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

Introduction

The RuPay Qsparc NCMC Debit Card, issued by Bank of Baroda, is a first-of-its-kind Debit cum Prepaid Card, also known as the "One Nation One Card" (National Common Mobility Card). It is designed for versatile use, supporting both offline (contactless) and online transactions across various payment applications, including transit (metro, bus, toll), shopping, ATM, and POS. Key differentiating benefits include its dual debit-cum-prepaid functionality, high daily limits for cash withdrawal and purchases, and the convenience of contactless payments.

Fees

• Charges for using the Bank of Baroda debit card are subject to change and are detailed on the bank's service charges page.
• A fee is charged for issuing a fresh Debit Card in lieu of a lost or damaged card.
• For Current Account holders, no transactions are free at other bank ATMs.

Rewards

• Attractive offers are available on the RuPay network.
• NPCI provides Accidental Death and Total Disability insurance cover for holders of specific RuPay Debit Card variants:
  • RuPay PMJDY Cards:
    • Old PMJDY Cards (issued till August 28, 2018): Sum insured Rs. 1 lac.
    • New PMJDY Cards (issued after August 28, 2018): Sum insured Rs. 2 lac.
  • RuPay Platinum Cards: Sum insured Rs. 2 lac.
  • RuPay Select Cards: Sum insured Rs. 10 lac.

Card Eligibility Criteria

• 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.
• 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

• Who should apply: This card is ideal for individuals seeking a versatile debit-cum-prepaid solution for everyday transactions, transit payments, and high daily limits. It caters to users who prioritize contactless payments and the convenience of a "One Nation One Card" for various payment applications.
• Pros:
  • Dual functionality as a Debit cum Prepaid Card (NCMC).
  • Supports both offline (contactless) and online (contact & contactless) transactions.
  • High daily limits for cash withdrawal (Rs. 50,000) and purchases (Rs. 1,00,000).
  • Contactless transactions up to Rs. 5,000 can be performed without a PIN.
  • Can be used for transit payments (metro, bus, toll).
  • Includes accidental and total disability insurance for eligible RuPay variants.
  • Offers instant PIN generation facility.
• Cons:
  • By default, the card is enabled only for domestic contact-based usage; online, international, and contactless usage needs to be enabled separately.
  • The prepaid wallet has specific, lower transaction and balance limits.
  • Current Account holders do not receive free transactions at other bank ATMs.

Important Product Details

• Card Type: RuPay Qsparc NCMC Debit Card, functioning as a Debit cum Prepaid Card (National Common Mobility Card).
• Functionality: "One Nation One Card" supporting both offline (contactless) and online (contact & contactless) transactions.
• Usage: Can be used for various payment applications including transport (metro, bus, toll), shopping, ATM, and POS.
• Daily Limits:
  • Cash Withdrawal: Rs. 50,000 per day from ATM.
  • Purchase Limit: Rs. 1,00,000 per day (POS).
• Contactless Transactions:
  • Up to Rs. 5,000 can be done without a PIN at POS.
  • Maximum per transaction limit for retail is Rs. 200 and for transit is Rs. 2,000 (for prepaid wallet).
• Prepaid Wallet Limits:
  • Maximum per transaction 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 daily limit for offline purchase transactions: 20.
• Default Usage: 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.
• Channel Enablement: Online, international, and contactless transaction channels need to be enabled separately via BOB ATM, bob World App (Mobile Banking), bob World Internet (Internet Banking), or IVR.
• First Use: The card must be used for the first transaction at any ATM or a Green PIN must be generated via BOB ATM/bob World App/bob World Internet/IVR before it can be used at POS/e-commerce.
• Insurance Benefit: Accidental Death and Total Disability cover is provided by NPCI for eligible RuPay variants (PMJDY, Platinum, Select).

Other Details

• Application Process:
  • Customers may apply for a debit card in person at their local branch.
  • Online through the bob World App.
  • Online through the bob World Internet.
  • By calling the contact centre.
• Card Activation:
  • Customers 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 along with new cards at their base branch and can activate the debit card by making an ATM withdrawal transaction.
• PIN Management:
  • Debit Card/Green PIN can be generated through BOB World App, bob World Internet, IVR, and Bank of Baroda ATM. No physical PIN is sent for domestic registered mobile numbers.
  • Ensure to change PIN at regular intervals.
  • Do not write your PIN on the card or its cover, or share it with anyone.
  • 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.
• Account Linking: A maximum of 9 accounts held in the same name and capacity can be linked to a Debit Card by submitting a request to the base branch.
• Card Blocking (Hotlisting):
  • Methods: Contact Centre (toll-free numbers 1800 5700), bob World App (Mobile Banking), WhatsApp Banking (8433 888 777), bob World Internet (Net Banking), or by visiting the nearest Bank of Baroda branch.
  • Example Process (Contact Centre): Press 2 to continue, then 1 for Lost Card Option, then 1 to continue for Blocking the Debit Card, then 1 to Block the Debit Card, enter 14-digit Account number, enter last 4-digits of the Debit card, and press 1 to confirm. An SMS of the blocked Debit card will be sent.
• Card Non-Renewal Consent: To opt out of card renewal, block the card via Branch/IVR (1800 5700)/bob World app/bob World Internet at least one month prior to your Card Renewal Month. Not blocking the debit card will be taken as consent for card renewal.
• Reasons for ATM Transaction Failure: Possible reasons include the debit card being blocked, improper card swipe, damaged/deteriorated card, inoperative or frozen account, incorrect PIN, connectivity failure from the ATM, or the ATM channel being disabled.
• Card Usage and Security Guidelines (Do's and Don'ts):
  • Use your Bank of Baroda Debit Card for personal use only and ensure it is used in your presence.
  • Always enter your PIN discreetly, shielding it from onlookers.
  • Register your mobile number with the bank for SMS alerts on all Debit Card transactions.
  • Immediately report any unauthorized card transactions or if your card is lost or stolen.
  • When destroying an expired or closed card, cut it into four pieces through the magnetic stripe.
  • Beware of phishing emails and always ensure website addresses for transactions start with "https://".
  • Do not give your Debit Card to anyone or disclose your Card/PIN details over email, phone calls, or to bank officials.
  • Do not keep a written record of your PIN or use easily guessable PINs.
  • Do not overlook or ignore transaction alerts received via SMS.
  • Never leave your card in the ATM or forget to collect dispensed cash.
• Customer Support:
  • Toll-Free Number (Domestic): 1800 5700, 1800 5000
  • Toll-Free Number for Domestic Customers Calling From Abroad (24X7): +91 79-66296009
• General Information: The Bank may use the services of agents in sales/marketing and to increase digital awareness and adoption of its products.
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