Visa Debit Cards | Apply for a Visa Card (2024)

FAQs

Can a Visa debit card be used as a Visa card? ›

Visa Debit cards do the same thing as a prepaid or debit card but can also be used like credit cards. They pull funds from a customer's bank account like a debit card, so they are linked to their financial institution. In all three cases, you cannot access borrowed money or have access to a credit limit.

Key points about credit and debit cards

A debit card is linked to your bank account. It's usually your money that you're spending or withdrawing, unless you have an overdraft, which is a type of credit linked to your account. A credit card is a standalone account giving you access to a pre-agreed credit limit.

Get a new card

Visa will work with your bank to replace your debit or credit card and ship it to you within 24 to 72 hours.

The Cons of Using a Visa Debit Card

If you have a limited amount of funds in your bank account, a debit card will restrict your spending to that amount. Unlike a credit card, if you have an emergency expense or unexpected bill, you will not have access to additional funds you may need to cover emergency expenses.

Visa gift cards come with different amounts of money loaded on them. For example, a $100 Visa gift card will only allow you to buy items worth up to $100. For Visa debit cards it is how much you have in the bank account connected to the card that you are allowed to spend.

If you have a RuPay, Visa or Mastercard Debit Card linked to your bank account, you can withdraw Rs. 30,000 per day from the ATM. The Prestige Visa and Mastercard Debit Card enable you to withdraw a maximum cash of Rs 50,000 daily. For the Pride Mastercard Debit Card, the per-day withdrawal limit is Rs. 1,00,000.

The big difference is they use the Visa or Mastercard networks to allow you to use these debit cards in places you otherwise probably couldn't. So they're not credit cards, since you're not borrowing money to make those transactions. Instead, by using the credit card networks, you can use your debit card in more ways.

There's no fee to request a Visa debit card for your checking account.

You cannot directly convert a RuPay card to a Visa card. RuPay and Visa are separate payment card networks, and switching between them is not possible. You need to apply for a new card with a financial institution that offers Visa card.

Can anyone get Visa debit card? ›

You can apply for a Visa Debit card at your bank where you have a savings or current account. You have to put in a request with your bank for issuance of this card. -PAN card. Make sure you check with the bank if any additional documents are required.

When you choose to run your debit card as credit, you sign your name for the transaction instead of entering your PIN. The transaction goes through Visa's payment network and a hold is placed on the funds in your account. The transaction usually settles from your account within two to three days.

To use your debit card to pay a credit card bill, you must do so via bank transfer payment. In other words, you have to use either a credit card provider's payment portal or a third-party payment portal that includes not only your debit card information, but also your banking information.

The big difference is they use the Visa or Mastercard networks to allow you to use these debit cards in places you otherwise probably couldn't. So they're not credit cards, since you're not borrowing money to make those transactions. Instead, by using the credit card networks, you can use your debit card in more ways.

Benefits Of Paying Credit Card Bill Using A Debit Card

Most of the banks allow you to make credit card payments using a debit card without any registration. You can directly enter your debit card details in the payment channel or use your debit card at the bank's ATM to make payment.