Eligibility

• You must have a savings or current account in the bank.
• Your account must be KYC updated (Aadhaar, PAN, ID + address proof).
• Minimum age: 18 years (some banks give minor cards from 10+ with parent’s permission).
• Residency: Both Indian residents and NRI/PIO customers are eligible. NRIs can apply for international cards linked to NRE/NRO accounts.
• For credit cards, you must have a stable income source and meet the bank’s income criteria.

Ways to Apply for a Chip-Based Card

1. Automatic Replacement by Bank

(If you have an old magnetic stripe card)

1. RBI instructed all banks to replace magnetic stripe cards with chip cards.
2. Your bank checks your account and automatically generates a new card.
3. The card is couriered to your registered address without your request.
4. You get an SMS alert with tracking details.
5. On delivery, activate and set PIN through ATM, NetBanking, or Mobile App.

2. Apply Through Internet Banking

1. Login to your bank’s NetBanking portal.
2. Go to e-Services / Card Services / ATM-Debit Card Services.
3. Select Request New Debit Card or Replace Debit Card.
4. Choose card type:
   • Domestic (only India)
   • International (for foreign usage)
   • Contactless (tap & pay)
5. Confirm your registered address.
6. Pay charges if applicable (₹100–₹300 for replacement).
7. Submit the request.
8. Bank dispatches card in 7–10 working days.

3. Apply Through Mobile Banking App

1. Login to your bank’s official Mobile App.
2. Tap on Services → Card Management → Request New Card.
3. Select debit/credit card type and features (domestic, international, contactless).
4. Confirm delivery address and submit.
5. You get SMS/email confirmation.
6. Card arrives by courier
7. Activate via ATM / App / NetBanking.
8. Card dispatched to registered address in 3–5 working days.

4. Apply at Bank Branch (Offline)

1. Visit your home branch with account passbook and ID proof.
2. Ask for the Debit Card Application Form.
3. Fill in details: Account number, Name, Address, Card type.
4. Attach self-attested ID proof (if asked).
5. Submit form to branch staff.
6. Bank verifies KYC and processes request.
7. Card dispatched to registered address (usually 7–10 days).
8. Collect welcome kit
9. Activate PIN at ATM or online.

5. Apply Through Customer Care / Phone Banking

1. Call your bank’s toll-free customer care number.
   

   Public Sector Banks

   Sr No.	Bank	Contact No.
   1	Bank of Baroda	18005700
   2	Bank of India	18001031906
   3	Bank of Maharashtra	18001022636
   4	Canara Bank	18001030
   5	Central Bank of India	18003030
   6	Indian Bank	18001700
   7	Indian Overseas Bank	18004254445
   8	Punjab and Sind Bank	18004198300
   9	Punjab National Bank (PNB)	18001800, 18001802222, 18001032222
   10	State Bank of India (SBI)	1800112211
   11	UCO Bank	18001030123
   12	Union Bank of India	18002082244

   Private Sector Banks 

   Sr No.	Bank	Contact No.
   1	Axis Bank	18002095577
   2	Bandhan Bank	18002588181
   3	City Union Bank	044-71225000
   4	DCB Bank	02268997777
   5	Dhanlaxmi Bank	18004251747, 044-42413000
   6	Federal Bank	18004251199, 18004201199
   7	HDFC Bank	18002600, 18001600
   8	ICICI Bank	18001080, 18002662
   9	IDBI Bank	18002094324
   10	IDFC First Bank	180010888
   11	IndusInd Bank	18602677777
   12	Jammu & Kashmir Bank	18008902122
   13	Karnataka Bank	18004251444
   14	Karur Vysya Bank	18602581916
   15	Kotak Mahindra Bank	18602662666
   16	Nainital Bank	18001804031
   17	RBL Bank	02261156300
   18	South Indian Bank	18004251809, 18001029408
   19	Tamilnad Mercantile Bank	18004250426
   20	Yes Bank	18001200

2. Authenticate with account details / PIN / OTP.
3. Ask for replacement/new chip card.
4. Customer care executive confirms address and submits request.
5. Card dispatched to registered address.
6. On receiving card, generate PIN via ATM/IVR/NetBanking.

6. Apply via ATM (Available in Some Banks)

1. Visit nearest ATM.
2. Insert your existing ATM/debit card.
3. Select Other Services → Card Services → Request New Card.
4. Enter mobile OTP to confirm.
5. Request gets registered → Card delivered to your address.
6. After receiving card, activate with new PIN at ATM.

7. Special Cases

NRI Customers

1. Apply via NRI Internet Banking or call NRI helpline.
2. Can also request through assigned Relationship Manager.
3. Card couriered to overseas address (or Indian address if allowed).

Jan Dhan Account Holders

1. Rupay EMV chip card usually issued at account opening.
2. If lost/damaged, apply at branch for replacement (free or nominal charges).

After Receiving Any Card

1. Open the welcome kit and check card details.
2. Generate PIN:
   • ATM: Insert card → Set/Change PIN → Enter OTP → Set 4-digit PIN.
   • NetBanking/Mobile App: Use Generate PIN option.
3. Do a test transaction (balance enquiry or small withdrawal).
4. Register for SMS/email alerts for safety.