Bank of Baroda World Agniveer Debit Card – Benefits, Fees & Eligibility

Introduction

The bob World Agniveer Debit Card from Bank of Baroda is a specially curated debit card designed exclusively for Agniveers recruited under the AGNIPATH Scheme of the Government of India. Positioned as a specialized offering for defence personnel, it comes with no issuance or annual fees, offers unlimited free ATM usage at all Bank of Baroda ATMs, and provides significant benefits such as personal accident insurance cover up to Rs. 10 lakhs and access to domestic and international airport lounges.

Fees

• Issuance Fee: NIL
• Annual Fee: NIL
• ATM Usage: Unlimited free ATM usage at all Bank of Baroda ATMs.
• Retail or Online Transactions: No fees for using the card for retail or online transactions.
• Other Service Charges: For other service charges related queries, cardholders should refer to the Debit Card section on the Bank of Baroda's website.

Rewards

• Personal Accident Insurance:
  • Includes Accident Death or Permanent Total Disability cover of up to Rs. 10 lakhs.
  • The insurance facility is managed by RuPay.
  • Eligibility for Coverage: 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 accident, including the accident date.
• Airport Lounge Access:
  • Access to Domestic and International Airport Lounges.
  • Domestic Airport Lounge Access: One complimentary access per Quarter on spends of ₹5,000 or more (POS/e-commerce transactions only) in the previous Quarter (effective from 03.11.2025).
  • International Airport Lounge Access: One complimentary access per Calendar Year (effective from 01.04.2025).
  • Important Note: The complimentary International Airport Lounge Access facility offered on your RuPay Platinum Debit Card will be discontinued effective from 01.04.2026.
• Exclusive Offers: Access to exclusive offers from partner merchants. Details can be found on www.rupay.co.in/rupay-offers.

Card Eligibility Criteria

• Defence personnel who are recruited through the Agnipath scheme.
• Must be maintaining a Salary account with Bank of Baroda under scheme code SB-186.
• The account must have a constitution code as AGNVE.
• The mode of operation for the account must be "Self" or "Either or Survivor" or "Anyone or Survivor".
• Applicants must be currently serving as Agniveer in the Indian Army / Indian Navy / Indian Air Force.

Card Review

The bob World Agniveer Debit Card is an excellent offering tailored specifically for Agniveers, providing a robust set of features without any annual or issuance fees. Its key strengths include high daily transaction limits, comprehensive personal accident insurance, and valuable airport lounge access benefits. While the international lounge access is set to be discontinued, the domestic lounge benefit remains a strong perk for eligible users. This card is ideal for Agniveers seeking a zero-fee debit card that combines high utility with significant lifestyle and security benefits, making it a valuable financial tool for this specific demographic.

Important Product Details

• Available in both Domestic and International variants.
• Daily Cash Withdrawal Limit: Rs. 50,000 from ATM.
• Daily POS/E-commerce Transaction Limit: Up to Rs. 1,00,000.
• 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 for retail: Rs. 200.
  • Maximum per transaction limit for transit: Rs. 2000.
  • Maximum daily limit for card for number of offline purchase transactions: 20.
• Card can be used for domestic as well as international transactions.
• For international usage, the card can be used at ATM/POS terminals displaying Discover, Diners Club International, or Pulse logos.
• E-commerce transactions are accepted wherever RuPay Cards are accepted.
• Features secured PIN & CVD2 for online transactions.
• Acceptable at all NFS ATMs and RuPay POS across India.
• Contactless transactions up to Rs. 5,000 can be done without PIN at POS.
• To avail complimentary benefits, visit https://www.rupay.co.in/.

Other Details

• The Bank of Baroda may use the services of agents in sales/marketing etc. of its various products. These agents may call customers to increase digital awareness and adoption.
• Toll-Free Number: 1800 5700 for assistance.
• Information regarding the Bank's cookie policy, privacy policy, and terms & conditions is available on their website.
• Links are provided to apply for the card, download forms, and view offers.
• In case the card is lost, stolen, or damaged, cardholders should inform the Bank immediately to get it blocked. Reissuance is possible.