to our programme: DBS Offers

The Standing Instructions/e-mandate feature is a recurring payment instruction on a debit card which facilitates periodic scheduled payments, and can be set-up by a debit card holder on a merchant platform.

You can set up Standing Instructions while making payment on any merchant platform. You may be required to define the payment frequency, trigger amount, maximum amount, and tenure of the transaction. The DBS Bank Debit Card selected during registration would be the default debit card for all future recurring payments.

(a) Fixed Standing Instructions: These are recurring payments where the amount remains constant each time. For example, a monthly deduction of INR 500 for a subscription on an OTT platform./p>

(b) Variable Standing Instructions: These are recurring payments where the amount varies each time a payment is made. For example, a Standing Instruction for an electricity bill, where the amount changes monthly.

You can review the Standing Instructions through the DBS Bank digibank app. The app will redirect you to the DBS Bank SiHub platform for detailed information.

[Alternatively, you can view them on the merchant platform if this feature is available there.]

To manage your Standing Instructions, follow these steps:

1. Log in to the DBS Bank digibank mobile application.
2. Click on "Debit Cards" from the hamburger menu.
3. Select your debit card.
4. Click on the "Manage Mandate" tab, which will redirect you to the SI Hub platform.
5. Enter your credentials.

You will then see a list of all your Standing Instructions.

You can modify the following aspects of an active Standing Instruction:/p>

1. Standing Instruction Limit Amount: This can be adjusted only for Variable Standing Instructions. (Refer to FAQ no. 3 in this section for details on Variable Standing Instructions.)
2. Standing Instruction End Date: This can be modified for both Fixed and Variable Standing Instructions.

No, new card numbers will not get automatically updated on the merchant’s platform. You are required to update your new card number for fresh Standing Instructions on the respective merchant platform.

You can modify the existing Standing Instructions by logging into the DBS Bank digibank app or make the modifications directly on the merchant platform.

To avoid service interruptions, ensure you log into the DBS Bank digibank app and make the payment directly on the merchant’s platform according to the billing schedule.

To cancel Standing Instructions, first request cancellation of your subscription directly with the merchant. Then, contact DBS Bank or call customer care at 18602103456/+91 44 4902 1180 to request the cancellation of the payment instructions.

If a Standing Instruction for payment has already received authorisation, then it will be processed and paid. However, if a Standing Instruction payment has not received authorisation and is exercised while your debit card is not active/hotlisted, the recurring payment will be declined.

Yes, you will receive SMS and email alerts on your registered mobile number and email address for:

1. When a Standing Instruction for payment is set up on your DBS Bank Debit Card.
2. When a Standing Instruction is successfully or unsuccessfully processed for recurring payments.

Yes, you can modify a Standing Instruction set for a biller on your DBS Bank Debit Card. To do so, log in to the Digibank app, navigate to the Debit Card section, and select "Modify/Delete Standing Instruction on Debit Card." Click the 'Modify' button next to the biller you wish to update.

No, DBS Bank does not levy any charges for setting up or managing Standing Instructions.

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

The Reserve Bank of India (RBI) has established detailed guidelines for processing e-mandates and Standing Instructions (SI) on debit cards. Key security and safety measures include:

• Authentication: All mandated registrations, modifications, and cancellations now require additional factor authentication (AFA).
• Pre-Debit Notification: Customers will receive an SMS or email notification 24 hours before a debit is processed.
• Management: Customers can view, modify, or cancel any Standing Instructions set on their card.
• Transaction Limits: Customers can set a maximum amount for each Standing Instruction. If a transaction exceeds this limit, a pre-debit notification will include a link for AFA. Without this authentication, the transaction will not be processed.
• Transaction Limits: Customers can set a maximum amount for each Standing Instruction. If a transaction exceeds this limit, a pre-debit notification will include a link for AFA. Without this authentication, the transaction will not be processed.
• High-Value Transactions: Any recurring transaction exceeding INR 15,000 requires AFA each time the amount is debited.

The information required can vary depending on the merchant. However, common fields typically requested include:

• Bill Parameters: Such as relationship number, consumer number, metre number, plan name, policy number, etc.
• Standing Instruction (SI) Start Date: The date when the recurring payment should commence.
• Standing Instruction (SI) End Date: The date when the recurring payment should cease.
• Standing Instruction Limit Amount: Applicable if the payment amount is not fixed.

You can log in to your DBS Bank digibank app and set up the Standing Instruction on your DBS Bank Debit Card.

To approve or opt-out of a Standing Instruction, log in to the DBS Bank digibank mobile application. You will be redirected to the SiHub platform, where you can manage your Standing Instructions: SiHub Management.