[Must Read] Information regarding Indian Debit Cards.
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Thread: [Must Read] Information regarding Indian Debit Cards.

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    Default [Must Read] Information regarding Indian Debit Cards.

    In India, four types of Debit Cards are issued by banks - VISA, VISA Electron, MasterCard and Maestro.

    Here is the information which is always written on a Debit Card:

    1) Your name.
    2) Expiration month and year.
    3) 3 Digit CVV code which is again a number.

    The above three, alongwith your address are used to authorise your transaction. RBI thought this wasn't enough. In some European countries and India, you need to register your Visa and MasterCard Debit Card online in your bank's portal and create a "password" for it.

    For Visa, this password is called 'Verified by Visa.'
    For MasterCard, this password is called '3D SecureCode.'

    (I'll be using VbV and 3DSC to refer them.)

    RBI made it mandatory that all transactions to Indian merchants require to be authorised via VbV/3DSC. This means, to shop online on Indian stores, you need to get your card registered on VbV/3DSC.

    So, whenever you shop on an Indian website like Flipkart, eBay.in, PayTM et cetera.. after entering your card details (usually address as well), you're taken to your bank's authorisation gateway where you enter your VbV/3DSC. After entering the correct VbV/3DSC for your card, your transction is authorised and you are taken back to the merchant's page.

    In simple words, for transactions on Indian stores, there are two steps:

    1) Entering your card details on merchant's website....
    then being taken to another page for
    2) Authorisation via entering VbV/3DSC on your Bank's page.
    and then
    ====> Coming back to the merchant's website.

    Now it's time to talk about International merchants like Steam, Google Play Store, iTunes/Apple, Paypal et cetera. These are International stores, more specifically, American. This VbV/3DSC sh!t is only mandatory in India and some European countries. And sites like Steam, Play Store, iTunes, Paypal don't use VbV/3DSC.

    95% Indian Debit Cards WILL NOT work on the above stores. Why?

    Because when you enter your details on, let's say Steam... your bank keeps on requesting for VbV/3DSC behind the scenes. And Steam knows nothing about it. So, the transaction fails - because your bank does not approve it.

    But there is always a way out. Infact it's a very easy way.

    Here is what banks should do/Here is how it should be:

    1) On an Indian merchant, ask for VbV/3DSC to complete the transaction.
    2) On an International merchant, DON'T ask for VbV/3DSC to complete transaction.

    This is EXACTLY what happens for every Indian Credit Card. Indian Credit Cards work everywhere. Steam, iTunes, Paypal - everywhere. And also ask for VbV/3DSC on desi merchants.

    But Debit Cards don't work. Because banks don't have the correct implementation. (aside for few) So, basically - even if your lol Debit Card has "International" stamped on it, it only means it will work on foreign ATMs to withdraw money. Don't be happy that "it will work everywhere, even websites. IT IS INTERNATIONAL." It won't work unless your bank has its implentation sorted. May be they will work on some non-VbV/3DSC merchants but consider those as abberrations.

    Next, which all banks work. I can only whitelist Axis Bank. I've got Visa Debit Card from Axis Bank. It works everywhere - on Flipkart and Steam. No problems. Axis Bank has the right implementation. (Won't work on Google Play anymore since INR transactions have been implemented.)

    I've tried MasterCard Debit Card from Punjab National Bank and Visa Debit Card from SBI. Both refuse to work on non VbV/3DSC merchants - I only tried on Steam.

    ----------------------------------------------------------------------------------------------------------------------------

    What about Maestro Debit Card?

    Maestro is rubbish. It will be supported by very few online merchants. For Maestro Debit Cards, you need to authorise your payment by entering your ATM PIN number or sometimes 3D SecureCode.

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    Default [Must Read] Information regarding Indian Debit Cards.

    Debit Card Whitelist Table

    VISA

    Steam Google Play/Checkout
    iTunes Paypal Windows Phone Store
    Axis Bank Works Not working on Google Play since INR transactions. Google Checkout for other currencies works. Google Checkout is dead. Not working. Works as a funding source
    State Bank of India Does not work Does not work
    ICICI Worked for few Worked for few
    Canara Bank Does not work



    MasterCard

    Steam Google Play/Checkout
    iTunes Paypal Windows Phone Store
    Axis Bank Works Not working since INR transactions. Works Works as a funding source
    Punjab National Bank Does not work Does not work Does not work Does not work
    State Bank of India Does not work Works
    ING Vysya Works Works

    VISA Electron

    Steam Google Play/Checkout iTunes
    Bank of Baroda Works Does not work Works



    Maestro

    Rubbish. Won't work anywhere except few Indian merchants. Only good as an ATM card. That's it.
    Last edited by ico; 22-10-2014 at 09:40 PM. Reason: update.

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    Default Re: [Must Read] Information regarding Indian Debit Cards.

    Thanks a lot for creating this thread.. it was about time.. cleared lot of doubts.

    +1 for Axis.. no problem with Paypal or other international sites.
    HDFC - I could not add it to Paypal, but I could purchase through a international shops.
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    Default Re: [Must Read] Information regarding Indian Debit Cards.

    ^^Use Credit Card

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    Default Re: [Must Read] Information regarding Indian Debit Cards.

    Quote Originally Posted by Faun View Post
    ^^Use Credit Card
    yes.. I need to get one soon. also I need to create a good credit history.

    SBI Debit card is the worse I have.. I can use it only at ATM and POS terminals..
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    Default Re: [Must Read] Information regarding Indian Debit Cards.

    Quote Originally Posted by RCuber View Post
    SBI Debit card is the worse I have.. I can use it only at ATM and POS terminals..
    I bet it is Maestro.

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    Default Re: [Must Read] Information regarding Indian Debit Cards.

    Quote Originally Posted by ico View Post
    I bet it is Maestro.
    yes it is ..

    BTW.. My cards
    Axis - MasterCard works everywhere, itunes too.
    HDFC -Mastercard, worked on a international site, but not on paypal.
    SBI - Maestro - ATM and POS only.
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    Default Re: [Must Read] Information regarding Indian Debit Cards.

    Quote Originally Posted by ico View Post
    For Maestro Debit Cards, you need to authorise your payment by entering your ATM PIN number.
    Depends on the implementation of the payment gateway by the *site*. Like, paytm asks for only card no and 3DSC. Also, IRCTC is an exception for VBV or 3DSC.

    Quote Originally Posted by RCuber View Post
    SBI Debit card is the worse I have.. I can use it only at ATM and POS terminals..
    Still the safest of the lot.
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    Default Re: [Must Read] Information regarding Indian Debit Cards.

    well, when it can be assumed to be useless everywhere online, it has to be the safest. lol.

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    Default Re: [Must Read] Information regarding Indian Debit Cards.

    ^I meant when used "locally". I guess you know that Maestro cards can't be swiped without knowing the PIN, but not true for Visa/MasterCard. So, if your card drops out of your pocket, you know what to do.
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    Default Re: [Must Read] Information regarding Indian Debit Cards.

    Yes.. SBI Maestro is more secure in case of theft/lost card cases as the card cannot be used without the PIN.
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    Default Re: [Must Read] Information regarding Indian Debit Cards.

    Great job ico
    Impressive guide
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    Default Re: [Must Read] Information regarding Indian Debit Cards.

    @ico.. add Google Checkout to the table , axis works for that too..

    EDIT: Play store uses Google Checkout(also?), anyway just mention it.
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    Default Re: [Must Read] Information regarding Indian Debit Cards.

    ^ Play Store. Same thing. ^^

    But I'll rename.

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    Default Re: [Must Read] Information regarding Indian Debit Cards.

    cool Man!!
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    Default Re: [Must Read] Information regarding Indian Debit Cards.

    great job...
    BTW add hdfc bank also with the help of those who have it...
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    Default Re: [Must Read] Information regarding Indian Debit Cards.

    I can create a virtual visa credit card with internet banking of SBI which do not require VBV and 3DS.
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    Default Re: [Must Read] Information regarding Indian Debit Cards.

    Quote Originally Posted by Gauravs90 View Post
    I can create a virtual visa credit card with internet banking of SBI which do not require VBV and 3DS.
    +1 for VCC.. most banks are now providing this feature.

    Now I recall that my Axis Card "DID NOT" work for Origin and EA store,I used EntroPay gateway to create VCC and used it for my purchase.
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    Default Re: [Must Read] Information regarding Indian Debit Cards.

    Now my father has a sbi classic debit card which is from mastercard and not maestro. Can i use it for online shopping? Do i have to register for 3dsc ?

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    Default Re: [Must Read] Information regarding Indian Debit Cards.

    Nice info there man.
    Btw SBI debit card(VISA) does not work with PayPal. But there is service call VCC(Virtual Credit Card) by SBI, you only need to activate Net Banking and then active VCC. I think VCC will work with PayPal. I'll try and let you guys know.

    Maestro card isn't that crap btw, there are many extra services available with Maestro like chance to win extra tickets on bookmyshow and double the number of coupons on freecharge.

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    Default Re: [Must Read] Information regarding Indian Debit Cards.

    Quote Originally Posted by 6Diablo9 View Post
    Maestro card isn't that crap btw, there are many extra services available with Maestro like chance to win extra tickets on bookmyshow and double the number of coupons on freecharge.
    Well, I lost my ICICI debit card a few days back, and the bank issued me another but a "PLATINUM" written on it this time
    The extra benefits over "normal" debit card is that I can get 25% off on movie tickets on bookmyshow.com.
    But... to hell with it. It's limited. And so works only if you are among the first few to book :/

    Anyway, my appreciation to ico for finally writing this guide to aware noobs like us
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    Default Re: [Must Read] Information regarding Indian Debit Cards.

    the issue here about card not working where we require it to work , free goodies comes with every card
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    Default Re: [Must Read] Information regarding Indian Debit Cards.

    Nice thread.
    Small info-
    SBI add it's VCC work only if you have given your PAN number info at your SBI branch.
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    HDFC also has a VCC service....
    VCC's are more safer since you can decide the limit of your credit....

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    Default Re: [Must Read] Information regarding Indian Debit Cards.

    @ico

    add visa electron to it.It is equivalent to maestro so not very useful. Used generally with debit cards only.
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    Default Re: [Must Read] Information regarding Indian Debit Cards.

    Quote Originally Posted by saikiasunny View Post
    Now my father has a sbi classic debit card which is from mastercard and not maestro. Can i use it for online shopping? Do i have to register for 3dsc ?
    You can do online shopping from indian merchants by using almost any card. It also depends on which cards are supported by the site. And yeah, 3DSC is mandatory.
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    Default Re: [Must Read] Information regarding Indian Debit Cards.

    Quote Originally Posted by saikiasunny View Post
    Now my father has a sbi classic debit card which is from mastercard and not maestro. Can i use it for online shopping? Do i have to register for 3dsc ?
    when you will try to buy something online for the first time with that debit card, you'll be automatically transferred to your bank's portal for registering.

    Quote Originally Posted by ssk_the_gr8 View Post
    @ico

    add visa electron to it.It is equivalent to maestro so not very useful. Used generally with debit cards only.
    yes, Visa Electron like Maestro and requires PIN to authenticate at POS.

    But in comparison to Maestro, it is actually well supported by desi online merchants.

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    It seems that even Axis Bank cards tied with minor accounts(A/C for people below 18) work fine.
    Just made a $7 transaction with my minor card to test
    I thought purchase wont go through but it did
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    Default Re: [Must Read] Information regarding Indian Debit Cards.

    Great, now I know why I can't buy stuff off steam, btw will a citibank card work? planing to start an account with them, if not then Axis Bank I guess.
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    Default Re: [Must Read] Information regarding Indian Debit Cards.

    Quote Originally Posted by dan4u View Post
    Great, now I know why I can't buy stuff off steam,
    Which bank? and also tell whether it is Visa or MasterCard. I'll add to the list.

    Quote Originally Posted by dan4u View Post
    btw will a citibank card work?
    I doubt. Citibank usually gives you Maestro.

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