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Barclays Debit Card
In recent times, most individuals are more comfortable with the use of plastic money over actual cash in hand. The hassles of keeping cash in hand, standing in long ATM lines, waiting at payment queues for bills and the risk of robbery are all avoided with the use of a debit card. A debit card is like a credit card as it allows an individual to make secure and easy purchases online and in person. But unlike a credit card, a debit card draws money directly from one’s savings or current account. So, it is not credit but it is one’s own money that is utilized, and this helps an individual spend within his/her budget and not overspend. Only the available balance can be spent for transactions and ATM withdrawals. In addition to all this, a debit card has many more features such as cashbacks, discounts, partner tie-ups, airport lounge access, reward points and so on.
Barclays offers a Classic Chip Debit Card to their customers and this has some great features.
Features of Classic Chip Debit Card
Barclays chip-based International Debit Card is a contemporary form of banking. The Barclays chip-based Visa debit card comes with enhanced security features making the customer’s transactions safe and hassle free.
- Higher security
- Worldwide access
- High limits
- Convenient shopping worldwide and locally
- Anytime, anywhere assistance
- Lost card liability insurance
The chip that is located on the face of this card stores one’s card data in a more secure manner. This makes transactions more safe and secure for the customer.
The cardholder can access the bank account at over 80,000 Visa/Visa Plus ATMs in India and over a million ATMs across the globe.
Up to Rs.50,000 can be withdrawn by the cardholder per day from ATMs. You can also enjoy a purchase limit of up to Rs.50,000 per day.
The cardholder can shop at more than 3,25,000 outlets in India and 13 million establishments worldwide. The amount that is spent by the cardholder is directly debited from his/her account in rupees no matter what currency is spent when shopping overseas.
The cardholder can avail comprehensive Visa Global Customer Assistance Service (GCAS) whenever he/she travels overseas. This privilege assistance service is provided by Visa. This can be used for lost or stolen card reporting, emergency cash assistance or miscellaneous information that may be needed when travelling abroad.
The Classic Chip Debit Card comes with a reassuring cover of up to Rs.50,000 against misuse/fraud in the case of a lost card.
| Type of card | Transaction limit per day |
|---|---|
| Classic Chip Debit Card | Withdrawal limit – Rs.50,000/- Purchase limit – Rs.50,000/- |
Tips on how to efficiently use the Classic Chip Debit Card
- The cardholder should sign on the signature panel on the debit card as soon as he/she receives the same.
- The magnetic strip must be protected from direct sunlight, magnets and scratches as it has important information about the card.
- PIN should be entered by the individual and should not be disclosed to other people.
- A photocopy of the front and the back of the card must be kept with the cardholder.
- ATM PIN should be kept secret.
- If the card is lost or stolen, the cardholder must inform the Barclays Bank by calling the helpline number.
- The cardholder must always check if the debit card returned after a transaction is his/her and has not been changed.
- The cardholder should keep all the charge slips safely in order to tally them against the billing statement.
- If the cardholder wants the debit card to be reissued or terminated, a request should be sent to the Barclays Bank branch in writing.
- The cardholder must register his/her mobile number with the bank to get transactional SMS alerts.
FAQs: Barclays Classic Chip Debit Card
(1) What is the transaction limit on the Classic Chip Debit Card?
Up to Rs.50,000 can be withdrawn by the cardholder per day from ATMs. He/she can also enjoy a purchase limit of up to Rs.50,000 per day with the Classic Chip Debit Card.
(2) What is a CVV number?
Card Verification Value (CVV) for Visa and Mastercard are used for online transactions. It is the final 3 digits of the number printed on the signature behind the debit card.
(3) Is the Classic Chip Debit Card secure?
Yes, there is a chip that is located on the face of this card and it stores one’s data in a more secure manner. This makes transactions more safe and secure for the customer.
(4) Is there a lost card liability insurance?
Yes, the Classic Debit Card comes with a reassuring cover of up to Rs.50,000 against misuse/fraud in the case of a lost card.
(5) How do I terminate my debit card?
If the cardholder wants the debit card to be terminated, a request should be sent to the Barclays Bank branch in which one has an account in writing.
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