What is RuPay Debit Card?
Rupay Debit Card is an indigenous domestic debit card introduced by National Payment Corporation of India (NPCI). This card is accepted at all ATMs (for cash withdrawal) and at most of the PoS machines (for making cashless payment for purchases) in the country.
How can I apply for a Fino Bank Debit Card?
You can apply for a Fino Bank Debit Card at the time of opening your account. In case, you have not applied for a Fino Bank Debit Card, you can visit the branch and request for a new debit card.
What is PIN Number?
Personal Identification Number (PIN) is a code for use of ATM Card at the time of withdrawal of money from ATM Machine and also at the time of making payment on PoS.
What is the procedure to replace a damaged debit card?
We request you to contact our customer care, where you can Hotlist your existing card immediately. You can visit the branch to replace your debit card.
What should be done if the debit card is misplaced?
In case of loss of debit card, you can call our customer care to immediately block your Debit Card. You can also raise a request for a new debit card which can be sent to your registered communication address. You can also visit nearest FINO Bank branch, and request for an Insta debit card which can be issued to you immediately at the branch.
Will I get any intimation for my debit card transactions?
Yes. You will receive SMS and Email alerts for all debit card transactions to your registered mobile number and email ID registered with the Bank. If you have not registered any of these 2, you can call FINO Bank customer care and update it.
What should I do if my debit card is not working?
If your card is not working, we request you to contact our customer care or visit nearest branch. The Fino Bank officer will assist you to identify the problem with the debit card.
How to use a debit card for retail transactions?
Step 1: The merchant swipes or dips your card at a Point of Sale (POS) terminal
Step 2: He enters the transaction amount on the POS terminal
Step 3: The POS machine will prompt for the debit card ATM PIN to be entered by you Please do not disclose your debit card ATM PIN to the merchant.
Step 4: Once you enter the correct PIN and sign the charge slip, the transaction is confirmed and completed, and transaction amount will get deducted from your Bank account
Step 5: Ensure that the debit card is returned to you
Is there any fee for using my Debit Card for retail or online transactions?
No. There is no fee for using your Debit Card at retail outlets or online websites. However, at certain merchant categories like Railways and Fuel, a fee may be levied by the merchant on every purchase
How do I set/change my Debit Card PIN?
You can set/change your Debit Card PIN using Fino Payments Bank Mobile Banking Application (BPay). To set or change your Debit card PIN, please follow the below steps:
Step 1: Login in your BPay application
Step 2: Select your account variant
Step 3: Click on ‘Your Card’ option
Step 4: Click on ‘Set Debit card PIN’ option
Step 5: Enter your Debit card CVV and expiry date of Card
Step 6: Set your Debit Card PIN
Step 7: Select the colour and image set at the time of registration for authentication
Step 8: On successful authentication, your PIN will be generated
Alternatively, you can also set your Debit card PIN by visiting your nearest Fino Payments Bank Branch.
I am not able to view the pin generation option in my app. What should I do?
Your BPay application may not have been updated. Kindly update the BPay app and check again. In case you are still facing any issues, please call us at our customer care number.
I do not remember the colour and image I had set during registration. What should I do?
Step 1: Go to Login Page click on Forgot MPIN.
Step 2: On next screen click on Forgot your Security Question.
Step 3: Answer the verification questions and set your colour and security image.
Are there any charges for generating Debit card PIN through BPay?
There are no charges for generating Debit card PIN through BPay.
What should one do if the card is sucked in by the ATM?
Please call at our contact center to report the issue
How to keep debit card operational?
To get benefit of Accidental Insurance Cover, RuPay Debit Card must be used at least once in 45 days.
What is special advantage of RuPay Debit Card?
It provides accidental insurance cover up to Rs. 2.00 lakhs without any charge to the customer.
If someone has two or more accounts and two or more RuPay Debit Cards, whether accidental insurance cover is available in each account / each card?
Accidental insurance cover is available only in one account
What is PoS Machine?
PoS stands for Point of Sale. PoS Machine is a small device installed at almost all Business Centres to facilitate cashless purchases to their customers.
How to keep your RuPay Card safe?
Beneficiary of RuPay Card is required to keep the Card in safe custody. PIN should be changed at frequent intervals and should never be shared with anyone. While using the card at ATM Machine or PoS, PIN should be entered in machine very secretly so that nobody could even guess about the PIN Number. As far as possible, Card should be used at authorized places / centres only. Besides, PIN number should never be written on the Card
How can one claim the insurance on debit card?
Please visit your nearest branch to claim the insurance. The claim intimation should be within 90 days from the date of accident. Please submit the supporting documents and the debit card details to claim the insurance.
What are the debit card limits that can be changed?
Two types of daily limits are there in every Debit card. They are : 1. Daily ATM Limit : - It is the limit of maximum value of Cash withdrawal that can be done through ATM on a single day.
2.POS / Ecommerce limit : - It is the sum of the maximum value of shopping transaction that can be done either at POS terminals or at ecommerce websites in a single day.
What are the present daily limits for my debit card?
For daily transaction limits on ATM withdrawal and POS/E-com transactions, please refer the schedule of charges.
Why should I change the daily limits?
The limits can be changed by customers as per their requirements and also to reduce chances for fraud.
What is the process for change of the daily limits for my Debit card?
Please follow below steps to change limits or Enable/Disable ATM/POS/ECommmerce
1. Login to Bpay – On main screen under Manage option go to “Your Card” – Click on “Debit Card Daily Limit”.
2.Enable/Disable your ATM/POS/Ecom functionality.
3. Drag scroller to change your limits for ATM/POS/ECom.
4.Click on Proceed, enter OTP & Submit.
Can I reset the daily limits again once I change it through Bpay?
Yes, any customer can reset the limits and the procedure is the same. However no one will be allowed to change the higher limits as set by the bank. Please refer the schedule of charges for further information on daily ATM withdrawal and POS/E-com limits.
Is it chargeable to change the daily limits for my Debit Card?
No, there are no charges for changing the daily limits for your debit card.
What is the minimum amount that can be set for my Debit Card limits?
The minimum amounts that can be set as the daily limits are Rs 100 for both the limits.
Frequently Asked Questions (FAQs) – General Purpose Reloadable Card
What is Fino Payments Bank Prepaid Card?
Fino Payments Bank Prepaid Card is a general purpose reloadable card, brought to you by Fino Payments Bank. The card give you access to your funds 24X7 and is supported by the RuPay platform. It can be used at all ATMs and merchant locations that accepts RuPay card.
What are the usages of prepaid cards?
The usage of prepaid cards depends on who is the issuer of such cards. Prepaid cards can be open or semi-closed in nature and can be used to withdraw cash from an ATM, purchase of goods and services at PoS terminals / e-commerce and for domestic funds transfer from one person to another, subject to prescribed limits and conditions. While open system prepaid cards are issued by banks, semi-closed system prepaid cards can be issued by bank and non-bank entities.
What is a PIN?
PIN or Personal Identification Number is a four digit secret number (known only to you) which will be required while withdrawing cash through ATMs and also for making purchase at merchant outlets.
What are the benefits of Fino Payments Bank Prepaid card?
Safe & Secure: The money is on FINO PAYMENTS BANK Prepaid Card which in turn is protected by way of a PIN which is known only to you. Hence, it is a safe and secure mode.
Accessible: The funds on the card shall be accessed 24X7 and will no longer be limited to the bank operating hours.
Convenient: The card can be used at ATMs, Merchant Outlets in India where RuPay card gets accepted. It can be used for e-com transaction as well.
What is the maximum value that can be loaded on these Cards?
The maximum load value of the card can be Rs.1, 00, 000 for a KYC customer. For an individual who has submitted minimum details (mobile number, OVD number, Self- declaration) only, the limit will be of Rs.10, 000.
How do I withdraw money from ATMs?
In case of ATMs, insert your card into the card slot. The machine will prompt you to enter your ATM PIN. Enter the PIN, select ‘Option - Cash Withdrawal’ and enter the value you want to withdraw.
Please collect the card and the cash before leaving the ATM premises. In case you enter an incorrect PIN, your cash withdrawal request will not be processed and the transaction would get declined.
What happens if my withdrawal amount is more than the balance amount?
If you attempt to withdraw the value which is higher than the actual balance available on the Card, the transaction will get declined.
Can I use the Fino Payments Bank Prepaid Card in countries other than India?
No. The Fino Payments Bank Prepaid Card will be loaded in INR and can be used only in India.
Sign on the signature panel at the reverse of the card as soon as you receive the card and keep your card safe.
Never write your PIN on your card. Memorize your PIN number and destroy the PIN mailer.
Block the view of keypad when using your PIN at merchant outlets or ATMs
Protect the magnetic stripe of the card.
Insist on the merchant swiping the card in front of you. Accompany the merchant if the swipe machine is placed elsewhere and ensure that the swipe transaction happens in your presence only.
Ensure that your contact details are always updated with the Bank
Do not handover the card or share your PIN with any person, including your close family members / friends. Do not keep the card and PIN together.
Do not allow anyone else to use your card or enter your PIN for you
Do not share or store your PIN on email, SMS or phone or write it on the reverse of the card.
Do not expose your card to magnetic devices.
Do not share any ATM or Prepaid card information over the phone. This includes your card expiry date, 3 digit CVV number (card verification value number) and PIN.
Frequently Asked Questions (FAQs) – Gift Card
What is Fino Payments Bank Gift Card?
The Fino Payments Bank Gift card is a prepaid, non-reloadable magnetic stripe based card on the RuPay platform.
Do I need to have a Fino Payments Bank account to purchase Fino Payments Bank Gift Card?
No. You don’t need to have an account with SIB to purchase SIB Gift Card.
Where can I use Fino Payments Bank Gift Card?
The Fino Payments Bank Gift Card is issued on the RuPay platform and can be used at merchant outlets across the country accepting RuPay Cards - including retail stores and online merchants.
Please note that Fino Payments Bank Gift card is usable in India only. International purchases and purchases from International sites are restricted.
How can the balance on the Card be used?
The only way to use the Available Balance on the Gift Card is by making a purchase with the Card. Every time you do this, the full amount of the purchase, including taxes and any other fees, gets deducted from the Available Balance.
Can I withdraw cash on my Fino Payments Bank Gift Card?
Fino Payments Bank Gift Cards cannot be used for cash withdrawals at ATMs.
Are there any limits to the amount that can be loaded on the SIB Gift Card?
The Fino Payments Bank Gift Card can be loaded with any amount starting from a minimum of Rs. 100/- and upto a maximum of Rs. 10,000/-.
Is the Fino Payments Bank Gift Card reloadable?
The Fino Payments Bank Gift Card is a non-reloadable card. It can be loaded only once at the time of issuance.
When does the Fino Payments Bank Gift Card expire?
The card is valid for a period of 1 year from the date of issue or the validity period is mentioned on the face of the card (Valid from/Valid Thru), whichever is earlier.
Kindly note that the Fino Payments Bank Gift Card is valid until the “valid thru” date shown on the Card or until the Available Balance on the Card has been exhausted, whichever is earlier.
How do I ensure the safety of my Fino Payments Bank Gift Card?
If the applicant uses the Card he needs to sign on the reverse of the Card on receipt of the Card to avoid its unauthorized use. If the applicant is gifting the Card to someone else, then the beneficiary of the Card needs to sign on the reverse of the Card on receipt of the Card to avoid its unauthorized use.
Are there any transactions for which I cannot use this card?
The card cannot be used to withdraw cash. You can use it at any merchant outlet that accepts RuPay cards or for online shopping.