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Visa Debit Card

Updated on April 8, 2024 , 27543 views

Visa debit cards are the most convenient cards to use, at least far better than carrying hard cash every time you step outside the home. An important aspect of Visa cards is that you can have instant access to your account, i.e., you can withdraw your money using this card anytime.

Visa Debit Card

These cards are widely used across the world and are accepted at millions of merchant portals. You can also make online transactions in a speedy manner. Visa debit cards are very useful to make direct payment for e-businesses and online retailers. Visa being one of the popular payment gateways directly connects the customer and merchant in one instance.

Besides everything, Visa is a secure payment network across the world so there arises no question of any fraudulent activity.

Types of Visa Debit Cards

1. Visa Classic Card

This card makes your dining and shopping experiences smooth irrespective to any location, as the card is accepted worldwide. You can access the card at more than 1.9 million ATMs across 200 countries.


  • Visa’s global customer assistance services give 24x7 services to its worldwide users for any inquiry or other assistance
  • There is a provision of emergency card replacement
  • There is also a provision for an emergency Cash Advance
  • One of the best features of Visa is the security and peace of mind that comes with the card

2. Visa Gold Card

Visa Gold Card makes your travel experience easy by giving travel assistance and cash disbursement services. You get all the benefits of high spendings and a revolving line of credit.

Visa Gold is accepted at millions of worldwide locations, including 1.9 million ATMs in the Visa Global ATM Network.


  • You get many offers at retail, dining, travel and entertainment around the world
  • Visa Gold Card gives you travel, medical and legal assistance
  • You also have access to visa’s global customer assistance services
  • The card gives you medical and legal referral assistance, plus toll-free access to Visa’s Global Customer Assistance Services 24x7

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3. Visa Platinum

Enjoy tons of rewards and privileges with this Visa Debit Card. As the card is accepted globally, you don’t have to worry about international transactions. The Visa Platinum card is accepted at millions of merchants worldwide. So, travel anywhere with ease.


  • You get access to visa’s global customer assistance services
  • If you have lost your card, then you get instant help to block your account, send a replacement card and provide emergency cash
  • You have benefit to discover hundreds of deals, discounts and privileges
  • Visa Platinum card is accepted over more than 1.9 million ATM centres

4. Visa Signature

Here you get the best rewards, deals and discounts! Visa Signature card lets you explore a Range of experiences specially curated for you.


  • The card gives global customer assistance. So, in case you have lost your Visa card, then your account is blocked immediately. Also Visa sends you a replacement card and also provides an emergency cash
  • Visa has a global ATM network which helps you to access your funds at over 1.9 million ATM locations worldwide
  • You also have instant access to visa’s global customer assistance services 24x7
  • This Visa card offers you hundreds of deals, discounts and privileges

5. Visa Infinite

Discover most exclusive deals and discounts on this card with complimentary lounge access at airports across India.


  • Visa Infinite cards are accepted at millions of merchants worldwide.
  • The card gives you multiple deals, discounts and offers on your transactions
  • You also have access to visa’s global customer assistance services 24x7
  • You can access your funds at over 1.9 million ATM centres all over the globe

Top Indian Banks Offering Visa Debit Card

1. Kotak Debit Cards

Kotak Bank is a leading bank of India and they offer many types of Visa debit cards. You can track day-to-day real-time expenses and pay your associates/partners conveniently. You can enjoy a wide range of deals and offers, at online and retail stores.

Some of Kotak Visa debit cards also give you privilege to access airport lounges. When it comes to withdrawals, you can access, unlimited cash withdrawals at any Kotak ATM. You get 24x7 Visa global customer assistance services for lost or stolen Card reporting, emergency card replacement or miscellaneous inquiries.

2. IndusInd Bank Debit Cards

IndusInd bank is one of the reputed financial institutions in India. It offers various benefits & rewards on travel, entertainment, dining, movies, etc. These cards are designed to complement your lifestyle and needs, combining maximum flexibility.

You can have value-added experience with IndusInd Visa debit cards.

3. IDBI Bank Debit Cards

There are many variants of Visa cards that IDBI bank offers, so it becomes easy for you to choose the best as per your needs and requirements. Visa has partnered with IDBI bank to bring 3 special cards -

  1. Women Debit Card
  2. Student debit card
  3. Kid’s Debit Card

This caters to the needs and requirements of all age groups.

You get many privileges across various segments like lifestyle, fine dining, travel, health and fitness. While travelling via flight, you can enjoy your free access to participating airport lounges.

The bank offers global customer assistance service, anytime, anywhere across the world.

4. Indian Overseas Bank Debit Cards

Indian Overseas Bank (IOB) is a major public sector bank in India. You can have a hassle-free transaction with these debit cards. Some Visa debit cards by the bank come with no issuance charges, while for some cards you need to pay issuance charges.

For financial and non-financial transactions, there are no charges. In the case of PIN generation, there are fees charged on these visa debit cards.

How to Apply for Visa Debit Card?

You can visit your own personal bank where you are having a Savings Account or current account. Request the officials for Visa Card on your account. Alternatively, you can apply for this card online by visiting the website of the bank. With minimum documents, you can issue this card.

Here is a list of documents commonly requested by the banks:

  • Proof of identity
  • Proof of residence
  • PAN Card
  • Form 16 (only if PAN card is not available)
  • 2 latest passport size photographs

Make sure that your bank doesn’t need any additional document with the above-mentioned documents


Visa debit cards are the most widely accepted and used cards. With Visa’s global customer assistance services, you can solve any query or doubt. Since, Visa has partnered with many banks in India, you can avail many benefits and have successful transactions worldwide.

All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.
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