Can I use BHIM without debit card?

One of the important questions people ask is ‘can I use BHIM without debit card’. Let me tell you that to use BHIM, you will need to get UPI. And you can only generate UPI if you have a debit card. Since the three primary information required for UPI are credit card number, CVV, and expiry date, therefore, the debit card is extremely important.

To get a debit card you need to visit the bank branch and you can get your debit card within 7 working days. But do you know that there is an alternative to it? You can get your debit card without even going to a bank nowadays. There is an alternative process which I will share to solve your query about ‘can I use BHIM app without debit card’.

How to use BHIM app without debit card?

You can open a digital savings account and generate the UPI and use the BHIM UPI to transfer money. There are three common digital saving payment accounts such as:

• Paytm payment bank

• Airtel payment bank

• Indian post payment banks.

I will share with you how to open a bank account in Paytm to help you solve your query regarding ‘how to use BHIM without debit card’.

Can we use BHIM app without debit card?

• Download the Paytm app and get registered.

• Open Paytm bank.

• Click on ‘open your saving account’

• Set and enter your security passcode.

• Add your nominee or skip later.

• Click on the boxes to share your details with KYC.

• Click on ‘Proceed’ and ‘upgrade your account’.

• Choose a method for KYC. 

• If you are opting for the Video calling option enter details such as Aadhar Number, and name and agree to the terms and conditions box.

• Hit on ‘Proceed’.

• Confirm OTP and enter your PAN details.

• Proceed to video call.

• After the KYC, set your Paytm account.

• You can check your debit card by closing the ‘upgrade your debit card’ tab.

• After this, hit on activate card transaction.

• Hit on ‘online transaction’ and set your limit.

• Tap on ‘view and manage your debit card’.

• Click on ‘view CVV and expiry date’.

• Enter your passcode.

• Set your BHUMI UPI PIN.

You will require a minimum balance of Rs.10,000 to active UPI. You can get the money transferred to your Paytm account before generating the UPI.

As of now, this is the process, but there are some talks that soon you will be able to use Bhumi UPI without any debit card. But you can follow the process I have mentioned above as an alternative. I hope you find this helpful.

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