Bank of IndiaBank of India RuPay Sangini Debit Card – Benefits, Fees & Eligibility
Is the Bank of India RuPay Sangini Debit Card Right for You?
The Bank of India RuPay Sangini Debit Card is best suited for users who prioritize Shopping, Everyday Use. With an issuance fee of Lifetime Free and an annual maintenance charge of Lifetime Free, this card offers free entry for new applicants. It offers Reward Points as its primary reward mechanism, with a rewards rate of Star Points on POS and e-commerce spends.
Key Card Details
Lifetime Free
Lifetime Free
Reward Points
Star Points on POS and e-commerce spends
₹15,000 per day
₹25,000 per day
Notable Perks
Account Requirement
Individual or self-operated savings bank and current deposit account for women
Things to Consider
Low daily ATM withdrawal limit of just Rs. 15,000
Restricted to domestic usage only, not valid for international spends
No complimentary insurance or lounge access benefits provided
Benefits & Features
Rewards Rate
Star Points on POS and e-commerce spends
Reward Type
Reward Points
Daily ATM Withdrawal Limit
₹15,000 per day
Daily POS/Online Spend Limit
₹25,000 per day
Account Requirement
Individual or self-operated savings bank and current deposit account for women
Fees & Charges
Issuance Fee
Lifetime Free
AMC Fee
Lifetime Free
Pros & Cons
Pros
Key benefits and features of this card.
Exclusively tailored for women with a focused benefits structure
Contactless technology enables quick and secure tap-and-go payments
Rewards program allows earning Star Points on everyday spends
Accessible with both savings and current deposit accounts
Cons
Key drawbacks and limitations of this card.
Low daily ATM withdrawal limit of just Rs. 15,000
Restricted to domestic usage only, not valid for international spends
No complimentary insurance or lounge access benefits provided
Lack of clarity on issuance and annual maintenance charges
Product Details
Exclusively designed for women account holders
Operates on the RuPay network for domestic transactions
Contactless payment technology for tap-and-go transactions
Earn Star Points as rewards on POS and e-commerce spending
Available with individual or self-operated savings and current accounts
Benefits & Features
Rewards Rate
Star Points on POS and e-commerce spends
Reward Type
Reward Points
Daily ATM Withdrawal Limit
₹15,000 per day
Daily POS/Online Spend Limit
₹25,000 per day
Account Requirement
Individual or self-operated savings bank and current deposit account for women
What matters, explained clearly
Introduction
The RuPay Sangini Debit Card is Bank of India’s first debit card exclusively designed for women. It is issued to individual or self-operated savings bank and current deposit account holders. The card operates on the RuPay network for domestic usage and features contactless payment technology, allowing for quick tap-and-go transactions. A key differentiating benefit is the ability to earn Star Points as rewards on POS and e-commerce spending.
Transaction Limits & Usage
- ATM Withdrawal Limit: Rs. 15,000 per day
- POS & E-commerce Limit: Rs. 25,000 per day
- Contactless Transaction Limit: No PIN is required for contactless transactions up to Rs. 5,000 per transaction. PIN is mandatory for all transactions above Rs. 5,000.
- Contactless Transaction Frequency: A maximum of three contactless transactions are allowed per day.
- Usage Scope: For domestic usage only.
Fees and Charges
- For detailed charges, please refer to the Bank of India Annexure-VII-DigitalBankingProduts.pdf document.
Rewards & Offers
- Cardholders earn Star Points for their transactions at POS and e-commerce platforms.
Account & Eligibility Criteria
- The card is available to individual or self-operated savings bank (SB) and current deposit (CD) women account holders.
Important Product Details
- Exclusively designed for women.
- Contactless card functionality is available.
- Operates on the RuPay network.
- Domestic usage only.
- Rewards program via Star Points on POS and e-commerce spends.