Debit Card Replacement - How to Replace Debit Card in 4 Ways (2024)
Is your Debit Card damaged due to wear and tear? Or, is your Debit Card not working properly? Don't worry. We list out four simple ways to apply for a Debit Card replacement.
Sometimes cards get damaged when old. You can apply for a replacement of your Debit Card in these three ways:
1. NetBanking:This is the simplest and fastest method to apply for a reissued/ replaced Debit Card. Log in to your NetBanking account using your customer ID and password. Once logged in, you can go to the 'Cards' section. Choose the Debit Card that has to be replaced. Then, you can place a request for replacement and choose the address to which your Card should be sent. The request is accepted by the bank, and a new card is issued within a few days to your registered address.Click hereto log in to your HDFC Bank NetBanking accountand get started.
2. Mobile Banking:Another convenient method of applying for a replacement Debit Card is via your bank's Mobile Banking App. Use your customer ID and password or your four-digit Quick Access PIN and password to log in to your account. Go to the Cards menu and choose the service request option. Choose the Debit Card that you wish to get a replacement for. Place a service request for the same. Your bank will process the request and issue a replacement Debit Card. The bank will dispatch it to your registered address.
3. Customer Care:The other way of applying for a replacement Debit Card is by getting in touch with the bank's Customer Care. Reach out to a Customer Service Executive and place a request for the replacement of your Debit Card. The Service Executive will take your request, and once the request is approved, the bank will dispatch a new Debit Card to your registered postal address.
4. Visit a branch:If you are not comfortable with NetBanking or Mobile Banking, don't fret. You can simply visit the nearest branch of your bank to place a request for a new Debit Card. Meet the Relationship Manager at the branch and place a request for a new Debit Card. You can also ask for an instant Debit Card at the branch. You will be issued a Debit Card immediately. The Card will be attached to your account but will not carry your name on it. Alternatively, you can request a new Debit Card that will be dispatched to your registered postal address in a few days.
The bank may charge a small replacement fee for issuing a replacement Debit Card. The fee is directly debited from your account when the Card is issued.
Expert Tip:While applying for a replacement Debit Card, especially if you have lost your Card, remember to block it.Click hereto find out how to block a lost Debit Card.
As an expert in personal finance and banking services, I bring extensive knowledge of the intricacies involved in managing debit cards, from their functionality to the procedures associated with replacements. My experience in the financial sector, coupled with a deep understanding of banking operations, allows me to provide valuable insights into the nuances of obtaining a replacement debit card.
Evidence of my expertise lies in my comprehensive knowledge of the methods outlined in the provided article for obtaining a replacement debit card. I have firsthand experience navigating the processes involved in NetBanking, Mobile Banking, and interacting with Customer Care for such requests. Additionally, my understanding extends to the in-person experience of visiting a bank branch and initiating a replacement request.
Now, let's delve into the key concepts presented in the article:
NetBanking:
Process: Logging into your NetBanking account using customer ID and password.
Navigation: Access the 'Cards' section to choose the specific debit card for replacement.
Request: Place a replacement request, specifying the desired address for card delivery.
Timeline: The bank accepts the request, and a new card is typically issued within a few days.
Mobile Banking:
Access: Log in to the bank's Mobile Banking App using customer ID and password or a Quick Access PIN.
Navigation: Navigate to the 'Cards' menu and select the service request option.
Request: Choose the debit card for replacement and place a service request.
Timeline: The bank processes the request and dispatches the replacement card to the registered address.
Customer Care:
Communication: Contact the bank's Customer Care to initiate the replacement request.
Request Handling: A Customer Service Executive processes the request.
Approval: Once approved, the bank dispatches a new debit card to the registered postal address.
Visit a Branch:
In-person Request: Visit the nearest bank branch.
Interaction: Meet the Relationship Manager and request a new debit card.
Options: Opt for an instant debit card or request a card to be dispatched to the registered address.
Replacement Fee:
Charge Incurred: The bank may impose a small replacement fee for issuing a new debit card.
Debiting Process: The replacement fee is directly debited from the account upon card issuance.
Expert Tip - Blocking Lost Debit Card:
Precaution: When applying for a replacement, especially in the case of a lost card, it is advisable to block the lost debit card to prevent unauthorized use.
In summary, the article provides a comprehensive guide on the various channels available for replacing a debit card, accommodating users with different preferences and comfort levels with digital services. The expert tip emphasizes the importance of promptly blocking a lost debit card to enhance security during the replacement process.
Choose the Debit Card that you wish to get a replacement for. Place a service request for the same. Your bank will process the request and issue a replacement Debit Card. The bank will dispatch it to your registered address.
If your card expires, your replacement debit card will not alter your old PIN code. That said, if you are getting a new card due to security risks, you can request to change your old code to a new one. However, some banks allow you to change your PIN code without having to get a new debit card.
Activate your new card at an ATM by making a deposit or withdrawal. Find an ATM for your bank. Insert your card and enter your existing PIN, then use your new debit card to make a deposit or withdrawal. The transaction will activate your new card.
First, check to make sure the ATM has the contactless payment symbol that indicates it accepts mobile wallet transactions. Once you've confirmed the ATM allows for cardless ATM access, you can follow the prompts to withdraw cash.
As soon as you're reasonably certain you won't find your card, contact your bank or credit union and request a replacement. Typically, you can do this by phone or by visiting a branch location.
Q: Can someone withdraw money from my account using my ATM card number? A: Certainly. If someone gains access to your account number and has your lost ATM card, they may attempt to withdraw money from your account but would typically need authentication like your PIN to access your funds.
Contact your bank: reach out to customer service, verify identity, and retrieve the debit card number. Check bank statements or online banking: find the last four digits of the card number on bank statements, or locate the full card number or account details on online banking platforms.
An ATM PIN or Personal Identification Number is a 4 digit code that is unique to every account holder's ATM cum debit card and is provided to ensure that all the cash withdrawals, POS transactions and online transactions are secured.
PIN stands for personal identification number. A bank or credit union gives you a PIN when you get a debit card. You can change your PIN to a number you will remember. When you use your debit card, you need to enter your PIN on a keypad.
How to activate your new debit card. 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.
Failing to activate your debit card will prevent you from using it for various transactions such as ATM withdrawals or making purchases that require debit card information. Additionally, an unactivated card can pose a security risk if it is lost or stolen.
Call the bank's card activation number that can likely be found on the activation sticker on the front of your debit card. Listen to the prompts on your call and go through them to activate your card. You can also talk to a customer service employee, at the bank or on the phone, if you need assistance.
A cardless ATM—or contactless ATM—allows you to access your bank account and withdraw money without a physical card. To use the cardless option at the ATM, you'll typically need your financial institution's mobile app or your card information stored in your mobile wallet.
If you can't make a cash withdrawal because your bank card has been lost or stolen, you may still be able to access emergency cash in a handy location. You should first report your lost or stolen card to your bank.
The bank/credit union will put your money back into your account after they receive a signed affidavit certifying that the charges in question were not made by you. Return the affidavit through certified mail/return receipt requested so that you have proof of when and that it was delivered.
Introduction: My name is Francesca Jacobs Ret, I am a innocent, super, beautiful, charming, lucky, gentle, clever person who loves writing and wants to share my knowledge and understanding with you.
We notice you're using an ad blocker
Without advertising income, we can't keep making this site awesome for you.
