Obc International Debit Cum Atm Card - Benefits, Charges and Eligibility
Obc International Debit Cum Atm Card Overview
OBC International Debit cum ATM Cards are issued to customers having a Savings Bank/ Current Account in his/ her individual capacity not in the representative capacity and Staff OD accounts provided his/ her age is 14 years or more.
Obc International Debit Cum Atm Card Features
- Issued on VISA platform
- Valid for 10 years from the date of issue
- Cashless Shopping
- Can be used at 1,93,000+ATMs of various banks
- Daily cash withdrawal limit: Rs.25,000
- Daily shopping/online transaction limit: Rs. 25,000
Obc International Debit Cum Atm Card Eligibility
OBC International Debit cum ATM Card is issued to customers having a Savings Bank/ Current Account in his/ her individual capacity not in the representative capacity and Staff OD accounts provided his/ her age is 14 years or more and he/she is a literate and not blind / insolvent. This card is also issued to NRI customers in their NRE/ NRO accounts. Existing eligible customers can also upgrade the accounts to apply for this card.Obc International Debit Cum Atm Card Fees & Charges
- Charges for issuance of Card : Nil
- Second Year Onwards Annual Fee: Rs. 100/- plus applicable taxes
- Re-issue of PIN: Rs. 50/-
- Replacement/Re-issue of Lost/Damaged: Rs. 200/-
- ATM card/ KIT returned by courier due to wrong address: Rs. 50/-
- Transaction declined due to insufficient Balance: Rs. 10/-
- Charges for issuance of Add-on card: Rs. 50
- Second Year Onwards Annual Fee of Add-on Card: Rs. 100/- plus applicable taxes
Obc International Debit Cum Atm Card Benefits
- Higher withdrawal and transaction limit
- Quick and secure access for funds
- Customers may also get two add-on cards in the name of spouse, dependent parents, and dependent children not below 14 years
- Customer service available 24 hrs for all the 7 days of a week The card comes with enhanced security
- It is primarily a magnetic stripe card. However, one variant of Dual card viz. Magstripe as well as EMV Chip
- Card holder can enjoy a wide array of benefits
Obc International Debit Cum Atm Card How to Apply
- Contact your Branch.
- If you don't have saving or Current Account, first open your account.
- Get the Debit Card Application form from the Branch, fill it up and submit it to your Branch.
- You will receive your Insta Debit Card & PIN (Personal Identification Number) at the time of submission of the application form.
- 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.
- 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.
Obc International Debit Cum Atm 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.
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.