[Must Read] Information regarding Indian Debit Cards.

RCuber

RCuber

The Mighty Unkel!!!
Staff member
Geek-With-Lens said:
Still even if debit cards are stolen without the OTP/ATM Pin what they could do in India?
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sorry didn't see your comment. card skimming doesn't require OTP. but the pin can be picked up by the skimming machine. skimming machine looks exactly the same,the perp will swipe the card and ask you to enter the pin, it will fail and then use a legit machine to complete your transaction. there was a post in reddit where a fake cab guy was skimming credit card in New York City.
 
truegenius

truegenius

UNPREDICTABLE
Geek-With-Lens said:
Hey guys, It is recommended that you limit the amount can be spent from your International Debit Cards for International Transaction as we do not enjoy safety like OTP there. Anyone with the details can misuse it if they want.
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I also think that otp is good for security
and think that if transaction can happen without otp then our card is almost useless, just take a pic of it and done
and if we enter details of our card (where otp isn't used) then it is like we are providing them blank signed check book, because there is no pre-confirmation of any transaction thus security goes out of roof, is it really like this ?
 
D

Deleted member 118788

Guest
RCuber said:
sorry didn't see your comment. card skimming doesn't require OTP. but the pin can be picked up by the skimming machine. skimming machine looks exactly the same,the perp will swipe the card and ask you to enter the pin, it will fail and then use a legit machine to complete your transaction. there was a post in reddit where a fake cab guy was skimming credit card in New York City.
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Yes, we can't do anything for that except being more caution. I was talking about the fraud done via International Transactions.

truegenius said:
I also think that otp is good for security
and think that if transaction can happen without otp then our card is almost useless, just take a pic of it and done
and if we enter details of our card (where otp isn't used) then it is like we are providing them blank signed check book, because there is no pre-confirmation of any transaction thus security goes out of roof, is it really like this ?
Click to expand...

Yes, it is totally like this. On International sites like Steam, Paypal, etc we just enter the details and payment is done without PIN/OTP. I don't think there is any issue with this big merchants but I don't trust much on the smaller merchants. Another thing if our pc is keylogged still the hacker can't do much in India as he will still need OTP to do transaction but he can do international frauds.
 
RCuber

RCuber

The Mighty Unkel!!!
Staff member
Can confirm on HDFC DEbit card with Chip. works on steam, origin, paypal, and numerous other international websites . finally I dont have to but a credit card to buy stuff :D
 
$hadow

$hadow

Geek in making
RCuber said:
Can confirm on HDFC DEbit card with Chip. works on steam, origin, paypal, and numerous other international websites . finally I dont have to but a credit card to buy stuff :D
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I can vouch for Itunes and googleplay. I use BOB DC with chip.
 
Cyberghost

Cyberghost

Federal Agent Area 51
Staff member
SBI partners with PayPal to enable debit card payments online
Tried my SBI Visa DC on paypal but failed :(
 
mikael_schiffer

mikael_schiffer

Padawan
Hi guys, i want to get an AXIS DEBIT CARD for
1) STEAM
2) GOOGLE PLAY STORE
3) If possible , Paypal

Please recommend me a simply debit card.. i dont want high transaction privilege or mileage point blah blah feature

Debit Card: Apply for Debit/ATM Cards Online - Axis Bank, India

Please select the type of card from the link above.

I am kinda interested in the Debit Card where we can put our own face XD

Preferably an account with low deposit.. ICICI requires RS10,000 minimum balance.. I dont have that much money :(
 
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whitestar_999

Super Moderator
Staff member
10000 is standard for any major pvt bank.i doubt axis bank will have a much lower requirement.why not go for icici zero balance savings account(don't go for pockets account)?
Zero Balance Saving Account | Zero Balance Account - ICICI Bank Basic Savings Account India
 
mikael_schiffer

mikael_schiffer

Padawan
No Frills Account | Zero Balance Savings Account | Best Online Savings Account - Azaadi Account at Axis Bank

AXIS has similar feature too, they call it AZADI ACCOUNT


Anyways, will these accounts let me use Steam,GooglePlay Store etc?
I see some comments saying you need CHIP in the debit card. Can i get a debit card with CHIP for foreign transactions with this AZAADI (Axis) or ZERO BALANCE ACCOUNTS (ICICI)

- - - Updated - - -

BTW

I dont have PAN card.. what to do?
 
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whitestar_999

Super Moderator
Staff member
i don't know about axis bank but it seems that for icici any visa debit card should work everywhere.without pan card one needs to fill & submit form 60 in which you tick the option of not being assessed for tax.in any case icici is a better bet as sometimes even axis bank card stopped working at some sites in the past but never read anything similar about icici cards.
 
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PRKstg

Right off the assembly line
[MENTION=26711]ico[/MENTION], I'm trying to reach out to you regarding this post. Your PM box is full, please clear some messages and PM me.
 
P

PRKstg

Right off the assembly line
Sign this petition to change the RBI rule.

Petition · Remove 2 Factor Authentication for Indian Credit/Debit Cards for All Transactions in India · Change.org
 
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