What Is 16 Digit Number on Debit Card?

The growing popularity of plastic money has made Debit Cards essential to our everyday lives. From cash withdrawals at ATMs to making online and offline payments, Debit Cards have simplified our lives and streamlined our finances.

Looking at your Debit Card, you’ll see a 16-digit number on the card. What is this 16-digit number on a Debit Card? Did you know this 16-digit number is vital for its functionality and security? Let’s get to know about this in detail:

The Debit Card number plays a critical role in the card’s functionality and security. For instance -

• When a Debit Card is used for payments, the card number enables the payment system to know which network company has issued the card.
• The card number also offers information related to the cardholder’s bank account
• Moreover, the number also aids in preventing fraudulent activities

The 16-digit Debit Card number reveals various details if you know how to understand them. Take a look below.

• The 1^st Digit - The 1^st digit of a Debit Card is known as MII (Major Industry Identifier). It can be used to identify the  network.
  • Banking and Finance (Visa)
  • Banking and Finance (MasterCard)
  • Banking and Finance ( RuPay)
• 1^st Six Digits - The first six digits are together known as IIN (Issuer Identification System). The numbers can be used to identify the card issuing Bank. For instance, if the 1^st six digits of a Debit Card are ‘429060’, it is a Visa Signature Debit Card issued by AU Small Finance Bank.
• 7^th to 15^th Digit - The 7^th to 15^th number represents the cardholder’s unique bank account number to which the Debit Card is linked.
• 16^th Digit - It is known as the checksum digit and is used to verify the validity of the Debit Card.

Now that you know the meaning of a Debit Card number, let’s take a quick look at how you can apply for a new Debit Card -

• You can apply for a Debit Card online or offline at the time of opening a new Savings Account
• The Welcome Kit you’ll receive from the bank on opening the new account will include the Debit Card and detailed information about the features and applicable schedule of charges
• Once you have your new Debit Card, you can activate it and set your card PIN online or offline
• After generating the PIN, you can start using your Debit Card to withdraw cash from ATMs and make online/offline payments

Read More: - How to Apply for a Debit Card

AU Small Finance Bank offers a wide array of Debit Cards, including:

• AU Royale Business Debit Card
• AU Royale World Debit Card
• AU Royale Debit Card
• AU Visa Platinum Debit Card
• AU Visa Business Platinum Debit Card
• AU RuPay Platinum Debit Card
• AU RuPay Classic Debit Card
• AU Visa Business Gold Debit Card
• AU Visa Gold Debit Card

If you have a Savings Account with us, you can apply for a Debit Card online easily. For the offline application process, you can visit our bank branch or call on our customer care number at 1800-1200-1200.