Online shopping has made life so easy - everything you need is just a click away. But while we spend time picking the best deals and products, we often forget to think about how we pay. Debit cards are super simple to use.
They can do more for you than just making payments. They come with hidden benefits that can save you money and keep your shopping safe.
Let’s look at how you can get the most out of your debit card when shopping online.
Benefits of using debit cards for online shopping
Debit cards make online shopping simple, safe and easy to manage. Here’s how they can help:
1. Easy access to money
With a debit card, you can use the money that is already in your bank account. There’s no need to borrow or worry about paying bills later, like with credit cards. It’s a simple way to shop hassle-free.
2. Spend within limits
Debit cards only let you spend what’s in your account. So, you can’t overspend or go into debt. It’s a simple way to control your budget while enjoying online shopping.
3. Track transactions instantly
Every time you shop with a debit card, the payment shows up in your account right away. You can see exactly where your money is going. Some banks even send alerts for every transaction, so you’re always in the loop.
4. Stronger security
Debit cards come with safety features like OTPs (one-time passwords) and alerts to keep your account safe. If anything goes wrong, some banks even protect you from losing money in fraud cases.
5. Stay safe from scams
When you use your debit card on trusted websites, your information stays secure. Features like encryption and verified payment systems protect your details and help you shop without worrying about scams.
A short guide to securely use your debit card when shopping online
Shopping online is convenient, but it’s important to keep your debit card safe. Follow these simple tips to protect your money and personal details.
1. Buy from trusted websites
Always shop on well-known or verified websites. Look for “https” in the web address and a padlock icon, which shows the site is secure. Avoid clicking on ads or random links that redirect you to unfamiliar stores—they might be fake. Stick to trusted brands or marketplaces to minimise risks.
2. Watch out for suspicious emails and links
Be careful with emails or messages claiming to be from your bank or online shopping sites. Scammers often use these to trick you into giving away your card information. Don’t click on unfamiliar links and always avoid sharing sensitive details on websites you’re unsure about.
3. Keep your security software updated
Make sure your device has the latest antivirus software installed. This helps block malware or spyware that might steal your card details. Updates often include fixes for new security threats, so don’t ignore those notifications.
4. Turn on two-factor authentication
Enable two-factor authentication (2FA) for your online banking or shopping accounts. This adds an extra layer of security by requiring a code or confirmation on your phone before completing a payment. Even if someone gets your card details, they can’t use them without access to your second step.
5. Don’t save card details
Avoid storing your debit card information on shopping websites or apps. While it may seem convenient, saved details can be stolen in case of a data breach. Enter your card details manually each time for added safety.
6. Review your statements often
Regularly check your bank statements or app for any suspicious transactions. The sooner you spot unusual activity, the faster you can report it and protect your money. Many banks let you set alerts for every transaction, so you’re instantly informed.
7. Choose virtual cards for shopping online
Banks offer virtual debit cards for online use. These are temporary cards with limited-use details, making them safer than your primary card. Even if the virtual card is compromised, your actual account stays secure.
8. Report lost cards right away
If your debit card is lost or stolen, report it to your bank immediately. Banks will block the card instantly and issue a new one. Acting quickly can stop unauthorised transactions and keep your money safe.
Sign up for Kotak811 Debit Card for added benefits
Take your online shopping to the next level with Kotak 811 Debit Card. Enjoy seamless transactions, real-time tracking and advanced security features like complimentary insurance covers and contactless payments. With exclusive deals across various categories, it’s designed to offer convenience, safety and added value.
Say goodbye to financial stress and hello to smarter spending. Sign up today and experience the perfect combination of simplicity and benefits for all your shopping needs!
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This Article is for information purposes only. The views expressed in this Article do not necessarily constitute the views of Kotak Mahindra Bank Ltd. (“Bank”) or its employees. Bank makes no warranty of any kind with respect to the completeness or accuracy of the material and articles contained in this Newsletter. The information contained in this Article is sourced from empanelled external experts for the benefit of the customers and it does not constitute legal advice from Kotak. Kotak, its directors, employees, and contributors shall not be responsible or liable for any damage or loss resulting from or arising due to reliance on or use of any information contained herein.
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