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Karnataka Bank Debit Card

A debit card is very similar to a credit card as it allows an individual to make secure and easy purchases online and in person. But unlike a credit card, a debit card draws money directly from one’s account. So, it is not credit but it is one’s own money that is utilized. It can also be used to withdraw money from ATMs when required. The problems of carrying money in hand, waiting at long payment queues and the risk of robbery are all done away, with the advent of the debit card. A debit card is also known as plastic money. Debit cards have many more features such as cashbacks, discounts, partner tie-ups, airport lounge access, reward points and so on.

Types of Karnataka Bank Debit Cards

Karnataka Bank offers a range of debit cards depending on the customer’s requirement. The cardholder can access his/her account whenever needed and from wherever.

Karnataka Bank offers eight debit cards to thier customers.

  • Visa Classic Debit Card
  • Visa International Debit Card
  • RuPay Classic Debit Card
  • RuPay International Platinum Debit Card
  • RuPay PMJDY Debit Card
  • RuPay Kisan Debit Card
  • MoneyPlantTM RuPay Mudhra Card
  • Visa Gold Debit Card

Features of Visa Classic Debit Card

  • Flexibility of usage
  • MoneyPlantTM Visa Classic Debit Card gives the cardholder instant access to his/her account whenever he/she wants to make a purchase or withdraw money from an ATM (Automated Teller Machine) in India. The debit card is activated for payment transactions at merchant outlets within 24 hours of the cardholder’s first cash withdrawal from any MoneyPlantTM ATM or NFS ATM.

  • Reach
  • The cardholder can enjoy great reach as his/her card is accepted at over 1,82,000 ATMs and more than 10,00,000 POS terminals in India.

  • Zero lost card liability
  • The cardholder is insured for risk for loss due to fraudulent use of a lost, stolen or missing debit card. The customer needs to just inform the bank about the loss of the card by calling the 24 -hour customer service number.

  • 24 -hour emergency helpline
  • The cardholder can call the emergency helpline for card blocking or for any card assistance. This service is available around the clock.

Type of cardTransaction limit per day
Visa Classic Debit Card

ATM withdrawal limit – Rs.25,000/-

POS limit – Rs.75,000/-

Features of Visa International Debit Card

  • Flexibility of usage
  • MoneyPlant TM Visa International Debit Card gives the cardholder instant access to his/her account whenever he/she wants to make a purchase or withdraw money from an ATM (Automated Teller Machine) in India. The debit card is activated for payment transactions at merchant outlets within 24 hours of the cardholder’s first cash withdrawal from any MoneyPlant TM ATM, NFS ATM or Visa ATM.

  • Worldwide reach
  • The cardholder can enjoy worldwide reach as his/her card is accepted at over 1,82,000 ATMs and more than 10,00,000 POS terminals in India. It is also accepted in more than 1.8 million Visa enabled ATMs and more than 30 million Visa enabled POS terminals across the globe.

  • Zero lost card liability
  • The cardholder is insured for risk for loss due to fraudulent use of a lost, stolen or missing debit card. The customer needs to just inform the bank about the loss of the card by calling the 24 -hour customer service number.

  • 24 -hour emergency helpline
  • The cardholder can call the emergency helpline for card blocking or for any card assistance. This service is available around the clock.

  • Offers
  • There are special offers and discounts at merchant establishments on the card usage.

  • Charges

    1. There is an issuance fee of Rs.100/- plus service tax for the International Debit Card

    2. There is a renewal fee of Rs.100/- plus service tax

    3. The replacement of the card costs Rs.100/- plus service tax

    4. The regeneration of the PIN costs Rs.100/- plus service tax.

Type of cardTransaction limit per day
Visa International Debit Card

ATM withdrawal limit – Rs.60,000/-

POS limit – Rs.1,50,000/-

Features of RuPay Classic Debit Card

  • Flexibility of usage
  • MoneyPlantTM RuPay Classic Debit Card gives the cardholder instant access to his/her account whenever he/she wants to make a purchase or withdraw money from an ATM (Automated Teller Machine) in India. The debit card is activated for payment transactions at merchant outlets within 24 hours of the cardholder’s first cash withdrawal from any MoneyPlantTM ATM or NFS ATM.

  • Reach
  • The cardholder can enjoy great reach as his/her card is accepted at over 1,82,000 ATMs and more than 10,00,000 POS terminals in India.

  • Additional safety and enhanced insurance
  • The cardholder has an Accident Death or Permanent Disablement Insurance coverage of Rs.1 lakh. NPCI (National Payment Corporation of India) has entered into an arrangement with the New India Assurance Co. Ltd., to provide this facility.

  • 24 -hour emergency helpline
  • The cardholder can call the emergency helpline for card blocking or for any card assistance. This service is available around the clock.

Type of cardTransaction limit per day
RuPay Classic Debit Card

ATM withdrawal limit – Rs.25,000/-

POS limit – Rs.75,000/-

Features of RuPay International Platinum Debit Card

  • Flexibility of usage
  • MoneyPlantTM RuPay International Platinum Debit Card gives the cardholder instant access to his/her account whenever he/she wants to make a purchase or withdraw money from an ATM (Automated Teller Machine) in India or abroad.

  • Worldwide reach
  • The cardholder can enjoy worldwide reach as his/her card is accepted at over 1,90,000 ATMs in India and in more than 1.66 million “RuPay” & “Discover” enabled ATMs worldwide. The cardholder can also make purchases in more than 12 lakh POS terminals in India and 35.7 million RuPay & Discover enabled POS terminals worldwide.

  • Insurance coverage
  • The cardholder has a Personal Accident (PA) coverage of Rs.2 lakhs.

  • 24 -hour emergency helpline
  • The cardholder can call the emergency helpline for card blocking or for any card assistance. This service is available around the clock.

  • Lounge access
  • There is RuPay Platinum Domestic Airport Lounge Access program that provides access to the participating lounges two times per calendar quarter per card. The list of domestic airports is updated regularly.

  • Welcome offers
  • 1. Croma offer – There is a flat Rs.500/- off on a minimum purchase of Rs.2000 and above on the MoneyPlantTM RuPay International Platinum Debit Card.

    2. Apollo Pharmacy offer – There is a 10% off on medicines (except DPCO drugs) and a 5% off on FMCG products.

  • Charges
  • 1.For special eligibility customers, there is only an annual maintenance charge of Rs.200/- plus service tax from the second year

    2.For general customers there is an issuance charge of Rs.200/- plus service tax and an annual maintenance charge of Rs.200/- plus service tax from the second year

Type of cardTransaction limit per day
RuPay International Platinum Debit Card

ATM withdrawal limit – Rs.75,000/-

POS limit – Rs.2,00,000/-

Features of RuPay PMJDY Debit Card

  • Flexibility of usage
  • MoneyPlantTM RuPay PMJDY Debit Card gives the cardholder instant access to his/her account whenever he/she wants to make a purchase or withdraw money from an ATM (Automated Teller Machine) in India. The debit card is activated for payment transactions at merchant outlets within 24 hours of the cardholder’s first cash withdrawal from any MoneyPlantTM ATM or NFS ATM.

  • Reach
  • The cardholder can enjoy great reach as his/her card is accepted at over 1,86,000 ATMs and more than 10,00,000 POS terminals in India.

  • Additional safety and enhanced insurance
  • The cardholder has an Accident Death or Permanent Disablement Insurance coverage of Rs.1 lakh. NPCI (National Payment Corporation of India) has entered into an arrangement with the New India Assurance Co. Ltd., to provide this facility.

  • 24 - hour emergency helpline
  • The cardholder can call the emergency helpline for card blocking or for any card assistance. This service is available around the clock.

Type of cardTransaction limit per day
RuPay PMJDY Debit Card

ATM withdrawal limit – Rs.25,000/-

POS limit – Rs.75,000/-

Features of RuPay Kisan Debit Card

  • Flexibility of usage
  • MoneyPlant TM RuPay Kisan Debit Card gives the cardholder instant access to his/her account whenever he/she wants to make a purchase or withdraw money from an ATM (Automated Teller Machine) in India. The debit card is activated for payment transactions at merchant outlets within 24 hours of the cardholder’s first cash withdrawal from any MoneyPlant TM ATM or NFS ATM.

  • Reach
  • The cardholder can enjoy great reach as his/her card is accepted at over 1,86,000 ATMs and more than 10,00,000 POS terminals in India.

  • Additional safety and enhanced insurance
  • The cardholder has an Accident Death or Permanent Disablement Insurance coverage of Rs.1 lakh. NPCI (National Payment Corporation of India) has entered into an arrangement with the New India Assurance Co. Ltd., to provide this facility.

  • 24 -hour emergency helpline
  • The cardholder can call the emergency helpline for card blocking or for any card assistance. This service is available around the clock.

Type of cardTransaction limit per day
RuPay Kisan Debit Card

ATM withdrawal limit – Rs.25,000/-

POS limit – Rs.75,000/-

Features of MoneyPlantTM RuPay Mudhra Card

As per the guidelines of MUDRA (Micro Units Development and Refinance Agency Ltd), the MUDRA card is formulated to meet the working capital needs of the micro enterprises. The MUDRA card is a debit card on a RuPay payment platform that is issued to the micro entrepreneurs who have availed a working capital loan from the bank under Pradhan Mantri Mudra Yojana (PMMY). The limit fixed to the card is valid up to the due date of the over draft limit and it is valid for 5 years.

Features of Visa Gold Debit Card

  • Flexibility of usage
  • MoneyPlantTM Visa Gold Debit Card gives the cardholder instant access to his/her account whenever he/she wants to make a purchase or withdraw money from an ATM (Automated Teller Machine) in India. The debit card is activated for payment transactions at merchant outlets within 24 hours of the cardholder’s first cash withdrawal from any MoneyPlantTM ATM or NFS ATM.

  • Worldwide reach
  • The cardholder can enjoy worldwide reach as his/her card is accepted at over 1,82,000 ATMs and more than 10,00,000 POS terminals in India.

  • Zero lost card liability
  • The cardholder is insured for risk for loss due to fraudulent use of a lost, stolen or missing debit card. The customer needs to just inform the bank about the loss of the card by calling the 24 -hour customer service number.

  • 24 -hour emergency helpline
  • The cardholder can call the emergency helpline for card blocking or for any card assistance. This service is available around the clock.

    Type of cardTransaction limit per day
    Visa Gold Debit Card

    ATM withdrawal limit – Rs.60,000/-

    POS limit – Rs.1,50,000/-

    FAQs: Karnataka Bank Debit Cards

    (1) What is the transaction limit on Visa Gold Debit Card?

    There is a daily ATM withdrawal limit of Rs.60,000/- and a daily POS limit of Rs.1,50,000/- for the Visa Gold Debit Card.

    (2) What are the different debit cards offered by Karnataka Bank?

    There are eight debit cards that are offered by Karnataka Bank. They are Visa Classic Debit Card, Visa International Debit Card, RuPay Classic Debit Card, RuPay International Platinum Debit Card, RuPay PMJDY Debit Card, RuPay Kisan Debit Card, MoneyPlantTM RuPay Mudhra Card and Visa Gold Debit Card.

    (3) Who can get MoneyPlantTM RuPay Mudhra Card?

    It is a debit card on a RuPay payment platform that is issued to the micro entrepreneurs who have availed a working capital loan from the bank under Pradhan Mantri Mudra Yojana (PMMY).

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