BoB Debit Card Charges 2026: Every Variant Explained

Searching "BoB debit card charges yearly" usually ends in a long PDF. Here is the short version: what each Bank of Baroda debit card costs as listed on our card pages, which still offer lounge access, and how to pick. Treat every figure as indicative and check the bank's live schedule of charges before you apply.

BoB Debit Card Charges at a Glance

Card	Issuance	Annual fee	Re-issuance	Lounge (as listed)
RuPay Classic	₹100 + taxes	Year 1 free, then ₹200 + taxes	₹200 + taxes	None
Visa Classic	₹100 + taxes	Year 1 free, then ₹200 + taxes	₹200 + taxes	None
Mastercard Classic	₹100 + taxes	Year 1 free, then ₹200 + taxes	₹200 + taxes	None
RuPay QSPARC NCMC	Per schedule	Per schedule	Charged	None
RuPay Platinum	₹300 + taxes	Year 1 free, then ₹300 + taxes	₹200 + taxes	Ended 1 April 2026
Bhoomi RuPay Select	₹500 + taxes	Year 1 free, then ₹500 + taxes	₹200 + taxes	Domestic (spend-gated) 2 international/year
EaseMyTrip	₹599 + taxes	₹599 + taxes	Not listed	2 domestic/quarter 2 international/year
World Visa Sapphire	₹750	₹750 from year 2	Not listed	Domestic
World Visa Opulence	₹9,500	₹9,500	₹4,500	Unlimited domestic + international

RuPay Platinum vs the NCMC Card

The RuPay Platinum is a solid everyday card, but its card page lists complimentary lounge access as discontinued from 1 April 2026, so don't pick it for lounges.

If you searched "BoB RuPay Platinum NCMC charges", the NCMC card is the QSPARC debit-cum-prepaid variant. Its offline wallet (up to ₹2,000, as listed) handles metro, bus and toll taps. Our page doesn't list its issuance or annual fee, so confirm both at the branch.

Visa and Mastercard Classic Intl Contactless

BoB also issues "Classic Intl Contactless" versions of its Visa and Mastercard cards. The domestic Classic charges above are a useful reference, but confirm the international variant's fee on the live schedule. Online, international and contactless use are off by default; switch them on via the bob World app, internet banking, a BoB ATM or IVR.

RuPay Select Eligibility

The Bhoomi RuPay Select depends on your account's scheme code and mode of operation, not income. Domestic lounge access is spend-gated: one visit per quarter after ₹5,000 of POS/online spends in the previous quarter, as listed.

How to Pick

ATM + shopping only: a Classic card keeps yearly charges lowest.
Daily commute: the QSPARC NCMC card.
Occasional flyer: Bhoomi RuPay Select or EaseMyTrip.
High balance: Sapphire needs a ₹10,000 quarterly average balance; Opulence needs ₹10 lakh.

Compare all options on our debit cards listing, or read credit cards vs debit cards for everyday spending.