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 debit card thoughtfully crafted using recycled PVC (rPVC), representing a significant stride towards responsible and environmentally conscious banking. This card is designed to offer high cash withdrawal and purchasing limits, along with a suite of complimentary offers and discounts, making it a well-suited option for customers seeking enhanced transaction capabilities and lifestyle benefits. It is a RuPay Select variant, providing higher limits for ATM cash withdrawal and POS/E-commerce transactions.

Transaction Limits & Usage

• Daily ATM Cash Withdrawal Limit: Rs. 1,50,000.
• Daily POS/E-commerce Transaction Limit: Up to Rs. 5,00,000.
• International Usage: The card can be used for both domestic and international transactions. For international use, it is accepted at ATM/POS terminals displaying Discover, Diners Club International, or Pulse logos. The RuPay Select DI variant specifically allows international usage.
• E-commerce Transactions: Accepted wherever RuPay cards are supported.
• Contactless Transactions: Up to Rs. 5,000 can be performed without a PIN at POS terminals.
• Card Activation: The card must be activated by performing the first transaction at any ATM. POS/e-commerce usage is enabled only after ATM activation.
• Default Channel Enablement: At the time of issue, re-issue, or renewal, all debit cards are enabled by default only for contact-based points of usage (ATMs and Point of Sale devices) within India.
• Enabling Other Channels: To enable online, international, or contactless transaction channels, customers must use BOB ATM, bob World App (Mobile Banking), bob World Internet (Internet Banking), or IVR.
• Acceptance: The card is acceptable at all NFS ATMs and RuPay POS across India.

Fees and Charges

• Issuance Fees: Rs. 500 + Taxes.
• Annual Fees: First year is free, and Rs. 500 + Taxes from the second year onwards.
• Re-Issuance Fees: Rs. 200 + Taxes.
• ATM Withdrawal Charges (Current Account Holders): No free transactions at other bank's ATM machines for Current Account holders.
• Charges for using the Bank of Baroda debit card are subject to change with prior notification to cardholders.

Rewards & Offers

• Personal Accident Insurance Cover: Up to Rs. 10 Lakh for Accidental Death or Permanent Total Disability.
  • Insurance Eligibility: To be eligible for coverage, the cardholder needs to perform a minimum of one successful RuPay Card induced financial transaction at any POS/E-commerce (on us or off us) within 30 days prior to the date of accident (including the accident date). This transaction must be performed every 30 days to keep the insurance coverage in force.
  • The insurance facility is managed by RuPay, and RuPay Select cards are eligible for a sum insured of Rs. 10 Lakh.
• 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 03.11.2025).
  • Two Complimentary International Airport Lounge Access per Calendar Year (effective from 01.04.2025).
• Complimentary Quarterly Lifestyle Benefits:
  • One Gym Membership every quarter (90 days for Home Workouts or 30 days for Offline Workout).
  • One Golf Lesson or Round every quarter.
  • One Health Check-up Package every quarter.
  • One SPA session or Salon Service every quarter.
  • One INR100/- coupon for cab service every quarter.
• Complimentary Annual Entertainment Membership: One 12-month Prime Video or Zee 5 HD or SonyLIV membership every year.
• Exclusive Merchant Offers: Access to exclusive offers from partner merchants, details available on www.rupay.co.in/rupay-offers.

Account & Eligibility Criteria

• Eligible 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 will be issued).
  • Individuals maintaining specific OD accounts (RuPay Mudra cards will be issued).
• Eligibility Determination: Eligibility is determined by the scheme code and mode of operation used to open the bank customer account.
• Account Linking: 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.

Important Product Details

• Card Type: RuPay Select Debit Card.
• Eco-friendly Design: Crafted using recycled PVC (rPVC).
• Security Features: Equipped with Secured PIN & CVD2 for online transactions.
• International Usage: The RuPay Select DI variant supports international transactions.
• Contactless Capability: Supports contactless transactions for quick and easy payments.

Other Details

• The Bank may use the services of agents for sales/marketing of its products.
• General security and usage guidelines are provided for cardholders, including Do's and Don'ts for safe card usage.
• Customers can instantly generate their Debit Card/Green PIN through the BOB World App, bob World Internet, IVR, and any nearest Bank of Baroda ATM. No physical PIN is sent for domestic registered mobile numbers.
• Non-personalised debit cards are issued within 24–48 working hours from the receipt of the non-personalised card.
• Customers must frequently use their debit card to avoid it being blocked.
• PIN Blocking Policy:
  • Soft Blocking: After 3 attempts of an incorrect PIN within a 24-hour period, the debit card will be blocked for the next 24 hours.
  • Hard Blocking: After 12 attempts of an incorrect PIN within a month, the debit card will be blocked permanently.
• Methods for Hotlisting (Blocking) a Debit Card:
  • Contact Centre/Toll-free numbers (1800 5700).
  • bob World App (Mobile Banking).
  • WhatsApp Banking (8433 888 777).
  • bob World Internet (Net Banking).
  • Nearest Bank of Baroda branch.
• Non-renewal Consent: To opt out of card renewal, the card must be blocked 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.
• To avail complimentary benefits, customers should visit https://www.rupay.co.in/.
• The card offers the ability to process domestic e-mandates and recurring payments.
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