Capabilities
Customer Self-Service
Card controls, transaction management, dispute initiation, PIN management, and authentication methods available to cardholders.
Capabilities available to cardholders through mobile app, web portal, and other self-service channels.
Card Information & Controls
| Feature | Description |
|---|---|
| View card details (masked) | Card number, status, limits, linked accounts |
| View CVV | Post-authentication CVV display |
| Lock / Unlock card | Instant customer-initiated lock |
| Channel controls | Enable/disable POS, e-commerce, ATM, contactless, international |
| Merchant restrictions | Block specific merchant categories |
| Geographic restrictions | Enable/disable specific countries |
| Transaction limits | Customer-defined spending limits (within product max) |
Transaction & Statement Management
- View transaction history with search and filters
- Download statements (PDF, CSV)
- View declined transactions with decline reasons
- Track pending / in-flight transactions
- Initiate disputes and track resolution
Card Services
| Service | Description |
|---|---|
| Apply for new card | Request additional card products |
| Request replacement | Replace lost / stolen / damaged card |
| Block card | Instant block for lost/stolen |
| Report fraud | Flag suspicious transactions |
| Change / Reset PIN | PIN management through secure channels |
| Activate new card | Self-service activation |
| Request physical card | For virtual-only cardholders |
Authentication Methods
| Method | Usage |
|---|---|
| Mobile OTP | Standard authentication |
| Email OTP | Fallback authentication |
| Biometric | Fingerprint / facial recognition via mobile |
| Method | Usage |
|---|---|
| Super OTP | Critical operations — device-bound, context-aware |
| Super PIN | One-time-use PIN for sensitive admin operations |
| Device Binding | Trusted device registration |
| Method | Usage |
|---|---|
| Step-Up Auth | Risk-based escalation for sensitive operations |
| Multi-Factor | Combination of methods based on risk score |
| Contextual | Device, location, and behavior analysis |
Digital Wallets & Tokenization
Token service provider integration, mobile wallet support, token lifecycle, and card-on-file tokenization for regulatory compliance.
NCMC — Transit Card Support
National Common Mobility Card support — dual-interface cards, offline wallet, auto-reload, and transit integration for India's "One Nation, One Card" initiative.