What is a debit card and its types

By | January 9, 2023
What is a debit card and how many types are there

What is a debit card and its types

Hello friends, in today’s article complete information about debit card has been given. If you do not know what is debit card and how many types of debit cards are there then this article will be very helpful for you.

Earlier we needed money, then first we used to go to the bank, withdraw money from there, then the money used to come in our hands. In such a situation, it also took a lot of time and there were many problems too.

There are many options for cashless payment in Digital India, one of them is Debit Card. Debit cards are most commonly used for online payments and for withdrawing cash from ATMs. Using this, you can make cashless payments in a very easy and secure way. If you do not know what is a debit card and how to use it, then read our post completely.

what is debit card

Debit card is a type of card, which is linked with your bank account. With debit card, you can withdraw money from ATM, for this you do not even need to go to the bank and you can do online transaction sitting at home with the help of debit card and make cashless payment anywhere.

Whenever you withdraw money by going to ATM machine with the help of debit card or make online payment with the help of debit card at any place, the money is deducted from your bank account.

Debit card is given to you by the bank. If you do not have a debit card, then you can apply for a debit card by going to your bank or you can apply for a debit card online if you want. After applying for the debit card, the debit card will be sent to your home post within 10 to 15 days.

There is a question in the mind of many people that what is the difference between debit card and ATM card. Let us tell you that Debit card and ATM card are the same. Some people call debit card as ATM card.

Debit card information

Debit card is of vital importance to promote cashless payment on digital India. Some information is given in the debit card, with the help of which the debit card is identified

  • black-credit-card-realistic-credit-debit-cards
  • 16 digit card number
  • Expiry date
  • card holder name
  • 3 digit cvv number
See also  SIP Investment Kya Hota Hai In Hindi: मासिक SIP से 20 वर्षों में 10 करोड़ कैसे बनाये और SIP शुरू करने का सही समय क्या है?

Whenever you make online payment with debit card, then you have to enter these 4 types of information, only then you can pay online with debit card.

What is debit card number

Whenever we issue an ID card, no matter what the card is, a unique number is given in it. Aadhar card, voter ID, driving license is the number on top of every type of card, with the help of which the owner of that card can be traced. In the same way, there is a 16 digit number on the top of the debit card.

A 16-digit number is given on the top of every debit card. And this number is unique. With the help of the debit card number, the bank account with which this debit card is linked is ascertained.

Out of the 16 digit debit card number, the number up to the first 6 digits shows that debit card issuing bank, which we call bank identification number. The number from 7th digit to 15th digit is linked with your bank account number. This is not your bank account number but it is linked with it. The last number indicates whether your debit card is valid or not.

You need to have a bank account to get a debit card. Somewhere people do not have information about how to use a debit card. If you do not know how to use debit card, then this will help you.

How to use Debit Card

Whenever we have to withdraw money from our bank, we either go to the bank or go to the ATM machine. But many people do not know how to withdraw money from ATM.

Whenever the bank gives you a debit card, you are given a 4-digit PIN along with which we call ATM PIN. Whenever you withdraw money from ATM with the help of your debit card, you need ATM PIN. Remember not to share your Debit Card PIN with anyone.

To withdraw money from ATM with the help of debit card, first you go to ATM. Swipe by entering your debit card in the ATM machine. When you swipe your debit card inside the ATM machine, then you have to enter the 4 digit PIN of the debit card, only then you can proceed further. If you have entered the PIN number wrong then you will not be able to withdraw money from the ATM machine.

See also  Credit Card Ke Bina EMI Par Mobile Kaise Le: क्रेडिट कार्ड के बिना EMI पर ऑनलाइन प्रोडक्ट कैसे खरीदें?

Other uses of debit cards

Not only is it used to withdraw money from ATMs, but apart from this, debit cards have many uses. You can make online payment with the help of debit card. With the help of debit card, you can also transfer money from one bank account to another bank account.

If you want to make online payment through debit card, then for that you have to enter the number (16 digits), expiry date, CVV number (3 digits) of your debit card and the name which is written on the top of the debit card.

When you enter all this information, after that you have to enter an OTP which has come on the mobile number registered with your bank account.

You do not need to enter 4 digit PIN while making online payment. You need that 4 digit PIN only when you withdraw money from ATM machine or use debit card through terminal machine at any shop.

Now you have come to know that what is a debit card, what is a debit card number, and how to use a debit card, so let us now tell you how many types of debit cards are there, how many types of debit cards are there. .

Types of Debit Card in India

There are 5 types of debit cards in India. The function of all debit cards is same. But the company has different debit cards. Some are of private company.

  1. Rupay debit card
  2. master debit card
  3. Visa debit card
  4. Maestro debit card
  5. contactless debit card

Whenever you issue a debit card from the bank, it gives you one of these five types of debit cards. Whatever debit card provider company is, it is linked to the bank. Those who give a debit card to the bank and the bank gives you a debit card.

1. Rupay debit card

Rupay debit card was launched under NPCI. With the help of Rupay card, you can do online transactions across India and transfer money from any ATM machine.

There are 3-4 types of debit cards inside Rupay debit card. Which is given the name of the metal such as Titanium debit card, gold debit card, platinum debit card, silver debit card.

See also  Credit Card Se Account Me Paise Kaise Transfer Kare: क्रेडिट कार्ड से बैंक खाते में ऑनलाइन पैसे ट्रांसफर करें, क्रेडिट कार्ड से पैसे निकालने पर कितना चार्ज लगता है?

Let us tell you that it is not actually any metal, nor is there any such metal on the debit card. This is just a name. Which shows the benefits of that debit card. Different types of debit cards have different benefits.

Let us tell you that you can use Rupay Debit Card within India only. You cannot use RuPay card outside India.

2. Visa debit card

As told above that you can use Rupay card only in India, if you want to transact outside India then you can do it with the help of Visa Debit card. This is a debit card that is used in India as well as in different countries of the world.

3. Maestro debit card

With the help of Maestro debit card, you can do online transactions anywhere. Inside India and outside India also. Maestro debit card belongs to foreign company.

Maestro debit card is recognized as a trademark of master card. With the help of this debit card, you can make online payment anywhere.

4. master debit card

This is a foreign payment getaway with the help of which you can transfer money to different countries, pay online. If you transact in any other country, then you also have to pay a charge for this.

5. contactless debit card

Near field technology is used in this type of debit card. which is safe. Like other debit cards, you can use this debit card for online payment.

Tips to use your debit card safely

While using Debit card, you should take some precautions so that you can avoid banking fraud.

Never tell your four digit transaction pin to anyone. Never tell when otp is asked by phone call, sms or email.

Never share your card information on unknown sites. Always shop from a secure site.

Do not use ATMs in very old or deserted areas, otherwise you may become a victim of card skimming.

Register your mobile number in the bank so that you can get SMS of every transaction information on your mobile.

Hope you liked this post. If you liked it then do share it with your friends. And to read similar articles, please follow our blog. 

Thank you


यह पोस्ट कितनी उपयोगी थी?

इसे रेट करने के लिए स्टार पर क्लिक करें!

Average rating 0 / 5. Vote count: 0

अब तक कोई वोट नहीं! इस पोस्ट को रेट करने वाले पहले व्यक्ति बनें।

जैसा कि आपको यह पोस्ट उपयोगी लगी...

Follow us on social media!

हमें खेद है कि यह पोस्ट आपके लिए उपयोगी नहीं थी!

आइए इस पोस्ट को सुधारें!

हमें बताएं कि हम इस पोस्ट को कैसे सुधार सकते हैं?

Leave a Reply

Your email address will not be published. Required fields are marked *