Bank of Baroda Bhoomi RuPay Select Debit Card – Benefits, Fees & Eligibility

Introduction

The bob Bhoomi RuPay Select Debit Card, issued by Bank of Baroda, is an eco-friendly premium debit card crafted using recycled PVC (rPVC). It is designed to offer customers high transaction limits, comprehensive personal accident insurance coverage, and a suite of exclusive lifestyle and travel benefits. Key differentiating features include a substantial personal accident insurance cover of up to Rs. 10 Lakh, complimentary access to domestic and international airport lounges, and a variety of quarterly and annual lifestyle perks.

Welcome Benefits

• The annual fee for the first year is free.

Fees

• Issuance Fees: Rs. 500/- + Taxes
• Annual Fees: First year free, then Rs. 500/- + Taxes from the second year onwards.
• Re-Issuance Fees: Rs. 200/- + Taxes
• Other Bank ATM Transactions (Current Account Holders): No free transactions at other bank’s ATM machines.

Rewards

• High Transaction Limits:
  • Daily ATM cash withdrawal limit: Rs. 1,50,000.
  • Daily POS/E-commerce transaction limit: up to Rs. 5,00,000.
• Personal Accident Insurance Cover:
  • Personal Accident Insurance cover (Accidental Death or Permanent Total Disability) of up to Rs. 10 Lakh.
  • The insurance facility is managed by RuPay.
  • To be eligible for coverage, the cardholder needs to perform a minimum of one successful RuPay Card induced financial transaction at any POS/Ecom (on us or off us) within 30 days prior to the date of accident, including the accident date.
• Airport Lounge Access:
  • One Complimentary Domestic Airport Lounge access per Quarter on spends of ₹5,000 or more (POS/e-commerce transactions only) in the previous Quarter (effective from November 3, 2025).
  • Two Complimentary International Airport Lounge Access per Calendar Year (effective from April 1, 2025).
  • Access to Domestic and International airport lounges.
• Quarterly Lifestyle Benefits:
  • One Complimentary Gym Membership every quarter (90 days for Home Workouts or 30 days for the Offline Workout).
  • One Complimentary Golf Lesson or Round every quarter.
  • One Complimentary health check-up package every quarter.
  • One Complimentary SPA session or Salon Service every quarter.
  • One Complimentary INR100/- coupon for cab service every quarter.
• Annual Entertainment Benefits:
  • One Complimentary 12 months Prime Video or Zee 5 HD or SonyLIV membership every year.
• Transaction Features:
  • Contactless transaction facility.
  • Quick & easy shopping and E-commerce transactions wherever RuPay cards are accepted.
  • Secured PIN & CVD2 for online transactions.
  • International usage at ATM/POS terminals displaying Discover, Diners Club International, or Pulse logos.
  • Acceptable at all NFS ATMs and RuPay POS across India.
  • Contactless transactions up to Rs. 5,000 can be done without a PIN at POS.
  • Exclusive offers from partner merchants.
  • Attractive offers on networks including RuPay.
  • Ability to process domestic e-mandates and recurring payments.

Rewards Redemption Guide

• To avail the complimentary benefits, please visit https://www.rupay.co.in/.
• For a list of eligible lounges, please visit www.rupay.co.in/lounges.
• For exclusive offers from partner merchants, please visit www.rupay.co.in/rupay-offers.

Card Eligibility Criteria

• Insurance Coverage Eligibility: Cardholder needs to perform a minimum of one successful RuPay Card induced financial transaction at any POS/Ecom (on us or off us) within 30 days prior to the date of accident, including the accident date, to be eligible for personal accident insurance coverage.
• Account Types:
  • Individuals maintaining specific Savings accounts with operational instructions as "Self" or "Either or Survivor" or "Any one or Survivor".
  • Individuals maintaining specific Current accounts with mode of operation as Self; Sole Proprietor; Any One Partner; Any One Director; Chairman; Managing Director; Authorised Signatory.
  • Individuals maintaining specific CC accounts (RuPay BKCC cards to be issued).
  • Individuals maintaining specific OD accounts (RuPay Mudra cards to be issued).
• General Eligibility: The eligibility is determined by the scheme code and mode of operation used to open the bank customer account.

Card Review

The bob Bhoomi RuPay Select Debit Card is a strong offering from Bank of Baroda, particularly for customers who prioritize high transaction limits, robust insurance coverage, and a suite of premium lifestyle benefits. Its eco-friendly construction is an added advantage for environmentally conscious users. The card provides significant value through complimentary airport lounge access, gym memberships, golf lessons, health check-ups, spa sessions, cab coupons, and annual streaming subscriptions. While the annual fee applies from the second year, the extensive benefits, especially for those who can meet the spend criteria for domestic lounge access, make it a compelling choice for a premium debit card experience.

Important Product Details

• Positive Highlights:
  • Eco-friendly card made from recycled PVC.
  • High daily ATM cash withdrawal limit of Rs. 1,50,000.
  • High daily POS/E-commerce transaction limit up to Rs. 5,00,000.
  • Personal Accident Insurance cover of up to Rs. 10 Lakh.
  • Complimentary Domestic and International Airport Lounge access.
  • Quarterly complimentary benefits including Gym membership, Golf lesson/round, Health check-up, SPA session/Salon service, and an INR100 cab coupon.
  • Annual complimentary 12-month subscription to Prime Video, Zee 5 HD, or SonyLIV.
  • Contactless transaction facility for quick payments up to Rs. 5,000 without a PIN.
  • Supports international usage.
  • First year annual fee is waived.
• Negative Highlights:
  • An annual fee of Rs. 500 + Taxes applies from the second year onwards.
  • Domestic airport lounge access is conditional on spending ₹5,000 or more in the previous quarter (effective from November 3, 2025).
  • Eligibility for insurance coverage requires a successful RuPay card transaction within 30 days prior to the accident.
  • Current account holders do not receive free transactions at other bank's ATMs.
  • Debit cards are initially enabled only for contact-based usage within India; online, international, and contactless transactions need to be enabled separately by the cardholder.

Other Details

• The Bank may use the services of agents in sales/marketing etc. of its various products.
• How to Apply: Customers may apply for a debit card in person at their local branch, online through the bob World App, online through bob World Internet, or by calling the contact centre.
• Card Activation: After receiving a debit card, the customer must create a green PIN using a BOB ATM, bob World App, bob World Internet, or by calling IVR. NRI customers receive a physical PIN and can activate the card by making an ATM withdrawal transaction.
• Debit Card vs. ATM Card: A debit card is a multipurpose card that can be used for ATM, POS, online, and contactless transactions, while an ATM card can only be used for ATM transactions.
• ATM Network: Bank of Baroda Debit cards are accepted at ATMs that are part of a network, such as RuPay, Visa, Master Card, and others.
• Card Usage: Customers must frequently use the debit card to avoid it being blocked.
• PIN Requirement: A Debit Card cannot be used without a PIN. However, contactless transactions up to Rs. 5,000 can be done without a PIN at POS, and this facility can be managed via BOB ATM/bob World App/bob World Internet/IVR.
• Transaction Channel Enablement: At the time of issue/re-issue/renewal, all debit cards will be enabled for use only at contact-based points of usage (ATMs and Point of Sale devices) within India. To enable other transaction channels (online, international, contactless) and set transaction limits, customers need to log in to bob World (Mobile Banking) or bob World Internet (Internet Banking), visit a BOB ATM, or call IVR 1800 5700.
• Linking Multiple Accounts: A maximum of 9 accounts held in the same name and same capacity can be linked to a Debit Card by submitting a request to the base branch.
• Reasons for ATM Issues: A debit card may not work at ATMs due to reasons such as a blocked card, improper swipe, damaged card, inoperative or frozen account, wrong PIN, connectivity failure, or a disabled ATM channel.
• Wrong ATM PIN Attempts:
  • Soft blocking: After 3 attempts of a wrong PIN in a day (within 24 hours), the debit card will be blocked for the next 24 hours.
  • Hard Blocking: After 12 attempts of a wrong PIN in a month, the debit card will be blocked permanently.
• Hot listing (Blocking) a Debit Card: A debit card can be hot listed (blocked) by the customer through the Contact Centre/toll free numbers (1800 5700), bob World App (Mobile Banking), WhatsApp Banking (8433 888 777), bob World Internet (Net Banking), or by visiting the nearest Bank of Baroda branch.
• Non-renewal Consent: To opt out of debit card renewal, customers must block the card via Branch/IVR (1800 5700)/bob World app/bob World Internet at least one month prior to the card renewal month. Not blocking the debit card will be taken as consent for card renewal.
• Do's for Debit Card Usage:
  • Perform at least one successful debit card transaction at any POS/E-commerce platform within every 30 days to keep insurance coverage in force.
  • Use your Bank of Baroda Debit Card for personal use.
  • Generate Debit Card/Green PIN through BOB World App, bob world internet, IVR, and by visiting any nearest Bank of Baroda ATM (no physical PIN for domestic registered mobile numbers).
  • Ensure to change PIN at regular intervals.
  • Activate your debit card by using it first at any ATM; it can be used at POS/e-commerce only after ATM activation.
  • Always ensure your card is used in your presence when transacting at POS and enter the PIN discreetly.
  • Register your mobile number with the bank and subscribe for SMS alerts for all Debit Card transactions.
  • Conduct ATM transactions in complete privacy and shield your PIN from onlookers.
  • Collect your card, cash, and receipt after completing the transaction.
  • Look for extra devices attached to ATMs and inform security/bank immediately if found.
  • Ensure the "Welcome Screen" is displayed in the ATM after your transaction.
  • Regularly check account statements and immediately report any unauthorized card transactions after blocking your debit card.
  • Immediately inform the Bank if the ATM/Debit Card is lost or stolen.
  • Beware of strangers trying to engage you in conversation around ATMs.
  • When destroying your card upon expiry or account closure, cut it into four pieces through the magnetic stripe.
  • If cash is not dispensed and the account is debited, fill a complaint form and submit it to the Branch.
  • Verify emails and links, especially those asking for personal information, as they could be phishing emails.
  • Always ensure the website address for transactions starts with https://.
• Don'ts for Debit Card Usage:
  • Don't give your Debit Card to anyone; if surrendering, request closure and hand over to Bank Officials after destruction, or block it using digital channels.
  • Don't keep a written record of the PIN in any form; memorize it.
  • Don't disclose your Card/PIN details over email links/phone calls/bank officials, as the Bank will never request such details.
  • Don't overlook or ignore transaction alerts received via SMS.
  • Never lend your card to anyone.
  • Do not write your PIN on the card or its cover.
  • Never share your PIN with anyone or seek help by handing over the card and revealing the PIN.
  • Never let anyone see you entering your PIN.
  • Never use an easily guessed PIN (e.g., birthday or telephone number).
  • Never leave your card in the ATM.
  • Do not forget to collect dispensed cash.
  • Avoid posting personal information such as your address, phone numbers, email address, license number, Aadhaar number, birth place, location for any given day, school’s name of kids, and family details online.
• Contact Information:
  • Toll Free Number (Domestic): 1800 5700, 1800 5000
  • Toll Free Number for Domestic Customers Calling From Abroad (24X7): +91 79-66296009
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