Debit Card: Expiry Date, Renewal Process & More

Nowadays, using a debit card is more practical than carrying large amounts of cash. However, the validity of ATM cards is limited, so you will need to renew them eventually. If you're wondering, ‘How to renew debit card’ or ‘How to renew ATM card online’, here’s how.

Allow me to walk you through the procedures for what to do when your debit card expires.

What is Debit Card Expiry Date?

The debit card expiry date is the date on which the debit card ceases to function. Debit cards are issued with an expiry date, printed on the front or back of the card. 

The exact date is not specified, however, the month and the year it expires are printed on the card. The card expires on the last day of the month. 

For example, if the expiry date given is 12/25, then the card will expire on the last day of December 2025. 

How to Renew Debit Card?

Debit card renewal generally happens automatically. As the expiry date approaches, you will receive an email from your bank notifying you of the new card/replacement. 

You may receive the new card a month before the old card expires. Check your mail constantly as the debit card expiration date approaches. 

If you don’t receive a replacement card with a new expiration date, you can follow the below methods to request an ATM card renewal. 

Online Banking

All banks allow customers to apply for a new card using the respective bank’s net banking portal. 

Bank

Another method to renew a debit card is directly approaching the bank. 

Customer Care

Banks set up unique customer numbers to help their customers conduct banking activities with ease. You can call the customer service number of your respective bank and request a debit card renewal through the call. Once your identity is verified, you will receive a new card within a month. 

It is not possible to use the debit card past its expiration date. However, your expired cards can be used to conduct fraud. Hence, ensure you destroy the old card once you receive the new card. 

Why Do Debit Cards Expire?

Now that you know how to renew ATM card, let us understand why debit cards expire. There are several crucial reasons why your card's expiration date matters. They ensure your card is in good condition and help keep your information safe in addition to keeping you informed of the latest offers from your issuer.

Here are some reasons why debit cards are designed to expire. 

Conclusion

Debit cards expire every few years and we have to request a new card every time the card expires. In order to accommodate new features, security protocols, and technological advancements that prevent fraudulent activity, debit cards expire.

You can conveniently request a new debit card through online banking, customer service, or a physical bank visit. Just make sure to bring identification, proof of address, and debit card details with you for an easy verification process. 

FAQs

Yes. You can renew your expired debit card by requesting debit card renewal using net banking, customer service number or directly approaching the bank. 

No. It is not possible to use expired debit cards a they stop functioning past their expiry date. You have to renew your card to re-use it. 

You can renew your debit card online using the net banking portal of your respective bank. 

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