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Verifying Maestro card online

Let’s say you are about to use your Debit card for making an online transaction. If you have a Maestro Card, you’ll observe that there will be no Expiry date or CVV number nor can you register for MasterCard security code for additional security. Hence you won’t be able to complete online transactions using your Maestro Labelled Debit card issued by most banks (see Update below).

This is also the case when you want to verify your Maestro card in your Paypal account.

However, Maestro cards issued by some banks such as The Royal Bank of Scotland or the HSBC Bank can be used to register for a MasterCard security code and also will have an expiry date.

Where can the Maestro card be used?

Since most Maestro Cards cannot be used for online transactions, you are only left with using the card physically at retail stores. You can produce your Maestro card at stores that accept debit cards to pay for your shopping bills. The amount will be directly debited from the bank account that is linked with that Maestro card.

Mostly, Maestro Debit cards will be issued as ATM cum Debit cards (famously by SBI in India) when you open a Savings or Current account. Hence, if you have Internet Banking enabled for that account, you can perform online transactions using Internet Banking (if option is available) which will be the same as performing transactions with your Maestro Debit card online.

Did you know that, even though Maestro card is not a Credit card you can earn reward points? See SBI Debit card reward points.

Maestro card (and Cirrus) are from the same family as MasterCard.

Update: You can now use your Maestro ATM card at most online stores too. Instead of Expiry date and CVV, you need to enter your PIN and 3D secure code or OTP.

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63 comments

  1. Butta Chandrashekhar

    i have a state bank of Hyderabad atm cum debit card (maestro)on this card don’t have a expiry date , and 23 digit card no. It’s not accepted on online transaction please help me

  2. i have a state bank of Hyderabad atm cum debit card (maestro)on this card don’t have a expiry date , and 23 digit card no. It’s not accepted on online transaction please help me

  3. Hi is there any way to link my 19 digit maestro card into PayPal account.

  4. Hi,

    I used my Maestro ATM / Debit card to shop online.

    The payment process went smoothly but then I received an email from the particular website asking me to get an “Authorisation Code” from my Bank for the transaction to prove that I was the real card holder or my order would be cancelled.

    They said that the address on the card is not a match to the address I gave for billing and shipping.

    I live in a rented apartment and keep moving each year hence I did not change my address on the card.

    Please tell me what this “Authorisation Code” is? How do I get it from my Bank (Indian Bank)? Please help.

    Thanks and regards,
    Clare.

    • I’m not sure what this ‘Authorisation code’ means after payment. Was the payment done successfully? Did you had to input your Maestro cards Secure code to complete the transaction? If not, you need to complete that step. Google for ‘Indian Bank Secure Internet Payment’, follow the first link and register your card for the secure code.

  5. With SBI Maestro card both withdrawal at ATM and physical shopping are possible. For shopping it is more secure than Visa or Master card. At the shopping point after the card is swiped you will have to enter the 4 digit PIN (same as the ATM PIN) for completing the transaction. (Some merchant outlet may not have this facility but I have used it in hospitals and large shops) Thus even if you lose your card nobody can use it for shopping unless he knows the PIN. However, as there is no expiry date on the card ‘on line shopping’ is not possible. I have not tried the suggestion above to add 5 years and 8 months. I got my card more than 6 years ago and it is still working so I am not sure whether the 5 year 8 months addition will work.

    • Yes correct and most of the big online merchants now are also adding Maestro card as a payment option. Instead of CVV and expiry date, you will be asked to enter your PIN and either One Tim Password or your 3D secure pin.

  6. bishwanath bobonga

    How to find my maestro card expiry date (on my card it has not mentioned). Thank you. I have no expiry date and cvv number.

  7. I know CVV but what about expiry date?

    • Somebody here said you must add 5 yrs and 8 months to the issue date (which is printed on the card) to get expiry date. I don’t know how true it is, try it and tell.

  8. How to verify maestro card? how to get verified by visa code?

  9. Please send me my maestro balance.

  10. Maestro card have 19 digits card no.
    Of which last 3 digits is CVV.. Never type your PIN as CVV.
    But still I am unable to know what is expiry date of my Maestro card.. Its issuing date is 10/2010

  11. mahesh shirodker

    I have maestro sbi debit card (NRE account) so i need to pay some amount in canada so they ask me cvv, card number and expiry date..

  12. Maestro is more secure………..
    use as following…
    CVV number= ATM PIN number,
    EXPIRY DATE= ADD 5 YEARS AND 8 MONTHS in VALID FROM DATE..
    ENJOY YOUR SHOPPING………….

  13. how could i know cvv & the expiry date of my sbi maestro atm card

  14. there is no online shopping facility for any maestro cards as per my knowledge.

  15. Darshan Dedhia

    Most of the MAESTRO debit card as i have seen have expiry date 5 years 8 months after the date of issue, so you can calculate that. But regarding CVV number, Indian MAESTRO debit cards do not have CVV numbers, but still this card can be registered for MASTERCARD SECURECODE.

  16. nivrutti sudhakar dabhade

    Maestro cards will not have CVV number

  17. how can i get my expiry date in sbi card?? reply pls urgent

  18. how can i use my maestro card in
    online shopping…..!!!
    waiting for your reply

  19. how can i use my maestro card in online shopping…..!!!
    waiting for your reply

  20. my maestro SBI ATM card has no CVV no. and expiry date how to know this pls do help

  21. plz tell me how can i identify my sbi debit card exp date

  22. i need cvv no n expiry date can u help me???

  23. nageswararaokondeti

    my atm pin was loss how to get my pin number. please give me a suggestion.

  24. i have no expiry date plz help me now i m filling form of nirma…..

  25. There is no usefull of State bank shopping card as there is no facility of online transaction. This only for cash withdraw from ATM.

  26. I have SBI ATM-CUM-DEBIT card. How to get CVV and expiry date for SBI Debit, because
    without this I am unable to purchase through online.
    please sort out the problem as early as possible.

    Thanks.

  27. I have SBI ATM-CUM-Debit Card. How identify the maestro card expiry date. please tell the card exp date.

  28. ABHYUDAY JARIPATKE

    The SBI and its associate bank should introduce visa and master cards as most of the private sectors are offering to its a/c holders.SBI and its associate bank should introduces on priority basis.

  29. Please tell me about Expiry date of my sbi debit card

  30. hello sir, how I can connect internet banking on my SBI account.

  31. hello sir… how to find my maestro card expiry date……(on my card it has not mentioned)
    thank u…….

  32. hello sir… how to find my maestro card expiry date……(on my card it has not mentioned)
    thank u……. waiting 4 reply

  33. sbi atm-cum-debit card has neither an expiring date nor a CVV no. And its so obvious that we cannot shop online with our cards., Its so unfair.! But a solution recently cropped up and it is to register 4 internet banking where we’ll get a confidential password by which we can shop online. Good luck fellow citizens, i gotta go get a internet banking form myself.

    • You can indeed shop with any State Bank ATM cum Debit cards in sites which has support for Maestro cards. In the place where you’ll enter CVV code, you’ll enter your ATM cards’ 4 digit PIN.

  34. I have SBI debit card which is also ATM card. How to get CVV and expiry date for SBI Debit

  35. sbi makes everyone fools

    • Who told u that there is different kinds of card issue by sbi, u must know it carefully as ur knowledge so dont say that sbi is making fools ok

  36. Can i know the expire date of Mastero debit card of SBI

  37. then expire date of maestro

  38. how to know cvv2 no in state bank shopping card

  39. Hi,
    Please tell me what is c v v of sbi credit card

  40. Can i know the expire date of Mastero debit card of SBI

  41. How identify the maestro card expiry date. please tell the card exp date.

  42. respected sir…am having sbi maestro debit card…..but am nt having cvv no…
    how to get my cvv number…now only i registered for net banking…i got my username and password…
    if i want to change my maestro card to master debit card…can i able to change it…
    for credit card v must provide our salary statement…
    but am a college finial yr student…can i able to get the master depitcard with cvvno

  43. Dear sir i am set sms alert to sbi account my a/c no 11681173908 and my mobile number is 9431804392.

    • it is simple, just go to near by ATM and choose mobile registration from the menu and and key in your telephone number. you will get a registration confirmation receipt.

  44. lots of email correspondence has taken place w.r.t. Maestro debit card of SBI. The main topic of discussion is acceptance level of the card for online purchases. E-Commerce websites have not listed Maestro cards as one of their preferred cards, thereby defeating the very purpose of the card. There are other merchant pos where this card is not accepted. On the whole, it appears that this Card is the least preferred in Commerce. I wonder what made SBI to tie up with this card, when Mastercard or Visa is more preferable to all commercial establishments. As if this card is for the common man and Visa is for the elite a/c holders, they have a policy for giving Visa card for a/c holders who maintain a QAB of RS 50000 and that too on request. Even smaller Banks offer VISA debit cards by default for an a/c holder. Hence I don’t understand the move of SBI to make this a PRIVILEGE card for the high and mighty.
    I feel sympathy for the people at helm of affairs for their lack of common sense.

  45. plz tell me what is c v v of sbi atm card

  46. I have SBI debit card which is also ATM card. How to get CVV and expiry date for SBI Debit card.
    It have logo of Maestro.

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