Offers
Rates
V-KYC
Debit Card Related
Credit Card Related
SA Welcome Kit 
Manage Mandate(s)
Get Mini Statement
categories
Bloggers
Blog collection
Press Release
A Guide to Using Your Debit Card for Online Purchases
Posted on Tuesday, May 13th, 2025 | By IndusInd Bank
Summary: Choosing trusted websites, enabling two-factor authentication, and consistently monitoring your account are essential tips for using your debit card safely for online purchases.
Online shopping is a great way to purchase products from the convenience of your home and have them delivered straight to your doorstep. Using your debit cardhas become a popular way to make online purchases. However, to ensure smooth transactions and to keep your financial information secure, you should learn how to use your debit card safely for online purchases. This blog provides valuable tips on using your debit card for online purchases in a way that maximises your spending power while minimising risks.
Understanding Debit Cards
A debit card enables you to make online and offline purchases by withdrawing funds directly from your checking account. Additionally, it allows you to withdraw and deposit cash at ATMs.
How to Use a Debit Card to Make Online Purchases
Here is a step-by-step guide to completing online payments with debit cards:
Step 1: Begin by selecting the “Pay Using Debit/Credit Card” option during checkout.
Step 2: Select the type of debit card (Visa or Mastercard) you are using.
Step 3: Provide the 16-digit number located on the front side of your debit card, along with the card’s expiration date.
Step 4: Enter the three-digit CCD/CVV security code found on the back of your debit card, which confirms your authorisation to use it.
Step 5: Once you’ve submitted your payment details, you’ll receive a unique transaction code or OTP on the mobile number linked to your debit card. Enter this code to complete the transaction and receive a confirmation notification.
Debit Card Safety Tips for Online Transactions
Here are essential safety tips for conducting secure online transactions with your debit card:
| Use Trusted Websites | Check that the website’s address starts with “https://” and that the address bar contains a padlock icon. This indicates that the site employs encryption to protect your data during transmission. |
| Protect Your PIN Number | Do not share your PIN with anyone, and do not keep it in your wallet. Maintaining confidentiality is critical to ensuring your financial security. |
| Avoid Emails or Social Media Links | Avoid clicking on e-commerce links in emails or social media messages to prevent phishing scams that could steal your card information. To ensure safe access, type the website URL directly into your browser. |
| Monitor Your Account Activity | Check your account statements regularly for any unauthorised transactions and notify your bank immediately if you notice any unusual activity. |
| Set Up Transaction Alerts | Enable transaction alerts via SMS or email to receive instant notifications on debit card transactions. This will help you detect and report unauthorised activity promptly. |
| Sign Up for Two-Factor Authentication | Enable two-factor authentication to enhance security by receiving an OTP on your mobile or email for transaction verification. |
Apply for an IndusInd Bank Credit Card for Convenient Banking at Your Fingertips
IndusInd Bank provides a range of debit cards tailored to meet your banking needs. Whether you seek cashback perks, global acceptance, or advanced features, such as contactless payments, there is a card for you. Here are some of the exclusive benefits you get with an IndusInd Bank debit card:
- Earn brand vouchers and bonus reward points on debit card activation
- Get accelerated reward points on shopping and redeem them for exciting gifts and cashback
- Buy One, Get One free movie ticket every month on BookMyShow
- Avail exciting cashback and discount offers
- Benefit from 0% mark-up charges on international purchases
- Get protection against losses due to card theft
- Receive complimentary insurance for consumer durables purchased with your debit card
- Customise daily domestic and international purchase limits, as well as ATM withdrawal limits, using the Indus Mobile app
Apply for a debit card online with IndusInd Bankand enjoy secure and seamless transactions!
