Can I use my new debit card for online payments if I haven't used it at an ATM yet?

Yes, you can use your new debit card for online payments, as long as the card has been activated. However, it's important to understand that a debit card does not offer the same privileges as credit cards in terms of chargeback protection. It is generally advisable to use a credit card for online transactions, especially for higher-value purchases or when dealing with unfamiliar merchants.

Using Your Debit Card for Online Payments

Using your debit card for online payments is straightforward. When making a purchase, you will receive an OTP (one-time password) from your bank on your registered mobile number. You need to enter this OTP at the final step of the payment process to complete the transaction. Here are some tips to ensure a smooth and secure online payment experience:

Important Tips for Online Payments

Only use trusted websites: Ensure that the merchant website you are using is known, trusted, and reputable. Never use a debit card on unknown or suspicious websites. Use a secure connection: The website URL should start with HTTPS, indicating a secure connection. This helps protect your financial information from being intercepted. Do not save your card details: Avoid storing your card details online, as this can pose a risk of unauthorized access. Avoid public WiFi or open networks: Do not make online payments using public WiFi or open networks, as these can be less secure. Use your own device: Use your personal computer or mobile phone for online payments, avoiding public computers or cyber cafes. Logout after use: Always log out when you are finished with online transactions to prevent unauthorized use of your card.

These precautions help minimize the risk of fraud and ensure your financial security. Additionally, you may find the following video helpful in understanding the process and staying secure:

For English version, watch this video.

For Hindi version, watch this video.

Another useful tip is to verify the safety of a website. There are tools and services available that can check the security of a website and warn you if it is safe to make a payment. This is an important step in protecting your financial information.

In conclusion, if you have not used your debit card at an ATM and received an OTP, you can use it for online transactions as long as the OTP has not expired. Keep in mind the importance of security and follow the guidelines provided to ensure a safe and secure online payment experience.

Thank you for reading this guide. If you have any further questions, feel free to reach out.