Home

Gold Rewards**

We reward you each time you use your db International Gold Debit Card to make purchases at merchant establishments. You earn 0.75 point each time you spend Rs. 100 on your debit card. All you need to do is accumulate 250 points within 1 year before redemption.

Each point can be redeemed for Re. 1 and you can redeem your points for a cash credit to your bank account. All you need to do is call up our 24/7 phone banking team at 1860 266 6601^# and request for a redemption.

Petrol Surcharge Waiver

Normally, if you use your debit card to purchase fuel, you will be levied a surcharge of 2.5% on the transaction amount. However, if you are a db International Gold Debit Card customer, this charge will be waived* at all petrol pumps across the country.

* Please note:

• The maximum petrol surcharge waiver per Deutsche Bank Gold Debit card in a calendar month will be restricted to Rs.150.
• In case customer has crossed the threshold of Rs.150 in a calendar month, his/her account will be debited for the differential amount in the same month or in the subsequent months at the discretion of the Bank. In case sufficient balance is not available in the a/c to absorb the debit, in addition to the exercise of other rights of the Bank, a lien will be marked in the customer's a/c and the debit will be posted as and when balance is available.

# Customers outside India need to dial +91 22 6601 6601. Customers in Mumbai can also call at 6601 6601. Call charges apply.

Reward Points - Terms and Conditions

Flexible Limits

Deutsche Bank AG, India gives you the flexibility to decide the daily limit you want for transactions at ATMs and merchant establishments using your gold or classic debit card. You have a choice of four different daily limits (Rs. 25,000, Rs. 50,000, Rs. 100,000 and Rs. 150,000) from which you can select your preferred option at the time of opening your account.

Total Protection

Most banks cover you for fraudulent transactions that have been carried out on your card only after you report the loss to the bank.

At Deutsche Bank AG, India (“Bank”), we understand that often you may not realize that your card is lost until you notice unauthorized transactions in your bank account. Which is why, we cover all the fraudulent transactions that may take place on your card for 30 days prior to reporting and 7 days post reporting the loss to the Bank.

You need to report the loss of your db International Debit Card to the Bank by calling our 24/7 phone banking team on 1860 266 6601^# in your city or visit your nearest branch counter immediately on such loss. The Bank will deactivate the card immediately to prevent misuse.

In case of misuse, you also need to send the following documents to us:

• FIR report duly acknowledged by a police officer
• Letter giving details of the loss or disputed transactions
• Copy of Bank account statement highlighting the disputed transactions
• Duly filled claim dispute form (available at any db branches)

The liability per card shall be restricted to the maximum of Rs. 2.5 lakhs and you will be covered for all losses up to a maximum of 30 days prior to reporting the loss. On receipt of communication from you regarding your lost or stolen debit card along with the requisite documents, the Bank is authorised to conduct its own investigation in respect of such lost or stolen card. If such investigation reveals any direct or indirect involvement of the cardholder or cardholder's relatives or employees or colluding third parties, the Bank is authorised to take appropriate action against the cardholder in addition to refusing to give benefit of 'Total Protection**' to the cardholder. The findings of the Bank’s investigation shall be final and binding on the cardholder. Total Protection is subject to the terms and conditions of the applicable insurance policy.

The cardholder will get the benefit of this policy only if:

• The card account is in good standing
• There are not more than 2 unauthorised transactions on the debit card of the cardholder during the last 12 months, prior to reporting the loss of the debit card.
• The cardholder proves that he was not negligent in safeguarding the debit card and the claim is not fraudulent.

Acceptance at ATMs in India and Abroad

Acceptance at ATMs in India

Your db International Classic & Gold Debit Card gives you acceptance* at 58,000 Visa ATMs, over 15000 Cashnet ATMs & 81000 NFS ATMs in India. You are eligible for maximum Five^## free transactions in a month at non Deutsche Bank Visa ATM in the country.

Acceptance at ATMs Abroad
Global ATM Alliance for the International Traveler:
Normally when you use your debit card abroad you have to pay an ATM access fee and a machine level surcharge***.

Our Global ATM Alliance with leading international banks enables us to offer free ATM transactions abroad. As part of this alliance, you will not have to pay any cash withdrawal fees at over 30,000 ATMs of the following banks in 40 countries:

• Deutsche Bank ATMs worldwide
• Bank of America in USA
• Scotia Bank in Canada, Chile, Mexico and Caribbean Islands
• BNP Paribas in France
• Barclays Bank in UK and Africa
• WestPac in Australia, New Zealand and South Pacific

* These limits are subject to availability of funds in the linked accounts and general terms and conditions for use of debit cards apply.

*** Machine level surcharge: Some banks levy a surcharge for use of the ATM abroad which is over and above the ATM access fee.

** Conditions apply. Please refer to the terms and conditions of the applicable insurance policy for further details.

# Customers outside India need to dial +91 22 6601 6601. Customers in Mumbai can also call at 6601 6601. Call charges apply.

## The number of free transactions can be more depending on your relationship with Deutsche Bank.

Fees

Your db International Gold Debit Card comes to you at a joining fee of Rs. 500 only* . Please contact your nearest Deutsche Bank AG, India branch for further details.

* Annual charges may apply. Please refer to the 'Schedule of Charges'

** Service tax applicable

Eligibility

You can apply for a db International Gold Debit Card if you meet the following requirements:

• 18 years of age
• Either of the following relationship with Deutsche Bank:
  • Savings account
  • Current account (sole proprietorship, partnership)
  • Corporate payroll account
  • NRE account

The operating instructions of the account with Deutsche Bank should be 'single' or 'either' or 'survivor'.

 

International Debit Card Offers

 

Domestic Debit Card Offers