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

Introduction

The bob World Sapphire is a premium debit card offered by Bank of Baroda, designed as a complete package for both men and women. It provides carefully chosen experiences on premium brands, luxurious hotels, and travel privileges. Key differentiating benefits include attractive discounts on premium brands, exclusive benefits through the Visa Luxury Hotel Collection, and complimentary domestic airport lounge access.

Welcome Benefits

• The complimentary Lifestyle voucher worth Rs. 750/-, previously offered as a welcome benefit, has been discontinued effective April 1, 2024.
• The complimentary airport pickup and drop facility has been discontinued effective July 1, 2025.

Fees

• Joining Fees: ₹ 750/- (for the first year)
• Annual Fees: ₹ 750/- (from the 2nd year onwards)

Rewards

• General Benefits
  • Attractive discounts on premium brands.
• Travel
  • Complimentary domestic airport lounge access.
  • Complimentary benefits on selected Visa Luxury Hotel Collection.
  • Exclusive travel benefits and offers with partners such as ITC Hotel, Abhibus, Yatra, Delhi Airport, Hyderabad Airport, Mokobara, and Bloom Hotels.
  • Access to Visa Meet & Assist services.
• Apparel & Accessories
  • Shopping benefits and offers with partners including Fastrack, Titan, Da Milano, Lifestyle, Max Online, Clovia, Bewakoof, Ajio Luxe, Steve Madden, Snitch, Gehna, GRT Jewellers, and Joyalukkas.

Card Eligibility Criteria

• Individuals maintaining Savings and Current Accounts with Bank of Baroda under eligible scheme codes are eligible.
• A Quarterly Average Balance (QAB) of Rs. 10,000/- is required for Sapphire debit card issuance.
• Debit cards are allowed for modes of operation such as 'Self,' 'Either or Survivor,' or 'Anyone or Survivor' in Savings scheme codes.
• For Current Account schemes, the 'Proprietor' mode of operation is eligible.

Important Product Details

• Highlights:
  • Offers attractive discounts on premium brands.
  • Provides complimentary domestic airport lounge access.
  • Includes benefits from the Visa Luxury Hotel Collection.
  • High daily ATM withdrawal limit of ₹ 3,00,000.
  • High daily POS/e-Commerce transaction limit of ₹ 5,00,000.
• Important Notes:
  • A joining fee of ₹ 750/- applies for the first year.
  • An annual fee of ₹ 750/- applies from the second year onwards.
  • The complimentary Lifestyle voucher worth Rs. 750/- was discontinued effective April 1, 2024.
  • The complimentary airport pickup and drop facility will be discontinued effective July 1, 2025.

Other Details

• Card Variants:
  • bob World Sapphire (Him)
  • bob World Sapphire (Her)
• Card Limits:
  • ATM - Cash withdrawals:
    • Maximum Per day limit: ₹ 3,00,000
    • Maximum per transaction limit on Bank of Baroda ATMs: ₹ 15,000
    • Maximum per transaction limit on other Bank’s ATMs: ₹ 10,000/-
    • Maximum number of cash withdrawals allowed per day: 30
  • POS / E-Commerce:
    • Maximum Per day limit at POS/Ecom: ₹ 5,00,000/-
  • Contactless:
    • Maximum per transaction limit using Contactless mode: ₹ 5,000/-
    • Number of daily Contactless transactions limit: 10
• Debit Card Usage and Security Guidelines:
  • It is advised to use the Bank of Baroda Debit Card for personal use only.
  • Users can generate Debit Card/Green PIN through BOB World App, bob world internet, IVR, or by visiting any nearest Bank of Baroda ATM; no physical PIN will be sent for domestic registered mobile numbers.
  • Ensure to change PIN at regular intervals and activate the debit card by using it first at any ATM before POS/e-commerce use.
  • Always ensure the card is used in your presence at POS and enter the PIN discreetly.
  • Register your mobile number for SMS alerts for all Debit Card transactions to prevent fraudulent activities.
  • Conduct ATM transactions in complete privacy, shield your PIN from onlookers, and collect your card, cash, and receipt after transactions.
  • Be vigilant for extra devices attached to ATMs and report any suspicious findings immediately.
  • Ensure the "Welcome Screen" is displayed in the ATM after transaction completion.
  • Regularly check account statements and immediately report any unauthorized card transactions after blocking the debit card.
  • Immediately inform the Bank if the ATM/Debit Card is lost or stolen, or if the card is held back by an ATM.
  • Be aware of suspicious movements around ATMs and strangers trying to engage in conversation.
  • Upon card expiry or account closure, cut the card into four pieces through the magnetic stripe before disposing of it.
  • If cash is not dispensed but the account is debited, Bank of Baroda customers should fill a complaint form and submit it to the Branch.
  • Verify emails and links, especially those from social networking sites, as they may be phishing attempts designed to gain personal information.
  • Always ensure that the address of the website for transactions starts with "https://" and not "http://".
  • Do not give your Debit Card to anyone; if surrendering, request closure and hand over the destroyed card to Bank Officials or block it using BOB World (Mobile Banking), bob world internet (Internet Banking), IVR, or WhatsApp Banking.
  • Do not keep a written record of the PIN in any form that may facilitate its misuse; memorize your PIN.
  • Do not disclose your Card/PIN details over email links, phone calls, or to bank officials, as the Bank will never request such details.
  • Do not overlook or ignore transaction alerts received through SMS.
  • Never lend your card to anyone, write your PIN on the card or its cover, or share your PIN with anyone.
  • Never let anyone see you entering your PIN, or use an easily guessable PIN (e.g., birthday or telephone number); use non-dictionary words.
  • Never leave your card in the ATM or forget to collect dispensed cash.
  • Avoid posting personal information such as 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.
• The Bank may use the services of agents in sales/marketing etc. of its various products.
• Information regarding the bank's cookie policy, privacy policy, and terms & conditions is available on their website.