Features of the Debit Card
The following facilities are available at MCBL ATMs pertaining to the Debit Card Account which shall be offered at the sole discretion of the Bank at ATMs subject to change from time to time without prior notice.
- Withdrawal of cash by the Card holder from his Debit Card account up to a stipulated number of occasions and limit during the cycle of 24 hours, as may be prescribed by the Bank from time to time.
- Enquiry about the balance in the Debit Card account.
- Printing of Mini Statement of Account.
- Change of PIN.
- Card to Card Funds Transfer.
- Cheque Book Request
- Mobile Number Updation.
- Card less Cash Withdrawals
- Cash Deposit
- Generic Payments.
Others Features of the Debit Card
1.At MCBL Cash Dispensers and ATMs of other banks which are member of RuPay network, the following facilities shall be offered, which are subject to change from time to time without any prior notice:-
a-Withdrawal of cash by the Card holder from his card account up to a stipulated number of occasions and limit during the cycle of 24 hours, as may be prescribed, by the Bank from time to time.
b-Enquiry about the balance in the Debit Card accounts.
2.PIN is a secret four-digit/six-digit code number referred to as ATM-PIN which is assigned by the Bank to the Card holder. The Card holder will be required to enter the PIN to avail ATM/POS/E-com services using the Debit Card. Card holder should ensure that the PIN mailed by the Bank is received in a sealed envelope without any tampering.
3.The Card holder is advised to change the PIN immediately through the relevant menu option at Bank’s own ATM and he/she is also advised to keep the PIN changing at frequent intervals. If the Card holder forgets the PIN, he/she shall apply to the Bank for the re-generation of the PIN. The Bank shall send the new PIN directly to Card holders registered address with the Bank. New PIN may be issued at the sole discretion of the Bank, upon request in writing and payment of the requisite fee.
4.The Bank may from time to time, at its discretion, tie up with various agencies to offer various features on Debit Cards. All these features would be on best efforts basis only. The Bank does not guarantee or warrant the efficiency and usefulness of any of the products or services offered by any service providers/merchants/outlets/agencies. Dispute, if any, would have to be taken up with the merchant/agency, etc directly, without involving the Bank.
ATM Usage
1-The Debit Card is accepted at MCBL ATMs and NFS ATM network (Displaying RuPay logo).
2-Cash withdrawals and balance enquiry performed by the Card holder at RuPay ATMs will be subject to a fee and will be debited to the account at the time of such withdrawals and/or balance enquiry transactions. All transactions at non Bank of MCBL ATMs whether executed or failed are subjected to the charges as determined by the Bank from time to time.
3-The Bank will not be liable for any failure, due to technical problems or Force Majeure events, to provide any service or to perform any obligation there under.
4-Bank will not be liable for any consequential damage arising from or related to loss/use of the Debit Card and/or related PIN, howsoever caused.
Limit of Transactions
| S.No |
Cash Limit |
POS Limit |
| 1- |
Rs. 20,000/- |
Rs. 30,000/- |
| 2- |
Daily cash withdrawal limit at RuPay enabled ATMs using your RuPay Debit Card is Rs. 20,000/- for the cycle of 24 hours |
Per day limit for shopping is Rs. 30,000/- and Rs. 40,000/- for consecutive four days.(Your shopping limit is Rs. 40,000/- for four consecutive days.) |
Service Charges & Fees
| S.No |
Particulars of Charges |
MCBL Charges |
Debit Procedure |
| 1- |
Debit Card issue Charges / Registration Fee |
Free |
- |
| 2- |
Debit Card Annual Fee |
Rs.150/- per annum |
Annual Fee |
| 3- |
Charges for issuance of Duplicate PIN. ( However, in case the earlier PIN has not been used due to error in Printing, issue of Duplicate PIN shall be free) |
Rs.50/- |
Instant |
| 4- |
Charges for Issuance of Duplicate Debit Card/Replacement of Debit Card |
Rs.100/- |
Instant |
| 5- |
Card Surrender by Card Holder |
Rs.100/- |
Instant |
| 6- |
Addition Card or Add on Card (Add on card facility is applicable on to joint account having account operation as any one/Either or Survivor/Formal or Survivor |
Rs.100/- |
Instant |
| 7- |
Card Renewal Charges |
Nil |
- |
| 8- |
ATM Card Used in Metro cities like Mumbai, Delhi, Kolkata, Chennai, Bangluru, Hyderabad (Six Metro Cities) in Saving Bank |
| a- |
First 3 (Three) Transactions ( Including Financial & Non-financial Transaction in one month |
Free |
- |
| b- |
From 4 and onward |
For Financial Transactions Rs. 25/- and Non Financial Rs. 15/- |
Monthly |
| 9- |
ATM Card Used in Metro cities like Mumbai, Delhi, Kolkata, Chennai, Bangluru, Hyderabad (Six Metro Cities) in Current Account |
| a- |
First 3 (Three) Transactions ( Including Financial & Non-financial Transaction in one month |
Nil |
- |
| b- |
From 4th and onward |
For Financial Transactions Rs. 25/- and Non Financial Rs. 15/- |
Monthly |
| 10- |
Mark Up Charges for each POS transaction |
Up to 2000 |
Over 2000 |
Instant |
| a- |
At Petrol Pumps |
0.50 % |
0.75% |
Instant |
| a- |
At Railway Bookings |
RS 5/- |
RS 5/- |
Instant |
2.5% Surcharge for the fuel transactions you make at all petrol stations. Additional Rs.30/- per transaction at Railways
All above charges will be subject to Applicable Service Taxes.
24 Hours Customer Service Centre Contact Details
- Toll Free No.“1800220096” for any assistance on ATM and RuPay.
- For LOSS of Debit Card:- Card holder will send SMS with “LOST” keyword on Toll free number “9229223345”.
- For BLOCKING of Debit Card:- Card holder will send SMS with “BLOCK” keyword on Toll free number “9229223345”.
- Customer Support email-Id: ATMSupport@mahanagarbank.com
- Website :- www.mahanagarbank.com
Personal Identification Number (PIN)
It is a confidential PIN for use of Debit Card at ATMs and Point Of Sale (POS) terminals and for e-commerce*.
Debit Card Block through SMS
- Bank has provided mobile based facility to BLOCK the Debit Card in case you lose your Debit Card
- Card holder will send the SMS By using the “LOST” keyword on Toll free number “9229223345”from his registered mobile in case the Debit Card is lost.
- Card holder will send the SMS By using the “BLOCK” keyword on Toll free number “9229223345”from his registered mobile in case Card holder wants to stop transaction for specific period .
- On receiving such request from Card holder, Debit Card will be blocked/Hot marked and Bank will send confirmation SMS to the Debit Card holder on his registered mobile number.
RuPay Debit Card Validity Date
1.First MCBL will inform the Debit Card Holder by SMS to all existing Card holders to know the information regarding Expiry Date of RuPay Debit Card with the help of server data.
2.The Card holder will request MCBL Branch Manager with KYC compliance for availing card facility or to receive new Debit Card.
Merchant Establishment Usage
- The Debit Card is accepted at all electronic Point-of-Sale terminals at Merchant Establishments which displays RuPay logo.
- The Debit Card will be accepted only at Merchant Establishments that have EDC swipe terminals. Any usage of the Debit Card other than electronic use will be deemed unauthorized and the Card holder will be solely responsible for such transactions.
- The Card holder is required to enter his PIN to confirm the transaction and sign the charge slip and retain a copy of the same whenever the Debit Card is used at Merchant Establishments. Bank will not furnish copies of the charge slip. Any charge slip not personally signed by the Card holder but which can be proven/confirm, as being authorized by him will be deemed to be his liability.
- The Debit Card is accepted at any Merchant Establishments displaying RuPay logo. Bank will not accept any responsibility for any dealings the merchant may have with the Card holder, including but not limited to the supply of goods and services so availed or offered. If the Card holder has any complaint relating to any POS at Merchant Establishment, he should resolve the matter with Merchant Establishment and failure to do so will not relieve him from any obligation to the Bank.
- Bank accepts no responsibility for any charges over and above the value/cost of transactions levied by any Merchant Establishment and debited to Card holder account along with the transaction amount.
- In case of Debit Card linked to multiple accounts, transaction at Merchant Establishments will be effected only on the primary account. In case there are insufficient funds in the said account, the Bank will not honor the transactions even if the necessary funds are available cumulatively or severally in the other accounts linked to the Debit Card.
Limitation of Banks liabilities
1.The Bank shall not be liable to the customer or to any third party for any loss or damage suffered due to the following reasons.
- Any action carried on by the bank based upon the instructions of the customer by exercising due diligence and reasonable care.
- The Debit Card will be accepted only at Merchant Establishments that have EDC swipe terminals. Any usage of the Debit Card other than electronic use will be deemed unauthorized and the Card holder will be solely responsible for such transactions.
- Any action carried on by the bank in good faith based upon the transactions of the Card holder.
- Any unauthorized and illegal transactions occurring through the use of Bank account(s), which can be attributed to the fraudulent or negligent conduct of the customer.
- Intrusion or hacking into the computer system/Network or communication network of the bank.
- Failure to carry out any instruction of the customer due to insufficiency of balance in the customers Bank account(s).
- Failure of the customer to access the bank account due to any force majeure event or any technical problem or any other reason beyond the control of the bank.
- Failure of the Customer to keep confidential and secure PIN or any password, Key words or other identification marks given to the customer for operating of the bank account and/or Debit Card.
- Failure of the customer to inform the Bank regarding any changes in the customers personal information or account information or other material information.
- Under no circumstances shall the bank be liable for any damages, whatsoever whether such damages are direct, indirect, incidental, consequential and irrespective of whether any claim based on loss of revenue, investment, production, goodwill, profit interruption of business or any other loss of any character of whatsoever nature and whether sustained by the customer or any other third party.
- MCBL will receive the SMS from Card holder for STOP or BLOCK similarly MCBL will send the confirmation SMS to customer and from that movement only MCBL will be held responsible for transactions. If customer not received the confirmation SMS he will co-ordinate with ATM section through TOLL free number.
2.Transaction Fee for cash withdrawals/Balance enquiry wherever applicable will be debited to account on periodic basis.
3.Bank will not be responsible for any dispute arising between the Card holder and the Merchant Establishment after successful transaction like warranty, goods damage etc.
Statement and Records
1.The records of Debit Card transactions will be available on the account statement issued by the bank or account passbook which is to be got updated by the customer. It will be obligatory on the part of the customer to get his passbook updated from the branch where he is maintaining Debit Card account at least one's in a month. Any discrepancy in the statement or the transactions must be reported by the Card holder to the bank within 15 days from the settlement date.
2.The banks record of transactions processed by the use of the Debit Card shall be conclusive and binding for all purposes.
ATM cum Debit Cards - Precautions for Secure Card Transactions
- The Debit Card is not transferable and shall be used only by the Debit Card holder in India
- The Debit Card holder at all times ensure that the Debit Card is kept at a safe place and shall under no circumstances whatsoever allow the Debit Card to be used by any other individual. The Debit Card holder will sign on the reverse of the Debit Card in the signature panel immediately upon receipt of the Debit Card from the Bank.
- The Debit Card holder should register his mobile number with the Bank to receive transaction alerts of Debit & other transaction. Any change in the registered mobile number should be informed to the Bank to update Banks record.
- Change your PIN after first usage & periodically after that, remember the PIN.
- Never keep the PIN with the Debit Card. Never write it on the Debit Card. Best to memorize it.
- Hide keypad with one hand while keying in your PIN at ATM / POS terminals
- Do not let strangers come in to the ATM room while you are doing your transaction and do not take help of strangers at an ATM.
- Insist on swiping your Debit Card in your presence in hotels/shops/malls etc.
- Don't throw your transactions slip in ATM room.
- Don't transact if you observe any attachments or unusual devices connected to the ATM. Inform such cases to the Security Person available at ATM or call the Customer Support.
- Check your account statement periodically.
- If you lose your Debit Card, Hot list it immediately.
- Do not provide ATM card & PIN details to anyone, not even to the Bank / IBA / RBI / Govt. Agency. Bank or any other institution will never ask for this information.
- Register your Mobile number at the ATM / Branch to get SMS alerts for all transactions.
- Type of transactions offered on shared network ATMs may differ from those offered on the Banks own network. Bank reserve the right to change the types of transactions supported without any notice to the Customer.
Lost or Stolen Card
1.If the Debit Card is lost or stolen, the Card holder must report the loss to the Bank immediately for hot listing the Debit Card. Card holder can hotlist the Debit Card by sending SMS "LOST" from his registered mobile with the Bank to"9229223345". Though the lost or theft may be reported by means of the 24 hours Customer Service, at his own expenses, the Card holder must confirm the same in writing to the Bank as soon as possible. The Customer will receive Debit Card Block confirmation SMS on his registered mobile number. Then Customer should apply for the new Debit Card as per the Bank procedure for issuance of new Debit Card.
2.Once the Debit Card is reported lost or stolen and his subsequently found, same should be promptly cut in half and destroyed by the Debit Card holder under intimation to the Bank. The Debit Card holder is responsible for the security of the Debit Card and shall take all the step to keep the Debit Card safely.
3.If any transaction happens to Customer account after losing the Debit Card and before blocking the Debit Card (before receiving confirmation SMS from the Bank), in that case it will be the responsibility of the Card holder.
4.After the lost/theft is reported to the Bank followed by SMS confirmation, the Debit Card Holder is protected from any financial liability arising from any purchase transaction done on his Debit Card from the time Debit Card holder reports the loss to the Bank. It may please be noted that during the process of blocking the Debit Card NO SUCH COVERAGE will be available on the CASH withdrawals done through ATMs or POS as such transactions are governed by PIN, which is confidential to Debit Card Holder only.
5.The Debit Card Holder agrees to indemnify the Bank fully against any liability (Civil or criminal), loss, and not reported to the Bank or lost and misused before it is reported to the Bank.
The replacement Debit Card may be issued at the sole discretion of the Bank after receipt of written request and upon payment of requisite fees, provided the Debit Card Holder has complied with the terms and conditions in all respects.
HOW TO HOT MARK CARD SMS HOTC TO 9870888210
Currently, RuPay Debit Cards are active for Domestic POS (Point of Sale) transactions only.
For making payments through internet, RuPay Debit Cards service will be activated soon.
As per Bank’s policy, all the account holders are provided with RuPay Debit Card which is active on over 2 Lacs ATMs and most of the Domestic POS machines.
ATM Complaint
Customer's complaint on failed transactions to be resolved by bank within 7 working days from the date of receipt of complaint, failing which customer is entitled to compensation for any delay of Rs100 per day by the card issuing bank ( If complaint is lodged within 30 days of the transaction).