Bank of Baroda inSIGHT Braille Debit Card – Benefits, Fees & Eligibility

Introduction

The bob inSIGHT Braille Debit Card, issued by Bank of Baroda, is a specialized RuPay Platinum variant designed to enhance accessibility for visually impaired customers. Its key differentiating features include raised Braille dots displaying "BOB" for easy identification, a rounded notch for correct orientation, and glossy Spot-UV textures for tactile recognition. Additionally, it offers a personal accident insurance cover and access to domestic and international airport lounges, providing a comprehensive and convenient banking experience.

Welcome Benefits

• The annual fee for the card is waived for the first year.

Fees

• Issuance Fees: ₹300 + Taxes
• Annual Fees: First year free, then ₹300 + Taxes from the second year onwards.
• Re-Issuance Fees: ₹200 + Taxes

Rewards

• Transaction Capabilities:
  • Can be used for both domestic and international transactions.
  • Acceptable at all NFS ATMs and RuPay POS across India.
  • For international usage, the card can be used at ATM/POS terminals displaying Discover, Diners Club International, or Pulse logos.
  • E-commerce transactions are accepted wherever RuPay Cards are supported.
  • Secured PIN & CVD2 for online transactions.
  • Contactless transactions up to ₹5,000 can be performed without a PIN at POS terminals.
• Insurance Cover:
  • Personal Accident Insurance cover (Accidental Death or Permanent Total Disability) of up to ₹2 Lakh.
  • 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. This insurance facility is managed by RuPay.
• Lounge Access:
  • Access to Domestic airport and International airport lounges.
  • 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).
  • One complimentary International Airport Lounge Access per Calendar year (effective from April 1, 2025).
  • Note: The complimentary Airport Lounge Access facility offered on your RuPay Platinum Debit Card will be discontinued effective April 1, 2026.
• Transaction Limits:
  • Daily cash withdrawal limit of ₹50,000 from ATMs.
  • Daily POS/E-commerce transaction limit up to ₹1,00,000.
• Prepaid Wallet Contactless Transactions:
  • Maximum per transaction limit for money add transaction: ₹500.
  • Maximum daily limit for money add transaction: ₹2,000.
  • Number of money add transactions allowed per day: 4.
  • Maximum balance in card (stored value) at any point: ₹2,000.
  • Maximum per transaction limit of ₹500 for Retail and ₹2,000 for transit.
  • Maximum daily limit for card for number of offline purchase transactions: 20.
• Exclusive Offers:
  • Exclusive offers from partner merchants are available.

Rewards Redemption Guide

• To avail complimentary benefits, visit www.rupay.co.in.
• Audio guides are available for steps to generate your Green PIN, important terms and conditions related to your Debit Card, and how to enable your debit card for online/contactless/international transactions.

Card Eligibility Criteria

• Eligibility Rules

  • All visually impaired customers maintaining a savings account under eligible scheme codes with mode of operation "SELF". For more information, contact your nearest branch.

• Documents Required

  • Debit Card Application Form.

Card Review

The bob inSIGHT Braille Debit Card is an excellent initiative by Bank of Baroda, specifically catering to the visually impaired community with thoughtful design elements like Braille dots and tactile textures for enhanced accessibility. It offers robust daily transaction limits for cash withdrawals and POS/e-commerce, along with a significant personal accident insurance cover. The inclusion of airport lounge access, even if for a limited period, adds a premium touch. While the annual fee applies from the second year, the first-year waiver is a good incentive. This card is highly recommended for visually impaired individuals seeking a secure, accessible, and feature-rich debit card for their daily banking and transaction needs.

Important Product Details

• Positive Highlights:
  • Specifically designed with Braille dots, a rounded notch, and tactile textures for visually impaired customers.
  • Offers a substantial Personal Accident Insurance cover of up to ₹2 Lakh.
  • Provides high daily cash withdrawal (₹50,000) and POS/E-commerce transaction limits (₹1,00,000).
  • Includes complimentary Domestic and International Airport Lounge access (with specific spend criteria and validity dates).
  • Supports both domestic and international transactions across various networks (RuPay, Discover, Diners Club International, Pulse).
  • Features secured PIN & CVD2 for online transactions and contactless payment options.
  • First year annual fee is waived.
• Negative Highlights:
  • Complimentary Airport Lounge Access facility will be discontinued effective April 1, 2026.
  • Annual fees apply from the second year onwards.

Other Details

• The features offered with this card variant are subject to Terms and Conditions (provided along with the Welcome-Kit), and the bank reserves the right to modify or withdraw these offers at its discretion.
• The Bank may use the services of agents in sales/marketing etc. of its various products, who may call customers to increase digital awareness and adoption.
• For assistance, customers can contact the Toll-Free Number (Domestic): 1800 5700, 1800 5000, or for Domestic Customers Calling From Abroad (24X7): +91 79-66296009.
• Information on locating branches and BC agents is available.
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