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

Introduction

The RuPay Classic Debit Card, issued by Bank of Baroda, is an entry-level debit card on the RuPay network designed for everyday transactions. It offers quick and easy shopping, attractive offers, and enhanced security through PIN-based authorization for all transactions. The card is widely accepted across ATMs, POS terminals, and e-commerce platforms, and includes an offline payment feature.

Welcome Benefits

• Attractive offers are available on activation and usage of the card.

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
• Fuel Surcharge Waiver: Not specified.
• Cash Advance Charges: Not applicable for a debit card.
• Interest Rates: Not applicable for a debit card.

Rewards & Cashback Structure

• The card offers attractive deals and offers upon activation and regular usage. Specific reward rates or cashback structures are not detailed.

Important Product Details

• The card is a Zero Threat Debit Card, accepted only at secure PIN-based POS terminals.
• It comes with an offline payment feature.
• Daily ATM Withdrawal Limit: Rs. 25,000.
• Daily POS Spend Limit: Rs. 50,000.
• Transactions at merchant outlets require PIN-based authorization for additional security.
• The card is designed to prevent misuse if lost or stolen due to its mandatory PIN usage.
• Non-personalised debit cards are issued within 24–48 working hours from the receipt of the non-personalised card.
• Contactless payments at POS are available up to Rs. 5,000 without a PIN, and this facility can be managed via BOB ATM, bob World App, bob World Internet, or IVR.
• At the time of issue, re-issue, or renewal, all debit cards are enabled only for contact-based usage (ATMs and POS devices) within India.
• To enable online, international, or contactless transactions, customers must activate these channels through BOB ATM, bob World App (Mobile Banking), bob World Internet (Internet Banking), or IVR.
• A maximum of 9 accounts held in the same name and capacity can be linked to a single Debit Card by submitting a request at the base branch.
• Soft Blocking: After 3 incorrect PIN attempts within a day (24 hours), the debit card will be blocked for the next 24 hours.
• Hard Blocking: After 12 incorrect PIN attempts within a month, the debit card will be blocked permanently.
• Hotlisting (Blocking) Options:
  • Contact Centre/Toll-free numbers (1800 5700).
  • bob World App (Mobile Banking).
  • WhatsApp Banking (Number: 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, 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.

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 is determined by the scheme code and mode of operation used to open the bank customer account.

Other Details

• The Bank may use the services of agents for sales and marketing of its products, including increasing digital awareness and adoption.
• The RuPay Classic Debit Card is accepted at over 6,900 Bank of Baroda Interconnected ATMs, more than 1,18,000+ ATMs of National Financial Switch member banks, and all NPCI member bank ATMs bearing the RuPay logo across the country.
• It is accepted for convenient shopping and dining at outlets accepting RuPay Cards in India.
• A debit card is a multipurpose card used for ATM, POS, online, and contactless transactions, whereas an ATM card is solely for ATM transactions.
• Customers are advised to use their debit card frequently to avoid it being blocked.
• Current Account holders do not receive any free transactions at other bank's ATM machines.
• NPCI provides Accidental Death and Total Disability insurance cover for specific RuPay variants:
  • RuPay PMJDY Cards: Sum insured is Rs. 1 lac for Old PMJDY Cards (issued till 28th August 2018) and Rs. 2 lac for New PMJDY Cards (issued after 28th August 2018).
  • RuPay Platinum Cards: Sum insured is Rs. 2 lacs.
  • RuPay Select Cards: Sum insured is Rs. 10 lacs.
• Customer Assistance Toll-Free Numbers:
  • Domestic: 1800 5700, 1800 5000
  • For Domestic Customers Calling From Abroad (24x7): +91 79-66296009
• Customers can generate their Debit Card/Green PIN through BOB World App, bob World Internet, IVR, and any nearest Bank of Baroda ATM. No physical PIN is sent for domestic registered mobile numbers.
• For NRI customers, a physical PIN is provided with new cards at their base branch, and activation requires an ATM withdrawal transaction.
• All debit cards are initially enabled for use only at contact-based points of usage (ATMs and POS devices) within India. Cards never used for online/international/contactless transactions will be mandatorily disabled for these purposes until enabled by the customer.
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