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Gone are those days when only cash was used for transactions. With the introduction of cards, e-wallet and virtual money, many more options of financial transactions have opened up. This has definitely made life easier as one is free from the stress of carrying hard cash around. No more waiting at ATM queues or getting robbed for money. Debit cards are one such convenient alternative for payment transactions. Cashless facility has become a way of life now. Debit cards offer many advantages other than utilizing it for transactions like discounts, offers, brand partnerships, rewards etc.
About HSBC Debit Cards
HSBC is one of the leading private banks in the country that offers different types of cards to suit different needs. A nominal annual fee is charged by the bank towards maintenance of the card. Some of the notable features of the HSBC debit cards are:
There are mainly three types of HSBC Debit card. This is directly linked to the type of account held with the bank.
The insurance coverage is extended to:
All resident and non-resident individuals (minors are not included) who hold Savings or Current bank account with HSBC India can apply for a debit card.
HSBC debit cards are very secure as it contains embedded chip on every card. This chip provides latest security features and protects from fraudulent transactions especially counterfeiting and skimming. When you apply for a HSBC debit card, the card that is sent across is initially inactive for safety purpose. Only after the cardholder activates the PIN which is sent separately, can the card be used for any purchases or online transactions.
Online transactions are particularly secure with HSBC debit cards because of the 3-D Secure (3DS) technology. This is an added layer of security for online transactions through the card. This service is offered to the customers with the payment partner Visa through their Verified by Visa (VbV) service. It is not possible to transact online with HSBC debit card without the VbV service. Also, to enhance the security feature of using HSBC debit card, those cards that have been issued after 1 December 2013 have an option of choosing domestic or international usage. Those cards that opt for domestic usage cannot be used outside the country. This helps in curbing misuse of the card without the knowledge of the cardholder.
(1) Is it possible to use the HSBC debit card for both ATM and online transactions?
Yes, the HSBC debit Card can be used for both ATM and online transactions. This is accepted on websites in India that accept Visa debit cards.
(2) What is the security feature on the HSBC debit card?
HSBC has added an additional layer of security particularly for purchase transactions at retail outlets. The swipe machines are enabled to accept the debit card with the ATM PIN. If the PIN entered is incorrect, the transaction is declined. You will need to provide an alternate card or make cash payment. Usage of PIN for swiping the debit card at these types of outlets is mandatory.
(3) How can I apply for a debit card?
One can apply for a debit card by visiting the nearest HBSC branch and submitting an application form with the required documents. Alternatively, you can also submit your application online on the bank website.
(4) What is the purpose of One Time Password (OTP)?
If you are using HSBC debit card to make an online transaction, an OTP is sent to your registered mobile number to complete the payment. This is done to protect your card against fraud transactions and that the rightful holder of the card is authorizing the payment.
(5) How many online transactions can I do with the HSBC debit card?
There is no upper limit on the number of online transactions that you can do with HSBC debit card. However, the total amount of online transactions per day is limited to the same amount as daily purchase limit offered on the card.
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CreditMantri will never ask you to make a payment anywhere outside the secure CreditMantri website. DO NOT make payment to any other bank account or wallet or divulge your bank/card details to fraudsters and imposters claiming to be operating on our behalf.