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.