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
STEP I: Login to your bank's internet banking portal with your credentials. STEP II: Go to the 'Value Added Services' or the 'Cards' section, depending on your bank's website, and choose 'debit card ON/OFF'. STEP III: Choose the card you want to enable from a list of all your linked debit cards.
How do I use my debit card online? ›
After entering the digital shopping cart on the vendor's website:
- Select your payment method. ...
- Indicate the type of branded debit card you'll be using, be it Mastercard or Visa debit.
- In some cases, you may be asked to enter your name as listed on the card. ...
- Enter the 16-digit number on the front of your card.
STEP I: Login to your bank's internet banking portal with your credentials. STEP II: Go to the 'Value Added Services' or the 'Cards' section, depending on your bank's website, and choose 'debit card ON/OFF'. STEP III: Choose the card you want to enable from a list of all your linked debit cards.
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 with card online? ›
Enter your card number, name, the expiry date of the card, and the CVV number (the three-digit number on the back of your card). Sometimes, you may be asked for the billing address too. When you submit this information, you will receive an OTP or one-time password on your registered mobile number or email address.
Do you need to activate your debit card to use it online? ›
You don't need to do anything to activate your debit card. You'll be able to use it to make online payments as soon as it arrives in the post.
How to withdraw money from a debit card online? ›
Here's how.
- Download and install your bank's official mobile banking app.
- Log in to your account or register if you haven't already.
- Navigate to the "Fund Transfer" or "Money Transfer" section.
- Select the option to transfer funds from your debit card to your bank account.
It is common for banks not to authorize certain transactions based on their internal policies. When a payment fails, it is likely due to filters the bank applies to certain transactions made online, or amount limitations applied to the card.
How do I use my card for online transactions? ›
Online Payment
Step 1: Choose "Debit Card" as your mode of payment. Step 2: Enter your debit card number, the name of the card owner, and the expiration date. Step 3: Enter the three-digit CVV code. Step 4: Finally, enter the OTP received on your registered phone number to complete the payment.
Can I do online transaction with debit card? ›
How to Use a Debit Card Online? 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.
The card isn't activated. Attempts to exceed your daily transaction amount. Lack of available funds. Expired card information is being used.
Why is my card not letting me buy online? ›
You entered your card information incorrectly. You have an old address or phone number still on file. You reached your credit limit. Your card has expired.
How to check if your debit card is working online? ›
How do I know if my debit card is activated online? You will typically receive a confirmation message or email once your debit card is activated. Additionally, you can try making a small purchase or check your account balance and transaction history to confirm if your debit card is activated.
How to activate debit card for online transaction? ›
You need to login to the respective bank's internet banking portal. Once you log in, go to the section marked as 'Debit Card'. There will be instructions on how to generate an ATM PIN for your Debit Card. Generate an ATM PIN by following those instructions and your Debit Card will be activated online.
Can I pay online using my debit card? ›
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.
Do debit cards work for online payments? ›
Debit cards offer the same convenience as credit cards, with most accepted at the same places – whether it's online or in-store. But they work in different ways. Here's an overview of the key differences between credit and debit cards.
What is a downside to using a debit card online? ›
credit card: which is safer to use online? Because debit cards withdraw money from your checking account, a criminal who gets your account information or PIN could empty your account.
What happens when you use a debit card for online purchases? ›
Payments with a debit card are taken instantly from your checking account and shopping online comes with the added risk that your information may be stolen. Using a debit card opens up the possibility that the thief will gain access to the funds in your checking account.
Do you need a PIN to use debit card online? ›
In most cases, if you're making a purchase online, you don't have to enter the card's PIN. Instead, you enter the card number, expiration date, and the cardholder's name. In some cases, you may also be prompted to enter the billing address for the card and the three-digit security code on the back of the card.
