UCO Bank offers a range of debit cards tailored to meet diverse customer needs, providing secure and convenient banking solutions. With features like online application, PIN generation, and attractive offers, managing your finances becomes seamless.
UCO Bank debit cards provide easy access to funds, enable cashless transactions, and come with various benefits and offers. Whether you’re shopping online, dining out, or traveling, UCO Bank debit cards ensure secure and efficient transactions.
| UCO Bank Debit Cards offer secure, contactless transactions with daily withdrawal limits up to ₹2,00,000. Multiple card types are available with annual charges starting from ₹250, along with added benefits like lounge access and exclusive offers. |
Types of UCO Bank Debit Cards
UCO Bank offers several types of debit cards to cater to different customer requirements. These UCO Bank debit card types include both RuPay and Visa variants with personalized, non-personalized, and contactless features.
Below is an overview of the available cards.
| Debit Card Type | Card Nature | Daily Limit (ATM/POS) | Annual Fees |
|---|---|---|---|
| RuPay Platinum Insta Contactless (Non-Personalised) | Domestic, Non-Personalised | ₹50,000 / ₹1,00,000 | ₹300 + GST |
| RuPay Platinum Personalised Contactless | International, Personalised | ₹50,000 / ₹1,00,000 | ₹300 + GST |
| RuPay Select Personalised Contactless | International, Personalised | ₹50,000 / ₹2,00,000 | ₹900 + GST |
| VISA Personalised Contactless (Classic/Platinum/Signature) | International, Personalised | ₹25,000–50,000 / ₹50,000–₹2,00,000 | ₹250–₹750 + GST |
| Aparajita Contactless Debit Card | International, Women-centric | ₹50,000 / ₹1,00,000 | ₹245 + GST |
1. RuPay Platinum Insta Contactless Debit Card (Non Personalised)
The RuPay Platinum Insta Contactless Debit Card is an instantly issued, non-personalised debit card from UCO Bank, available directly from branches. This card is ideal for customers who require immediate banking access without waiting for card personalization. It supports contactless transactions, is domestically and internationally usable, and includes essential insurance coverage, making it a smart and convenient everyday card.
Eligibility Criteria
| Requirement | Details |
|---|---|
| Account Types | Savings / Current (Individual & Proprietorship), Staff OD, or Cash Credit |
| Minimum or Average Balance | No minimum balance required |
| Issuance Mode | Instant issuance from any UCO Bank branch |
Key Features
| Feature | Details |
|---|---|
| Card Type | RuPay Platinum Insta Contactless (Non-Personalised) |
| Contactless Payments | Enabled |
| Usability | Domestic and International |
| Insurance Coverage | ₹2 Lakhs (Accidental death or permanent total disability) |
| Daily ATM Withdrawal Limit | ₹50,000 |
| Daily PoS / E-Commerce Limit | ₹1,00,000 |
| Instant Issuance | Yes (Activated at the branch instantly) |
| First-Time Issuance Charges | Nil |
| Reissue Charges | ₹250 + GST |
| Annual Maintenance Charges (AMC) | ₹300 + GST |
This debit card is best suited for individuals who want immediate card issuance, basic banking functionality, and a secure, contactless experience. Additionally, it’s a smart choice for users seeking an affordable card with zero issuance cost and essential insurance benefits.
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2. RuPay Select Personalised Contactless Debit Card
The RuPay Select Personalised Contactless Debit Card is UCO Bank’s most premium offering, designed to deliver a luxurious lifestyle experience for customers. This international, name-based personalized card blends high transaction limits with complimentary wellness, travel, and entertainment privileges. Ideal for high-spending professionals, frequent travelers, and lifestyle enthusiasts, it offers more than just banking, it’s a lifestyle upgrade.
Card Overview & Daily Limits
| Attribute | Details |
|---|---|
| Type of Card | Name-embossed, International, Contactless |
| Personalization | Yes |
| Daily ATM Withdrawal Limit | ₹50,000 |
| Daily PoS/E-Commerce Limit | ₹2,00,000 |
| Card Issuance Mode | Branch-based application |
Key Features & Exclusive Benefits
| Feature | Details |
|---|---|
| Wellness Perks | 1 Complimentary SPA/Salon, Health Check-up, and Gym Membership every quarter |
| Golf Program | 1 Complimentary Golf session or round every quarter |
| OTT Subscription | 1-Year free subscription to Amazon Prime / Hotstar / Sony Liv |
| Travel Perks | ₹100 cab service coupon per quarter |
| Lounge Access | 1 Domestic + 2 International lounge visits per year |
Fee Structure
| Charge Type | Customer | Staff/Ex-Staff |
|---|---|---|
| Issuance Charge | ₹1000 + GST | ₹1000 + GST |
| Reissue Charge | ₹1000 + GST | ₹1000 + GST |
| Annual Maintenance Charge | ₹900 + GST | ₹900 + GST |
The RuPay Select Contactless Debit Card is perfect for customers looking for high transaction limits, wellness benefits, international usability, and premium lifestyle privileges, all while enjoying full access to UCO Bank debit card offers and RuPay’s exclusive ecosystem.
3. RuPay Platinum International Debit Card (Personalised)
The RuPay Platinum Personalised Debit Card is a globally accepted, name-embossed card offered by UCO Bank, tailored for individuals who require international usability along with premium travel and lifestyle privileges. It is ideal for everyday spenders as well as frequent flyers looking for added value in lounge access, insurance, and merchant offers.
Eligibility Criteria
| Account Types Eligible | Details |
|---|---|
| Savings / Current Account | Individual & Proprietorship accounts |
| Staff OD Account | Eligible |
| Cash Credit Account (CC) | Against UCO Bank deposit accounts |
| Minimum/Average Balance | No restriction |
Key Features & Benefits
| Feature | Details |
|---|---|
| Lounge Access | 1 Domestic + 1 International lounge visit per year |
| Insurance Coverage | ₹2 Lakhs for accidental death or permanent disability (terms apply – see below) |
| Transaction Condition | At least 1 RuPay transaction within 30 days before the incident is mandatory |
| Merchant Offers | Year-round exclusive RuPay partner deals on PoS and E-Commerce |
| Global Acceptance | Use internationally at any merchant or ATM accepting RuPay |
| ATM Withdrawal Limit | ₹50,000 per day |
| PoS / E-Commerce Limit | ₹1,00,000 per day |
| Official Lounge Directory | RuPay Lounge List |
Fee Structure
| Charge Type | Amount |
|---|---|
| Issuance Charge | ₹300 + GST |
| Reissuance Charge | ₹300 + GST |
| Annual Maintenance (AMC) | ₹300 + GST |
How to Apply
- Visit the nearest UCO Bank branch, or
- Apply through WhatsApp with your registered number.
The RuPay Platinum International Debit Card is perfect for users who want a cost-effective international card with value-added benefits like travel insurance, merchant discounts, and airport lounge access. It aligns with key search interests such as UCO Bank debit card apply online, UCO Bank debit card charges, and UCO Bank debit card limit.
4. VISA Personalised International Debit Card (Classic / Platinum / Signature)
The VISA Personalised International Debit Card from UCO Bank offers global acceptance and tiered benefits to suit diverse banking and lifestyle needs. Available in three variants, Paywave Classic, Platinum, and Signature, these cards are designed for seamless international usage, secure online transactions, and value-added global offers. Each card comes with a name-embossed design, without a photo, offering a premium banking experience with exclusive benefits.
Eligibility Criteria
| Eligible Account Types | Details |
|---|---|
| Savings / Current (Individual & Proprietorship) | Eligible for all three variants |
| Staff OD Account | Eligible |
| Cash Credit Account (Bank’s Deposit) | Eligible |
| Minimum Balance Requirement | None for Classic, ₹1,00,000 for Platinum, ₹2,00,000 for Signature |
Key Features Across All Variants
| Feature | Details |
|---|---|
| Global Acceptance | Use for ATM, PoS, and online transactions where VISA is accepted |
| Online Shopping | Secure payments for e-commerce in INR |
| Worldwide Offers & Privileges | Discounts, deals, and benefits at the VISA Offers Portal |
| Customer Support | 24/7 Global VISA customer service |
Daily Withdrawal Limits by Card Variant
| Transaction Type | Paywave Classic | Platinum | Signature |
|---|---|---|---|
| ATM Limit | ₹25,000 | ₹50,000 | ₹50,000 |
| POS Limit | ₹50,000 | ₹1,00,000 | ₹2,00,000 |
Fee Structure
| Card Type | Issuance | Reissuance | AMC |
|---|---|---|---|
| VISA Paywave Classic | ₹175 + GST | ₹250 + GST | ₹250 + GST |
| VISA Platinum | ₹300 + GST | ₹300 + GST | ₹300 + GST |
| VISA Signature | ₹500 + GST | ₹500 + GST | ₹750 + GST |
Note: No charges for Staff/Ex-Staff/PMJDY/BSBDA (excluding RuPay Select)
How to Apply
- Visit your nearest UCO Bank branch, or
- Apply through WhatsApp using your registered mobile number.
These VISA debit card types are perfect for international travelers and high-value spenders looking for secure transactions, global customer assistance, and exclusive offers worldwide. Choose your card based on your usage needs and enjoy the convenience and prestige of the VISA network.
5. Aparajita Contactless Debit Card (Women-Centric)
The Aparajita Contactless Debit Card from UCO Bank is a thoughtfully crafted offering exclusively for women customers and female staff. This personalized, contactless RuPay card provides unique lifestyle privileges tailored to the needs of women, including shopping discounts, wellness offers, lounge access, and concierge services. Whether you’re a frequent traveler, an online shopper, or a working professional, the Aparajita card brings value and empowerment with every transaction.
Eligibility Criteria
| Eligible Account Types | Details |
|---|---|
| Savings / Current Account (Individual & Proprietorship) | Eligible |
| Staff OD Account | Eligible |
| Aparajita Scheme and Jaya Lakshmi Scheme Account Holders | Special privileges with reduced charges |
| Minimum Balance Requirement | No minimum or average balance required |
Key Features & Women-Specific Benefits
| Feature | Details |
|---|---|
| Lounge Access | 2 Domestic Airport/Railway + 1 International lounge visit per quarter |
| Shopping Discount (Myntra) | ₹250 Shopping Coupon every quarter |
| Swiggy Friday Offer | 20% off (₹100 max) on orders over ₹129/month (1 order/month, Fridays only) |
| Amazon Bill Discount | 20% off (₹100 max) on utility bill payments (min ₹129/month), valid on Fridays |
| Insurance Coverage | ₹2 Lakhs (Accidental death or permanent disability) |
| Concierge Services | 24/7 multilingual assistance (Hindi, English, Marathi, Gujarati, Punjabi, and 4 South Indian languages) |
| Usage Scope | Domestic + International |
| Contactless Payments | Enabled |
Daily Limits
| Transaction Type | Limit |
|---|---|
| ATM Withdrawal | ₹50,000 |
| PoS / E-Commerce | ₹1,00,000 |
Fee Structure
| Charge Type | Standard Charges | Scheme Holder Charges |
|---|---|---|
| Issuance | ₹425 + GST | ₹125 + GST |
| Reissuance | ₹425 + GST | ₹125 + GST |
| Annual Maintenance Charge (AMC) | ₹425 + GST | ₹125 + GST |
The Aparajita Debit Card is an all-in-one lifestyle and banking tool for women, combining rewards, security, comfort, and style. It aligns well with common user queries like UCO Bank debit card apply, UCO Bank debit card offers, and UCO Bank debit card limit for women customers.
UCO Bank Debit Card Fees & Charges
UCO Bank offers a range of debit cards tailored to the needs of different customer segments, each with its fee structure. Here’s a detailed comparison of the fees for each UCO Bank debit card type:
| Debit Card Type | Issuance Fee | Reissuance Fee | Annual Maintenance Charge (AMC) |
|---|---|---|---|
| RuPay Platinum Insta (Non-Personalised) | Free | ₹250 + GST | ₹300 + GST |
| RuPay Platinum Personalised | ₹300 + GST | ₹300 + GST | ₹300 + GST |
| RuPay Select Personalised | ₹1000 + GST | ₹1000 + GST | ₹900 + GST |
| VISA Paywave Classic | ₹175 + GST | ₹250 + GST | ₹250 + GST |
| VISA Platinum Personalised | ₹300 + GST | ₹300 + GST | ₹300 + GST |
| VISA Signature Personalised | ₹500 + GST | ₹500 + GST | ₹750 + GST |
| Aparajita Debit Card (Standard Users) | ₹425 + GST | ₹425 + GST | ₹425 + GST |
| Aparajita (Scheme Holders: Aparajita/Jaya Lakshmi) | ₹125 + GST | ₹125 + GST | ₹125 + GST |
Features & Benefits of UCO Bank Debit Cards
UCO Bank debit cards are packed with features that go beyond just cash withdrawals. Whether you’re shopping, traveling, or paying bills, these cards offer convenience, security, and added value.
- Contactless Payments: Tap-and-pay technology allows you to make secure transactions without swiping or entering a PIN for small purchases.
- EMV Chip Security: All cards are EMV chip-enabled to protect against fraud and unauthorized transactions.
- Global Acceptance: Use your debit card at millions of ATMs, merchant outlets, and online platforms in India and internationally.
- Exclusive Offers & Discounts: Avail cashback, seasonal deals, and ongoing discounts on shopping, dining, travel, and OTT subscriptions through UCO Bank debit card offers (RuPay/VISA network).
- Free Lounge Access: Premium variants like RuPay Select, Aparajita, and VISA Signature offer complimentary access to domestic and international airport lounges.
- High Daily Limits: Withdraw up to ₹50,000 from ATMs and spend up to ₹2,00,000 at PoS and online with select cards like VISA Signature and RuPay Select.
- Entertainment & Wellness Perks: Enjoy complimentary OTT subscriptions (Amazon Prime, Hotstar, Sony Liv), spa sessions, gym memberships, and golf lessons with premium cards.
- Insurance Coverage: Personal accident and permanent disability insurance ranging from ₹2 lakhs to ₹10 lakhs based on card type.
- 24×7 Concierge Services: Round-the-clock assistance in multiple Indian languages—available with RuPay Select and Aparajita cards.
- Easy Access & Management: Apply, track, or manage your debit card using WhatsApp banking, UCO mBanking Plus App, or the UCO website.
Steps to Apply for a New UCO Bank Debit Card
Applying for a new UCO Bank debit card is simple, quick, and can be done online without visiting the branch. UCO Bank allows customers to request a name-printed personalized debit card through its secure online portal.
Follow these easy steps to apply for your new UCO Bank debit card online:
- Visit the Official UCO Bank Portal: Go to the online application page for debit cards via UCO Bank’s official site.
- Select ‘Apply for New Debit Card’: On the homepage, click on the option that says “Apply for New Debit Card”.
- Enter Your Account Details: Input your Account Number linked to UCO Bank. Choose any one of your last 10 transactions from the dropdown and enter the exact amount.
- Complete the Security Captcha: Type the characters displayed in the captcha image.
- Click on ‘Send OTP’: Enter the OTP in the next step to proceed.
- Once verified, select the card type and submit the application for processing.
Steps To Generate UCO Bank Green PIN / Reset PIN
UCO Bank makes it easy to set or reset your debit card PIN instantly through its secure online Green PIN generation portal. This process is safe, quick, and requires no branch visit.
Follow these steps to generate your UCO Bank debit card Green PIN:
1. Green PIN Generation through UCO Bank Portal
- Visit the Official Green PIN Portal: Go to the UCO Bank Debit Card services page and click “Generate Green PIN / Reset PIN”.
- Enter Card Details: Fill in the following mandatory fields such as Debit/ATM Card Number, Card Expiry Date (Month and Year), CVV (3-digit number on the back of your card)
- Enter Account Number linked with your debit card
- Set a New PIN: Type your new 4-digit PIN and Re-enter the same PIN in the “Confirm New PIN” field.
- Verify Captcha: Enter the captcha code shown on the screen.
- Click on “Send OTP”: Enter the OTP to complete and confirm your PIN setup.
Note: This process supports quick activation for newly issued UCO Bank debit cards.
2. Green PIN Generation at UCO Bank ATM
This method lets you instantly set your PIN using any UCO Bank ATM. It is ideal for customers who prefer in-person access.
Steps:
- Visit any UCO Bank ATM.
- On the Language Selection screen, choose the “Green PIN” option (left-hand side).
- Enter your registered mobile number.
- Authenticate using the OTP sent to your mobile.
- Enter your new 4-digit PIN and confirm it.
- Your Green PIN will be set. If the card was inactive, it will be activated.
Note: Only available at UCO Bank ATMs. A registered mobile number is required.
3. Green PIN Generation via UCO mBanking Plus App
The UCO mBanking Plus App provides an easy way to set your Green PIN from your mobile.
Steps:
- Open the UCO mBanking Plus App and log in.
- Go to Home > Manage Cards > Green PIN Generation.
- Select your account number and the linked debit card.
- Enter the card expiry date.
- Set a new PIN, re-enter to confirm.
- Enter the OTP received on your registered mobile.
- Submit to complete the process.
Note: If the card is inactive, it will be activated after successful PIN generation.
4. Green PIN Generation via IVR (Phone Call)
Perfect for those without internet access. You can generate a PIN by calling UCO Bank’s toll-free number.
Steps:
- Call 1800-103-0120 from your registered mobile number.
- Follow the IVR instructions to enter card and account details.
- Authenticate using the OTP received on your phone.
- Set and confirm your new PIN.
- You will receive confirmation via SMS.
Note: Transaction limit (₹10,000 at ATM/PoS) applies until 11:59 PM on the same day. E-commerce use is restricted during this time.
How to Block Lost UCO Bank Debit Card
If your UCO Bank debit card is lost, stolen, or compromised, you can quickly block your UCO Bank Debit Card by sending an SMS from your registered mobile number to 9230192301. Use the following formats:
| Action | SMS Format | Description |
|---|---|---|
| Block all cards linked to your mobile number | HOT | Hotlists all debit cards linked to the registered mobile number. |
| Block a specific card | HOT XXXX | Replace XXXX with the last 4 digits of the debit card you want to block. |
| Block cards linked to an account | HOT <14-digit Account Number> | Blocks all debit cards linked to the specified account number. |
Other Hotlisting Options
- Call Customer Care: Dial the toll-free number 1800 103 0123.
- Email Support: Write to uco.custcare@ucobank.co.in for immediate assistance.
- UCO mBanking Plus App: Block the debit card within the mobile app.
- WhatsApp Banking: Hotlist via UCO Bank’s official WhatsApp channel: 8334001234.
UCO Bank Debit Card Customer Care Number
For any issues, queries, or support related to your UCO Bank Debit Card, you can reach out to the UCO Customer Care team through the following contact details:
| Contact Point | Details |
|---|---|
| Toll-Free Customer Care Number | 1800 103 0123 (24×7 support for all debit card-related services) |
| Customer Care Email | hosp.cscell@ucobank.co.in |
| Base Branch Support | Visit your base UCO Bank branch for any account or card queries |
| Digital Banking Department (HO) | digital.lending@ucobank.co.in |
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