Getting Started

These Terms and Conditions are for DCB STASHFIN Prepaid Cards issued by STASHFIN to its Customers in collaboration / cobranding with DCB Bank. In these Terms and Conditions ‘STASHFIN’ denotes the brand owned by EQX Analytics Private Limited, a Private Limited Company incorporated under the Companies Act, 2013 (CIN:U67190DL2016PTC290928) and having its Registered Office at 58, First Floor, Arjun Nagar Kotla Mubarakpur, New Delhi - 110003 , 'DCB Bank' denotes DCB Bank Limited, a Banking Company incorporated under the Companies Act, 2013 (CIN: L99999MH1995PLC089008) and having its Registered Office at 601 & 602, Peninsula Business Park, 6th Floor, Tower A, Senapati Bapat Marg, Lower Parel, Mumbai – 400 013,‘DCB STASHFIN Card’ or ‘DCB STASHFIN VISA Card’ denote DCB STASHFIN Prepaid Card and 'you' or ‘Cardholder’ denotes the DCB STASHFIN Prepaid Card-holders. Please make sure you have read the DCB STASHFIN Prepaid Card Terms and Conditions carefully before using the DCB STASHFIN Card. By using the DCB STASHFIN Card you are unconditionally and irrevocably accepting the terms and conditions as listed hereunder and as appearing on the DCB Bank website ‘www.dcbbank.com’ and will be bound by them at all times. By using the DCB STASHFIN Card you also accept the onus of ensuring compliance with the relevant Reserve Bank of India (RBI) Regulations, and the rules and regulations framed by the RBI, as amended / modified from time to time and any other corresponding enactment / law in force from time to time.

The Cardholder acknowledges and understands that the DCB STASHFIN Card is being issued on the basis of his/her application.

The DCB STASHFIN Card is valid for 2 (two) years from the date of manufacturing printed on the DCB STASHFIN Card.

The issue and use of the DCB STASHFIN Card shall be subject to the rules and regulations as issued by STASHFIN, DCB Bank and the Reserve Bank of India and other regulators from time to time.

The DCB STASHFIN Card shall be valid only for transaction at Point of Sale (POS), all VISA ATMs and at online merchants (i.e. for Ecommerce transactions) within India as permitted by DCB Bank from time to time.

The DCB STASHFIN Card will be at all times the property of DCB Bank and shall be returned to DCB Bank unconditionally and immediately upon DCB Bank's request. The Cardholder is requested to ensure that the identity of the DCB Bank's Officer is established before handing over the DCB STASHFIN Card.

The STASHFIN DCB Card is not transferable or assignable by the Cardholder under any circumstances to anyone.

You must sign on the reverse side of the DCB STASHFIN Card immediately upon receipt. You must not permit any other person to use it and should safeguard the DCB STASHFIN Card from misuse by retaining the DCB STASHFIN Card under your personal control at all times.

The Personal Identification Number (PIN) issued to the Cardholder to use the DCB STASHFIN Card at POS, VISA ATMs and online merchants. The PIN may be any number chosen by the Cardholder as a PIN and will be known only to the Cardholder and is for the personal use of the Cardholder and is non-transferable, non-assignable and strictly confidential. A written record of the PIN number should not be kept in any form, place or manner that may facilitate its misuse by a third party. The PIN should not be disclosed to staff of STASHFIN, DCB Bank or to merchant establishments or to any third party, under any circumstances or by any means whether voluntary or otherwise.

The DCB STASHFIN Card will be debited immediately with the amount of any withdrawal, transfer and other transactions effected by the use of the DCB STASHFIN Card. Additionally, the transaction charges and/or tips, surcharge or exceptional transaction charges would be debited to Your Account subsequently at a later date. The Cardholder shall ensure that he/she has/had sufficient balance on the DCB STASHFIN Card to meet any such transactions.

The Cardholder shall not be entitled to use the DCB STASHFIN Card in excess of the sufficient balance in the DCB STASHFIN Card.

The Cardholder shall be responsible for transactions effected by using the DCB STASHFIN Card whether authorized by the Cardholder or not, and shall indemnify STASHFIN and DCB Bank against any loss or damage caused by any unauthorised use of the DCB STASHFIN Card or related PIN, including any penal action arising there from on account of any violation of RBI guidelines or any other law being in force in India and State continent / territory law being in force in India notwithstanding the termination of this arrangement.

You hereby undertake to destroy the DCB STASHFIN Card on its expiry or closure by cutting it into several pieces through the magnetic strip. You may call STASHFIN or DCB Bank for DCB STASHFIN Card renewal, reissue or closure before expiry. DCB Bank reserves the sole right and discretion of renewing your DCB STASHFIN Card account on its expiry.

The Cardholder shall inform DCB Bank in writing about any irregularities or discrepancies that exist in the transaction details at an ATM or merchant establishment within 7 (seven) days of the transaction processed. If no such notice is received during this time, STASHFIN and DCB Bank shall assume the correctness of transactions.

Transaction fees wherever applicable as per the Schedule of Charges hereunder for cash withdrawals, balance inquiry and/or other transactions, may be debited to the DCB STASHFIN Card at the time of posting debit entry of the transaction amount or at the end of day.

The charges / fees applicable on the usage of the DCB STASHFIN Card maybe revised or changed by STASHFIN or DCB Bank from time to time without prior intimation to the Cardholder(s).

Any charges / fees appearing in this terms and conditions does not include service tax and, or any other cess or taxes. The same may be collected in addition to such fees or charges as applicable from time to time.

In the event that the DCB STASHFIN Card is lost or stolen, the occurrence must be reported to DCB Bank Emergency Number (mentioned at the back of the card) immediately by fastest means of communication followed with a written communication. A copy of the acknowledged police complaint must accompany the said written communication.

You hereby undertake to indemnify DCB Bank fully against any liability (civil or criminal), loss, cost, expenses or damage that may arise due to loss or misuse of the DCB STASHFIN Card in the event that it is lost and not reported to DCB Bank, or lost and misused before DCB Bank is informed. Provided you have complied with the terms and conditions in all respects, a replacement DCB Prepaid Card may be issued at the discretion of DCB Bank or STASHFIN at the applicable fee.

If it is determined that you were grossly negligent or fraudulent in handling of the DCB STASHFIN Card, DCB Bank would not entertain any request for refund / reimbursement of fraudulent usage of the lost / stolen DCB STASHFIN Card. If any amount is erroneously credited to your DCB STASHFIN Card based on your representation and/ or any information provided by you and/or otherwise, DCB Bank would recover the amount from you without any prior notice. You hereby undertake to indemnify DCB Bank fully against any liability, loss, cost, expenses, damage that may arise due to your negligent or fraudulent handling of the DCB STASHFIN Card.

Should you subsequently recover the lost DCB STASHFIN Card, as it cannot be used, please destroy such DCB STASHFIN Card by cutting it into several pieces through the magnetic strip.

In case of purchase transactions, a sales slip with the signature of the Cardholder together with the DCB STASHFIN Prepaid Card number noted thereon (by masking some of the digits for confidentially reasons) shall be conclusive evidence between DCB Bank and the Cardholder as to the extent of the liability incurred by the Cardholder and DCB Bank shall not be required to ensure that the Cardholder has received the goods purchased / availed of the service to the Cardholder's satisfaction.

DCB Bank shall make bonafide and reasonable efforts to resolve an aggrieved Cardholder's disagreement with an applicable charge indicated in the account statement or as otherwise determined by the Cardholder within two (2) months of the receipt of notice of disagreement. If after such effort DCB Bank determines that the charge is correct, then it shall communicate the same to the Cardholder.

DCB Bank accepts no responsibility and liability for the refusal of any establishment / merchant to honor the DCB STASHFIN Card.

This arrangement will be construed in accordance with and governed by the laws of India. All disputes are subject to the exclusive jurisdiction of the Courts of Mumbai in India irrespective of whether any other Court may have concurrent jurisdiction in the matter. The mere fact that any service can be accessed through internet, mobile or phone by the Cardholder in a country other than India shall not be interpreted to imply that the laws of the said country govern these terms and conditions and/or the operations in the said accounts of the Cardholder and/or the use of any of these services.

The Cardholder will be liable and responsible for all the costs associated with the collection of dues, legal expenses (should it become necessary to refer the matter to any agent/advocate), or where legal resources have been utilized in the resolution of a dispute.

Verified by Visa provides you with a way of increasing security for online transactions by reducing the chances of fraud for those transactions. Registering for Verified by Visa involves providing personal information to DCB Bank, which is then used to confirm your identity for future online transactions for which Verified by Visa is used. Verified by Visa also may be used for record keeping and reporting purposes, as well as to help resolve transaction disputes.

You acknowledge and agree that, except as otherwise provided by any applicable laws, STASHFIN and/or DCB Bank shall not be liable and responsible for any loss or damage arising from your failure to comply with these Terms and Conditions.

You agree that STASHFIN and/or DCB Bank shall not be liable and responsible to you or to any third party for any modification, suspension or discontinuance of Verified by Visa.

Under no circumstances will STASHFIN and/or DCB Bank be liable and responsible for consequential, incidental, special or indirect losses or other damages, such as any damage to your computer or telephone service resulting from your use of Verified by Visa.

STASHFIN and/or DCB Bank will assume no responsibility for, and will not be liable for, any damages to, or any viruses which may affect, your computer equipment or other property on account of your access to, use of, or downloading from, the said Website.

You agree that 'online alerts' are sent by DCB Bank to the Mobile number registered for SMS alerts with DCB Bank and you shall take steps to get registered for 'SMS alerts' to receive alerts for transactions done on your DCB STASHFIN Card.

You expressly understand and agree that any software obtained through the use of Verified by Visa is downloaded and used at your own discretion and risk/responsibility and that except as otherwise provided in these Terms and Conditions, you will be solely liable and responsible for any damage to your computer system or loss of data that results from the download or use of any such software or other materials through Verified by Visa.

Except as otherwise required by any applicable law, DCB Bank makes no representations or warranties about Verified by Visa of any kind, express or implied, including any warranties as merchantability or fitness for a particular purpose. Verified by Visa is provided and made available to you on an “as is” basis.

DCB Bank, at its discretion may reduce or waive any of the fees mentioned below. Such offers shall be communicated at the time of sourcing. The aforementioned Terms and Conditions together with below mentioned Schedule of Charges are subject to change from time to time at the sole discretion of DCB Bank. For updated Terms and Conditions, you may visit DCB Bank's website www.dcbbank.com:-

Particulars Amount^
Annual fee / maintenance charge Nil
Card issuance fee Nil
Card replacement fee Rs. 100.00
Cash withdrawal at ATM Every month First 3 withdrawals free; Thereafter per withdrawal - Rs. 20.00
Card reload fee Nil
Card personalization fee For First time - free; Thereafter per personalization - Rs. 250.00
PIN regeneration fee on App Nil
Balance enquiry at ATM Rs. 8.00
Balance enquiry on App Nil
Transaction history on App Nil
Block/ unblock card on App Nil

*Service Tax as applicable will be levied on all the fees and charges mentioned above.

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