How to Block IndusInd Bank Debit Card?

To Block IndusInd Bank ATM Card type an SMS as LOST MMDDYYYY Replace the MMDDYYYY with your date of birth. And send the SMS to 9223512966 from your registered mobile number. Your ATM Card will be instantly blocked by the bank.

There is a wide range of ATM Card or the Debit Cards which are issued by this bank. There are debit cards for which the IndusInd Bank charges Rs. 249 + GST per year as the annual maintenance charges. And there are also debit cards whose annual maintenance charges are as high as Rs. 1,000 + GST per annum. This all depends upon various benefits that you are getting out of the debit card which the bank has issued to you. If you wish you can get a basic debit card for your bank account and if you wish to have a debit card with more benefits you can ask the bank to issue one for you.

But here you should note one thing and that is more the benefits of the card more you will be charged annually. I am telling all these things because after blocking your lost IndusInd Bank ATM Card. You have to apply for a new card as a replacement for your old card. There are various methods that you can follow to block IndusInd Bank ATM Card. I will be discussing all the methods with you in this article.

It is not about which method you are using to block IndusInd Bank ATM Card. But it is important to block the card right away as soon as you realize that you have lost the card. A lost card is not the only reason why you might be blocking your debit card. There may be other reasons as well, you can share your reason to block the debit card by commenting down below. Before we proceed to the further part of this article, I would like to tell you a few things about the IndusInd Bank in brief. Because these days it turns out to be very important to know about the bank where we have deposited all our hard-earned money.

About IndusInd Bank

The IndusInd bank is one of the oldest bank privately operated banks in India. This bank is owned by the Hinduja Group and has a good reputation in the Indian Banking sector. This bank was founded in the year 1994 which means it is 26 years old now. (2020) I will be telling you more things about the IndusInd Bank in the further part of this article. I recently opened the bank account with the IndusInd Bank. Their staff is quite good at communication. Well, in this article I will tell you how you can block IndusInd Bank debit card or ATM card.

When to Block IndusInd Bank Debit Card?

Before you block your IndusInd Bank Debit Card it is important that you should know when it is right to block it. So let me tell you some circumstances when you should block the card quickly.

• When you have lost the card somewhere.
• In case your card details have been compromised.
• If your card has been used for any transaction that has not been authorized by you.
• If you are feeling that your debit card has been skimmed.

These are some of the circumstances in which you should block IndusInd debit card without a second thought. In case you know any other reason or the circumstance then you can comment down below. I will definitely add it to my list in this article.

In case you have temporarily misplaced your card from where you can get it after a few days. Like, say you have left it at home before going out of town. Then you should not block it permanently.

Why Should You Block the Lost Debit Card?

We now know when you should be blocking your debit card or the ATM card. But why should you block it? And what can happen if you don’t get it blocked?

Let me tell you what can go wrong with your card in case you don’t block it at the right time.

Your card might be found by someone who can try using it on international websites for payments. I have experienced this many times when the online payment gateway does not ask for the ATM PIN Number.

Without entering the PIN number the payment will be processed. This happens on international websites, these sites will ask you to enter your 16 digits debit card number, name on the card, expiry date, and the 3 digit CVV number.

This was one scenario, we have another one as well.

Thinking what it can be? Let me tell you.

These days the banks are issuing the contactless payment cards. Both VISA and MasterCard who are the market leaders have their own contactless payment mechanism. Even the Indian RuPay also has this technology.

And the banks are issuing the cards with this technology-enabled.

With the help of this technology, you can make the payments without having to enter the PIN number in the POS machines. (Point of Sale)

This works only for the payments of not more than Rs. 2,000. So in the case, if the card is used by any unauthorized person ultimately your bank account balance will be at the stake. These are just the 2 reasons out of many why you should instantly block the card if you have lost it.

How to Block IndusInd Bank Debit Card?

We now know enough things about the IndusInd Bank, and also the major reasons why you should block IndusInd Bank Debit Card if you have lost yours somewhere. So now it is time to know about the methods which you can follow to block your card.

As I have already mentioned that there are multiple methods that you can follow to block it. I have discussed all the procedures below. You can follow the one which suits you the most. But I recommend you to do it quickly so as to avoid the unauthorized usage of your ATM Card.

Make sure that you download and install the mobile banking application of the IndusInd Bank only. If you install any of the unofficial apps then your bank account access could get compromised

The link to the official mobile banking application of the IndusInd Bank is given above. It is highly recommended to install the app from the Google PlayStore or iTunes only. We should always avoid third-party sources of banking applications.

The customer care executive will be asking questions like your mother’s name, your area PIN code, last transactions, etc. These are just to verify that you are the real owner of the bank account. They won’t be asking many questions if you have called them your registered mobile number.

If you want to block your card by sending the SMS then you should make sure that you send it from your registered mobile number only. If you send the SMS from any other mobile number then the bank will not take any action to block the card.

You can carry your PAN Card or the Aadhaar Card to the bank to verify your identity as the owner of the bank account. Both the PAN Card and the Aadhaar Card can be used as an identity proof document in the bank.

Conclusion

So these are the methods which you can follow to block IndusInd Bank Debit Card. I hope you are clear with all the information that has been mentioned in this article. I have tried my best to cover everything that you need to know about the card and the way it should be treated when it is lost or misplaced by you. If you have any kind of doubts in your mind then don’t hesitate to comment down below. And if you want to get further assistance then you can call the customer care of the bank on their toll-free number: 1860 267 7777 and talk to the customer care executive.