To use your new ATM card, you must first activate it and set a confidential PIN (Personal Identification Number). This process is typically initiated at a bank's ATM or via Net Banking, often requiring an OTP sent to your registered mobile number. Once activated, you can use the card:
- For cash withdrawal: Insert the card into an ATM and enter your PIN.
- For point-of-sale (POS) purchases: Swipe the card at a merchant terminal and enter your PIN.
- For online payments: Use the card number, expiry date, CVV, and an OTP for verification.