Deutsche Bank Classic Debit Card

Your Debit Card is an EMV Chip Card (Europay, Mastercard and Visa, a global standard for inter-operation of integrated circuit cards) offering greater security when you transact. The microchip on the face of this card stores customer data in a secured manner, making it extremely difficult to copy. This advanced technology is more effective in preventing your card from being copied to produce counterfeit cards.

For better acceptability across merchants, the EMV Debit Cards will also contain a magnetic strip on the reverse of the card to ensure swipe transactions. However, we recommend that you use your EMV Chip Card only at merchant terminals with chip capability to avoid skimming frauds.

Deutsche Bank gives you the flexibility to decide the daily limit you want for transactions at ATMs and merchant establishments using your debit card. You have a choice of different daily limits in multiples of Rs 1,000  (maximum upto Rs. 1,50,000) from which you can select your preferred option at the time of opening your account.

As per *RBI mandate of Enhancing Security of Card Transactions, all new debit cards will be active only for Domestic ATM & Physical POS transactions. You can activate/set limits for the ecommerce, contactless and International** transactions by logging into Deutsche Bank Online Banking or MyBank India app or by visiting the nearest branch or by contacting your Relationship Manager.

* RBI/2019-20/142 DPSS.CO.PD No.1343/02.14.003/2019-20 Enhancing Security of Card Transactions.
** International usage is not permitted on debit cards linked to entity accounts, NRO accounts and resident Individual accounts without PAN.

Lost Card Insurance

Most banks cover you for fraudulent transactions that have been carried out on your card only after you report the loss to the Bank.

At Deutsche Bank AG, India (“Bank”), we understand that often you may not realize that your card is lost until you notice unauthorized transactions in your bank account. Which is why, we cover all the fraudulent transactions that may take place on your card for 30 days prior to reporting and 7 days post reporting the loss to the Bank.

You need to report the loss of your Deutsche Bank International Debit Card to Deutsche Bank by calling our 24/7 phone banking team on 1860 266 6660# in your city or visit your nearest branch counter immediately on such loss. Deutsche Bank will deactivate the card immediately to prevent misuse.

In case of misuse, you also need to send the following documents to us:

• FIR duly acknowledged by a police officer
• Letter giving details of the loss or disputed transactions
• Copy of Bank account statement highlighting the disputed transactions
• Duly filled in claim dispute form (available at any Deutsche Bank branches)

The liability per card shall be restricted to the maximum of Rs. 2.5 lakhs and you will be covered for all losses up to a maximum of 30 days prior to reporting the loss. On receipt of communication from you regarding your lost or stolen debit card along with the requisite documents, Deutsche Bank is authorised to conduct its own investigation in respect of such lost or stolen card. If such investigation reveals any direct or indirect involvement of the cardholder or cardholder's relatives or employees or colluding third parties, Deutsche Bank is authorised to take appropriate action against the cardholder in addition to refusing to give benefit of Total Protection to the cardholder. The findings of the Bank’s investigation shall be final and binding on the cardholder. Total Protection is subject to the terms and conditions of the applicable insurance policy.

The cardholder will get the benefit of this policy only if:

• The card account is in good standing
• There are not more than 2 unauthorised transactions on the debit card of the cardholder during the last 12 months, prior to reporting the loss of the debit card.
• The cardholder proves that he was not negligent in safeguarding the debit card and the claim is not fraudulent.
  

Free Acceptance at ATMs in India

Your Deutsche Bank International Gold and Classic Debit Card gives you acceptance* at 58,000 Visa ATMs, over 15,000 Cashnet ATMs and 1,00,000 NFS ATMs in India. You are eligible for maximum five## of free transactions in a month at all Non Deutsche Bank VISA ATM in the country.

Free Acceptance* at ATMs Abroad

Global ATM Alliance for the International Traveler:
Normally when you use your Debit Card abroad you have to pay an ATM access fee***.

Our Global ATM Alliance with leading international banks enables us to offer free*** ATM transactions abroad. As part of this alliance, you will not have to pay any cash withdrawal fees at over 50,000+ ATMs of the following banks in 40 countries:

• Deutsche Bank ATMs worldwide
• Bank of America in USA
• Scotia Bank in Canada, Chile, Mexico and Caribbean Islands
• BNP Paribas in France
• Barclays Bank in UK and Africa
• WestPac in Australia, New Zealand and South Pacific
  

Deutsche Bank Debit Card can be used only on Verified by Visa (VbV) websites for online purchases. VbV is protocol by Visa that lets you shop online securely with your Deutsche Bank Debit Card. VbV confirms your identity through a simple check process when you make online purchases with the Deutsche Bank Debit Card.

All your online Deutsche Bank Debit Card transactions will be verified using One-time password (OTP) which will be sent to your mobile number registered with the bank. Your OTP will be valid for 5 minutes.

Know more

The Debit Card can be used at the following locations:

* Global ATM Alliance:

• Deutsche Bank ATMs worldwide
• Bank of America in USA
• Nova Scotia Bank in Canada, Chilie, Mexico and Caribbean Islands
• BNP Paribas in France
• Barclay’s Bank in UK and Africa
• Westpac in Australia, New Zealand and South Pacific

To use your Debit Card at a Merchant Establishment:

Step 1: Look for the Visa, Visa Electron signs while shopping, dining or while on holiday.

Step 2: Buy whatever you want

Step 3: Make sure the cashier swipes the Card on the Electronic Terminal.

Step 4: Sign on the charge slip only after confirming the amount and details on the slip.

• There is no charge if the debit card is used at a Deutsche Bank ATM.
• There is no charge if the debit card is used at a retail outlet for purchases. However, for use at petrol pumps and railway stations, a surcharge of 2.5% of the purchase value shall be applicable as per industry standards. The surcharge of 2.5% on fuel purchases is waived for privileged Deutsche Bank Platinum and Gold Debit Cardholders*.
• For transactions at VISA / PLUS ATMs, the following charges apply:

* The maximum petrol surcharge waiver per Deutsche Bank Platinum and Gold Debit Card in a calendar month will be restricted to Rs. 250 and Rs.150 respectively.
In case customer has crossed the threshold of Rs.250 for platinum debit card and Rs.150 for gold debit card in a calendar month, his/her account will be debited for the differential amount in the same month or in the subsequent months at the discretion of the Deutsche Bank. In case sufficient balance is not available in the account to absorb the debit, in addition to the exercise of other rights of Deutsche Bank, a lien will be marked in the customer's account and the debit will be posted as and when balance is available.

** Please note that these charges are not applicable for transactions at the ATMs of Global Alliance partners. You can access your account FREE of cost at these ATMs.

^#You are eligible for a certain number of free cash withdrawal transactions per month on non DB Visa ATM. Please contact your branch manager for details.

The annual fee is Rs.100 for a Deutsche Bank International Classic Debit Card and Rs. 500 for a Deutsche Bank International Gold Debit Card.

You can link up to 4 accounts to your debit card.

The debit card will be valid for a period of six years from the date of issue.

Deutsche Bank gives you the flexibility to decide the daily limit you want for transactions at ATMs and merchant establishments using your debit card. You have a choice of different daily limits in multiples of Rs 1,000 (maximum upto Rs 1,50,000) from which you can select your preferred option at the time of opening your account.

As per *RBI mandate of Enhancing Security of Card Transactions, all new debit cards will be active only for Domestic ATM & Physical POS transactions. You can activate/set limits for the ecommerce, contactless and International** transactions by logging into Deutsche Bank Online Banking or MyBank India app or by visiting the nearest branch or by contacting your Relationship Manager.

* RBI/2019-20/142 DPSS.CO.PD No.1343/02.14.003/2019-20 Enhancing Security of Card Transactions. ** International usage is not permitted on debit cards linked to entity accounts, NRO accounts and resident Individual accounts without PAN Note: These limits are subject to availability of funds in the linked accounts and general terms and conditions for use of debit cards apply.

If you want to report the loss or theft of your debit card, please call our Phone Banking team at 1860 266 6601#

This number is the same across all cities in India. The Phone Banking number will be available 24 hours a day, 365 days a year.

The debit card will be deactivated as soon as you inform the Call Centre. This would prevent any misuse of the debit card.

#Customers outside India need to dial +91 22 6601 6601. Customers in Mumbai can also call at 6601 6601. Call charges apply.