Can't use debit card or credit card for online transactions if you don't do this
debit or credit card cannot be used for any online or offline transactions without first enabling the said option (card controls) in the bank's transaction control system through net banking, mobile app, or at the branch.
«These changes (card controls) were designed to enhance the security of card transactions and give users more control over how their cards are used. Under the new guidelines, card users can now choose whether to opt in or out of payment modes such as international transactions, online purchases, and contactless payments, set spending limits for different types of transactions, and decide whether they want to allow their cards to be used for domestic or international transactions,» says Sajish Pillai, MD & Head — Assets and Strategic Alliances, Consumer Banking Group, DBS Bank India.
How to activate a debit card or credit card for online usage
The card control mechanism is switched off by default whenever a new debit card or credit card is issued. This means that the said debit or credit card cannot be used anywhere online or offline without switching the transaction controls on. To enable the card control mechanism, one needs to go to their bank's mobile app/net banking/portal to enable the transaction limits mechanism.
"Card control mechanisms allow customers to enable or disable specific card functionalities, such as international transactions or online or contactless payments, through their banking app or online banking portal anytime or anywhere. This ensures that they have control over their card's usage," says Pillai.
In case an individual has forgotten to enable their card control mechanism before going out of state and cannot use the bank's net banking or mobile banking app due to any issues like
