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Syndicate Bank Debit Cards

People are increasingly feeling the need to move from hard cash to plastic money. Plastic money comes with a whole lot of facilities that enable easy shopping, bill payments and more. Plastic money is thus easier, more convenient and easily accessible, irrespective of where you are.

Syndicate Bank debit cards allow you to access your money wherever you are. Therefore, if you are looking for ease of payment, a Syndicate Bank debit card is what you need. It enables you to carry out transactions in any currency while being able to pay in Indian rupees. This convenient, accessible form of an E-wallet is not just valid in India but abroad too.

Types of Syndicate Bank Debit Cards

Syndicate Bank offers different debit cards for different needs -

  • The RuPay/ VISA/ Maestro Classic Debit Card :
  • For these cards, the ATM withdrawal limit is Rs. 25,000. The daily limit for POS transactions and e-commerce transactions is also Rs. 25,000. With a MasterCard, you can shop for groceries online, buy jewellery from the finest stores and even shop for a wide range of electronic products.

  • VISA Gold :
  • The daily withdrawal limits for this card varies. For ATM transactions, customers can withdraw any amount up to Rs. 25,000. However, daily e-commerce transactions can go up to Rs. 75,000 as well as POS transactions. These are personalized cards, which come at an annual fee of Rs. 100.

  • RuPay Platinum :
  • This debit card packs the best benefits. Not only can you enjoy an ATM withdrawal limit that goes as high as Rs. 50,000 but your e-commerce and POS transactions far exceed that at a whopping Rs. 1,25,000. Just like the VISA Gold and Classic, the Rupay Platinum debit card is a personalised card.

  • VISA EMV Global Debit Card :
  • Fitted with many benefits, this personalized debit card packs a good deal. To avail of this card, you need to visit the link available on the Syndicate Bank’s website and generate a Verified by Visa password that can be used to authenticate your card. Then enter the card number, expiration date and fill in the OTP that will be sent to your contact number. Thereafter create another password, which will remain as your password for future transactions.

  • Syndicate Bank PMJDY and Bhamashah Debit Cards :
  • Another two in the long list of debit cards that customers can avail of. The Bhamashah debit card, however, is only available for people residing in the state of Rajasthan.

Features of Syndicate Bank Debit Cards

Some of the common features of the Syndicate Bank debit cards are:

  • Ease of Access :
  • All the RuPay debit cards offered by Syndicate Bank can be used at any ATM and merchant establishment across the country. You can now enjoy shopping, dining, and travelling, without the hassle of having to carry cash with you. The best part is that you can withdraw money from any Syndicate Bank ATM, NFS/ MasterCard or Visa ATM in India and abroad. This debit card is extremely simple to use.

  • Safety :
  • The transactions that happen through these cards are sanctioned by an OTP that is sent to the registered mobile number to ensure that the transaction is being made by the right person.

  • Numerous Benefits :
  • The Syndicate Bank debit card comes with a host of Benefitsts such as cash-backs, discounts, fuel rebates, and shopping rewards.

How secure is the Syndicate Bank Debit Card?

Syndicate Bank debit cards are extremely safe to use. They are protected by a PIN (Personal Identification Number) and OTP (One Time Password) verification. Syndicate Bank also offers EMV (Euro, MasterCard, Visa) debit cards that come with an embedded chip, which is one more level of verification making the card even more secure. In addition, you will receive an alert on your mobile phone for every transaction made using your debit card, so, in the event you have not made any transaction but still receive an alert; you can contact the bank authorities immediately to block further use of your debit card until the issue is resolved. Therefore, as long as you do not share your PIN, OTP, and password with anyone, your account remains secure.

What are the benefits of having a Syndicate Bank Debit Card?

Having a Syndicate Bank debit card is beneficial in many ways –

  • You can have access to cash at any time.
  • You can make purchases of high amounts without having to carry excess cash.
  • No matter what part of the country you may be, you will never be short of cash
  • Syndicate Bank debit cards are backed by security at multiple levels including MasterCard ecureCode & VbV. You can also choose verification by OTP in addition to your PIN.

How to apply for a Syndicate Bank Debit Card?

If you have a savings or current account – whether individual or joint – with Syndicate Bank, then you are eligible to apply for a Syndicate Bank debit card. Getting a Syndicate Bank debit card is not very difficult. All you have to do is visit the bank website, and download the application form and you will receive your non-personalized debit card within a few days.

If you do not have an account with Syndicate Bank or wish to have a personalized debit card, you may have to wait longer for KYC and printing to be completed.

FAQs: Syndicate Bank Debit Cards

(1) How can I apply for a Syndicate Bank debit card?

To apply for Syndicate Bank debit cards, all you need to do is head on over to the Syndicate Bank website and fill up the application form there. However, if you prefer heading into a branch and doing the process, that option is also available.

(2) Who can apply for a Syndicate Bank debit card?

If you have an account with any of the branches of Syndicate Bank, then you are eligible to have a debit card. If you do not have an account with the bank, you will have to set up an account, in order to apply for the debit card.

(3) What are the different charges on Syndicate Bank debit cards?

Apart from the charges to obtain a new card, which do not exceed Rs. 250, customers may have to pay some other charges. Withdrawing money at ATMs other than those of Syndicate Bank will result in a charge of Rs. 20 per transaction. Balance enquiries and other non-financial taxations in ATMs apart from Syndicate Bank attract a charge of Rs. 10.

(4) Is the Syndicate Bank debit card safe?

Yes. Syndicate Bank debit cards have multiple levels of security and as such are extremely safe as long as you do not share personal information such as PIN and OTP with others.

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