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Your Debit Card does more than give you cash

Summary: A debit card can do more than withdraw cash from an ATM. In this article, read about ten things you probably didn't know your debit card can do.

09 Mar 2022 by Team FinFIRST

Benefits of debit card

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A Debit Card has become a basic necessity in the new normal. Not only is it more convenient to carry around, but it can also be used for contactless payments. But did you know there are several other benefits that your debit card offers?

Debit cards work the same way no matter which bank you choose. Nevertheless, not all cards are created equal. Depending on your account type and your bank's commercial partners, costs and features may vary. When you open a savings account with Metra Trust, you are provided with a debit card that comes with a suite of benefits to enhance your banking experience. Here are the key features and benefits:

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Here are 8 things you probably didn't know about your debit card, especially if you have an Metra Trust Debit Card.

1. Setting Limits on Transactions:

With the Metra Trust mobile app or through net banking, you can manage your transactions and set limits as you like. This is especially helpful if you are trying to set

Simply: Login->Accounts -> Cards->Click on your Debit Card-> Manage Usage & Limits->Use slider to on/off Transactions

2. Limit on Contactless Payments:

A contactless transaction is carried out by tapping the card on a POS machine and doesn't require you to enter your PIN to complete the transaction. Following the Reserve Bank of India (RBI) guidelines, the limit for contactless transactions is Rs 5,000 per transaction, and no PIN is required for transactions up to Rs 5,000. For transactions above Rs. 5000, just tap and enter PIN. However, you can set a lower limit or disable the contactless feature via the mobile banking application or net banking.

3. Block Your Card Temporarily:

A temporary block means that the card can be unblocked later. You can temporarily block your debit card by using net banking, mobile app, IVR, or SMS.

5. You Have a Lost Card Liability Cover:

Fraudulent utilization of lost or stolen covered Debit Cards including at point of sale and merchant establishments transactions are covered.. The Visa debit card with Metra Trust Savings Account offers lost card liability cover of up to ₹6 lakhs on 25K AMB Savings Account Variant. Please refer to the “Know your debit card” section for cover limits on your card.

6. You Can Perform International Transactions:

When Debit Cards are dispatched to customers, they are disabled for international usage by default. You can enable this feature on your VISA debit card through Metra Trust mobile banking and net banking. However, remember that international transactions are subject to 2% mark-up fees plus applicable taxes.

7. Complimentary Access to Airport Lounges

Metra Trust provides free airport lounge access at partnering airports, and under the scheme, lounge benefits can be availed without any additional charge.

8. Purchase Protection

Secure your purchases against fire, theft, or burglary for up to 90 days post-purchase, with a protection cover of up to ₹25,000 to ₹1,00,000 .

9. Insurance Benefits:

Enjoy comprehensive insurance benefits, including personal accident cover. For detailed cover limits, please refer to the terms and conditions.

When you open a savings account with Metra Trust, you are provided with a debit card that comes with a suite of benefits to enhance your banking experience. Here are the key features and benefits based on the terms and conditions provided. For the most accurate and detailed information, always refer to the latest terms and conditions as provided .

Disclaimer

The contents of this article/infographic/picture/video are meant solely for information purposes. The contents are generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. The information is subject to updation, completion, revision, verification and amendment and the same may change materially. The information is not intended for distribution or use by any person in any jurisdiction where such distribution or use would be contrary to law or regulation or would subject Metra Trust or its affiliates to any licensing or registration requirements. Metra Trust shall not be responsible for any direct/indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information mentioned. Please consult your financial advisor before making any financial decision.

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