Debit Card Hotlisting: What It Means and How to Do It Quickly?
July 21, 2025

Imagine this: You’re at a café, enjoying a cup of coffee, when suddenly you realize your wallet is missing. Panic sets in as you recall that your debit card was inside. In today’s digital world, a misplaced or stolen debit card can lead to financial fraud within minutes. This is where debit card hotlisting comes to the rescue. By hotlisting or blocking your Debit Card, you can immediately block all transactions, preventing unauthorized use. But how does it work, and what’s the fastest way to do it? Let’s dive into everything you need to know about debit card hotlisting.
What is Debit Card Hotlisting?
Debit card hotlisting is the process of permanently blocking a debit card to prevent any further transactions. This action is irreversible, meaning the blocked card cannot be reactivated, and a new card must be issued. Banks provide multiple channels for hotlisting, ensuring that customers can quickly secure their accounts in case of emergencies.
When Should You Hotlist Your Debit Card?
Hotlisting should be done immediately in the following situations:
- Lost or Stolen Card – If your card is misplaced or stolen, blocking it prevents unauthorized access.
- Suspicious Transactions – If you notice unrecognized transactions in your account statement, hotlisting can stop further fraudulent charges.
- Card Skimming or Cloning – If you suspect that your card details have been compromised at an ATM or a POS terminal.
- Phishing or Online Fraud – If you unknowingly share your card details with a fraudulent website or scammer.
- Misuse by a Third Party – If someone has unauthorized access to your card, such as a lost OTP leading to fraudulent transactions.
How to Hotlist a Debit Card Quickly
Most banks offer multiple ways to hotlist a debit card. In case you have a Ujjivan Debit Card and want to block it to prevent unauthorised transactions, follow the steps mentioned below:
1. Net Banking
- Log on to Net Banking
- Go to Menu
- Go to Cards
- Select Debit Card Hotlisting
2. Branch
Your debit card can also be blocked by visiting your nearest Ujjivan SFB branch.
3. Phone Banking
Call our toll-free number 1800-208-2121 and block or hotlist your debit card through Phone Banking.
4. Ujjivan SFB Mobile Banking App
Download the Ujjivan SFB Mobile Banking App and register yourself. Choose the hotlisting or blocking option to hotlist or block your debit card.
What Happens After You Hotlist Your Debit Card?
Once your debit card is hotlisted:
- All transactions will be permanently disabled, including ATM withdrawals, online payments, and POS transactions.
- You will receive a confirmation SMS or email from your bank.
- To continue using your account, you must apply for a replacement card via internet banking, the bank branch, or customer care.
- If fraudulent transactions have occurred, you may need to file a dispute or fraud report with your bank to recover funds.
How to Get a New Debit Card After Hotlisting
Once your card is blocked, you can request a new one using the following methods:
- Internet Banking/Mobile App – Most banks allow you to apply for a replacement card online.
- Bank Branch – Visit a branch with valid identification to request a new card.
- Customer Care – Some banks offer card reissuance via customer support.
The new card is usually dispatched within few days. Some banks also offer instant issuance at select branches.
Final Thoughts
Debit card hotlisting is a crucial safety feature that protects your hard-earned money from fraudsters. Whether your card is lost, stolen, or compromised, acting fast is essential. With multiple ways to hotlist your card, including mobile banking, customer care, and SMS, you can secure your finances within minutes. Always keep a backup payment method and be vigilant about checking your bank statements for any suspicious activity.
Ujjivan Small Finance Bank offers RuPay Debit Cards – debit cards that are designed to meet your unique requirements. Use RuPay Select, Classic and Platinum cards based on the Savings Account you have. Enjoy discounts and offers on your favourite brands and exclusive privileges with our Debit Cards.
Disclaimer:
The contents herein are only for informational purposes and generic in nature. The content does not amount to an offer, invitation or solicitation of any kind to buy or sell, and are not intended to create any legal rights or obligations. This information is subject to updation, completion, amendment and verification without notice. The contents herein are also subject to other product-specific terms and conditions, as well as any applicable third-party terms and conditions, for which Ujjivan Small Finance Bank assumes no responsibility or liability.
Nothing contained herein is intended to constitute financial, investment, legal, tax, or any other professional advice or opinion. Please obtain professional advice before making investment or any other decisions. Any investment decisions that may be made by the you shall be at your own sole discretion, independent analysis and evaluation of the risks involved. The use of any information set out in this document is entirely at the user’s own risk. Ujjivan Small Finance Bank Limited makes no representation or warranty, express or implied, as to the accuracy and completeness for any information herein. The Bank disclaims any and all liability for any loss or damage (direct, indirect, consequential, or otherwise) incurred by you due to use of or due to investment, product application decisions made by you on the basis of the contents herein. While the information is prepared in good faith from sources deemed reliable (including public sources), the Bank disclaims any liability with respect to accuracy of information or any error or omission or any loss or damage incurred by anyone in reliance on the contents herein, in any manner whatsoever.
To know more about Ujjivan Small Finance Bank Products Visit:"https://www.ujjivansfb.in"
All intellectual property rights, including copyrights, trademarks, and other proprietary rights, pertaining to the content and materials displayed herein, belong
to Ujjivan Small Finance Bank Limited or its licensors. Unauthorised use or misuse of any intellectual property, or other content displayed herein is strictly prohibited and the same is not intended for distribution to, or use by, any person in any jurisdiction where such distribution or use would (by reason of that person’s nationality, residence or otherwise) be contrary to law or registration or would subject Ujjivan Small Finance Bank Limited or its affiliates to any licensing or registration requirements.
FAQs
1. Can I reactivate my debit card after hotlisting it?
No, once a debit card is hotlisted, it cannot be reactivated. You will need to apply for a replacement card.
2. How long does it take for a card to be hotlisted?
Hotlisting is typically instantaneous, whether done through internet banking, customer care, or SMS.
3. Will my automatic payments get affected after hotlisting my card?
Yes, any subscriptions or auto-debits linked to the blocked card will be declined. Update your payment method once you receive a new card.
4. Can I still use my bank account after hotlisting my debit card?
Yes, hotlisting a card only blocks the card itself. Your bank account remains active for transactions via UPI, net banking, or cheques.
5. Is there any fee for hotlisting a debit card?
No, most banks do not charge any fees for hotlisting. However, there may be a fee for issuing a replacement card.
6. What should I do if I find my lost debit card after hotlisting it?
Even if you find your lost card, it remains blocked permanently. You must apply for a new one.
7. Can I hotlist my debit card from another country?
Yes, you can hotlist your card from anywhere using internet banking, customer care, or your bank’s mobile app.
8. What happens if someone uses my card before I hotlist it?
If fraudulent transactions occur before blocking, report them to your bank immediately and file a dispute or fraud claim.
Latest Blogs

How to Link Your Savings Account with UPI & Mobile Wallets
July 10, 2025
The majority population of India has shifted to digital payments.

Step-by-Step Guide on How to Check Karnataka RERA Registration Number Online
July 11, 2025
The Real Estate (Regulation and Development) Act, 2016 (RERA) was enacted to bring accountability and transparency to India’s real estate sector.

Overconfidence Bias and Its Cost in Investing
June 24, 2025
Overconfidence is a well-documented behavioural bias in finance – often described as an “illusion of control” where investors overestimate their ability to predict or influence market outcomes.

What Makes a Savings Account Ideal for First Time Earners?
July 10, 2025
Starting your first job or gig is an exciting milestone. With your first earnings or salary in hand, one of the biggest questions is: "Where should I keep my money?"

How to Avoid Ineligible Deduction Claims While Filing ITR
July 09, 2025
Filing your Income Tax Return (ITR) for the financial year 2024-25 (Assessment Year 2025-26) requires careful attention to detail.
Quick Links
Registered with DICGC

