What is a VISA Debit Card? Overview,Benefits,FAQs and Features

Visa debit card gives you an access the funds available in your account. You can access the funds in your account from wherever you are, whenever you want. The amount is deducted from your balance as soon as you transact through your debit card. No interest is required to pay on debit card usage.

Features of VISA Debit Card

Accepted in over 200 countries across the world
Withdraw Cash from ATMs
Make purchase from merchant stores
Make online transactions
Transaction amount is limited to the balance in your bank account
Free from any credit
Can manage your transactions and bank account easily

Benefits of VISA Debit Card

Enhanced security through a 3Digit security code to verify your identity for Internet and phone purchases
Visa's Zero Liability Policy, which protects you from unauthorized charges when your Visa Debit card is lost or stolen and fraudulent activity occurs
User gets SMS alert on processing of the transaction
24 Hour VISA Concierge Service
24 Hour Visa Global Customer Assistance

Types of VISA Debit Card

(1) VISA Classic

VISA Classic debit card is a globally accepted debit card enabling you to make high value transactions, spend securely, insurance coverage, etc. In case of an emergency, block your Debit Card instantly.

(2) VISA Gold

VISA Gold debit card is designed by banks for their privileged account holders offering superior features and services. You can experience multiple special offers at dining, retail, travel, entertainment and lifestyle categories. You will also be eligible for travel assistance, insurance protection, legal assistance and a dedicated 24 Hour Customer Assistance Service.

(3) VISA Platinum

Premium category of Debit Card having higher per day limits. Member banks of National Financial Switch having more than 1,18,000+ ATMs in the country. Offers exclusive deals, privileges & discounts such as 24x7 Concierge Service, Airport Lounge Access, etc.

(4) VISA Signature

Visa Signature Debit Card is a debit card which is especially tailored to the needs of esteemed customers of the bank. It is a globally accepted card that is exclusively designed for the individual according to his/ her taste. It complements card holder's lifestyle by opening up whole new world of luxury and sophistication.

(5) VISA Infinite

VISA Infinite debit card is a world beyond your highest expectations. It can be said to be the ultimate in spending power, convenience, personal privileges and unparalleled service. Many privileges like complimentary lounge access at airports across India, discounts on buying movie tickets, many exclusive deals and offers you can enjoy with VISA Infinite.

How to Apply for VISA Debit Card?

You have to apply for VISA debit card from the bank where you have a saving account or current account.
You can apply for the VISA debit card offline by visiting the bank branch or online through internet banking or mobile banking
Since you already have your bank account with the bank, minimal documentation just for KYC compliance is required for issuing the card
VISA debit card is linked to your savings account or current account
VISA debit card can be used for carrying out the transactions up to the amounts available in your account