Bank of Baroda Mastercard World Debit Card – Benefits, Fees & Eligibility

Introduction

The Mastercard World Debit Card, issued by Bank of Baroda, is exclusively designed for its Baroda Radiance customers, offering an elevated banking experience with seamless global transactions and exclusive privileges. Key benefits include worldwide acceptance, high cash withdrawal and purchasing limits, complimentary airport lounge access, and a suite of lifestyle offers such as golf privileges and hotel stays.

Transaction Limits & Usage

• Daily ATM Cash Withdrawal Limit: Rs. 2,00,000 per day.
• Daily POS/E-commerce Transaction Limit: Rs. 5,00,000 per day.
• International Usage: The card offers worldwide acceptance and is enabled for international usage.
• Contactless Transactions: Available, with transactions up to Rs. 5,000 possible without a PIN.
• Initial Card Activation & Channel Enablement:
  • Upon issue, re-issue, or renewal, all debit cards are initially enabled only for contact-based usage (ATMs and Point of Sale devices) within India.
  • To enable other transaction channels (online, international, contactless) and set transaction limits, customers must log in to bob World (Mobile Banking), bob World Internet (Internet Banking), visit a BOB ATM, or call IVR 1800 5700.
  • The first transaction must be performed on a BOB ATM or a Green PIN generated through BOB ATM/bob World App/bob World Internet/IVR before online transactions can be attempted.

Fees and Charges

• Card Replacement Fee: A fresh Debit Card can be issued in lieu of a lost/damaged card, and charges apply. Specific amounts are subject to change; details are available on the bank's service charges page.
• General Charges: Charges for using the Bank of Baroda debit card are subject to change from time to time, with prior notification to cardholders.

Rewards & Offers

• Complimentary Airport Lounge Access: Enjoy 02 complimentary domestic airport lounge accesses per quarter.
• Golf Privileges: Complimentary green fees are offered across the best golf courses in India.
• Hotel Stays: Enjoy one night free with Mastercard at a collection of participating luxurious hotels and handpicked resorts.
• Mastercard Priceless Specials: Access a world of exclusive offers and experiences through Mastercard Priceless Specials.

Account & Eligibility Criteria

• Linked Account Tiers: Exclusively for Bank’s Baroda Radiance customers.
• General Eligibility:
  • 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.
• Eligibility Determination: Eligibility is determined by the scheme code and mode of operation used to open the bank customer account.

Debit Card Review

The Mastercard World Debit Card from Bank of Baroda is an excellent choice for Baroda Radiance customers seeking premium banking features and enhanced transaction capabilities. Its high daily limits for ATM withdrawals and POS/e-commerce transactions make it suitable for individuals with significant spending needs. The card's standout benefits include complimentary domestic airport lounge access, golf privileges, and exclusive hotel offers, adding substantial value for frequent travelers and those who appreciate luxury lifestyle perks. While initial activation requires enabling specific channels, the overall package offers a comprehensive and rewarding experience for eligible customers.

Important Product Details

• Card Network: Mastercard World Debit Card.
• Worldwide Acceptance: The card is accepted globally.
• Contactless Capability: Supports contactless transactions.
• Account Linking: A maximum of 9 accounts held in the same name and same capacity can be linked to a single Debit Card by submitting a request at the base branch.
• PIN Usage:
  • A Debit Card cannot be used without a PIN, except for contactless transactions up to Rs. 5,000.
  • Customers must create a Green PIN using a BOB ATM, bob World App, bob World Internet, or IVR. NRI customers receive a physical PIN and activate the card via an ATM withdrawal transaction.
• Debit Card Blocking (Wrong PIN Attempts):
  • 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.
• Card Blocking Due to Inactivity: Customers must frequently use the debit card to avoid it being blocked.
• Hotlisting (Blocking) a Lost/Stolen Card:
  • Contact Centre/Toll-Free Numbers: Call 1800 5700, press 2, then 1 for Lost Card Option, then 1 to confirm blocking. Requires 14-digit account number and last 4 digits of the debit card.
  • Mobile Banking (bob World App): Log in, go to "Cards," select "Debit Card Hot listing," click "Block Card" for the relevant card, enter transaction PIN.
  • WhatsApp Banking: Say "Hi" to 8433 888 777, select "Block Debit Card" option, choose card number, confirm.
  • Net Banking (bob World Internet): Log in, go to "Services" tab, "Service Requests," "New Requests," "Operative Accounts," "Block Debit Card," select card, reason, remarks, and transaction password.
  • Nearest Bank of Baroda Branch: Submit a request in person.
• Non-Renewal Consent: To opt out of card renewal, the debit 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 card will be considered as consent for renewal. The bank sends SMS notifications 35-40 days before the card expiry date.

Other Details

• General Terms and Conditions: The features offered with this card variant are subject to the bank's Terms and Conditions, and the bank reserves the right to modify or withdraw these offers at its discretion.
• Bank Agents: The bank may use the services of agents for sales/marketing of its products, who may contact customers for digital awareness and adoption.
• Customer Assistance:
  • 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 channel for making payments via POS terminals, ATMs, and online stores, where money is immediately debited from the linked bank account.
• How to Apply: Customers can apply in person at their local branch, online through the bob World App or bob World Internet, or by calling the contact centre.
• Types of Debit Cards Issued by Bank of Baroda: The bank issues various Debit Cards in coordination with Visa, MasterCard, and RuPay networks.
• ATM Card vs. Debit Card: A debit card is a multipurpose card for ATM, POS, online, and contactless transactions, whereas an ATM card is only for ATM transactions.
• Card Acceptance at ATMs: Bank of Baroda Debit cards are accepted at ATMs that are part of networks such as RuPay, Visa, and Master Card.
• RuPay Insurance Program (General Information, not specific to Mastercard World Debit Card):
  • NPCI provides Accidental Death and Total Disability cover for RuPay PMJDY, RuPay Platinum, and RuPay Select Debit Cards.
  • Sum Insured for RuPay PMJDY: Rs. 1 lac for Old PMJDY Cards (issued till August 28, 2018) and Rs. 2 lac for New PMJDY Cards (issued after August 28, 2018).
  • Sum Insured for RuPay Platinum: Rs. 2 lacs.
  • Sum Insured for RuPay Select: Rs. 10 lacs.
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