Having a debit card or RuPay debit card makes life easy for the account holders as it helps them to withdraw money with ease. The RuPay card can be used like any other debit card for shopping, utility bill payments or for money withdrawal from ATM. However, there are some guidelines for RuPay card holders so that they can ensure the safety of their hard-earned money from skimming or card cloning. Speaking on the matter Pavan Duggal, a New Delhi-based cybercrime expert told Zee Business online, "The fraudsters are using skimming devices at the PoS machines or at the ATMs to clone your card and hack your account. Later on, these fraudsters will clone your card and then fish out your money without your knowledge." 

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Duggal further added that awareness is the best solution to such crimes as a small mistake leads to losses to the tune of lakhs. On how a RuPay card beneficiary can ensure the safety of his or her money while using its RuPay card Duggal said, "Beneficiary of RuPay Card is required to keep the Card in safe custody. Its PIN should be changed at frequent intervals and should never be shared with anyone. While using the card at ATM Machine or PoS, PIN should be entered in the machine very secretly so that nobody could even guess about the PIN Number. As far as possible, Card should be used at authorized places/centers only. Besides, the PIN number should never be written on the Card." 

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He said that the best way to remain insulated from PIN theft is to use the other hand covering the PoS or ATM keyboard while doing the transaction. It has been found that people ask for help from strangers while doing money withdrawal from the ATM and while doing this, they share the PIN of their RuPay Card that leads to fraudulent incidents taking against them.