Bank of Baroda Reloadable Card Physical Variant – Benefits, Fees & Eligibility

Introduction

The Baroda Reloadable Card is a prepaid card offered by Bank of Baroda, available in both physical and virtual variants, with a primary focus on the physical card. This reloadable card is designed to facilitate various transaction and payment needs, providing users with the convenience of multiple reloads, instant activation, and 24x7 customer support. It is an EMV chip card, usable across RuPay-certified merchant outlets, websites, and ATMs throughout India.

Prepaid Card Variant & KYC Tiers

• The Baroda Reloadable Card is available in two variants: Physical and Virtual. This document primarily details the Physical variant.
• It is a reloadable card, allowing multiple reloads within the maximum permissible limit.
• The card is fully compliant with KYC, AML/CFT requirements as per RBI guidelines.
• Both Bank of Baroda account holders and non-account holders can purchase the card.
• All KYC compliant operational accounts are eligible for purchasing the card.
• For retail customers, one card per account is allowed.
• For corporate customers, there is no limit on the number of cards per account, provided the full KYC of the beneficiary/cardholder is submitted.
• The card is issued in Indian Rupees (INR) only and can be used exclusively within India.

Balance & Transaction Limits

• The minimum amount that can be loaded on the card is Rs. 100.
• The maximum amount permitted in the card at any point in time is Rs. 1,00,000.
• The minimum reload value is Rs. 100.
• The maximum reload value is Rs. 1,00,000, subject to the condition that the total balance in the card (available balance + reload amount) does not exceed Rs. 1,00,000.
• Cash withdrawal at ATMs is allowed.
• The maximum daily ATM withdrawal limit is Rs. 25,000.
• The per transaction ATM withdrawal limit is Rs. 10,000.
• The card can be swiped for up to Rs. 1,00,000 in a day at POS/online merchant outlets, subject to the available balance.
• Over-the-counter cash withdrawal from the bank using the card is not permitted.
• Transfer of funds from one Baroda Reloadable Card to another is not allowed.

Fees and Charges

• Issuance Fee: Rs. 100
• Annual Maintenance Fee: Nil
• Reload Fee: Nil
• Replacement Card Fee (in case of lost/stolen/damaged card): Rs. 100
• Revalidation Charges (in case of expired card): Rs. 100
• ATM Withdrawal Fee: Rs. 20 (applicable for Bank of Baroda ATMs also)
• ATM Balance Enquiry Fee: Rs. 10 (applicable for Bank of Baroda ATMs also)
• Note: Charges are exclusive of GST and may change at the sole discretion of the Bank.

How to Apply & Load Money

How to Apply

• Visit any Bank of Baroda branch.
• Purchase a Baroda Reloadable Card over the counter.
• Provide mandatory card purchaser and beneficiary details.
• For corporate customers, provide the full KYC of the beneficiary/cardholder.
• The card is activated in real-time after the bank receives funds along with the application form.
• Customers will be notified by SMS on their registered mobile number upon activation.

How to Load Money

• Customers must approach any Bank of Baroda Branch for reload requests.
• The card will be reloaded in real-time.
• The minimum reload value is Rs. 100.
• The maximum reload value is Rs. 1,00,000, provided the total balance on the card does not exceed Rs. 1,00,000.
• The card can be reloaded multiple times before its expiry date.

Important Product Details

• The card is an EMV chip card variant.
• It is a RuPay card, usable at RuPay card accepting merchant outlets/websites across the country, ATMs, and E-commerce/Online platforms.
• The card is valid for a maximum period of 36 months from the date of issuance or the date of expiry mentioned on the card, whichever is earlier.
• A 24x7 customer care team is available for assistance.
  • Toll-Free Numbers (Domestic): 1800 5700, 1800 5000, 1800 1039 586
  • Toll-Free Number (For Domestic Customers Calling From Abroad): +91 79-66296009
  • Email for disputes: bobsupport@yappay.in
• SMS alert facility is available to notify activation, reload, expiry, and all transactions.
• Cardholders have access to a customer self-service portal (https://bobprepaid.yappay.in) for viewing card balance, transaction details, PIN generation, and temporary card lock/block.
• Card PIN can be changed at all Bank of Baroda ATMs.
• To withdraw cash from an ATM, customers must choose the 'Savings' option for successful transactions.
• In case of a lost or misplaced card, immediately report the loss to the Customer Care toll-free number (1800 1039 586) to hotlist the card and prevent further usage.
• A temporary lock/block facility is available on the card via the customer self-service portal.
• Transaction statements can be viewed by logging into the customer self-service portal.
• If the PIN is lost/forgotten, cardholders can visit a Bank of Baroda branch for re-issuance (applicable charges deducted from card balance) or re-generate the PIN via the customer self-service portal, which will be delivered to the registered email ID in a secured PDF.

Refund & Card Closure Terms

• Card Expiry:
  • An alert SMS is sent 45 days before the card's expiry date to prompt the cardholder to utilize available funds.
  • Cardholders have the option to revalidate the card by visiting the issuing branch and surrendering the old card.
  • If the customer fails to utilize funds before expiry and does not revalidate the card, any remaining funds can be transferred to the linked account of the cardholder upon request.
• Card Surrender/Closure:
  • To surrender the card, the customer should withdraw/utilize funds to bring the card balance to zero.
  • The card must then be submitted to the issuing branch along with a request to surrender it.
• Replacement Card:
  • If a replacement card is needed (e.g., due to loss, theft, or damage), the customer needs to contact the issuing branch, fill out an application, provide KYC, and submit the old card (if not stolen/lost).
  • The procedure and terms for reloading a replaced card remain the same as the original card.
  • Upon revalidation or replacement, the old card will be replaced in the system with a new one, and the new card will be linked. The balance available in the old card will be transferred to the new card in real-time after deducting applicable fees and taxes.

Other Details

• The Baroda Reloadable Card Physical Variant comes in a beautifully crafted welcome kit, which includes the EMV Chip Reloadable Card, a Welcome Letter, a PIN Mailer, and Terms and Conditions. Purchasers are recommended to ensure a sealed cover is delivered.
• The Bank may use the services of agents for sales/marketing of its products, including calling customers to increase digital awareness and adoption.
• Do's for Card Usage:
  • Ensure you sign on the signature panel on the back of the card immediately upon receipt.
  • Change your PIN or memorize it and destroy your PIN Mailer.
  • Make a separate note of your card number and customer care number for emergency use.
• Don'ts for Card Usage:
  • Do not write your PIN Number on the card.
  • Do not swipe the card on unauthorized or suspicious places; always look for the RuPay logo at the Point Of Sale machine at Merchant Establishments.
  • Do not swipe your card if the merchant does not have an electronic point of sale card swiping terminal; any usage other than electronic use will be deemed unauthorized, and you will be solely responsible for such transactions.
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