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

Introduction

The bob World Agniveer Debit Card, issued by Bank of Baroda, is a specialized RuPay network debit card designed exclusively for Agniveers recruited under the Agnipath Scheme of the Government of India. This card offers key benefits such as zero issuance and annual fees, unlimited free ATM usage at all Bank of Baroda ATMs, and a substantial personal accident insurance cover of up to Rs. 10 lakhs. It supports both domestic and international transactions, providing convenient access to funds and various perks tailored for its target demographic.

Fees & Charges Breakdown

• Joining Fee: NIL
• Renewal Fee: NIL (Annual fee is NIL)
• Interest Rates: Not applicable (Debit Card)
• Cash Advance Charges: Not applicable (Debit Card)
• Add-on Card Fee: Not specified
• ATM Usage: Unlimited Free ATM usage at all Bank of Baroda ATMs
• Retail/Online Transactions: No fees for using the card for retail or online transactions.
• Other Service Charges: For other service charges, cardholders are advised to refer to the Debit Card section on the Bank of Baroda's website.

Travel, Lounge & Lifestyle Perks

• Personal Accident Insurance: Up to Rs. 10 lakhs cover for Accident Death or Permanent Total Disability.
  • Condition for Insurance: Cardholder must 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, to be eligible for coverage. This facility is managed by RuPay.
• Domestic Airport Lounge Access: 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).
  • Note: FAQs mention "Two Free Domestic Lounge access in a quarter."
• International Airport Lounge Access: One complimentary International Airport Lounge Access per Calendar Year (effective from 01.04.2025).
• Lounge Access Discontinuation: The complimentary Airport Lounge Access facility offered on 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.
• Complimentary Benefits: To avail complimentary benefits, visit https://www.rupay.co.in/.

Card Eligibility Criteria & Income Requirements

• Target Group: Defence personnel recruited through the Agnipath scheme.
• Account Requirement: Must be maintaining a Salary account with Bank of Baroda under scheme codes SB-186.
• Constitution Code: Account must have a constitution code as AGNVE.
• Mode of Operation: Account mode of operation must be "Self" or "Either or Survivor" or "Anyone or Survivor".
• Serving Status: Defence Personnel currently serving as Agniveer in the Indian Army / Indian Navy / Indian Air Force.

Important Product Details

• Card Type: Domestic as well as International RuPay Platinum Debit Card.
• Daily Cash Withdrawal Limit (ATM): Rs. 50,000.
• Daily POS/E-commerce Transaction Limit: Up to Rs. 1,00,000.
• International Usage: The card can be used for domestic and international transactions at ATM/POS terminals displaying Discover, Diners Club International, or Pulse logos. E-commerce transactions are accepted wherever RuPay Cards are accepted.
• Online Transaction Security: Secured with PIN & CVD2 for online transactions.
• Acceptance: Acceptable at all NFS ATMs and RuPay POS across India.
• Contactless Transactions: Up to Rs. 5,000 can be done without PIN at POS.
• Prepaid Wallet Contactless Transactions Limits:
  • Maximum per transaction limit for money add transaction: Rs. 500.
  • Maximum daily limit for money add transaction: 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.
  • Maximum daily limit for card for number of offline purchase transactions: 20.

Other Details

• The Bank may utilize the services of agents for sales, marketing, and increasing digital awareness and adoption of its products.
• In case the card is lost, stolen, or damaged, cardholders should immediately inform the Bank to block the card. Reissuance of the bob World Agniveer Debit Card is possible.
• For assistance, a Toll Free Number 1800 5700 is available.
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