Bank of Baroda MasterCard Classic Debit Card – Benefits, Fees & Eligibility

Introduction

The MasterCard Classic Debit Card, issued by Bank of Baroda, is positioned as a versatile card for both domestic and international use, though primarily highlighted for domestic utility. It operates on the MasterCard network. Key features include daily limits for ATM withdrawals and POS/e-commerce purchases, along with secure and contactless transaction capabilities.

Fees & Charges Breakdown

• Issuance Fees: Rs.100/- + Taxes
• Annual Fees: First year free, then Rs.200/- + Taxes from the second year onwards
• Re-Issuance Fees: Rs.200/- + Taxes

Card Eligibility Criteria & Income Requirements

• Savings Accounts: Individuals maintaining specific Savings accounts with operational instructions as “Self” or “Either or Survivor” or “Any one or Survivor”.
• Current Accounts: Individuals maintaining specific Current accounts with mode of operation as Self; Sole Proprietor; Any One Partner; Any One Director; Chairman; Managing Director; Authorised Signatory.
• CC Accounts: Individuals maintaining specific CC accounts are eligible for RuPay BKCC cards.
• OD Accounts: Individuals maintaining specific OD accounts are eligible for RuPay Mudra cards.
• Eligibility Determination: Eligibility is determined by the scheme code and mode of operation used to open the bank customer account.

Important Product Details

• Daily ATM Withdrawal Limit: Rs. 25,000 per day.
• Daily Purchase Limit (POS/E-commerce): Up to Rs. 50,000 per day at merchants accepting Master Cards in India.
• Security Features: Secured with PIN and CVV2 for online transactions.
• Contactless Transactions: Up to Rs. 5,000 can be done without a PIN at POS.
• Card Activation: The card must be activated by using it first at any ATM before it can be used at POS/e-commerce.
• PIN Generation: Debit Card/Green PIN can be generated through BOB World App, bob world internet, IVR, and any Bank of Baroda ATM. No physical PIN is sent (applicable for domestic registered mobile numbers). NRI customers receive a physical PIN with new cards at their base branch and activate it via an ATM withdrawal.
• Transaction Channel Enablement: At the time of issue/re-issue/renewal, all debit cards are enabled for use only at contact-based points of usage (ATMs and POS devices) within India. Online, international, and contactless transactions require separate enablement through BOB ATM, bob World App (Mobile Banking), bob World Internet (Internet Banking), or IVR.
• International Usage: The "MasterCard Classic DI" variant is designed for domestic and international use, but international usage must be enabled.
• 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.
• Debit Card Blocking (Wrong 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.
• Hotlisting (Blocking) Methods:
  • Contact Centre/Toll-free numbers (1800 5700).
  • bob World App (Mobile Banking).
  • WhatsApp Banking.
  • 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, or bob World Internet at least one month prior to the card renewal month. Not blocking the card will be considered as consent for renewal. SMS notifications are sent 35-40 days before card expiry.

Other Details

• General Usage Guidelines (Do's): Use the card for personal use, generate PIN securely, change PIN regularly, activate the card at an ATM, ensure card is used in your presence at POS, enter PIN discreetly, register mobile number for SMS alerts, conduct ATM transactions privately, shield PIN from onlookers, collect card/cash/receipt after transactions, check for extra devices at ATMs, ensure "Welcome Screen" is displayed at ATM, regularly check account statements and report unauthorized transactions immediately, inform the bank if the card is lost/stolen, be aware of suspicious movements around ATMs, destroy expired/closed cards by cutting through the magnetic stripe, fill complaint form for cash not dispensed/account debited issues, verify emails/links to avoid phishing, ensure website addresses for transactions start with "https://".
• General Usage Guidelines (Don'ts): Do not give your debit card to anyone, do not keep a written record of the PIN, do not disclose card/PIN details over email/phone calls/to bank officials (as the bank will never request such details), do not overlook transaction alerts, never lend your card, do not write PIN on the card or cover, never share PIN or seek help by revealing it, never let anyone see you entering PIN, never use easily guessable PINs (e.g., birthday), never leave your card in the ATM, do not forget to collect dispensed cash, avoid posting personal information online.
• Bank Agents: The Bank may use the services of agents in sales/marketing etc. of its various products, including for increasing digital awareness and adoption.
• Customer Support:
  • Toll-Free Number (Domestic): 1800 5700, 1800 5000
  • Toll-Free Number for Domestic Customers Calling From Abroad (24X7): +91 79-66296009
• Debit Card Definition: A multipurpose card used for ATM, POS, online, and contactless transactions, unlike an ATM card which is only for ATM transactions.
• Card Usage Frequency: Customers must frequently use the debit card to avoid it being blocked.
• Current Account Holders at Other Bank's ATM: No free transactions.
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