UCO Bank

Debit Cards

bag We are delighted to welcome you to a world where convenience and security is a way of life with UCO Bank's Visa Debit Card. Now you no longer need to worry whether you are carrying enough cash, just use your UCO Visa Debit Card to enjoy the convenience of anywhere, anytime banking plus tension-free shopping, bill payments, dinning out, booking tickets online and transfer transactions at ATMs in India. After all, it's like carrying cash from your bank balance-without inconvenience or risk of carrying cash. 'Freedom from Cash' simply epitomizes all that UCO Bank VISA Debit Card stands for.

EMV-VisaDebitCardBank has introduced personalized Visa EMV Debit Cards (Chip Card) for providing superior services and convenience banking along with enhanced security features, anywhere, anytime to our valuable customers. The cards may be issued to customers who have visited outside India in last two years and also asking for ATM cards that suits overseas transactions. Please click on the text for further facilities and security features of EMV card.

Exclusive Features of the card

  1. Worldwide Acceptance: These cards can be used to pay directly for purchases or withdraw cash in India as well as internationally. This card is accepted at shopping locations.
  2. Online Usage: These cards can be used online to shop, pay bills, book movie or train tickets. This card is protected with the security of Verified by Visa, providing additional assurance of a password known only to customer for completing online purchase transactions. Customers have to register for Verified by Visa on www.ucobank.com and card can be used online immediately.
  3. Visa Offers: These cards come with a host of discount offers on dining, travelling, shopping and more. Visit www.visa-asia.com to know more about the on-going offers.

Security Facilities to the customers:

Chip is key in controlling/reducing counterfeit fraud: - EMV cards include a secure microprocessor chip that performs cryptographic processing during a payment transaction. In an EMV transaction, which includes dynamic data, the card is first authenticated, followed by verification of the cardholder. The transaction is then authorized online or offline, according to issuer-determined risk parameters.

EMV is a global interoperable standard for payments: - When cardholders travel internationally, with Visa chip cards, their purchase experience is simplified. Visa chip cards will also continue to carry a magnetic stripe, which means that your cardholders will be able to use their Visa chip cards wherever they are.

Following are the daily withdrawal limit of EMV card:

Daily ATM limit - Rs. 25, 000, Daily purchase limit - Rs. 50, 000 and Aggregate limit - Rs. 75,000.

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  1. Use your card for shopping at over 5 lakh outlets in India, and over 30 million worldwide
  2. Use your card securely for purchases and payments over the internet using Verified by Visa

Daily limits:

UCO Visa Gold/Platinum/Signature Card offers you higher daily limits on cash withdrawals and purchases and acceptance at more than 30 million locations worldwide and over one million ATMs in the Visa Global ATM Network.

To serve your enhanced lifestyle, we offer you a cash withdrawal limit and purchase limit as mentioned below. You can pay for purchases directly either at shopping locations or online.

TYPE OF CARD Per Day Cash Withdrawal Limit Per Day Limit in POS/ e-Commerce Transactions
Classic (visa) classic-visa Rs. 25,000 Rs. 50,000
Gold (visa) gold-visa Rs. 50,000 Rs. 50,000
Platinum (visa) platinum-visa Rs. 50,000 Rs. 1,00,000
Signature (visa) signature-visa Rs. 50,000 Rs. 2,00,000
EMV (visa) emv-visa Rs. 25,000 Rs. 50,000
Classic (RuPay) classic-rupay Rs. 25,000 Rs. 50,000
KCC (RuPay) kcc-rupay Rs. 25,000 Rs. 25,000
Pungrain (Arthia) (RuPay) pungrain-rupay Rs. 25,000 Rs. 50,000
PMJDY (RuPay) pmjdy-rupay Rs. 25,000 Rs. 50,000
Institute Card (RuPay) institute-rupay Rs. 25,000 Rs. 50,000
Minors - Cards issued to Minors will have limit of Rs. 3,000/- per day and Rs. 15,000/- per month.

While traveling internationally, the cash withdrawal limit and purchase limit is equivalent to INR value.

international-usageInternational Usage:

You can use your UCO Visa Debit Card whenever you travel abroad. You can pay directly for your purchases or withdraw cash at international ATMs. Your debit card is accepted at millions of shopping locations and ATMs across the world.

Usage of UCO Bank Debit Card should be strictly in accordance with the Exchange Control Regulations. The responsibility of adhering to FEMA / other Forex regulations/guidelines while using debit card globally is on the cardholder. Any violation of the above attracts action under FEMA guidelines at the instance of Reserve Bank of India or UCO Bank.

rupay-symbalOffers and Benefits:

UCO Visa Debit Cards comes with a host of offers and benefits on dining, shopping and more.

Online Usage:

UCO Visa Debit Card can be used online to pay bills, booking movie tickets or train tickets, planning your travel packages, online shopping etc. It is easy, convenient and safe to use your UCO Visa Debit Card online with Verified by Visa. Just visit www.ucobank.com and register for Verified by Visa and start using your card.

General Guidelines/Safety tips:

  1. Kindly read carefully the enclosed user's manual and instructions on the PIN mailer.
  2. After receiving your card, please sign immediately on the signature panel on the reverse of your card to prevent any misuse.
  3. You will be receiving your Personal Identification Number (PIN) from your branch. On receipt of your PIN, you need to complete one successful transaction at any UCO Bank ATM using your PIN to activate your card. (Upon receiving Debit Card, Please visit your card issuing branch and collect your PIN. At the same the branch would send card activation request which will be activated at the earliest.)
  4. Use your new card on an ATM immediately to change the system generated PIN to a new four digit number of your choice, memorize it and destroy the PIN mailer.
  5. Never use a PIN that could be easily guessed, e.g. your birthday or telephone number.
  6. Please keep the Personal Identification Number (PIN) secret and do not disclose the PIN to anybody including a family member or your banker. In case the PIN is divulged, please change your PIN immediately at any UCO Bank ATM.
  7. Giving your card and disclosing PIN to someone is like giving a blank signed cheque.
  8. Beware of "Shoulder surfing", i.e. shield your PIN from onlookers by using your body. Once you complete your transaction, check to be sure that you have your Card and your receipt, and then leave immediately.
  9. Never let anyone see you enter your PIN.
  10. Please do not allow any other person to enter the ATM room.
    When you are transacting on the ATM and similarly please wait outside the ATM room if anybody is already inside.
  11. Please keep a separate note of your card number and associated account number. These particulars will be necessary for blocking the card in case of loss of the card.
  12. Be alert. If you find signs of any external fittings or loose wiring, report to the nearest UCO Bank Branch and use another ATM.
  13. Always remember to update your email and mobile numbers with UCO BANK to get important updates & alerts.
  14. 24 x 7 UCO BANK helpline numbers: 1800-103-0123

Taking care of your card:

Your card is very important and must be kept safely.

  1. The card must not be kept near a TV.
  2. Store your Card in secure place where you will immediately know if it is missing.
  3. Store the ATM-cum-Debit Card carefully so that the magnetic stripe does not get damaged.
  4. Never leave your Card unattended, e.g. in your car, in a hotel room or at work.

Did you know...?

  1. You can get cash from an ATM anywhere and at anytime
  2. You can check your account balance on ATM.
  3. You can print last few transactions of your account through ATM.
  4. Card with PIN can be used for withdrawal of money from ATMs as well as payment of bills at shops, restaurants, Petrol pumps, etc., which display visa-thumb.
  5. Please note that the Bank bears no liability for the unauthorized use of the Card and the responsibility is fully of the Cardholder.

Welcome to the Gold/Platinum/Signature Life...

Experience a world of privileges, where you get to enjoy the best the world has to offer. Treat yourself to exclusive privileges and benefits offered on your UCO Visa Gold/Platinum/Signature Debit Card. Use your card for shopping at your favourite stores, for dining with friends and family and for everyday purchases. Experience the convenience of shopping online by using the UCO Bank Visa Gold/Platinum/Signature Visa Debit Card to book your travel, to pay bills and to buy movie tickets among others.

For more please visit http://www.visa.co.in/personal/cards/

Familiarizing yourself with your UCO Bank Debit Card

card-frontCard Visual Front:
  1. Cardholder's Photo
  2. Your Name
    Please ensure that your name appears correctly and
    advise your Branch for any correction if necessary.
  3. Card Number
  4. Your distinct 16 digit Card number.
  5. Valid Thru
    Last day of the month and year up to which your Card is valid.
card-backCard Visual Back:
  1. Magnetic Strip
    The magnetic strip, which contains encoded information.
  2. Signature Panel
    The signature panel on which you must sign as soon as
    you get your Card to safeguard against misuse.
  3. Emergency Helpline number : 1800-103-0123

Caring for your UCO VISA Debit Cards

  1. The black magnetic strip on the back of your UCO VISA Debit Card contains important information about your card and needs special handling. Do not keep your card in an area where there is continuous magnetic field such as on top of your TV set or near any electrical appliance.
  2. Avoid scratching the magnetic strip.
  3. Do not place two Cards with the magnetic strips together.
  4. Do not bend the Card.
  5. Keep your card away from heat and direct sunlight.

We hope you enjoy the experience.

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PROCESS OF DEBIT CARD HOTLISTING THROUGH SMS

Bank has introduced the facility of Debit Card hot-listing through SMS. Using this facility, a customer can hot-list Debit Card by sending SMS to 9230192301 through his/her registered Mobile No. Through this process, debit card will be hot-listed and a confirmatory SMS alert will be sent to the customer. In case the card is not hot-listed or services are not available at that point of time, then also SMS alert with proper information/guidance will go to the customer.

The following three options will be available for hot-listing of debit card:

Option SMS Format Example SMS to be sent on
1 HOT HOT 9230192301
2 HOT<space><last 4 digit of card no.> HOT 1234
3 HOT<space><14 digit account no.> HOT 12345678901234

The three options are explained as under:

Option 1: All cards attached with the mobile number will be hot-listed

In case customer does not remember the account no. or card no., then he/she has to send the SMS as shown below from registered mobile number:

HOT
and send to 9230192301

Based on the requesting mobile number, card/s linked to the mobile number. will be hot-listed.If mobile no. is available in multiple customer profiles, request will be declined and appropriate SMS alert will go to the customer.

Option 2: Only mentioned card number will be hot-listed

In this case customer has to send the SMS as shown below from his/her registered mobile number:

HOT<space><last 4 digits of card no.>
and send to 9230192301

The customer can check the last four digits of the card through the SMS alerts sent to them in past on making transactions through the card. If the last 4 digits of card no. matches with the card no. issued by the Bank, then card will be hot-listed.

Option 3: All cards linked to the primary account no. (i.e. in case of multiple accounts, the account that has been designated as the main account of operation from which purchase transactions, cash withdrawal charges and fees related charges will be debited) will be hot-listed

In this case customer has to send the SMS as shown below from his/her registered mobile number:

HOT<space><14 digits of account no.>
and send to 9230192301

If the mobile number registered with the Bank and the primary account no. belongs to the same customer, then card/s linked to the account no. will be hot-listed.

General Conditions:

It may be noted that, customer should consider the card as hot-listed, only after receiving confirmatory SMS alert from the Bank. Bank will neither entertain any claim nor be held liable for any loss suffered by the customer due to misuse of the card in the interim period.

In case of un-availability of above service or in case of urgency, customers are requested to contact Bank’s 24*7 customer care on 18001030123 or can send mail to uco.custcare@ucobank.co.in

Apart from above mentioned facility following facilities are also available from debit card hotlisting:

  1. To contact Bank’s customer care either by dialling toll free no. 18002740123 or by sending e-mail to uco.custcare@ucobank.co.in.
  2. To contact any of the UCO Bank branch and request for hot-listing of card.
  3. Through Mobile Banking facility (for those customers, who have availed the Mobile Banking facility using the Debit card).

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