How to Enable Contactless Payments on Debit Cards?

There are a lot of ways to pay someone money or carry out a transaction. But when you don’t have time or want to carry out a transaction quickly.

You will need the mode of payments that will work very fast, really fast. This is the need and to satisfy this need our banks have come up with Contactless payments.

This mode of payment using the card helps to save a lot of time. If you want to make payments then you can do it just by tapping your card on the POS machine.

This is not only limited to the POS machines. You can do payments to any financial device that has NFC and supports the contactless payment technology.

Today we will learn everything about contactless payments technology. And also the process that you have to follow to enable it on your card.

You just can not start using your debit card or credit for contactless payments. This feature has to be activated or enabled manually by you.

In earlier days the contactless payments were enabled by default for domestic payments. But after an RBI regulation, this feature is disabled by the banks by default.

If the customers want to have this feature and use it. Then the customer has to get this feature enabled for his or her card.

What are Contactless Payments?

Meaning of Contactless Payments

This is a new way of making payments with the help of your debit cards or credit cards. Instead of you swiping your card into the POS machine and entering your PIN Number.

You just need to tap your card on the POS machine. Your payment will be processed by the bank. And the money will be deducted from your account balance.

It is as simple as that. Just tap your card on the machine. And your payment will be processed by the bank.

Do All Cards Support Contactless Payments?

Contactless Payment Supported Cards

No, not all cards support contactless payments. Only those cards which are capable of working with RFID can be used to make contactless payments.

The old debit and credit cards issued by the bank do not support this feature. But almost all the new cards support this feature.

We can say this has become a new normal or standards in the world of digital payments.

How to Check?

All the debit and credit cards that support contactless payments have a symbol on them. This symbol looks like that of the Wi-Fi and will be printed on the front side of the card.

If you have this symbol then your cards support contactless payments. In case you don’t find this symbol. Then this means your card does not support this feature.

What to Do if My Card Does Not Support Contactless Payments?

If your card does not support contactless payments. Then you can request your bank to issue you a new card that supports this technology.

Almost all Indian Banks issue cards that support this technology. But here you need to note that the bank will charge you an issuance fee for the new card.

The issuance fee depends upon the type of card you are getting from the bank. If the card is a normal one then the fee will be less. But in the case of a premium card, the charges may go up and also the annual maintenance charges.

How to Check the Issuance Charges or Fees?

Almost every bank has a schedule of charges page on its official website. You can use this page to know the charges. Just open the official website of your bank and go to the Schedule of charges page.

Let me explain to you how you find this page with an example.

Select Schedule of Charges from Footer

For this, I will use the official website of IndusInd Bank. As you can see the “Schedule of Charges” link in the footer of the website. I will have to use this link to open the page.

Select Credit Card

After that, I will have to select the “Debit Card or Credit Cards”. In my case, I will select “Credit Cards”.

Now I have to look for the “Issuance Charges” this is also known as “Joining Fees” of the card of my choice.

Usually, the schedule of charges page will be in PDF format so you can even download it. But in case if you don’t want to look for the charge by yourself.

Then there is one more way to know the charges. Call the customer care of your bank and ask them about it. The customer care people will tell you the charges for the type of card you want.

How do Contactless Payments work?

How it Works?

Here we first need to understand the physical requirements for a contactless payment to happen. Not all the cards support this. In the same way, not all POS machines support.

So both the card being used and the POS machine should support this feature.

Contactless payment cards use RFID (radio frequency identification) to transmit data.

First of all the merchant who is receiving the payment has to prepare the machine to receive the payment. He or she should enter the amount to be paid by the customer.

Once the machine is ready to receive the payment. The customer has to tap the card on the upper part of the POS machine.

When this is done both the card and the machine will talk to each other. Because they are capable of doing it. The machine will read the card details.

And once the detail is read it will be sent to the payments processing network. It can be VISA, MasterCard, or Amex.

Then the payment network will run its series of checks,

  1. It will first check if the cardholder has flagged the card as stolen.
  2. Then it tries to understand if it is a fraudulent transaction. (using special algorithms)
  3. The balance on the card will be checked.
  4. If there is enough balance then the payment will be processed.

All this happens in a fraction of seconds. This is how contactless payment technology work.

Benefits of Contactless Payments

Benefits

There are a lot of benefits of using contactless payment cards. Basically, there are 3 parties involved in the transaction. If we add the payment processing network. Then it will be 4 parties.

The banks have their own benefits, the merchants have their own set, and we the customers we have our own. But here let us focus only on the set of benefits to the customer.

1. Speed of Payments

The payments are done blazing fast when we use contactless payments technology. As soon as you touch or tap the card on the machine. The machine will start printing the receipt of the card.

It works that fast. So with this, we customers will be able to save a lot of time.

2. Effortless Payments

The payments that are done with the help of this feature are very effortless. Just tap your card and the payment will be processed.

There is no requirement of taking out your smartphone or count the cash. I would say contactless payments are more effortless than UPI payments.

Because in case of the UPI payments we generally need to scan the QR code. After scanning the code we have to enter the amount and then the UPI PIN Number.

But here we need not scan or enter any PIN. All we need to do is just tap the card. This is what makes contactless payments so effortless.

3. The Payments are Secure

When we are making use of contactless payments security is a concern. But still, if we use this tech in the right way with responsibility. Then the payments are secure.

How?

Here we are not entering any PIN number. This means there is no chance of our PIN being exposed or leaked to the merchant.

In some cases, the merchant might peak at the machine and make out the PIN that you are entering into the machine. But this can never happen when contactless payments are in use.

4. Flexibility to Enable and Disable

It is very easy to enable and disable contactless payments on your card. All you need is access to the internet banking portal or the mobile banking app of your bank.

If you feel you should turn off or disable this feature of your card. Then you can do it anytime, anywhere. And almost all the banks have enough powerful infrastructure to enable or disable instantly.

Types of Contactless Payments

There are multiple types of contactless payments that currently exist. I have explained those below.

1. Contactless Payments using Debit and Credit Cards

Contactless Payments using Debit and Credit Cards

This is the major type of contactless payment that is used worldwide. To make this you will need a debit card or a credit card that supports this technology.

2. Mobile-based Contactless Payments

Mobile-based Contactless Payments

The second type is mobile-based contactless payments. Here no debit card or credit card is used. But instead of that a smartphone or a mobile device that supports NFC is used.

NFC is nearfield communication. This works just like the card. But there is a need for a payments app that supports contactless payments.

There are a number of apps that support this. Some of the examples are Google Pay, PayTM, etc. In most Android devices, there is a separate section that deals with this type of payment.

Where you can set up your default wireless payments app. And when you touch to hold the fingerprint sensor for 5 seconds or more. The app you have set will be opened.

3. Wearable Device-Based Contactless Payments

Wearable Device-Based Contactless Payments

There is one more which is wearable device-based payments. Here there is no card or smartphone is used. But instead of that a wearable device is used.

This can be a smartwatch, fitness tracker, or wristband that supports this technology. These devices are preconfigured to work for payments. So you will just have to tap the device on the POS machine.

Are Contactless Payments Safe?

Are Contactless Payments Safe?

Yes, this type of payment is safe. But you have to take care that you don’t lose your card anywhere. If you have lost your card or it gets stolen. Then you should immediately block it.

If you don’t block it. Then anyone who gets your card can attempt to make the payments just like you do. And the money will be deducted from your account.

Other than this the technology which is used here to transmit the data between the card and the machine is pretty safe. It is very hard to decode customer information.

When we compare the same to that of the cards with a magnetic stripe. They give up on the customer information very easily to the card scanners. But in the case of contactless payments, the data transferred is encrypted.

I also recommend you disable contactless payment when you are not using it. This will make sure that no misuse can happen with your card. Whenever you need it get it activated again.

Will Bank Charge Me Extra?

Contactless Payment Charges

No, the banks do not charge you anything extra particularly for the use of contactless payments. This is free but you also should know that normal card usage charges will be applied.

But other than that the banks in India have not told us about any charges. I also tried to look for the charges on the Schedule of charges page of major Indian websites. But I found nothing of that sort.

What if Contactless Payment Does not Work or Fails?

Failed Contactless Payment Transaction

The probability of the contactless payment not working or failing is very little. But if this happens then still you can make the payment.

Swipe or insert your card into the POS machine. And enter your 4 digits PIN number. Contactless payment is an additional mode of payment to the normal Swipe and Dip mode.

So if this does not work use those, punch in your PIN and the payment will be done.

Can I Use my Contactless Payment Card Internationally?

International Use of Contactless Payments

Yes, you can use your card internationally for making contactless payments. If the merchant has the POS machine that supports this type of payment. And if you have this enabled for your card.

Then the payments network will pass your payment. You will not face any kind of issues while making the payment while you are out of India.

But you have to keep in mind that every country has its own limit on the monetary value of transactions. So keep track of this before tapping your card for the payment.

Can I Use Contactless Payments to Withdraw Money?

No, You can not use contactless payments technology to withdraw money from your bank account. As of now, there is no such mechanism that can help you to withdraw cash in any way.

How Much is Contactless Payments Limit in India?

Contactless Payment Limit in India: Rs. 5,000

The maximum limit of contactless payment in India is Rs. 5,000. Earlier this was Rs. 2,000. But Reserve Bank of India allowed for payments up to Rs. 5,000 since 1 January 2021.

Can I Set My Own Limit on the Transactions?

Setting Maximum Limit to Payments

Yes, you can set your own contactless payments limit on your card. This can be done with the help of the internet banking portal and the mobile banking app.

But you will have to make sure that your limit is equal to or less than Rs. 5,000.

Different Ways to Enable Contactless Payments on Debit and Credit Cards

Ways to Enable Contactless Payments on Debit and Credit Cards

There are two ways to enable contactless payments on your debit cards and also credit cards. I have explained both the ways below. After this, I will give you bank-wise instructions.

Using Internet Banking

The first online method is using internet banking. For this, you will need a desktop or a laptop computer with a stable internet connection.

Open the official website of your Bank → Login to your Internet Banking Account → Open the Debit Cards Section → Select Your Debit Card → Click on Limit Management → Toggle the Button of Contactless Payments.

Using Mobile Banking App

For this, you will need the official mobile banking app of your bank. If you have it then that is fine. But in case if you don’t then get it installed.

Open the Official Mobile Banking App of your Bank → Login to your Account → Open Debit Cards Section → Select Your Debit Card → Open Limit Management → Toggle the Button of Contactless Payments.

Can I Enable or Disable Contactless Payments Offline?

No, as of now there is no direct offline process that you can follow to enable or disable contactless payments. But you can call the customer care of your bank. And request them to enable or disable it.

However, it is very rare that customer care can do it for you. But customer care will give you full instructions that you need to follow.

Choose Your Bank Here

The major Indian Banks that offer debit cards and credit cards with contactless payments technology are covered in this article.

You have to choose your bank below to find the instructions that you have to follow to enable contactless payments. Here the banks are arranged in alphabetical order.

Axis Bank

How to Enable Contactless Payments on Axis Bank Cards?

Enable Contactless Payments on Axis Bank Cards

Axis Bank allows the customers to change the settings of contactless payments using online. Both internet banking and mobile banking can be used for this purpose.

The instructions for the internet banking method are mentioned below.

  1. Open the official website of the Axis Bank.
    Login to Axis Bank Internet Banking
  2. Log in to your internet banking account.
    Axis Bank Services Menu
  3. Click on “Services” → Select between credit card or debit card.
  4. Choose your card.
  5. Click on “More Services”.
    Select Mange Usage and Click on Go - Axis Bank
  6. Select “Manage Usage” and click on the “Go” button.
  7. Now scroll and choose between Domestic or International.
  8. Look for “Contactless Payments”.
    Toggle the Button - Axis Bank
  9. Toggle the settings to “On” or “Off” and click on the “Proceed” button.

The bank will send you the NETSECURE code or OTP to your mobile number via SMS. On the next screen, you have to enter that code correctly and click on the “Submit” button.

Make sure that you are entering the amount that is less or equal to the maximum allowed limit. If you enter a higher amount then you will not receive an OTP code from the bank.

As soon as you enter the correct OTP the limits will be changed instantly.

For more details call the customer care of Axis Bank on 1860 419 5555.

Equitas Small Finance Bank

How to Enable Contactless Payments on Equitas Small Finance Bank Cards?

Enable Contactless Payments on Equitas Small Finance Bank Cards

You can enable or disable contactless payments on your debit card online. You can make use of the internet banking portal. And the official mobile banking app of the bank.

I have mentioned the instructions of the mobile banking app method below. But you can also use the internet banking portal of the bank.

To use the internet banking method. You will have to open the official website of the bank and log in to your internet banking account.

Follow the instructions given below to enable or disable contactless payments on your card using the mobile banking app.

  1. Install the official mobile banking app of Equitas Small Finance Bank.
  2. Open the app and enter your login details into the app.
    Tap on Debit Card - Equitas Small Finance Bank
  3. Tap on “Debit Card”.
  4. Choose the debit card of your choice if you have multiple cards.
    Card Limit - Equitas Small Finance Bank
  5. Tap on “Card Limit” from the debit card section.
  6. Scroll down and look for “Contactless Payments”.
  7. Toggle the settings to enable or disable this feature on your card.

The app will ask you to authenticate yourself before the settings are applied. For this, you may be asked to enter the MPIN or an OTP that the bank will send you.

Upon successful authentication, the settings will be updated instantly.

For more details call the customer care of Equitas Small Finance Bank on 1800 103 1222.

Federal Bank

How to Enable Contactless Payments on Federal Bank Cards?

Enable Contactless Payments on Federal Bank Cards

If you have a Federal Bank card that supports contactless payment or tap and pay. Then you can enable this feature on your card using internet banking and the mobile banking app.

The instructions for the mobile banking app method are given below.

  1. Open the official mobile banking app of Federal Bank.
  2. Enter your login details into the app.
  3. Tap on “Settings”.
  4. Select “Card Management” from the settings.
  5. Select the debit card or credit card of your choice.
  6. Look for “Contactless Payments”.
  7. Toggle the enable button.
  8. Set your contactless payments limit.
  9. Enter your MPIN to apply the changes.

The bank will not send you any OTP for the purpose of verification. But you will have to enter your MPIN to apply the changes.

For more details call the customer care of Federal Bank on 1800 420 1199.

HDFC Bank

How to Enable Contactless Payments on HDFC Bank Cards?

Enable Contactless Payments on HDFC Bank Cards

Most of the debit cards issued by HDFC Bank support Tap and Pay. You can enable this for your card using the internet banking portal. And the official mobile banking app of the bank.

  1. Visit the official website of HDFC Bank.
  2. Log in to your internet banking account.
    Click on "Cards" - HDFC Bank NetBanking
  3. Click on “Cards”.
    Click on "Debit Card" - HDFC Bank NetBanking
  4. Click on “Debit Cards”
    Select "Set Card Usage/Limits" - HDFC Bank NetBanking
  5. Select “Set Card Usage/Limits”.
    Choose Debit Card - HDFC Bank NetBanking
  6. Choose your debit card from the list and click on “Continue”.
  7. Select between “Domestic and International Usage”.
  8. Look for “Contactless Usage: Tap and Pay”.
    Toggle Settings to "On" HDFC Bank NetBanking
  9. Toggle the settings to “On” and click on “Continue”.

The settings will be changed instantly.

IDFC FIRST Bank

How to Enable Contactless Payments on IDFC FIRST Bank Cards?

Enable Contactless Payments on IDFC FIRST Bank Cards

If you have an IDFC FIRST Bank card with you and want to update the contactless payments settings. Then you can do it using the mobile banking app. And also by logging in to your internet banking account.

The instructions for the internet banking method are given below.

  1. Open the official website of the IDFC FIRST Bank.
    Click on Login - IDFC FIRST Bank
  2. Click on the “Login” button.
    Enter your Login Details - IDFC FIRST Bank
  3. Enter your user details and proceed with the login.
    Click on I Have and Choose Cards - IDFC FIRST Bank
  4. Click on “I Have” → “Cards”.
    Select a Card - IDFC FIRST Bank
  5. Select the debit card or credit card whose settings you want to update.
  6. Scroll down and look for “Purchase Limits”.
    Click on Manage Purchase Limits - IDFC FIRST Bank
  7. Click on “Manage”
  8. Scroll down and look for “Contactless Transactions”.
    Toggle the Button - IDFC FIRST Bank
  9. Toggle the button to enable or disable contactless transactions on your IDFC FIRST Bank’s card.

If you have the official mobile banking app installed on your smartphone. Then I recommend you to use the app because it is more convenient.

After you toggle the button you have to scroll down and click on the “Confirm and Get OTP” button. Then the bank will send you an OTP.

Enter the OTP - IDFC FIRST Bank

Enter the OTP and click on the “Verify” button. The changes you have done will be applied instantly.

For more details call the customer care of IDFC FIRST Bank on 1800 419 4332.

IndusInd Bank

How to Enable Contactless Payments on IndusInd Bank Cards?

Enable Contactless Payments on IndusInd Bank Cards

You can enable or disable contactless payments on your IndusInd Bank card online. There is no offline process to do this. You will have to use the internet banking portal or the official mobile banking app.

Using the mobile banking app is always a convenient way to manage your account. If you have it installed then use it. In case you don’t have then you can use the internet banking portal of the bank.

  1. Open the official website of IndusInd Bank.
    Click on the Login Button - IndusNet
  2. Click on the Login button.
    Login Page - IndusNet
  3. Enter your login details and proceed with the login process.
  4. Click on “Cards” → Select between debit card and credit card.
    Select Bank Account Number - IndusNet
  5. Select your bank account number and click on the “Go” button.
    Click on Limit Management - IndusNet
  6. Choose your debit card and click on “Limit Management”.
    Edit Card Limit - IndusNet
  7. Click on “Edit Card Limit”.
    Tick or Untick and Click on Submit - IndusNet
  8. Tick to enable and untick to disable contactless payments on your card.
  9. Click on the “Submit” button.

When you click on the “Submit” button the bank will send you an OTP. Enter the OTP correctly and click on the “Confirm” button. Your settings will be updated instantly.

For more information call the customer care of IndusInd Bank on 18602677777.

Kotak Mahindra Bank

How to Enable Contactless Payments on Kotak Mahindra Bank Cards?

Enable Contactless Payments on Kotak Mahindra Bank Cards

If you want to enable contactless payments on your Kotak Mahindra Bank debit card. Then you can do it online using the mobile banking and internet banking app of the bank.

Follow the instructions given below to enable tap and pay on your card.

  1. Open the official website of Kotak Mahindra Bank.
  2. Log in to your internet banking account.
  3. Open the debit card section of the internet banking portal.
  4. Click on “Card Control”.
  5. All your debit cards will be displayed to you.
  6. Choose the debit card whose settings you want to change.
  7. Select between domestic and international usage.
  8. Look for “Contactless” or “Tap and Pay”.
  9. Toggle the settings and click on the “Confirm” button.

If you want to use the mobile banking app. Then the process is very similar to the instructions that are mentioned above.

For more information call the customer care of Kotak Mahindra Bank on 1860 266 2666.

RBL Bank

How to Enable Contactless Payments on RBL Bank Cards?

Enable Contactless Payments on RBL Bank Cards

If you have an RBL Bank debit card that supports contactless payments. Then you can enable or disable this setting online.

This can be done with the help of the internet banking portal. And the official mobile banking app of the bank. For the purpose of instructions. I have used RBL Bank MoBank 2.0 app.

  1. Install the official mobile banking app of RBL Bank.
  2. Open the app and enter your account’s login details.
    Tap on More - RBL Bank
  3. Tap on “More”.
  4. Open the “Debit Cards Management” menu.
  5. Choose the debit card of your choice. (if you have multiple cards)
  6. Now open the “Debit Cards Security Settings” of the selected card.
  7. Select between domestic and international usage.
  8. Look for “Tap and Pay”.
    Toggle Tap and Pay - RBL Bank
  9. Toggle the button between “On” and Off” to enable or disable contactless payments.

When you toggle the settings you will be asked to authenticate yourself before the settings are changed. Upon successful authentication, the settings will be applied in real-time.

For more information call the customer care of RBL Bank on 022 6115 6300.

Standard Chartered Bank

How to Enable Contactless Payments on Standard Chartered Bank Cards?

Enable Contactless Payments on Standard Chartered Bank Cards

You can enable or disable contactless payments of Standard Chartered Card online. For this, you can use the internet banking portal and the official mobile banking app of the bank.

  1. Open the official website of Standard Chartered Bank India.
  2. Log in to your internet banking account.
    Click on Help & Services - SC India
  3. Click on “Help and Services” from the left sidebar of the interface.
    Click on Manage Card Usage - SC India
  4. Choose “Manage Card Usage”.
    Select Your Card - SC India
  5. Select the debit card of your choice.
    Select Between Domestic and International Usage - SC India
  6. Now select between international or domestic transactions.
  7. Scroll down and look for “Contactless Transactions”.
    Toggle the Button - SC India
  8. Toggle the button to enable or disable.
  9. Click on the “Save” button.

When you click on the Save button the system may ask you to authenticate yourself. For this, you may receive an OTP on your registered mobile number.

The preferences will be updated in real-time as you toggle the button between enable and disable. In step number 6 you can choose between international and domestic usage.

State Bank of India

How to Enable Contactless Payments on State Bank of India Cards?

Enable Contactless Payments on State Bank of India Cards

You can update the contactless payments settings of your SBI card online. This can be done with the help of internet banking. And also using the YONO and YONO Lite app.

If you want to manage the contactless settings of your State Bank of India credit card. Then you can log in to the SBI cards website or use the SBI Cards app.

To enable or disable contactless payments on your SBI debit card you can follow the instructions given below.

  1. Open the official website of the State Bank of India.
    Login to your SBI Account
  2. Log in to your internet banking account.
  3. Click on “e-Services” → “ATM Card Services”.
    Click on ATM Card Services
  4. Select “ATM Card Limit/Channel/Usage” from the services.
  5. Select your bank account in case you hold multiple accounts and click on “Continue”.
  6. Choose the card of your choice from the list.
  7. Select “Change Usage Type” from the drop-down menu.
  8. From the next page click on “NFC Usage” and click on the “Submit” button.
  9. Toggle the settings between enable and disable and click on “Submit”.

After clicking on the “Submit” button, you will receive a high-security password on your mobile number. Enter it correctly to change the settings.

For more information call the customer care of State Bank of India on 1800 425 3800.

Video Tutorial

My Bank’s Name is Not Mentioned Here

As I have already mentioned that the major banks are covered. I was not able to cover all the banks because of a lack of available information online.

Whichever bank has information about the contactless payments technology on its official website. And the other information I could get on the internet has been used as the resource of this article.

If you have received the card from your bank which has the contactless symbol on it. But if your bank’s name is not mentioned here.

Then there is no need to worry.

Just login into your internet banking account, go to the debit cards section, choose your debit card. And open the limit management section.

Limit management of the card is where you can enable and disable this feature. This remains the same with the mobile banking app as well.

Conclusion

This is everything you should know about contactless payments. And how you can enable and disable it on your card. Always keep in mind that you should never share your card’s details with anyone. For more help and information, you call the customer care of your bank.