- The document provides guidance on training beneficiaries in cashless transactions using debit cards. It explains what a debit card is, how to obtain one, and how to use it to withdraw money from ATMs and make purchases both in stores and online. The steps provided include inserting the card, entering the PIN, selecting the amount for withdrawal or confirming the purchase amount, and collecting receipts. It also addresses common questions about debit card usage. The overall aim is to educate beneficiaries and make cashless transactions easy and comfortable.

1. Financial Literacy Curriculum
- Debit Cards -

2. Guidance note for
Trainers / Volunteers

3. Objective
• To facilitate financial inclusion
through provision of two
essentials i.e. literacy and
easy access of money in a
cashless Environment.
• To sensitize the beneficiary on
the various tools available to
him/her to make his/her
transactions completely
cashless.

4. Tools to Cashless Transactions

5. Prerequisites for Beneficiaries
• The beneficiary should be literate enough to solve basic mathematics
• The beneficiary should ideally have at least a basic phone with basic
internet connectivity and knowledge of how to operate it
• The beneficiary should have a bank account in at least one of the
recognized banks
Good to have:
• A debit card from the bank

6. Prerequisites for Volunteers and training
• Volunteers need to carry their own smartphones when visiting
beneficiaries
• Volunteers need to be completely aware and comfortable with at
least one option from among the tools mentioned earlier
• Volunteers need to train only on those tools in which
they think they are most comfortable
• Volunteers must remain with their beneficiaries
through open transactions, in order to ensure
they are completed properly

7. Parameters of Success
• The beneficiary needs to feel in total control and completely
comfortable of his/her money while using at least one of the cashless
modes of transactions
• The process to be made completely sustainable for beneficiary and
his /her family to start using the cashless systems

8. The Curriculum Modules
• Debit cards
• eWallets
• UPI
• USSD
• Aadhar Enabled Payment System (AEPS)

9. About the Curriculum
The Curriculum gives an in-detail, step by step process to make people
comfortable with all of the cashless transaction tools
• The curriculum will start with a basic video to sensitize both volunteers and
beneficiaries on how easy the transactions can be introducing everyone to
the cashless tools
• This will be followed by an interactive slide based session on where can the
tool be used and what problems does it solve
• This will be followed by a step by step process for registration and usage of
the tool
• Last section will be about the FAQs that may come up for each tool

10. Debit Cards

11. What is a Debit Card?
A plastic card used to withdraw cash from the ATM or pay directly to
any retail / kirana shop, if they have a debit card machine
Is it Free?
A basic debit card is provided free to all bank account
holders but some banks like Axis Bank charge for
services like balance notifications etc.

12. Where can I use my debit card?
• All kind of retail / Kirana outlets
• Online shopping
• Payment of electricity/water/gas bills
• Purchase of Train / Plane tickets
• Petrol

13. How to get a Debit Card!

14. How to get a Debit Card!
Step 1 – Go to your bank from where
you got your bank account made

15. How to get a Debit Card!
Step 2 – Tell the bank staff that you
want to apply for a FREEbank debit
card with your account

16. How to get a Debit Card!
Step 3 – The Bank will give
you a form to complete.
- Fill up the form with complete address
and phone number
- If required, ask for assistance from the
Banker for the form

17. How to get a Debit Card!
Step 4 – Read the form once more and
check if all the fields have been correctly
filled.
After that, sign the form (or give a thumb
print)

18. How to get a Debit Card!
Step 5 – The debit card
will be either given to you
right after you submit the
form or will be delivered
at your house address

19. Step 6 – The Debit
card PIN will be sent
to your house
address later
(generally in one -two
week’s time)
Make sure that the PIN envelope is completed sealed
and not tampered with at all.
Complain to the bank immediately in case that
happens.
How to get a Debit Card!

20. Stop! First, what is a PIN?
•Like there is a key to the lock,
PIN is the key to your
bank account.
! Never share it with anyone !

21. Step 7 – You get a
notification on your
registered phone that
you have received the
PIN and the card.
How to get a Debit Card!

22. How to get a Debit Card!
Step 8 – Learn your
PIN by heart and then
tear the PIN letter into
pieces and destroy it.
! Always remember the PIN !

23. How do I use my new debit card
in an ATM?

24. How to use Debit card in an ATM
Step 1- Go to an ATM
near you (preferably
your own bank ATM)

25. How to use Debit card in an ATM
Step 2 – Insert the
card into the ATM
machine. The
machine recognizes
you and welcomes
you with your name

26. How to use Debit card in an ATM
Step 3 – Choose the
option to withdraw
cash

27. How to use Debit card in an ATM
Step 4 – The ATM
Machine asks you to
enter your ATM PIN.
Key In your PIN and
press enter

28. How to use Debit card in an ATM
Step 5 – The ATM
Machine then asks
you to enter the
amount you need to
withdraw. Key in the
amount and press
enter

29. How to use Debit card in an ATM
Step 6 – The Money comes out of
the ATM Machine with a slip of the
money withdrawn and balance
remaining.
Collect the money and
the slip and remove the
card from the machine

30. How do I use my new debit card at
Retail Stores

31. How to Use Debit Card at Retail Stores
• Step 1 – At the shop, ask the
retailer / Shopkeeper, if he
accepts debit cards
• Step 2 – Once you are done
choosing items, ask retailer for
the final amount and a ‘Pakka
bill’
• Step 3 – Check the billed amount
and make sure that it is lesser
than your minimum account
balance.

32. How to Use Debit Card at Retail Stores
• Step 4 – Inform the retailer that
you will pay by debit card.
Insert your Debit card in
shopkeeper’s machine and let him
key in his details

33. How to Use Debit Card at Retail Stores
• Step 5 – He will key in the final
amount of your bill and ask you
to check it. Press enter once you
have checked it.

34. How to Use Debit Card at Retail Stores
• Step 6 – The next screen will
prompt you for your PIN. Key
in your PIN and
press enter.

35. How to Use Debit Card at Retail Stores
• Step 7 – The machine prints two
copies of the transaction receipt.
The shopkeeper keeps his copy
and gives you your copy

36. How to Use Debit Card at Retail Stores
• Step 8 – Your phone also
receives a message that the
billed amount has been
deducted from your bank
account.

37. How to Use Debit Card while
shopping online
• Step 1 – Go to your favorite
shopping site: Flipkart, Amazon,
Snapdeal etc.
• Choose the product you want to
buy and click ‘Buy Now’ or
similar button

38. How to Use Debit Card while
shopping online
• Step 2 – The site takes you to the
order page. Put in your correct
address and Mobile number
• Step 3 – The site takes you to the
payment page. Choose payment
method as Debit Card.

39. How to Use Debit Card while
shopping online
• Step 4 – The site asks you the debit card
details:
• Key in your debit card number
• Expiry Date of the debit card
• Name on the card
• CVV number (three digits below the black stripe
on the back side of your debit card)
• Then press ‘pay’ button

40. How to Use Debit Card while
shopping online
• Step 5 – The site takes you the
payment gateway.
• Make sure that you don’t close
the site on this page, otherwise
the transaction will not happen.
• Now you choose for OTP.

41. How to Use Debit Card while
shopping online
• Step 6 – Within a few seconds,
an OTP message comes to your
mobile phone.
• Never share this OTP with
anyone.
• Key in this OTP number on the
site and press ‘Submit’ or ‘Pay’
button.

42. How to Use Debit Card while
shopping online
• Step 7 – The payment gets
deducted from your bank
account and you receive a
message from the bank on the
same. The site shows the
message that the payment has
been done and the product will
be delivered to you in some
days.

43. FAQs
• What if I forget my PIN?
Contact your bank customer care and get a new PIN issued to you by post
• What I misplace my card?
Call your bank customer care number immediately and get your card blocked
• What if my card doesn’t work at a retailer’s machine?
You can check if your card is compatible to retailer’s machine, ie, A rupay card will
need a rupay machine, Visa will need a Visa machine etc.
• Can I use my son’s card?
While, its best use your own card, You can use your son’s / any other relative’s
card on complete trust.
• Can I make a debit card for my 14 year old daughter?
A minor cannot have a standalone debit card but you can create a joint account
and get a debit card which she may also use