What is the Bank RuPay EMV Contactless Kisan Card?

The contactless card is a fast and secure way for everyday purchases. It contains a secure, contactless chip technology which allows you to spend less time at the checkout counter saving you time.

How does the RuPay EMV Contactless Kisan Card work?

• 1) Look for contactless logo at the point of sale (POS).
• 2) Present your card to the cashier at the terminal. The transaction amount will be displayed on the contactless reader.
• 3) Tap your card near the card reader or POS. (Within 4 centimeters of where the contactless logo appears).
• 4) A green indicator light or beep will appear when the transaction is complete. A message indicating the completion of the transaction will also be displayed on the screen. No PIN is required for transactions under Rs. 5000.
  Please note that in India, for transactions made through the Kisan card contactless mode, you have the authority to transact up to Rs. 5,000/- for one transaction without a PIN.

What are the benefits?

• The contactless payment feature is designed for your convenience, offering quick and secure transactions.
• There's no need to insert, swipe, or enter a PIN for your card at any place. You can make payments in seconds. It's especially convenient for use at fast food joints, petrol pumps, cinemas, etc.
• Since it's contactless, your card stays in your hand, reducing the risk of skimming and card loss. Due to its unique, embedded secret, it's more secure.
• You don't need to carry cash for everyday small purchases. This also makes it easier to track your expenses.

Is there a limit to contactless transactions? Can I set a limit for my card?

For contactless transactions, you are allowed transactions up to Rs. 5,000/- in India. For transactions exceeding Rs. 5,000/-, you will be asked to provide your Kisan card PIN. This amazing limit is for all customers. Setting a limit higher than this is not possible.

Is there any difference in the process for ATM and online transactions for these contactless Kisan cards?

There is no difference in the process for ATM or online transactions with regard to card not present processes. For ATM transactions, you need to enter a PIN, and for card not present transactions, you need to enter your 3D Secure PIN or OTP.

Guidelines and Security for your EMV Contactless Kisan Card

• Sign on the back of the card immediately upon receipt of the signature panel.
• Use your card immediately at any ATM within the NFS network to create a new four-digit PIN of your choice.
• Remember your PIN and destroy the PIN mailer.
• Avoid writing your PIN on your card. Memorize it instead.
  Do this
• Keep your PIN confidential.
• Change your PIN regularly, preferably every three months.
• In case your card is lost or stolen, call our customer service numbers 9404334911, 9067334911 between 11:00 AM to 6:00 PM on working days or visit the nearest branch and request to block your card.
• Keep your card away from direct sunlight.
• Keep your card away from televisions and magnetic products.
• If you have two cards, ensure that the magnetic strips of both cards do not come into contact with each other.
• Use the Card Safe mobile app to change your PIN.
  Don't do this
• Do not hand over your card to anyone.
• Do not disclose your PIN to anyone (family members, your bank, or any bank employee).
• Keep your card in a place where you will immediately notice if it is missing, ensuring you notice immediately if lost.
• Refrain from seeking assistance from anyone at the ATM under any circumstances.
• Do not allow anyone to observe you while entering your PIN. Ensure you are alone when conducting your transaction at the ATM.
• Always use your EMV chip card to enjoy enhanced security of your transactions.
• For added security, avoid swiping your EMV chip card at enabled terminals.
• Do not remove or tamper with the previous magnetic stripe of the card or affix anything on it.
• Do not share your card.
• Do not share your PIN with anyone (family members, your bank, or any bank employee).
• Any requests for financial/personal/Kisan card-related information from the Jalgaon District Central Cooperative Bank Ltd. are never made via phone or email. Ignoring such requests may lead to fraudulent activities.

Using Your Card at ATMs

You can use your card at any ATM belonging to another bank within the NFS network. The RuPay logo on the ATM indicates it is part of the NFS network. Here's how you can use your card. India has around 2.6 lakh ATMs.

• Step 1: Insert your card into the ATM slot. If the ATM has a dip reader, insert and remove the card. If it has a motorized card reader, your card will remain in the ATM until the transaction is complete.
• Step 2: The ATM will prompt you to select your preferred language.
• Step 3: Next, the ATM will prompt you to enter your PIN.
• Step 4: Upon correct entry of your PIN, you will be presented with a list of options such as Cash Withdrawal, Fast Cash, Balance Inquiry, Mini Statement, Change PIN. Choose your desired transaction.
• Step 5: During cash withdrawal, the amount will be Kisaned from your Jalgaon District Central Cooperative Bank Ltd. account online.
• Step 6: After completing the transaction at a motorized card reader ATM, retrieve your card promptly. If the card is not removed within 30 seconds, it will be retained by the ATM machine. In such a case, please contact the branch with an attached ATM or the branch issuing the card immediately.
  Note
• You can withdraw a minimum of Rs. 100/- to a maximum limit of your card type from your card. Please refer to the tariff sheet for applicable charges.
• Use your PIN appropriately at ATMs. If you incorrectly enter the PIN three times, your card will be blocked for one day. In such a situation, contact the bank immediately.
• The bank is not responsible for any unauthorized transactions on the card.
• Important: As per RBI guidelines, any amount dispensed by an ATM cannot be taken back by the ATM. Any uncollected amount will be accepted by the person who collects it later. The bank is not responsible for any financial losses.

Using Your EMV Contactless Kisan Card for Merchant Establishments

• Step 1: Your card can be used at merchant establishments displaying the RuPay logo.
• Step 2: Swipe your card on the merchant POS terminal and enter the purchase amount.
• Step 3: You will be provided with a PIN pad. Enter your PIN, which you use at ATMs for cash withdrawal.
• Step 4: At the POS terminal of the merchant, your transaction will be processed, and a charge slip will be printed.
• Step 5: Verify the amount on the charge slip and sign on the merchant copy.
• Step 6: The merchant will retain the charge slip and return your card.

RuPay EMV Contactless Kisan Card for E-commerce/Online Transactions Usage

• Open the merchant website, select the merchant goods/services for purchase/receive, and click on proceed/checkout.
• On the payment options page, provide cardholder information and submit the details.
• The RuPay Kisan cardholder will receive a one-time password on the registered mobile. The cardholder will input this OTP on the OTP page, which will be prompted on the merchant page.
• After entering the PIN, the cardholder will be notified of successful transaction. Also, the card will be considered "registered" for online transactions.
• Tip: If the transaction is successful, the card/cardholder will be registered for online transactions.

Understand Your RuPay EMV Contactless Kisan Card

Personal Identification Number (PIN): A secret four-digit number used for card transactions at ATMs and POS terminals.
Card View Section

1. 1. Kisan Card Number: This is your 16-digit card number. Please note that mentioning this number in all your future correspondence with the bank is essential.
2. 2. Your Name: You are the only authorized user of your Kisan card. Regarding personal cards, please check that your name is correctly printed on your RuPay Kisan card. If not, contact your branch immediately. (If your card is an instant card, no name might be printed on it)
3. 3. Expiry Date: The RuPay Kisan card remains valid from the date received until the last day of the indicated year and month.
4. 4. RuPay Logo: Your RuPay Kisan card is usable at RuPay logo displayed ATMs and merchant establishments in India.
5. 5. EMV Chip: The chip embedded in your RuPay Kisan card helps in secure transactions and protection against fraud.
6. Card's Rear Section
7. 1. Magnetic Stripe: This section is crucial for RuPay Kisan card-related confidential information. Please protect it from magnetic damage.
8. 2. Signature Panel: Please immediately sign on the signature panel with a ballpoint pen (preferably black) as soon as you receive the card.
9. 3. CVC 2: This is a 3-digit number present at the back, below the signature panel. It is a supplementary security feature for CNP (Card-Not-Present) transactions. It is necessary for all e-commerce transactions.

Terms and Conditions

1. 1. The bank reserves the right to accept or reject any transaction. The cardholder cannot repudiate any information provided through this card medium after the transaction has been initiated.
2. 2. The bank reserves the right to start any new service for the card and to terminate any existing service as and when required.
3. 3. The bank reserves the right to change terms and conditions of ATM and POS services anytime.
4. 4. The bank retains all rights regarding changes in tariff (rates).