Karnataka Bank MoneyPlant NCMC RuPay Select International Premium Debit Card – Benefits, Fees & Eligibility

Introduction

The KBL MoneyPlant NCMC RuPay Select International Premium Debit Card, issued by Karnataka Bank, is a premium offering designed to elevate the banking experience for discerning customers. It is linked to a bank account and integrates the National Common Mobility Card (NCMC) functionality. The card's top differentiating benefits include a comprehensive wellness and lifestyle package featuring complimentary OTT subscriptions, health check-ups, and golf lessons, alongside high transaction limits, global acceptance, and an innovative offline wallet feature.

Welcome Benefits

• Complimentary wellness services
• Travel coupons
• Golf lessons
• Complimentary OTT subscriptions
• Premium health check-ups

Transaction Limits & Usage

• Daily ATM Withdrawal Limit: ₹1,00,000 per day
• Daily POS Transaction Limit: ₹5,00,000 per day
• International Usage: Available, but not enabled by default. Activation is required through KBL's ATMs, Mobile Plus App, Internet Banking, or IVR numbers.
• Contactless Payments: The card supports 'Tap & Go' contactless payments via Near Field Communication (NFC) technology. Limits for contactless payments can be customized through the KBL MobilePlus App or other banking channels.
• E-commerce and Contactless Activation: These features must be activated through the KBL Mobile Plus App, Internet Banking, or KBL's IVR system, in line with RBI's security mandate.
• NCMC Wallet Feature: A specialized component within the EMV chip allows storing up to ₹1,000 for offline digital payments, ideal for public transport and retail chains.

Fees and Charges

• Card Issuance Fee: ₹1,000 plus GST
• Annual Maintenance Charge (AMC): ₹1,000 plus GST, applicable from the second year onwards
• Card Replacement Fee: ₹1,000 plus GST

Rewards & Offers

• Wellness & Lifestyle:
  • VLCC Head-to-Toe Services at Rs. 3,499
  • Full Body Laser Hair Reduction at Rs. 44,444 (6 Sessions)
  • VLCC Hydra Synergy Oxygenic Facial at Rs. 3,999
  • Summer Detan Facial at Rs. 825
  • Underarms Laser Hair Reduction at Rs. 999
• Shopping & Dining:
  • 10% off on all purchases from Himalaya Wellness on a minimum order value of Rs. 500 and above
  • 15% off on the food bill at US Pizza
• Insurance: Personal accidental death and permanent disability insurance coverage of up to ₹50,00,000. To activate this coverage, the cardholder must perform at least one financial transaction at any POS or E-Commerce platform (intra and inter-bank) within 30 days prior to the date of the accident.

Important Product Details

• Global Acceptance: The card is accepted at over 1.9 million RuPay and Discover enabled ATMs and 42.4 million POS terminals globally.
• NCMC Functionality: The card functions as a National Common Mobility Card ('One Nation One Card'), using NFC technology for contactless transit payments.
• Card Network: RuPay Select International Premium.
• Security: The card supports both contact and contactless transactions. The bank will never ask for the card's PIN or internet banking passwords.
• Card Blocking: A 24-hour emergency helpline is available at +91 802 202 1500. The card can also be blocked by sending an SMS to +91 988 065 4321 with the text "BLOCK XXXX" (where XXXX is the last 4 digits of the card number).

Other Details

• The card is linked directly to the bank account, allowing spending of available funds. If an overdraft facility is linked, interest is charged on the overdrawn amount based on the amount and duration.
• The card's contactless payment limits can be customized via the KBL MobilePlus App.
• For e-commerce and contactless transactions, activation is required through the KBL Mobile Plus App, Internet Banking, or KBL's IVR system, as per RBI's mandate.