Bank Of Baroda Rupay Platinum Debit Card - Benefits, Charges and Eligibility

Bank Of Baroda Rupay Platinum Debit Card Overview

Bank of Baroda is pleased to introduce another customer centric initiative by launching RuPay Platinum Debit Card. The card has been aimed to provide attractive offers and scheme in coordination with NPCI.

Bank Of Baroda Rupay Platinum Debit Card Features

  • Higher limits of Cash withdrawal up to Rs 50,000/- per day at ATM
  • Purchases up to Rs 1,00,000/- per day at POS/e-commerce.
  • Acceptable at all NFS ATMs and RuPay POS across India.
  • Secured with PIN, CVD2 and OTP for online transactions.
  • Attractive offers on activation and usage.
  • Bank of Baroda Interconnected ATMs spread across major centres in the country.
  • Member Bank's ATMs of National Financial Switch in the country.
  • For convenient shopping, dining out at outlets accepting RuPay Cards in India and Abroad.
  • For International usage the card can be used at ATM/POS terminals displaying Discover, Diners Club International or Pulse logos.
  • e-Commerce transactions wherever RuPay Cards are accepted

Bank Of Baroda Rupay Platinum Debit Card Eligibility

  • Applicant's age should be at least 18 years
  • Applicant needs to have a Current or Savings Account with the Bank

Bank Of Baroda Rupay Platinum Debit Card Fees & Charges

  • The Card will be issued free of cost to primary and joint holders free of cost for the first year.
  • From the second year onwards Bank will charge an annual fee of Rs. 100/- only for renewal of the card every year.
  • Debit Card Renewal Charges : NIL
  • Card Replacement charges (within India) : Rs. 200/-
  • PIN Regeneration : Rs. 150/-
  • Account overdrawn charges : Rs. 100/- per occasion
  • Surcharges at Railway and Petrol Pumps : Rs.2.5% + Service tax (if any), on transaction amount or Rs.10/- whichever is higher.
  • VISA / Master Card/ RuPay affiliated ATMs (Abroad) : Cash withdrawal:- Rs.400/- per Cash Withdrawal Balance Inquiry: Rs.75/- per Inquiry

Bank Of Baroda Rupay Platinum Debit Card Benefits

  • Widely accepted debit card
  • Round the clock cash withdrawal facility
  • 24/7 customer care facility
  • Add-on card benefits available
  • Highly safe and secure transactions

Bank Of Baroda Rupay Platinum Debit Card How to Apply

  1. Contact your Branch.
  2. If you don't have saving or Current Account, first open your account.
  3. Get the Debit Card Application form from the Branch, fill it up and submit it to your Branch.
  4. You will receive your Insta Debit Card & PIN (Personal Identification Number) at the time of submission of the application form.
  5. In case of named Debit Card, the card will be delivered to the customer's residential address. The PIN will have to be collected from the respective Branch.
  6. The customer has to activate the Insta Debit card after 24 hours from the receipt of the card by withdrawing cash from Dena Bank ATM.

Bank Of Baroda Rupay Platinum Debit Card Documents Required

  • Proof of Identity : Aadhaar Card/ PAN Card/ Passport Driving License/ Voter ID Card
  • Proof of Address : Aadhaar Card/ Driving License/ Ration Card/ Voter ID Card/ Passport
  • Passport sized photographs

What is EMV-Chip Based Debit Card?

EMV stands for Europay MasterCard and Visa, who developed this technology. EMV-chip based debit cards are the debit cards which have embedded microprocessor chip that stores and protects cardholders' information/ data. It uses enhanced security features to protect the important date of the card holders and discourages card's unauthorized usage.

EMV-chip based debit card generates fresh user data every time the user transacts. Therefore, it is impossible for hackers/ fraudsters to steal the information or copy the original data from any card. Further, EMV technology uses your debit card as well as PIN to complete any transaction.

What is a Contactless Debit Card?

Contactless debit card is a sensor embedded new age debit card that works on Near Field Communication (NFC) Technology using Radio Transmission to ascertain contact when the card is brought near a terminal. This enables the customers to make payments up to Rs.5,000 without swiping their cards & entering a PIN.

Benefits of a Contactless Card

  • Fast & Convenient
  • Safe & Secure
  • No chance of losing or misplacing it

The Reserve Bank of India (RBI) has asked all banks in the country to replace magnetic-strip debit/ credit cards with EMV-chip based cards by 31 December 2018 as magnetic cards are quite vulnerable to skimming. Banks have already replaced the existing magnetic strip debit/ credit cards with latest EMV chip cards. Banks will provide it free of cost.