Debit Cards are very much in use these days when it comes to making payments and transacting on almost every occasion. One of the major reasons for this is their ease of use and convenience. Thus, even if you are a Debit Card novice and have no prior experience of using the card, fret not. Debit Cards are very convenient to deal with. All you need to do is keep a few basic things in mind.
How to Use Debit Cards?
Debit Cards can be used for payments almost anywhere that credit cards are accepted. From restaurants to online retailers to stores, you can use your Debit Card anywhere and anytime.
All you need to do is run the black magnetic strip on the back of your card through the card machine and sign for the transaction you have entered in.
In many cases, outlets use card readers. In that case, you input your unique 4- digit unique PIN or Personal Identification Number, after entering the amount. The bank account linked with your Debit Card processes the request and completes the transaction.
How to Use a Debit Card Online?
If you're paying for something online, you can use yourDebit Card. Here is a step-by-step guide to help you complete your payments online using Debit Cards-
- Once you are at the payment checkout, you need to choose “Pay Using Debit/ Credit Card. Once you select on the option, you need to specify the type of card, i.e., Debit Card and whether it is a Visa or Mastercard.
- Then, type the 16-digit Debit Card number which is on the front side of your Debit Card. You will also have to enter the expiration date of the card.
- Once you’ve entered the Debit Card details, you may be asked for a CCD, CVV, or similar security code. In most cases, it is a three or four- digit code that helps prove that you are authorised to use the card. This code is mostly found on the back of the cards.
- Once you are through the payment portal, you will be asked to enter a unique transaction code or an OTP (one-time password) that is sent to the mobile number linked to your Debit Cards. Once you enter the number, your transaction is verified, and you receive a notification.
- To use a Debit Card online, you will need to know the correct billing address which is linked to the card being used.
If you’re looking to apply for an HDFC Bank Debit Card, New customers can get a new Debit Card through opening a new Savings Account while experiencing hassle-free banking with HDFC Bank. Existing HDFC Bank customers can get their Debit Card reissued within minutes here.
* Terms & conditions apply. Dedit Card approvals are at sole discretion of HDFC Bank Ltd
FAQs
Activate Debit Card For Online Transaction Through ATM
STEP I: Visit your nearest ATM and choose your preferred language. STEP II: Select the 'Card Services' → 'Enable/Disable' option. STEP III: Next choose what you want to enable. In this case choose 'ECOM' for Online Transactions.
How do I use my debit card for online transactions? ›
Activate Debit Card For Online Transaction Through ATM
STEP I: Visit your nearest ATM and choose your preferred language. STEP II: Select the 'Card Services' → 'Enable/Disable' option. STEP III: Next choose what you want to enable. In this case choose 'ECOM' for Online Transactions.
Can I spend my debit card online? ›
Your debit card will work online. But debit cards are not a good way to pay when you shop online. Credit cards are safer to use when you buy things online: You might have a problem with something you buy online.
How to apply debit card through internet banking? ›
Visit your bank's website. Go to the retail banking/personal banking/debit/credit card section. Click on 'debit card apply online. Choose the category of debit card that you prefer.
Why can't I use my debit card for online transaction? ›
Why was my card declined for an online purchase? The most likely reason for a debit card decline is inaccuracies in your transaction information. Re-entering the card number will often solve the problem.
Why can't I use my debit card for online purchases? ›
If your debit card is declined, double-check the entered information (if transacting online) and retry the transaction to see whether it was a soft decline. In case you suspect it is a hard decline, check if: The card has expired or is inactive. You have met your daily purchase limit.
How to pay online payments? ›
Some of the common types of online payments are as follows:
- Credit Cards. Credit cards are one of the payment sources in the list of payment methods online. ...
- Debit Cards. ...
- Third-Party Payment Services. ...
- Electronic Cheques. ...
- Bank Transfers.
You can transfer money to someone using a debit card, in two ways, first, by adding him/her as a beneficiary on your bank's mobile banking app or Netbanking portal or secondly, by adding money to payment wallet like Paytm, MobiKwik, Amazon Pay etc, and transferring it to the respective persons' wallet.
Where is the 4 digit PIN on a debit card? ›
The 4-digit PIN code is the password you set in your bank account to withdraw money at an ATM. It won't be printed on a card. If you've forgotten your PIN, you'll need to contact your bank to retrieve it.
What is the easiest way to use a debit card? ›
A debit card can be swiped or inserted at pretty much any payment machine that accepts debit and credit. It can also be used for online purchases. If your card has a chip (a tiny device embedded on the side of the card), insert the card into the machine and follow the prompts on the screen.
A debit card is a payment card that deducts money directly from your checking account. Also called “check cards” or "bank cards," debit cards can be used to buy goods or services or to get cash from an ATM. Debit cards can help you reduce the need to carry cash, although using these cards can sometimes entail fees.
What is the difference between internet banking and debit card? ›
In simple terms, Debit Card says, Pay first buy later and Credit Card says, buy first pay later. Net Banking is completely different from cards. Net banking is an online medium to make online transactions. This is highly secured online gateway that connects user with his bank account directly.
Which bank support virtual debit card? ›
Virtual Debit Card - SBI, PNB, HDFC, and ICICI Banks. Virtual debit cards are an innovative form of card which allows for all kind of card based transactions which is to be completed online.
Do you need to activate your debit card to use it online? ›
However, before you start swiping, tapping, or using your card for online purchases, you need to go through an important process. You need to activate your debit card in order to use it.
What information do you need to use a debit card online? ›
For online and phone purchases and transactions, provide your card number, expiration date and CVV code. If you don't have your card handy, you can access your card information via virtual card. You may also use your debit card as an ATM card. Just insert your card and enter your PIN.
What card details to give for payment online? ›
In order to process a payment via credit card, you need the following information:
- Card number.
- Cardholder Name.
- Expiry Date.
- Security Code.
- Billing Address.
