Bank of Baroda VISA Vyapaar Debit Card – Benefits, Fees & Eligibility

Introduction

The VISA Vyapaar Debit Card, issued by Bank of Baroda, is positioned as a premium debit card exclusively for specific current account holders. Its top differentiating benefits include high daily cash withdrawal and purchasing limits, and the convenience of contactless transactions.

Fees

• Issuance Fees: NIL
• Annual Fees: First year free, then Rs. 250/- + Taxes from the second year onwards.
• Re-Issuance Fees: Rs. 200/- + Taxes.
• ATM Transaction Fees (Other Banks): For Current Account holders, no transactions are free at other bank's ATM machines.
• General Charges: Charges for using the Bank of Baroda debit card are subject to change with prior notification to cardholders.
• Lost/Damaged Card: A fresh debit card can be issued in lieu of a lost/damaged card, with applicable charges.

Rewards

• Premium Card Benefits: This is a premium debit card offering enhanced features.
• High Transaction Limits:
  • Cash withdrawal limit: Rs. 2,00,000 per day from ATM.
  • Purchase limit (POS/eCom): Rs. 5,00,000 per day.
  • Cash Deposit limit: Rs. 3,00,000 per day.
  • Withdrawal Frequency: 20.
• Contactless Transactions:
  • Tap to pay functionality.
  • Transactions up to Rs. 5,000 can be done without a PIN at POS.
  • Instant payments at POS in contactless mode.
• Wide Acceptance: Accepted by millions of outlets worldwide that accept VISA Cards.
• Domestic and International Usage: Card can be used for transactions both domestically and internationally.
• E-commerce Transactions: Facilitates online purchases through the internet.
• Security: Secured ATM and POS/E-commerce transactions.
• Offers on Networks: Attractive offers are available on networks like VISA, MasterCard, and RuPay.
• Insurance Benefits (for specific RuPay variants):
  • NPCI offers accidental and total disability insurance for RuPay PMJDY, Platinum, and Select Debit Cards.
  • Sum Insured for RuPay PMJDY (Old): Rs. 1 lac (cards issued till Aug 28, 2018).
  • Sum Insured for RuPay PMJDY (New): Rs. 2 lac (cards issued after Aug 28, 2018).
  • Sum Insured for RuPay Platinum: Rs. 2 lacs.
  • Sum Insured for RuPay Select: Rs. 10 lacs.
• Digital Convenience:
  • Customers can instantly generate debit card PIN using the bob World app / bob World Internet / IVR / BOB ATM.
  • Ability to process domestic e-mandates and recurring payments.
  • Non-personalised debit cards are also issued within 24-48 working hours from receipt.

Card Eligibility Criteria

• Account Holders: Exclusively issued to specific current account holders.
• 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 (RuPay BKCC cards to be issued).
• OD Accounts: Individuals maintaining specific OD accounts (RuPay Mudra cards to be issued).
• Determination: Eligibility is determined by the scheme code and mode of operation used to open the bank customer account.

Important Product Details

• Premium Offering: A premium debit card with higher transaction limits.
• High Daily Limits: Enjoy substantial daily limits for cash withdrawals (Rs. 2,00,000), purchases (Rs. 5,00,000), and cash deposits (Rs. 3,00,000).
• Contactless Payments: Convenient and secure contactless transaction facility available.
• Global Acceptance: Accepted at millions of VISA outlets and ATMs worldwide.
• Digital PIN Generation: Easy and instant generation of Green PIN through multiple digital channels.
• Annual Fees: An annual fee of Rs. 250 + Taxes applies from the second year onwards.
• Other Bank ATM Charges: Current account holders incur charges for all transactions at other bank ATMs.
• Default Channel Restrictions: At issue/re-issue/renewal, debit cards are enabled only for contact-based ATM and POS usage within India. Online, international, and contactless transactions require explicit enablement through BOB ATM, bob World App, bob World Internet, or IVR.
• Card Activation: The card must be activated by its first use at any ATM before it can be used for POS or e-commerce transactions.
• Card Blocking Policy:
  • Soft blocking: 3 wrong PIN attempts in a day (within 24 hours) will block the card for the next 24 hours.
  • Hard blocking: 12 wrong PIN attempts in a month will block the card permanently.

Other Details

Do's

• Use your Bank of Baroda Debit Card for personal use only.
• Generate Debit Card/Green PIN through BOB World App, bob World Internet, IVR, or any nearest Bank of Baroda ATM (applicable for domestic registered mobile numbers). No physical PIN will be sent.
• Ensure to change your PIN at regular intervals.
• Activate your debit card by using it first at any ATM. The card can be used at POS/e-commerce only after activation at an ATM.
• Always ensure your card is used in your presence when transacting at POS and enter the PIN discreetly.
• Register your mobile number with the bank and subscribe for SMS alerts for all Debit Card transactions to avoid suspicious/fraudulent activities.
• Conduct any ATM transaction in complete privacy.
• Beware of "Shoulder Surfing" and shield your PIN from onlookers by covering the keypad.
• Ensure to collect your card, cash, and receipt after completing a transaction.
• Look for extra devices attached to ATMs and inform security guard/bank immediately if any are found.
• After completing your transaction and before leaving the premises, ensure the "Welcome Screen" is displayed in the ATM.
• 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 held back by an ATM, inform the 24-hour Customer Care.
• Keep an eye on suspicious movements of people around ATMs and beware of strangers trying to engage you in conversation.
• When destroying your card upon expiry or account closure, cut it into four pieces through the magnetic stripe before disposing of it.
• Verify emails and links that appear to be from your social networking site, as these could be phishing emails.
• Always ensure that the address of the website for transactions starts with https://.

Don'ts

• Don't give your Debit Card to anyone. If you need to surrender the card, request closure and hand it over to Bank Officials after destruction. You can also block a card using BOB World (Mobile Banking), bob World Internet (Internet Banking), IVR, or WhatsApp Banking.
• Don't keep a written record of the PIN in any form, place, or manner that may facilitate its misuse. Memorizing your PIN is advised.
• Don't disclose your Card/PIN details over email links/phone calls/to bank officials, even if they claim to be from Bank of Baroda. The Bank will never request such details.
• Don't overlook or ignore transaction alerts received through SMS.
• Never lend your card to anyone.
• Do not write your PIN on the card or on the cover of the card.
• Never share your PIN with anyone or seek help from anybody by handing over the card and revealing the PIN.
• Never let anyone see you entering your PIN.
• Never use a PIN that could be easily guessed (e.g., your birthday or telephone number). Use of non-dictionary words is advised.
• Never leave your card in the ATM.
• Do not forget to collect dispensed cash as the ATM does not take it back.
• 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.

How to Apply for a Debit Card

• In person at your local branch.
• Online through the bob World App.
• Online through the bob World Internet.
• By calling the contact centre.

How to Use/Activate a Debit Card

• 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.
• A physical PIN will be given to NRI customers along with new cards at their base branch. NRI clients can make an ATM withdrawal transaction to activate the debit card.
• The card must be used first at any ATM to activate it. After activation, it can be used at POS/e-commerce.

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 a Debit Card

Customers can hotlist (block) their debit card through the following modes:

• Contact Centre/Toll-Free Numbers (1800 5700 / 1800 5000):
  1. Press 2 to Continue.
  2. Press 1 for Lost Card Option.
  3. Press 1 to Continue for Blocking the Debit Card.
  4. Press 1 to Block the Debit Card.
  5. Enter 14-digit Account number.
  6. Enter last 4-digits of the Debit card.
  7. Press 1 to confirm the Blocking of Debit Card.
  • An SMS of the blocked Debit card will be sent to your registered mobile number.
• Mobile Banking (bob World App):
  1. Login to Baroda bob World.
  2. Click on "Cards" on the bottom of the home page.
  3. Select "Debit Card Hot listing".
  4. All Debit Cards (in OPEN status) linked with the customer ID will be displayed with a BLOCK CARD button.
  5. Click Block Card for the debit card to be blocked.
  6. Enter transaction PIN and click Okay.
  7. Card will be blocked instantly, with a success confirmation POP up and text message.
  8. To unblock, a request must be made at the branch.
• WhatsApp Banking (8433 888 777):
  1. Say "Hi" to Bank of Baroda’s WhatsApp Banking Number.
  2. Select Block Debit Card option.
  3. Select card number for blocking.
  4. Click confirm to block card.
  5. Card blocked successfully, and SMS triggered.
• Net Banking (bob World Internet):
  1. Login to bob World Internet.
  2. Click on "Services" tab.
  3. Select "Service Requests" -> "New Requests".
  4. Click on "Operative Accounts".
  5. Select "Block Debit Card".
  6. Select the debit card to be blocked and click continue.
  7. Select reason for Blocking, enter remarks, and transaction password.
  8. Click "Submit".
  9. Card will be blocked instantly, with on-screen confirmation.
  10. To unblock, a request must be made at the branch.
• Nearest Bank of Baroda Branch: Request for blocking can be submitted by visiting any nearest Bank of Baroda Branch.

Enabling Debit Card Transaction Channels or Setting Limits

• At the time of issue/re-issue/renewal, all debit cards are enabled only for use at contact-based points of usage (ATMs and Point of Sale devices) within India.
• To enable other transaction channels (online, international, contactless) and set transaction limits, log in to bob World (Mobile Banking) or bob World Internet (Internet Banking), visit a BOB ATM, or call IVR 1800 5700.
• Kindly use your card for the first transaction on an ATM or for Green PIN generation through bob World (Mobile Banking) or bob World Internet (Internet Banking) or visit a BOB ATM or call IVR 1800 5700, and then try online transactions.
• International usage/contactless facility can only be enabled for International/Contactless Debit Card variants.

Linking Multiple Accounts

• A maximum of 9 accounts held in the same name and same capacity can be linked to a Debit Card.
• Submit a request for linking multiple accounts on your Debit Card to your base branch.

Debit Card Non-Renewal Consent

• If you prefer not to renew your Bank of Baroda Debit Card, block the card via Branch/IVR (1800 5700)/bob World app/bob World Internet latest by 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.
• Bank sends SMS notifications regarding these guidelines 35-40 days before the card expiry date; ensure your mobile number is correctly registered.

General Debit Card Information

• A debit card is a multipurpose card used for ATM, POS, online, and contactless transactions. An ATM card can only be used for ATM transactions.
• Bank of Baroda Debit cards are accepted at ATMs that are part of networks such as RuPay, Visa, and Master Card.
• Customers must frequently use the debit card to avoid it being blocked.
• A Debit Card cannot be used without a PIN, except for contactless transactions up to Rs. 5,000 as per RBI guidelines, which can be managed via BOB ATM/bob World App/bob World Internet/IVR.

Assistance and Contact Information

• Toll-Free Number (Domestic): 1800 5700, 1800 5000
• Toll-Free Number (For Domestic Customers Calling From Abroad, 24X7): +91 79-66296009
• Branch/BC Agent Locator: Facilities available to locate branches and BC agents.

Legal Disclaimers

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