⚡ Quick Summary
Lost your ATM card? Don't panic. Do not search for customer care numbers on Google (they might be fake). Use the official bank numbers listed below to SMS or use your bank app to block it immediately. If blocked within 3 days, the bank is liable for unauthorized transactions.
Lost Your ATM Card? Here is How to Block it in 2 Mins (Before Money is Stolen)
A lost wallet is scary, but a delayed response is dangerous. Thieves can use "WiFi/Contactless" cards to shop without a PIN.
Stop Searching Google. Use this verified guide to block your card instantly via SMS or App.
CRITICAL WARNING: The "Google Search" Scam
Never search for "SBI Customer Care Number" or "HDFC Complaint Number" on Google Search or Maps. Scammers edit these details and put their own mobile numbers. If you call them, they will ask you to download "AnyDesk" or "TeamViewer" and steal your money.
Only use the numbers listed below or on your Passbook.
Prerequisites (Checklist)
- ✅ Registered Mobile: You need this for OTPs.
- ✅ Account Number: Last 4 digits may be needed.
- ✅ Calm Mind: Panic leads to mistakes.
The "Zero Liability" Rule
RBI says if you report fraud within 3 Days, you lose ₹0. After that, liability increases.
1 Method 1: Block via SMS (No Internet Needed)
The fastest way. Send this SMS from your registered mobile number immediately.
| Bank Name | SMS Format | Official Number |
|---|---|---|
| SBI | BLOCK <Last 4 Digits> | 567676 |
| HDFC | BLOCKUST <Cust ID> | 7308080808 |
| ICICI | IBLOCK <Last 4 Digits> | 9215676766 |
| Axis Bank | BLOCKCARD | 5676782 |
2 Method 2: Using Mobile App (Yono / iMobile)
Most reliable method as you get an instant digital receipt.
Login to App
Open your bank app (e.g., Yono SBI, HDFC Mobile). Do not use public WiFi.
Go to 'Service Request'
Usually found in the sidebar menu or under "Cards" section.
Select 'Permanent Block'
Warning: If you lost the card, NEVER choose "Temporary Block". Thieves can unblock it if they have your phone details. Choose Permanent.
⚖️ The FinKinetic Verdict
If Card is Lost/Stolen
Do not hesitate. Block it Permanently immediately. The cost of a replacement card (₹300) is far less than the risk of losing your entire bank balance.
If Card is Misplaced (At Home)
You can use "Temporary Block" (Freeze) via the app. If you find it under the sofa later, you can unfreeze it instantly without ordering a new one.
Frequently Asked Questions
Can I unblock my card later?
If you selected "Temporary Block" via the app, yes, you can unblock it anytime. However, if you chose "Permanent Block" (recommended for lost cards), you cannot unblock it. You must order a new card.
Will my Net Banking still work?
Yes! Blocking your Debit Card only stops card transactions and ATM withdrawals. Your Net Banking and UPI (linked to the bank account directly) will continue to work unless you specifically block them too.
How much does a new card cost?
Most banks charge a replacement fee ranging from ₹200 to ₹500 + GST depending on the card variant (Classic vs Platinum). This will be deducted from your account balance.