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

Introduction

The RuPay Platinum Debit Card, issued by Bank of Baroda, is a revamped debit card designed for both contact and contactless transactions. It offers a blend of convenience and security, positioning itself as a versatile option for daily spending. Key differentiating benefits include complimentary access to domestic and international airport lounges (with specific conditions), a personal accident insurance cover of up to Rs. 2 Lakh, and exclusive offers from partner merchants.

Welcome Benefits

• The first year annual fee for the card is free.

Fees

• 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
• Charges for using the Bank of Baroda debit card are subject to change with prior notification to cardholders.
• A fresh Debit Card issued in lieu of a lost/damaged card will incur charges.
• No free transactions are available for Current Account holders at other bank’s ATM machines.

Rewards

• General Usage & Transactions:
  • Supports both contact and contactless transactions.
  • Offers attractive schemes in coordination with NPCI.
  • Daily cash withdrawal limit of Rs.50,000 from ATMs.
  • Daily POS/E-commerce transaction limit up to Rs 1,00,000.
  • Can be used for domestic as well as international transactions.
  • For international usage, the card is accepted at ATM/POS terminals displaying Discover, Diners Club International, or Pulse logos.
  • Accepted for E-commerce transactions wherever RuPay Cards are supported.
  • Features secured PIN & CVD2 for online transactions.
  • Acceptable at all NFS ATMs and RuPay POS across India.
  • Contactless transactions up to Rs 5000 can be done without a PIN at POS terminals.
  • Daily limit of 20 offline transactions.
  • Enables quick and easy shopping.
  • Allows processing of domestic e-mandates and recurring payments.
  • Customers can instantly generate their debit card PIN using the bob World App, bob World Internet, IVR, or any Bank of Baroda ATM.
  • Performs instant payments at POS in contactless mode.
  • Non-personalised debit cards are issued within 24-48 working hours from the receipt of the non-personalised card.
• Lounge Access:
  • Provides access to Domestic and International airport lounges.
  • One Complimentary Domestic Airport Lounge access per Quarter on spends of ₹5,000 or more (POS/e-commerce transactions only) in the previous Quarter (effective from 03.11.2025).
  • One Complimentary International Airport Lounge Access per Calendar Year (effective from 01.04.2025).
  • Note: The Complimentary Airport Lounge Access facility offered on your RuPay Platinum Debit Card will be discontinued effective from 01.04.2026.
• Insurance:
  • Includes Personal Accident Insurance cover (Accidental Death or Permanent Total Disability) of up to Rs.2 Lakh.
  • The insurance facility is managed by RuPay.
  • To be eligible for coverage, the cardholder needs to perform a minimum of one successful RuPay Card induced financial transaction at any POS/Ecom (on us or off us) within 30 days prior to the date of the accident, including the accident date.
  • To keep this insurance coverage in force, at least one successful debit card transaction is required at any POS/E-commerce platform (on us or off us) within every 30 days.
  • RuPay Premium Cards (Platinum and Select) are eligible for Accidental Death and Total Disability Insurance.
  • The Sum Insured for RuPay Platinum is Rs. 2 lakhs.
• Exclusive Offers:
  • Access to exclusive offers from partner merchants. Details can be found on the RuPay website.
  • Attractive offers are available on networks including VISA, MasterCard, and RuPay.

Card Eligibility Criteria

• Eligibility Rules:
  • 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; or Authorised Signatory.
  • Individuals maintaining specific CC accounts are eligible for RuPay BKCC cards.
  • 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.

Card Review

The RuPay Platinum Debit Card from Bank of Baroda is a robust offering for individuals seeking a feature-rich debit card. It caters to both domestic and international transaction needs with high daily limits and contactless payment capabilities. The inclusion of personal accident insurance and airport lounge access adds significant value, positioning it as a premium debit card.

• Who Should Apply: This card is ideal for Bank of Baroda customers who frequently use their debit card for both online and offline purchases, including international transactions. It's particularly beneficial for those who can meet the spend criteria to avail lounge access and maintain regular card usage to ensure insurance coverage.
• Pros:
  • Comprehensive Personal Accident Insurance cover of up to Rs. 2 lakhs.
  • Complimentary Domestic and International Airport Lounge access (though with future discontinuation).
  • High daily transaction limits for POS/E-commerce (up to Rs 1,00,000).
  • Convenient contactless payment facility up to Rs 5000 without a PIN.
  • Wide acceptance network including RuPay, Discover, Diners Club International, and Pulse.
  • First year annual fee waiver.
  • Easy digital management for PIN generation and channel enablement.
• Cons:
  • The complimentary airport lounge access facility is scheduled to be discontinued from April 1, 2026.
  • Insurance coverage requires a successful card transaction within every 30 days to remain active.
  • An annual fee applies from the second year onwards.
  • Issuance and re-issuance fees are applicable.
  • International, online, and contactless transaction channels may require manual enablement by the user.
  • No free transactions at other bank's ATMs for Current Account holders.

Important Product Details

• Positive Highlights:
  • Personal Accident Insurance cover (Accidental Death or Permanent Total Disability) of up to Rs. 2 lakhs.
  • One Complimentary Domestic Airport Lounge access per Quarter on spends of ₹5,000 or more in the previous Quarter (w.e.f 03.11.2025).
  • One Complimentary International Airport Lounge Access per Calendar Year (w.e.f 01.04.2025).
  • Daily POS/E-commerce transaction limit up to Rs 1,00,000.
  • Daily cash withdrawal limit of Rs.50,000 from ATM.
  • Contactless transactions up to Rs 5000 can be done without PIN at POS.
  • First year annual fee is free.
  • Supports both domestic and international transactions.
  • Access to exclusive offers from partner merchants.
• Negative Highlights:
  • The Complimentary Airport Lounge Access facility will be discontinued w.e.f 01.04.2026.
  • Eligibility for insurance coverage requires a successful RuPay Card transaction within 30 days prior to the accident date.
  • Annual fee of Rs.300/- +Taxes applies from the second year onwards.
  • Issuance fee of Rs.300/- +Taxes.
  • Re-Issuance fee of Rs.200/- +Taxes.
  • International usage and certain transaction channels (online/contactless) may need to be enabled manually by the user.
  • Soft blocking of the debit card occurs after 3 attempts of a wrong PIN in a day (within 24 hours) for the next 24 hours.
  • Hard blocking of the debit card occurs after 12 attempts of a wrong PIN in a month, leading to permanent blocking.

Other Details

• Prepaid Wallet Contactless Transactions Limits:
  • Maximum per transaction limit for money add transaction: Rs. 500.
  • Maximum daily limit for money add transaction: Rs. 2000.
  • Number of money add transactions allowed per day: 4.
  • Maximum balance in card (stored value) at any point: Rs. 2000.
  • Maximum per transaction limit of Rs. 200 for retail and Rs. 2000 for transit.
  • Maximum daily limit for card for number of offline purchase transactions: 20.
• Card Management and Security Guidelines:
  • To maintain insurance coverage, ensure at least one successful debit card transaction at any POS/E-commerce platform within every 30 days.
  • Generate Debit Card/Green PIN via BOB World App, bob World Internet, IVR, or any Bank of Baroda ATM. Physical PINs are not sent for domestic registered mobile numbers.
  • Activate your Debit Card by using it first at any ATM before using it at POS/e-commerce.
  • Change your PIN at regular intervals.
  • Always ensure your card is used in your presence when transacting at POS and enter your PIN discreetly.
  • Register your mobile number with the bank and subscribe to SMS alerts for all Debit Card transactions to prevent fraudulent activities.
  • Conduct ATM transactions in complete privacy and shield your PIN from onlookers.
  • Collect your card, cash, and receipt after completing a transaction.
  • Be vigilant for extra devices attached to ATMs; report any suspicious findings to security or the bank immediately.
  • Ensure the "Welcome Screen" is displayed in the ATM after your transaction is complete.
  • Regularly check account statements and immediately report any unauthorized card transactions to your bank after blocking your Debit Card.
  • Immediately inform the Bank if your ATM/Debit Card is lost or stolen. If your card is retained by an ATM, inform the 24-hour Customer Care.
  • Be aware of suspicious movements around ATMs and strangers attempting to engage you in conversation.
  • Upon card expiry or account closure, destroy your card by cutting it into four pieces through the magnetic stripe before disposal.
  • Verify emails and links, especially those purporting to be from social networking sites or the bank, as they may be phishing attempts.
  • Always ensure that the website address for transactions starts with "https://" and not "http://".
  • Do not give your Debit Card to anyone. If surrendering, request card closure and hand it over to Bank Officials after destruction.
  • Do not keep a written record of your PIN; memorize it.
  • Do not disclose your Card/PIN details over email, phone calls, or to bank officials, as the Bank will never request such details.
  • Do not overlook or ignore transaction alerts received via SMS.
  • Never lend your card to anyone or write your PIN on the card or its cover.
  • Never share your PIN or seek help from anyone by handing over the card and revealing the PIN.
  • Never let anyone see you entering your PIN.
  • Never use an easily guessed PIN (e.g., birthday or telephone number); use non-dictionary words.
  • Never leave your card in the ATM.
  • Do not forget to collect dispensed cash.
  • Avoid posting personal information such as your address, phone numbers, email address, license number, Aadhaar number, birth place, location for any given day, school’s name of kids, and family details online.
• Customer Support:
  • Toll Free Number (Domestic): 1800 5700, 1800 5000
  • Toll Free Number for Domestic Customers Calling From Abroad (24X7): +91 79-66296009
  • Branch Locator and BC Agent Finder services are available.
• How to Apply for a Debit Card:
  • Customers may apply in person at their local branch.
  • Online through the bob World App.
  • Online through the bob World Internet.
  • By calling the contact centre.
• How to Use a Debit Card (Activation):
  • After receiving a debit card, the customer must create a green PIN using a BOB ATM, bob World App, bob World Internet, or by calling IVR.
  • NRI customers receive a physical PIN with new cards at their base branch and can activate the debit card by making an ATM withdrawal transaction.
• Debit Card Functionality:
  • A debit card is a channel for making payments via POS terminals, ATMs, and online stores, with money immediately debited from the linked bank account.
  • A debit card is a multipurpose card for ATM, POS, online, and contactless transactions, whereas an ATM card is only for ATM transactions.
  • Bank of Baroda Debit cards are accepted at ATMs that are part of a network, such as RuPay, Visa, Master Card, and others.
  • Customers must frequently use the debit card to avoid it being blocked.
  • A Debit Card cannot be used without a PIN, however, contactless transactions up to Rs. 5,000/- can be done without a PIN at POS, manageable via BOB ATM/bob World App/bob World Internet/IVR.
  • At the time of issue/re-issue/renewal, all debit cards are enabled only for contact-based points of usage (ATMs and Point of Sale devices) within India. Online/international/contactless transactions must be enabled manually through BOB ATM/bob World App (Mobile Banking)/bob World Internet (Internet Banking)/IVR.
  • It is recommended to use your card for the first transaction on a BOB ATM or for Green PIN generation before attempting online transactions.
  • International usage and contactless facility can only be enabled for International/Contactless Debit Card variants.
  • A maximum of 9 accounts held in the same name and capacity can be linked to a Debit Card by submitting a request to your base branch.
• Reasons for Debit Card Not Working on ATMs:
  • The debit card may be blocked.
  • The card may not have been swiped properly.
  • The card might be damaged/deteriorated.
  • The linked account may be inoperative or frozen.
  • An incorrect PIN may have been used.
  • Connectivity from the ATM may have failed.
  • The ATM channel may have been disabled by the user.
• 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) a Debit Card:
  • Contact Centre/Toll Free Numbers 18005700: Follow IVR prompts (Press 2, then 1 for Lost Card, then 1 to Block, enter 14-digit Account number, last 4-digit of Debit card, confirm).
  • Mobile Banking (bob World App): Login to Baroda bob World, go to "Cards", select "Debit Card Hot listing", click "BLOCK CARD" for the relevant card, enter transaction PIN.
  • WhatsApp Banking: Say "Hi" to Bank of Baroda’s WhatsApp Banking Number 8433 888 777, select Block Debit Card option, select card number, confirm.
  • Net Banking (bob World Internet): Login to bob World Internet, go to "Services" tab, select "Service Requests", then "New Requests", click on "Operative Accounts", select "Block Debit Card", choose card, reason, remarks, and transaction password.
  • Nearest Bank of Baroda Branch: Submit a request for blocking the debit card by visiting any nearest branch.
  • To unblock a debit card, a request must be submitted at the customer's base branch.
• Enabling Debit Card Transaction Channels or Setting Limits:
  • At issue/re-issue/renewal, all debit cards are enabled only for contact-based usage (ATMs and Point of Sale devices) within India.
  • To enable other transaction channels and set transaction limits, log in to bob World (Mobile Banking) or bob World Internet (Internet Banking) or visit a BOB ATM or call IVR 1800 5700.
  • It is advised to use your card for the first transaction on an ATM or for Green PIN generation before attempting online transactions.
• Non-Renewal Consent for Debit Cards:
  • If you prefer not to renew your debit card, block the card via Branch/ IVR (1800 5700)/ bob World app/ bob World Internet at least one month prior to your Card Renewal Month. Blocking the debit card from any channel will be considered as consent for non-renewal.
  • Not blocking the debit card will be taken as consent for card renewal.
  • The Bank sends SMS notifications regarding these guidelines 35-40 days before the card expiry date.
• Legal Disclaimers:
  • The Bank may utilize agents for sales/marketing of its products, who may contact customers to promote digital awareness and adoption.
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