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

Introduction

The Bank of Baroda RuPay Platinum Debit Card is a versatile offering designed for both domestic and international transactions, providing a blend of convenience and security. It supports contactless payments and comes with attractive offers, making it suitable for quick and easy shopping. A key differentiating benefit is the complimentary Personal Accident Insurance cover of up to Rs. 2 Lakh, along with high daily transaction limits. This card is linked to various Bank of Baroda account tiers, including specific Savings, Current, CC, and OD accounts.

Welcome Benefits

• The annual fees for the RuPay Platinum Debit Card are waived for the first year.

Transaction Limits & Usage

• Daily ATM Withdrawal Limit: Rs. 50,000.
• Daily POS/E-commerce Transaction Limit: Up to Rs. 1,00,000.
• Contactless Transactions:
  • Up to Rs. 5,000 can be done without a PIN at POS terminals.
  • Daily limit of 20 offline purchase transactions.
• Prepaid Wallet Contactless Transactions:
  • Maximum per transaction limit for money add: Rs. 500.
  • Maximum daily limit for money add: Rs. 2,000.
  • Number of money add transactions allowed per day: 4.
  • Maximum balance in card (stored value) at any point: Rs. 2,000.
  • Maximum per transaction limit for retail: Rs. 200.
  • Maximum per transaction limit for transit: Rs. 2,000.
• International Usage:
  • The card can be used for domestic as well as international transactions.
  • Accepted at ATM/POS terminals displaying Discover, Diners Club International, or Pulse logos.
  • E-commerce transactions are accepted wherever RuPay Cards are accepted.
  • By default, cards are enabled only for contact-based usage (ATMs and POS) within India. Online, international, and contactless usage needs to be enabled by the cardholder through BOB ATM, bob World App (Mobile Banking), bob World Internet (Internet Banking), or IVR.
• Card Activation: The card must be activated by using it first at any ATM. POS/e-commerce usage is enabled only after ATM activation.

Fees and Charges

• Issuance Fees: Rs. 300 + Taxes.
• Annual Fees: First year free, then Rs. 300 + Taxes from the second year onwards.
• Re-Issuance Fees: Rs. 200 + Taxes.
• ATM Withdrawal Charges (Other Bank's ATM for Current Account Holders): No transactions are free.

Rewards & Offers

• Personal Accident Insurance Cover:
  • Provides coverage of up to Rs. 2 Lakh for Accidental Death or Permanent Total Disability.
  • The insurance facility is managed by RuPay.
  • Eligibility for coverage requires the cardholder to perform a minimum of one successful RuPay Card induced financial transaction at any POS/E-commerce (on us or off us) within 30 days prior to the date of the accident, including the accident date.
  • This cover is provided by NPCI for RuPay Premium Cards (Platinum and Select).
• Exclusive Merchant Offers: Access to exclusive offers from partner merchants.
• Complimentary Airport Lounge Access: This facility will be discontinued effective April 1, 2026.
• Debit Card EMI Offers: The card supports the ability to process domestic e-mandates and recurring payments, allowing for EMI purchases on various products.

Account & Eligibility Criteria

• Eligible Account Types:
  • Individuals maintaining specific Savings accounts with operational instructions as “Self,” “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, or Authorised Signatory.
  • Individuals maintaining specific CC accounts (RuPay BKCC cards are issued).
  • Individuals maintaining specific OD accounts (RuPay Mudra cards are issued).
• Eligibility Determination: Eligibility is determined by the scheme code and mode of operation used to open the bank customer account.
• Linked Accounts: 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 Review

The Bank of Baroda RuPay Platinum Debit Card is a strong contender for individuals seeking a feature-rich debit card with robust transaction capabilities and an added layer of security through personal accident insurance. Its high daily ATM and POS/E-commerce limits make it suitable for significant spending, while contactless payment options enhance convenience. The first-year fee waiver is a welcome perk, though an annual fee applies from the second year. The discontinuation of airport lounge access from April 2026 is a drawback. Overall, it's a valuable card for those who prioritize high transaction limits, international usage, and insurance benefits, provided they meet the transaction criteria for the insurance cover.

Important Product Details

• Card Variant: RuPay Platinum.
• Key Highlights:
  • Supports international and domestic transactions.
  • Offers quick and easy shopping with contactless payment options.
  • Includes a Personal Accident Insurance cover of up to Rs. 2 Lakh.
  • Provides exclusive offers from partner merchants.
  • Secured with PIN and CVD2 for online transactions.
  • Accepted at all NFS ATMs and RuPay POS across India.
• Considerations:
  • Annual fees apply from the second year onwards.
  • Complimentary Airport Lounge Access will be discontinued from April 1, 2026.
  • Eligibility for insurance requires a minimum of one successful RuPay card transaction within 30 days prior to the accident.

Other Details

• PIN Generation: Debit Card/Green PIN can be generated 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. NRI customers receive a physical PIN and activate the card via an ATM withdrawal.
• Security:
  • Secured PIN & CVD2 for online transactions.
  • Register mobile number for SMS alerts on all debit card transactions.
  • Soft Blocking: After 3 attempts of a wrong PIN within a day (24 hours), the debit card will be blocked for the next 24 hours.
  • Hard Blocking: After 12 attempts of a wrong PIN within a month, the debit card will be blocked permanently.
• Hotlisting Options: Debit Card can be hotlisted (blocked) via Contact Centre (1800 5700), bob World App (Mobile Banking), WhatsApp Banking (8433 888 777), bob World Internet (Net Banking), or by visiting any 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/bob World Internet at least one month prior to the card renewal month. Not blocking the card will be taken as consent for renewal.
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