IDBI Bank ItzCash Prepaid Card FAQs

1.       What is a Prepaid Card?

A Prepaid Card is a financial instrument which can be preloaded with a designated amount in INR for subsequent use as per Cardholder’s requirement. It empowers the customer and provides him control and convenience to use the card securely for online transactions at ItzCash Payment Gateways and for transactions at any online merchants, retail merchants (equipped with a point of sale terminal) and for ATM cash withdrawal The customer has to submit application form along with KYC documents (identity and address proof) for card up-gradation

2.       How do I get a Prepaid Card?

It’s easy to get a Prepaid Card – Visit your nearest ItzCash World Outlet to purchase the card. To locate an ItzCash World Outlet Click Here or

  1. SMS – FINDICW_IDBI_Pincode to 57575/720057575 (Note “_“denotes single space)
  2. Call – (0)7666155220
  3. E-Mail –

3.        What is an Essential Service Card

When you buy your card for the first time, it is an Essential Service Card i.e. it gives you access to

  1. Make Utility Bill payments, online
  2. Travel and Movie Ticket booking, online
  3. Mobile & DTH Recharge online

Note: Online transactions possible on ItzCash PG only

4.       Where can I use my Prepaid Card?

You can start using your Prepaid Card immediately for payments of bus, rail & air tickets booking online, movie ticket booking online, utility bill payments online, Mobile & DTH recharge online on ItzCash PG only. The maximum amount in the card cannot exceed Rs. 10,000 in a month and yearly limit of Rs. 1, 20,000. Once you have submitted your KYC documents, you can use your Prepaid Card at any MasterCard accepted ATM/POS/PG. Post card is upgraded, limits on the card will also increase from Rs 10,000 per month to Rs 50,000 at any point of time and a yearly limit of
Rs 2,00,000 (only address and identity proof required) and Rs 6,00,000 (Along with address and identity proof, PAN Card is mandate).

5.       What does upgrading my Prepaid Card mean?

Upgrading your Prepaid Card means submission of your address and identity proof and post verification of the same within 3 working days you can avail access to cash withdrawals from ATMs which accept MasterCard network.

6.       What are Know Your Customer (KYC) documents?

Know your customer (KYC) is a mandatory set of identity and address proof documents as prescribed by the Reserve Bank of India (RBI) and IDBI Bank that is required to upgrade your Prepaid Card as an Open Loop Card.

The following self-attested documents can be submitted as proof of identity: (Any one)

  1. Passport
  2. PAN Card
  3. Voter’s identity Card
  4. Aadhaar Card No.

The following self-attested documents can be submitted as proof of address: (Any one)

  1. Passport
  2. Voter’s Identity Card
  3. Aadhaar Card No.
  4. Telephone Bill
  5. Mobile Bill (post-paid)
  6. Latest Bank Account Statement issued by Nationalized / Scheduled Bank
  7. Latest Electricity Bill
  8. Latest Gas Bill
  9. Ration Card
  10. Registered lease / sale agreement of residence
  11. Latest bank passbook
  12. Letter signed by authorized signatory from Police Station/Local Municipal Ward Office/ Gram Panchayat on their letterhead

(Utility bill should not be older than 3 months at the time of submission.)

7.       Where can I submit KYC documents?

You can submit your KYC documents at any ItzCash World Outlet. To get the address of the nearest outlet Click Here (link that needs to be hyperlinked- OR

  1. Call – (0)7666155220
  2. SMS – FINDICW_IDBI Pincode to 57575/720057575_(Note “-“denotes single space)
  3. E-mail –

8.       Is my Prepaid Card reloadable?

Prepaid Card can be reloaded at any ItzCash World Outlet. Minimum reloadable amount is Rs. 200 and maximum reloadable amount is Rs. 10,000 (when it’s Essential Service Card) or Rs. 49,999 (when card is upgraded) basis balance on the card.

9.       How to check balance on card

To know the balance amount on your card Click Here (URL for checking balance – /  or

  2. Check at any ATM (charges applicable at non-IDBI Bank ATM)
  3. Call – (0)7666155220

10.   How to use your Prepaid Card

Swipe at Merchant Establishments:

  1. Make payments over-the-counter at various shops, restaurants and outlets across India.
  2. Look for a MasterCard electron sign (indicating that the merchant has an electronic POS terminal)
  3. Present the Prepaid Card when making payment
  4. Your account will be debited online for the purchase amount
  5. A sales slip/receipt will be generated
  6. Check the amount debited
  7. Sign the sales slip to give approval of the transaction
  8. Your signature must match that on the reverse of your Prepaid Card
  9. Ensure your Prepaid Card is returned to you

Note: Use ATM PIN when terminal prompts for PIN input.

Online Transactions:

The Prepaid Card facilitates online transactions for Movie and Travel ticket booking, shopping, DTH & Mobile Recharge and Utility Bill Payments.

Easy Rail Ticket booking

  1. Visit and log-in with your username and password (or register, if you are a new user)
  2. Enter your boarding & destination station codes and select your journey date and class and select e-ticket and click on submit
  3. Select your train. You can check the fare and availability of seats
  4. Enter the details of the persons travelling (maximum of 6 people per ticket)
  5. You will get the current availability status of your tickets
  6. Click on the Make Payment button
  7. Choose Cash Card option and select Prepaid Card from the list of payment options provided
  8. Enter your card number (16 digit), CVV, Expiry Date of Card & DOB to confirm the payment
  9. Take a print of electronic reservation slip and carry the same at the time of your journey

Other online payments:

  1. Log-on to merchants website or any of the ItzCash sites
  2. Fill-in the payment details
  3. Select the payment option – Cash Card or ItzCash Card
  4. Provide the card details:
  5. Card Number
  6. Expiry Date
  7. CVV (refer the last 3 digits on the back of the card near signature panel)
  8. Cardholder Name
  9. Date of Birth
  10. Click OK
  11. Transaction will be processed

For websites other than ItzCash:

  1. Select the payment option
  2. Cash Card – ItzCash Card OR Credit Card – Select MasterCard OR Debit Card – Select Bank
  3. Enter card details like:
    1. Cardholder name
    2. Card number
    3. Expiry Date
    4. CVV Number
    5. Master Secure Code Internet Pin (IPIN)
    6. Click OK
    7. Transaction will be processed

11.   Withdraw money from ATMs across India:

  1. Go to any MasterCard Electron supported ATMs
  2. Insert your Prepaid Card in the slot/dip reader provided
  3. Select Language
  4. Enter your 4 digit Prepaid Card ATM Pin
  5. Select Savings Account
  6. Select Withdrawal
  7. Enter the amount you wish to withdraw
  8. Select Transaction receipt on Cash Withdrawal
  9. Select OK
  10. Collect the money
  11. Collect your Prepaid Card
  12. Collect receipt if you had selected

12.   Are there any offers or schemes available on the card?

For offers and schemes on Prepaid Card Click Here (Link for hyper link –

13.   Any information, I should know about before I shop?

At any merchant establishment do not let the merchant manually enter the card details on the POS (point of sale) as the payment will not go through. Always ensure the merchant swipes the card on the POS (point of sale terminal). Do not use the card for temporary transactions. If the same has been done, please ask the merchant to use the same authorization code for final settlement to avoid double debit.

14.   What happens if the purchase amount is more than the balance amount?

If you try to purchase an item of greater value than your card balance, your transaction will be declined.

15.   What is the process if I want to cancel a purchase?

If you want to cancel a purchase contact the merchant, who will raise a reversal against the charge slip which has been generated. It will take 2 days for the amount to reflect to your card, once the merchant raises the reversal. . The merchant can raise a reversal within 30 days. Contact your merchant for specific details. If you wish to discuss a disputed or declined transaction, you may contact our call centre at (0)7666155220

16.   What if one of the posted transactions on my account is not legitimate at merchant location?

To know the detailed process of disputing transaction, contact our call centre on (0)7666155220

17.   What happens if I do not use my Prepaid Card?

If you do not use your Prepaid Card for a period of 6 months, inactive charges of Rs. 25 will be applicable.

18.   Can I use my Prepaid Card while travelling outside of India?

No, Prepaid Card can only be used within India. No foreign currency transactions are permitted.

19.   What alerts will I receive?

You will receive an SMS alert on all Debit and Credit transactions.

20.   What happens if my ATM/IPIN/IVR password gets locked?

Please contact the call centre at (0)7666155220

21.   How can I hot list my card

If you have lost your Prepaid Card, you can hotlist (block) the card by calling Customer Care Center at (0)7666155220

22.   How do I know my card is genuine?

To ensure your Prepaid Card is genuine, look for the MasterCard hologram on the reverse of the card. Kindly ensure that when you purchase the Prepaid Card, the packaging is not tampered.

23.   What is CVV code?

CVV code is a card verification code. It is a 3 digit code on the back of your Prepaid Card.

24.   Any special information I should know about before I shop?

There are special types of transactions that you should know about.

IRCTC Railway Booking Transaction – IRCTC Railway Booking Transaction will charge extra “Service Fee” to make online e-ticket booking. So make sure that your card has additional balance other than actual e-ticket cost to pay the service fee.

Restaurants – While signing the “Bill Receipt”, if you have mentioned the TIP amount on the bill receipt then additional TIP amount will get debited from your card along with actual bill amount. Make sure you have enough funds to cover any added TIP.

Surcharge at petrol pumps – Charges would be at the rate of 2.81% of the bill amount or Rs.10, whichever is higher. Service tax will be as applicable.

*Surcharges are subject to change.

(Other websites where you make utility bill payments will ask for a service fee as well.)

25.    What is MasterCard Secure code?

MasterCard SecureCode is a service to enhance your existing MasterCard account. A private code means added protection against unauthorized use of your card when you shop at participating online retailers.

26.   Does MasterCard Secure code cost me anything?

No. There are no additional charges associated with this service.

27.   Reissuance of lost/stolen card (applicable only for upgraded cards).

In the event of loss of your Prepaid Card, a new card will be issued to you within 7 working days of reporting the loss to Itz Cash Card Limited, only if your card is an upgraded Prepaid Card and after you pay the applicable fee. You can report the loss of your Prepaid Card to our customer care at (0)7666155220.

28.   What happens if my Prepaid Card expires?

You may request a new card before your existing card expires. The balance amount from your existing card will be transferred to your new card. A reissuance amount will be debited from the available card balance. In case you do not wish to issue a new card, then you can place a request for cash-out/card closure at your nearest ItzCash World Outlet. Once you receive a confirmation of card closure through SMS, collect your refund from your nearest ItzCash World Outlet.