INTRODUCTION

Our Bank issues VISA International ATM-cum-Debit Cards to customers. It is an electronic purse with high convenience features, which allows its holders to withdraw cash from all ATMs displaying VISA signage in India and abroad and INFINET logo in the country. The Debit Card also allows the holder to purchase goods from any of the Merchant Establishments (ME) having POS (point of sale) terminals with VISA ELECTRON logo.

How does a Debit Card differ from a Credit Card and a Smart Card?

A Debit Card debits the designated customer account online from the available balance just like the ATM Card.  There is no interest recovery in the case of a Debit Card.

A Credit Card allows interest free credit until next billing date and rollover of credit at high interest rates thereafter.

A Smart Card has a pre-loaded value which diminishes on usage and can be re-loaded.

Where can I use my Allahabad Bank DEBIT CARD?
The Allahabad Bank Debit Card can be used at the following locations:

• At all Allahabad Bank ATMs
• At ATMs of other banks in India and abroad displaying the VISA and INFINET logo with a maximum withdrawal of Rs.15000/- per day, and
• At all merchant establishments in India displaying the VISA Logo with a maximum transaction per day of Rs.25000/-.  All transactions on Allahabad Bank ATM network are free.

What will be charges if I withdraw cash from non-Allahabad Bank ATMs?

For Transactions in India:

• Balance enquiry is free
• Cash withdrawal from non-Allahabad Bank ATMs (NFS/VISA) entails a charge of Rs.20/- per transaction (all inclusive).

Please Note: With effect from 1st April 2009 Cash withdrawal will be free.

For transactions abroad:

• Rs. 34/- for balance enquiry
• Charges are Rs. 140/- per cash withdrawal.

Please Note: In case of failed transactions from VISA ATMs due to lack of sufficient balance in account, charges applicable will be payable.

What should I do if my card gets captured in the ATM Machine?

• Block the card immediately as per instructions mentioned below.
• Approach the card issuing branch for return of captured card (with required identity proof) or issue of new card as suitable.

Please Note: In case of Non- Allahabad Bank ATMs, block the card immediately and may apply for issue of new card.

What are the safety features?

The Debit Card is a PIN / Signature based card.  The PIN will be used at ATM and Signature will be used at POS locations.

How to use the Debit Cards at the shops (POS)?

The merchant swipes the card at the POS terminal. The merchant will require signature of the customer on the transaction slip which will be matched with the signature on the signature panel on reverse of the card.  The customer collects the transaction slip and the transaction is complete.

What are the transaction charges at POS terminals?
Transactions at POS terminals are free except in the case of Railway reservation counters and petrol pumps.
Charges:
Railway reservation - 2.5%
Petrol pumps – 2.5 % or minimum of Rs 10
Please Note: Balance enquiries from POS will not be possible and withdrawal of cash from POS is strictly prohibited by RBI

When will my Allahabad Bank Debit Card expire?

The Debit Card will be valid for 5 years. However, the card will be replaced in case of wear and tear.  The card will be destroyed and hot listed when the cardholder closes his account.

How to apply for Allahabad Bank ATM-cum-Debit Card?

• The application form is available at the branches or can be downloaded from Bank’s website, (i.e. www.allahabadbank.in).
• The filled in application along with photo (in case of photo card) should be handed over to the Branch where the customer is holding the account.
• The customer must read the Terms and Conditions at the back side of the Form. The detail VISA Term & Conditions will be sent along with the Card.
•  Issue of unsolicited cards is strictly prohibited by RBI.  Cards can only be issued to those customers of the Bank who apply for it.

How will the card and PIN Mailer be delivered?

The Card is directly sent to the customers while the PIN Mailer is dispatched to the concerned branches. The customer has to approach the Branch with the ATM card and identity proof for collecting the PIN mailer.

How are the RBI guidelines complied with?

In terms of extant RBI guidelines, a debit card can be used by the cardholder for any purpose for which foreign exchange can be purchased by him from an authorized dealer.  The responsibility of the issuer of the cards is limited to obtaining necessary declaration from the applicant that he should abide by all rules and regulations governing foreign exchange transactions made by him using the card.  The onus of ensuring compliance with these regulations lies with the cardholders.  The cardholders must give an undertaking that they will be abiding by FEMA guidelines. 

Who are eligible?

• All Savings Bank Account Holders
• All Current account holders having account with networked branches who are above 18 years of age holding the account in the sole name or jointly with the mode of operation. "Either or Survivor" or "Anyone or Survivor" are eligible to apply for International Card.

How to block the card in case of loss?

If the International Debit Card is lost or stolen and if the cardholder is in India, he should at once contact the toll-free help line (1800-220-363) or 022-30372079/080, to report loss of card for blocking.  If he is abroad he can contact the help-line through the telephone nos. provided in the booklet provided with the card. In the case of International Cards, the help-line will ask additional information about the Card holder viz. Father's first name, Mother's maiden name, Date of Birth, Year of passing Secondary School Examination and year of marriage, to ensure that the caller is the card holder and communicate to Switch Center for blocking of the card. The card holder should record information, furnished in the application format, so that he/she is able to block the card without any difficulty in case need arises. 

What are the Services abroad?

It is possible that the cardholder may face difficulty in using the card in some ATMs and POS in very rare cases.  In such circumstances, neither VISA nor Allahabad Bank can provide service abroad if ATM/POS fail to recognize a card.  Such a situation can arise mainly due to:

1. Disruption in connectivity by ATM/POS to the Switch.
2. Failure of ATM/POS to read the magnetic stripe on the card resulting in the non-recognition of the card due to software/hardware problems of the ATM/POS.

In the first case, the cardholder is advised to use the card after sometime and, in the second case to use the card at an alternate outlet accepting the card.

When will the ATM card be blocked?

The Bank will block a card under the following instances:-

1. Report of loss/theft of card by cardholder
2. Report of death of the account holder
3. Receipt of letter by one of the joint account holders changing the operative clause from E or S, Any one or survivor.
4. Receipt of attachment order from a competent court.
5. Receipt of attachment order from Revenue authority
6. Receipt of instructions from RBI for blocking of the card due to violation of Exchange Control regulations.
7. Closure of account.

How will the card be replaced?

The cardholder has to approach the using Branch for replacement of the card in case his card is lost or damaged or not working and submit necessary application for issue of duplicate card. The request for replacement of the card will be processed by the branch after blocking the existing card and collecting a sum of Rs.100/- towards the charges for the new card.

Linking of multiple accounts to a single card?

The cardholder is allowed to link 3 accounts to the card out of which one is Primary and the other two will be secondary. He/she can operate all the three accounts using the single card and also transfer funds between them.

What is the Personal Accident Cover?

All cardholders would be covered under Free Personal Accident Insurance for Rs. 1 lakh. In the unfortunate event of loss of life in a mishap, the card holder’s nominee will receive the benefit of accident insurance upto Rs. 1 lakh.

What are the contact details in case of any problem faced with card?

In case of any difficulty faced or assistance required you may seek the help of the issuing Branch or contact our ATM Switch Centre, Mumbai on toll free no. 1800-220-363 or ph. No. 022-303-72079/72080.