Visa Debit Card

Visa offers a variety of debit cards with unique features and benefits across different categories. These cards are designed for varying individual needs and are offered based on your savings or current account type. Here are the types of Visa Debit Cards:

Visa Classic Debit Card: With this variant, you can withdraw cash from more than 1.9 million ATMs in over 200 countries. Besides this, you can also pay for your retail purchases as well as online transactions via this debit card. This is basically an ATM cum Debit Card that allows you to withdraw cash and pay for your transactions.

Visa Gold Debit Card: Visa Gold Debit Card offers a host of benefits, such as high spending line, cash withdrawal, travel assistance, medical & legal referral & assistance and 24×7 global customer assistance. Additionally, you can also avail exclusive offers on retail, dining, travel and entertainment categories.

Visa Platinum Debit Card: This is an upgraded version of the Gold Debit Card and offers privileges better than the Gold version. With this debit card, you will receive global customer assistance, exclusive discounts & offers along with 24×7 concierge services for various lifestyle activities, such as bookings & reservations, hotel recommendations and much more.

Visa Signature Debit Card: With this variant, you can avail concierge services along with exclusive rewards, discounts and offers. This card lets you withdraw cash at over 1.9 million ATM locations worldwide. Also, global customer assistance helps you block your card in case you lose your Visa card.

Visa Infinite Debit Card: This is one of the best debit cards offered by Visa. Apart from benefits offered on other variants, such as discounts, rewards, cash withdrawals, this card also offers complimentary lounge access to you. Moreover, you will also get 24×7 Visa Infinite concierge services.

Also read: Top Credit Cards in India

Visa Debit Cards are accepted at various PoS within or outside India. You can make purchases via your debit card and the amount will be deducted automatically from your linked savings or current account. Below mentioned are some of the major Visa Debit Card features:

Cash Withdrawal: You can easily withdraw cash across the country with a Visa Debit Card. It is a great alternative for cash. You can withdraw cash or pay for all the transactions just by swiping your card at the PoS machine.

Worldwide Acceptance: Visa Debit Cards are known for their acceptance across the globe. You can make purchases even outside the country, wherever Visa Debit Card is accepted. However, the bank will charge a nominal fee for overseas transactions. This fee varies from 1.5% to 3.5% of the withdrawn amount, based on your Visa Debit Card variant. Make sure to enable international transactions on your debit card to avail this facility.

Exclusive Privileges: You can also avail exclusive benefits and privileges, such as additional discounts, bonus reward points, early bookings, dining discounts and more as per your card issuer and the Visa Debit Card variant.

Online Purchases and Payments: Visa payment gateway is one of the most used and secure payment gateways. You can make online purchases via Visa Debit Card. Not only this, but you can also pay your utility bills, such as electricity, water, telephone and more via debit card.

Suggested read: Best Visa Credit Cards

The banks have tied up with Visa to offer debit cards against your bank account. The Visa Debit Card eligibility criteria varies from bank to bank. However, the basic eligibility criteria for the same is as follows:

• You must have a savings or current account with the respective bank to avail a debit card
• You must be an Indian citizen or NRI to apply for a debit card

Usually, the bank offers a debit card whenever you open a savings account. However, if you haven’t received a debit card when you opened your account, you can apply online as well as offline for a Visa Debit Card. Here is the process that you need to follow:

Visa Debit Card Apply Online

To apply for a debit card online, you need to visit the official website of the bank in which you have an account. After that, you can look for debit cards offered by the bank and apply for any one of them as per its eligibility. All you need to do is fill out an application form and submit it. The respective bank will verify your details and process your application. Generally, your debit card is received at the given address within 10-15 business days.

Visa Debit Card Apply Offline

You need to visit the nearest branch of the bank in which you have savings or current. You can contact the bank official and submit the duly filled application form to apply for a debit card. After that, similar to the online process, the bank will verify your details and dispatch your debit card. You will receive the debit card within 10-15 business days at the address given by you in the application form.

With a Visa Debit Card, you can make online as well as offline transactions just by entering the details or swiping it. But you should remember that your debit card is offered against your savings or current account and the transacted amount will be deducted from your bank account. You can read the below-mentioned details to understand the process of Visa Debit Card:

Offline Transactions: It is quite simple to make an offline transaction using your Visa Debit Card. All you need to do is swipe your card at the PoS terminal and an OTP will be sent to your registered number. You need to enter the OTP to process the transaction and the money will be deducted from your account. You will also receive a text on your registered mobile number regarding the transaction.

Online Transactions: To use your Visa Debit Card online, you need to enter the card details at the merchant’s site, including, card number, your name, expiry date and CVV. After that, you are required to enter the OTP received on your registered mobile number. After a successful transaction, you will receive a text from your card issuer regarding your transaction.

Also read: How to Withdraw Cash Using a Credit Card?

If you are planning to apply for a debit card, you can click on the below links to check top Visa Debit Cards offered by the respective card issuer:

Q. How can I apply for a Visa Debit Card?

A. Visa is a payment network and it offers cards in partnership with several banks, including HDFC, Axis, SBI, ICICI and more. You can contact the bank in which you have a savings/ current account to avail a debit card. It is a must to have an account with the bank to apply for a debit card.

Q. How does a Visa Debit Card work?

A. With a Visa Debit Card, you can make online as well as offline transactions. To use your debit card for online transactions, you need to enter the card details, including card number, CVV, expiry date and name to process the transaction. Whereas, for offline transactions, you can swipe your card at the PoS machine. However, you need to enter the OTP sent on your registered mobile number for both transactions.

Q. What is the fee charged for Visa Debit Card?

A. Visa Debit Cards are offered by multiple banks, therefore, the fee charged for the card varies from bank to bank. Also, the fee depends on the variant of the card you are applying for. For instance, Visa Infinite variant will incur higher charges as compared to the Classic variant. Overall, the fee depends on the privileges you are getting as per your card variant and card issuer.

Q. Can I convert my Visa Debit Card purchases into EMIs?

A. Yes, you can convert your Visa Debit Card purchases into EMIs. However, the terms and conditions to avail this facility varies as per the bank. To avail this facility at the time of purchase, you can check if the merchant offers an EMI option on your respective bank’s debit card. Besides this, you can also contact your bank’s customer care to convert your selected purchase into EMI.

Q. How can I track the status of my Visa Debit Card?

A. To check your Visa Debit Card application status, you can visit the official website of the bank through which you have applied. Additionally, you can also call the customer care of the bank and ask the executive about your application status. Generally, the bank informs you about your application status through texts on your registered mobile number.

Q. Why should I apply for Visa Debit Card?

A. You can apply or a Visa Debit Card if you frequently make online as well as offline transactions but don’t want to carry cash. Debit cards are a great alternative for cash. Also, just like credit cards, you can avail discounts and rewards on your transactions via debit cards.