Debit Cards

Enjoy the convenience of cashless shopping with the Domestic Gold Debit Card and earn gold rewards on your purchase.

Chip Technology

Your Debit Card is an EMV Chip Card (Europay, Mastercard and Visa, a global standard for inter-operation of integrated circuit cards) offering greater security when you transact. The microchip on the face of this card stores customer data in a secured manner, making it extremely difficult to copy. This advanced technology is more effective in preventing your card from being copied to produce counterfeit cards.

For better acceptability across merchants, the EMV Debit Cards will also contain a magnetic strip on the reverse of the card to ensure swipe transactions. However, we recommend that you use your EMV Chip Card only at merchant terminals with chip capability to avoid skimming frauds.

Acceptance in India and Abroad

Acceptance at ATMs in India

Your Domestic Gold Debit Card gives you acceptance* at 58,000 Visa ATMs, over 15,000 Cashnet ATMs & 1,00,000 NFS ATMs in India. You are eligible for maximum Five## free transactions in a month at Non Deutsche Bank Visa ATM in the country.

Total Protection

Personal accident cover:

Most banks cover you for fraudulent transactions that have been carried out on your card only after you report the loss to the Bank.

At Deutsche Bank AG, India (“Bank”), we understand that often you may not realize that your card is lost until you notice unauthorized transactions in your bank account. Which is why, we cover all the fraudulent transactions that may take place on your card for 30 days prior to reporting and 7 days post reporting the loss to the Bank.

You need to report the loss of your Deutsche Bank International Debit Card to Deutsche Bank by calling our 24/7 phone banking team on 1860 266 6660# in your city or visit your nearest branch counter immediately on such loss. Deutsche Bank will deactivate the card immediately to prevent misuse.

In case of misuse, you also need to send the following documents to us:

  • FIR duly acknowledged by a police officer
  • Letter giving details of the loss or disputed transactions
  • Copy of Bank account statement highlighting the disputed transactions
  • Duly filled in claim dispute form (available at any Deutsche Bank branches)

The liability per card shall be restricted to the maximum of Rs. 2.5 lakhs and you will be covered for all losses up to a maximum of 30 days prior to reporting the loss. On receipt of communication from you regarding your lost or stolen debit card along with the requisite documents, Deutsche Bank is authorised to conduct its own investigation in respect of such lost or stolen card. If such investigation reveals any direct or indirect involvement of the cardholder or cardholder's relatives or employees or colluding third parties, Deutsche Bank is authorised to take appropriate action against the cardholder in addition to refusing to give benefit of Total Protection to the cardholder. The findings of the Bank’s investigation shall be final and binding on the cardholder. Total Protection is subject to the terms and conditions of the applicable insurance policy.

The cardholder will get the benefit of this policy only if:

  • The card account is in good standing
  • There are not more than 2 unauthorised transactions on the debit card of the cardholder during the last 12 months, prior to reporting the loss of the debit card.
  • The cardholder proves that he was not negligent in safeguarding the debit card and the claim is not fraudulent.

Flexible Limits

Deutsche Bank AG, India gives you the flexibility to decide the daily limit you want for transactions at ATMs and merchant establishments using your Gold or Classic Debit Card. You have a choice of four different daily limits (Rs. 25,000, Rs. 50,000, Rs. 1,00,000 and Rs. 1,50,000) from which you can select your preferred option at the time of opening your account.

Verified By Visa

Deutsche Bank Debit Card can be used only on Verified by Visa (VbV) websites for online purchases. VbV is protocol by Visa that lets you shop online securely with your Deutsche Bank Debit Card. VbV confirms your identity through a simple check process when you make online purchases with the Deutsche Bank Debit Card.

All your online Deutsche Bank Debit Card transactions will be verified using One-time password (OTP) which will be sent to your mobile number registered with the bank. Your OTP will be valid for 5 minutes.

Know more

Croma Offer

Croma Offer
Shop at any exclusive Croma store across India and get Rs. 500 off* on a minimum purchase of Rs. 2,500 and above on your Deutsche Bank Visa Debit Card.

Express Rewards

Earn 0.5 express rewards* for every Rs. 100 you spend on your card. 

You can earn maximum of 250 express rewards in a calendar month. You can redeem your reward points for a credit to your account by calling Deutsche Bank Customer Service on 1860 266 6601#. You need to accumulate a minimum of 250 points before redemption.

Fuel Surcharge Waiver

Normally, if you use your debit card to purchase fuel, you will be levied a surcharge of 2.5% on the transaction amount. However, if you are a Domestic Gold Debit Card customer, this charge will be waived* at all petrol pumps across the country.

*Reward Points - Terms and Conditions


Your Domestic Gold Debit Card comes to you at a joining fee of Rs. 500 only*. Please contact your nearest Deutsche Bank AG, India branch for further details and charges applicable on your account.

* Annual charges may apply. Please refer to the 'Schedule of Charges'
** Service tax applicable


You can apply for a Domestic Gold Debit Card if you meet the following requirements:

  • 18 years of age
  • Valid domestic accountholder

Frequently asked questions

Where can the debit card be used?

The Debit Card can be used at the following locations:

 Locations in India   Number of locations   Available transactions
    - For all ATM transactions
- Cash Withdrawal
- Balance Enquiry
- Fast Cash
 All VISA / PLUS / Cashnet / NFS ATMs  Over 58,000  For balance enquiry and cash withdrawals
 Merchant Establishments   Over 3,50,000   For purchases

How can the card be used at a Merchant Establishment?

To use your Debit Card at a Merchant Establishment:

Step 1: Look for the Visa, Visa Electron signs while shopping, dining or while on holiday.

Step 2: Buy whatever you want

Step 3: Make sure the cashier swipes the Card on the Electronic Terminal.

Step 4: Sign on the charge slip only after confirming the amount and details on the slip.

What are the charges for using the Gold Debit Card?

  • There is no charge if the card is used at a Deutsche Bank ATM.
  • There is no charge if the card is used at retail outlet for purchases. However, for use at petrol pumps and railway ticket bookings, a surcharge of 2.50% of the purchase value shall be applicable as per industry standards. Please note that the surcharge of 2.50% on petrol pump is waived, the maximum fuel surcharge waiver per month will be restricted to Rs. 150*.
  • You are entitled to a certain number of free transactions at other bank ATMs depending upon the type of account you hold. Please check with your nearest Deutsche Bank branch for more details.
    Effective July 1, 2011, the number of free transactions permitted per month at other bank ATMs shall be inclusive of all types of transactions, financial or non-financial. For transactions beyond this minimum number of transaction, there is maximum charge of Rs. 20 per transaction.

* In case customer has crossed the threshold of Rs. 150 in a calendar month, his / her account will be debited for the differential amount in the same month or in the subsequent months at the discretion of the Deutsche Bank. In case sufficient balance is not available in the account to absorb the debit, in addition to the exercise of other rights of Deutsche Bank, a lien will be marked in the customer's account and the debit will be posted as and when balance is available.

What are the annual fees for the debit card?

The annual fee is Rs. 500 for a Domestic Gold Debit Card.

What is the validity period of the debit card?

The debit card will be valid for a period of six years from the date of issue.

What are the daily limits on the debit card?

Deutsche Bank gives you the flexibility to decide the daily limit you want for transactions at ATMs and merchant establishments.

You have a choice of five different daily limits (Rs. 25,000, Rs. 50,000, Rs. 1,00,000, Rs. 1,50,000 and Rs. 2,50,000) from which you can select your preferred option at the time of opening your account.

Note: These limits are subject to availability of funds in the linked accounts and general terms and conditions for use of debit cards apply.

What should I do if I lose my debit card?

If you want to report the loss or theft of your debit card, please call our Phone Banking team at 1860 266 6601#

This number is the same across all cities in India. The Phone Banking number will be available 24 hours a day, 365 days a year.

The debit card will be deactivated as soon as you inform the Call Centre. This would prevent any misuse of the debit card.

#Customers outside India need to dial +91 22 6601 6660. Customers in Mumbai can also call at 6601 6660. Call charges apply.

Apply for Domestic NRO Gold Debit Card

Apply Online

Call 18602666601#

#Customers outside India need to dial +91 22 6601 6660. Customers in Mumbai can also call at 6601 6660. Call charges apply.

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