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Card Shield

 

General Information

CARD SHIELD gives you unprecedented control over how, when and where your debit cards are used. Here are a few examples.

Turn Your Card On/Off

Have you ever had that panicky feeling when you misplace a card? CARD SHIELD lets you turn the debit card off while you look for it so that no one else can use it. If they try to, the transaction will be denied. Once you find the card and are ready to use it, turn it back on.

Be Notified Whenever Your Card Is Used to Make a Purchase

How cool would it be to get a notification as soon as your card is used for a large online purchase? CARD SHIELD delivers alerts directly to your iOS or Android mobile device and lets you select the criteria used to generate the alerts. Be notified of every transaction or set your notification preferences right from the Mobile App.

Only Allow Transactions Near You

Now here's an awesome feature. Let's say you're traveling and you want to make sure your card can be used in stores only when you are physically present. Turning on the "My Location" control in CARD SHIELD and having your mobile phone in your possession will ensures that your in-store transactions are approved. Anyone else trying to use your card, in a different location, will have their in-store purchases denied.

Share Your Card, But Set Limits

Wouldn't it be nice to loan your child a card but set limits on where it can be used and the amount that can be spent? CARD SHIELD lets you share a card while limiting its usage to a specific location or geographic region. You can also limit the maximum amount that can be spent per transaction. Now your child can have a good time at the amusement park but cannot come home with the latest gaming console.

These are just a few examples of how CARD SHIELD can help you control and manage your cards. For more information, refer to the Help section in the Mobile App.

Registration:

User Registration – Account Creation

Below are the steps for user registration:

  • Download the app "BOI CardShield" onto your smartphone from App Store (iOS) and Play Store (Android).
  • For registration, click on New User and enter the card details. 6-digit security code will be generated and sent on the registered mobile number with Bank. Set your username and password. Use a minimum password length of 8 or more characters including lowercase and uppercase alphabetic characters, numbers and symbols.
  • You will receive a confirmation email for successful registration.
  • Login to your app using created Username and password.

Features:

  • Switch card on/off
    • Cardholders can lock or unlock cards with a single touch.
    • A card can be switched on for a short duration of time or purchase window.
    • User can see and change card status instantly.
  • Control Preferences

    Location

    • My Location: Will only allow POS/ATM transactions in the geographical proximity (city) of device’s location.
    • My Region: More than one regions can be set for transactions authorization.
    • International ATM/POS transactions can be controlled to allow or deny. To enable/disable International transaction, switch on International feature and add the country in which the card should work. If not enabled, the card will function according to default functionality.
  • Merchant Types
    • Cardholders can enable or disable merchant categories. For example, cardholder can allow or deny gas station, entertainment, personal care, or travel transactions etc.
    • Parents can specify merchant establishment categories where dependents’ card can be used.
  • Transaction Types
    • Cardholders can enable or disable specific types of transactions and payment methods. For example, cardholder can allow or deny e-commerce purchases.
    • Parents and businesses can specify purchase types that can be made on dependent cards.
  • Spend Limits
    • Cardholders can set spend threshold for transaction amounts.
    • Parents and businesses can specify dependent spend limits.
  • Alert Preferences
    • Monitor alerts for various parameters as below. One can act instantly on real-time transaction alerts and offers.
    • My Location
    • Region on a Map
    • International
    • Merchant Category
    • Transaction Limit
    • Low Balance
    • Card Status Change
  • Recent Transactions
    • Recent Transactions allows to view your latest transactions.
  • Linked Accounts
    • Through Linked Accounts, the accounts linked to that card can be viewed. If cards from different account are added, the balance and recent transactions account-wise can be viewed.
    • Low balance alert can be set account specific.
  • Shared Card Users
    • Shared card user allows to control your Dependants card. Restricted access can be given according to merchant categories and transaction types.

FAQs

Q1. What is BOI Card Shield?

BOI Card Shield is a mobile application, which empowers users to manage their DEBIT cards from smart phone, set control preferences, receive near-real-time alerts, respond to fraud alerts, and perform self-service functions.

Q2. What are its features?

BOI Card Shield offers following controls and features:

  • Turn Card Off, Card On
  • My Location: Deny if device location is not in geographical proximity (city) of authorization for card-present, card-holder present authorizations that qualify
  • My Region: Deny if authorization is not in specified geographical region for card-present, card-holder present authorizations that qualify
  • Block International or outside specified countries
  • Enable/Disable for specified transaction types – ATM/POS/Online
  • Enable/Disable for specific merchant Categories – Gas Station, Entertainment, Personal care, Travel Transactions etc.
  • Set Spend limits for per transaction as well as monthly spends

Q3. How do I benefit from Card Shield?

Card Shield brings you the following benefits:

  • Lock/Unlock card:  Users can protect their cards from getting misused by turning ON and OFF only when they want to use it.
  • Set Card Limits: Users have the  flexibility to set their own transaction limits for every card
  • Card Usage: Depending on the user’s requirement, user can also enable/disable their card for specific type of transactions- ATM or POS or Online. For Example, if the user does not wish to use his card for purchases, then he can disable POS transactions by turning it OFF with a single touch.

Also user can control the usage of international transactions by enabling the specific countries in which the card can be utilized. User can also blacklist MCCs for prevent transaction on specified businesses.

  • Improves your safety: You have decreased risk of theft or pilferage of your money.

 

Q4. How do I register and login in BOI Card Shield?

The following few simple steps are involved for registration:

Step 1: Download the app “BOI Card Shield”    onto your smartphone from App Store (iOS) and Play Store (Android).

Step 2: For registration, click on New User and enter the card details. 6-digit security code will be generated and sent on the registered mobile number with Bank. Set your username and password. Use a minimum password length of 8 or more characters including lowercase and uppercase alphabetic characters, numbers and symbols.

Step 3: You will receive a confirmation email for successful registration.

Step 4: Login to your app using created Username and password.

Q5. Can I add more than one debit card?

BOI CardShield enables you to add multiple debit cards by using option “Manage account”.

Q6. How will I know if my card has been used outside my set criterion?

An alert will be sent through push notification if enabled. All approved/declined transactions can be viewed through option “Recent transaction”.

Q7. What should I do if I receive alert for transaction not initiated by me?

Please check the genuineness of the transaction with your family members. If not attempted, immediately “Switch Off” your card through the app to prevent any further attempts. Simultaneously call 1800 425 1112 to immediately block the card.

Q8. Can I add my dependent’s card?

Yes, BOI Card Shield allows you to add your dependent’s card through OTP authentication. You can set control preferences and limits for them as well and receive alerts. This will allow you to monitor and track your dependent’s spending behavior.

Q9. What should I do if I forget my password?

Enter your username and click on “Forgot password”. A 6-digit OTP will be sent to your email id through which your login ID has been created. Enter the 6-digit otp on the screen and set the new password.

Q10. What is passcode or touch ID?

A 6-digit numeric value or your fingerprint can be set as additional security measure to unlock your live session when you exit the screen without logging-out.

Q11. How far back or how many transactions can I view when I look at the list of recent transactions on my card?

The list of recent transactions will show the last 30 days transactions on your card, up to a maximum of 50 transactions.

Q12. Does the phone store my debit card number or checking account number?

No, the phone does not store any card or account numbers. The app displays only masked account numbers.

Q13. Whom should I contact if I have any query, concern regarding this app?

Please contact Helpdesk Support +912233865300 extn: 22445/22446/22447/22448.

Play store and App store link