Dena Bank Emv Chip International Gold Debit Card Visa - Benefits, Charges and Eligibility

Dena Bank Emv Chip International Gold Debit Card Visa Overview

Dena EMV Chip International Gold Debit Card, which was launched on 29 th March,2008, can be used on Dena Bank & member Bank's ATMs and POS Terminals in India and abroad. It offers higher cash withdrawal limit on ATM and higher transactions limit on POS terminals.

Dena Bank Emv Chip International Gold Debit Card Visa Features

  • It is issued on VISA platform
  • It is valid in India and abroad
  • Name of the card holder is not printed on the face of Dena EMV International Gold Debit Card

Dena Bank Emv Chip International Gold Debit Card Visa Eligibility

All Current and Savings account holders are eligible. Existing customers can also upgrade the accounts to apply for this card.

Dena Bank Emv Chip International Gold Debit Card Visa Fees & Charges

  • The Card will be issued free of cost to primary and joint holders free of cost for the first year
  • Second Year Onwards Annual Fee: 500/- per year
  • Issuance of Add on Card: Rs. 500/-
  • Card Replacement charges (within India) : Rs. 150/-
  • ATM Cash withdrawal Charges while using Debit Cards internationally: Rs.150/-
  • Re-Generation of PINS : Rs. 75/-
  • Return of Card / PIN due to wrong address: Rs. 100/-
  • Usage of Card in spite of insufficient balance: Rs.22/-

Dena Bank Emv Chip International Gold Debit Card Visa Benefits

  • Cash Withdrawal from ATMs is Rs.50000/- per day & Merchant Establishments Transaction limit is Rs.150000/- per day
  • It is a secure card with a card verification value (CVV2)
  • Eligibility for VISA offers
  • It can be used for the purchase of goods on internet including e-ticketing
  • Fast and hassle-free cash withdrawal facility, instant balance enquiry at any ATMs
  • Instant generation of transaction mini statement
  • Fund transfer facility to third parties through internet banking

Dena Bank Emv Chip International Gold Debit Card Visa How to Apply

  1. Contact your Branch.
  2. If you don't have saving or Current Account, first open your account.
  3. Get the Debit Card Application form from the Branch, fill it up and submit it to your Branch.
  4. You will receive your Insta Debit Card & PIN (Personal Identification Number) at the time of submission of the application form.
  5. In case of named Debit Card, the card will be delivered to the customer's residential address. The PIN will have to be collected from the respective Branch.
  6. The customer has to activate the Insta Debit card after 24 hours from the receipt of the card by withdrawing cash from Dena Bank ATM.

Dena Bank Emv Chip International Gold Debit Card Visa Documents Required

  • Proof of Identity : Aadhaar Card/ PAN Card/ Passport Driving License/ Voter ID Card
  • Proof of Address : Aadhaar Card/ Driving License/ Ration Card/ Voter ID Card/ Passport
  • Passport sized photographs

What is EMV-Chip Based Debit Card?

EMV stands for Europay MasterCard and Visa, who developed this technology. EMV-chip based debit cards are the debit cards which have embedded microprocessor chip that stores and protects cardholders' information/ data. It uses enhanced security features to protect the important date of the card holders and discourages card's unauthorized usage.

EMV-chip based debit card generates fresh user data every time the user transacts. Therefore, it is impossible for hackers/ fraudsters to steal the information or copy the original data from any card. Further, EMV technology uses your debit card as well as PIN to complete any transaction.

What is a Contactless Debit Card?

Contactless debit card is a sensor embedded new age debit card that works on Near Field Communication (NFC) Technology using Radio Transmission to ascertain contact when the card is brought near a terminal. This enables the customers to make payments up to Rs.5,000 without swiping their cards & entering a PIN.

Benefits of a Contactless Card

  • Fast & Convenient
  • Safe & Secure
  • No chance of losing or misplacing it

The Reserve Bank of India (RBI) has asked all banks in the country to replace magnetic-strip debit/ credit cards with EMV-chip based cards by 31 December 2018 as magnetic cards are quite vulnerable to skimming. Banks have already replaced the existing magnetic strip debit/ credit cards with latest EMV chip cards. Banks will provide it free of cost.