Karnataka BankKarnataka Bank MoneyPlant RuPay Classic Debit Card – Benefits, Fees & Eligibility
Is the Karnataka Bank MoneyPlant RuPay Classic Debit Card Right for You?
The Karnataka Bank MoneyPlant RuPay Classic Debit Card is best suited for users who prioritize Shopping, Dining. 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 Instant Discounts as its primary reward mechanism.
Key Card Details
Lifetime Free
Lifetime Free
Instant Discounts
₹25,000 per day
₹75,000 per day
Notable Perks
Dining Benefits
15% off on Food Bill at US Pizza
Things to Consider
No international usage support; limited to domestic transactions only
No reward points or cashback program on regular spends
Lacks premium benefits like lounge access or insurance cover
Benefits & Features
Reward Type
Instant Discounts
Dining Benefits
15% off on Food Bill at US Pizza
Daily ATM Withdrawal Limit
₹25,000 per day
Daily POS/Online Spend Limit
₹75,000 per day
Fees & Charges
Issuance Fee
Lifetime Free
AMC Fee
Lifetime Free
ATM Withdrawal Charges
Fees may apply for non-network ATMs; check with bank for specifics
Pros & Cons
Pros
Key benefits and features of this card.
Wide domestic acceptance at ATMs and POS terminals across India
Instant discount offers on dining and wellness services
Robust security with SMS alerts and quick card blocking options
Automatic activation for merchant payments after first ATM use
Cons
Key drawbacks and limitations of this card.
No international usage support; limited to domestic transactions only
No reward points or cashback program on regular spends
Lacks premium benefits like lounge access or insurance cover
ATM withdrawal charges may apply outside the bank's network
Product Details
Issued on the RuPay network for extensive domestic acceptance
Linked directly to Karnataka Bank savings or current account
Auto-activated for POS transactions after first ATM cash withdrawal
SMS banking alerts for real-time transaction monitoring
24/7 emergency helpline and SMS-based card blocking facility
Benefits & Features
Reward Type
Instant Discounts
Dining Benefits
15% off on Food Bill at US Pizza
Daily ATM Withdrawal Limit
₹25,000 per day
Daily POS/Online Spend Limit
₹75,000 per day
What matters, explained clearly
Introduction
The KBL MoneyPlant RuPay Classic Debit Card, issued by Karnataka Bank, is a domestic payment tool linked directly to your bank account. It delivers the promise of wide domestic reach, ensuring access to funds at a multitude of ATMs and merchant outlets across India. The card stands guard over finances with advanced protection against fraud, allowing for secure, comfortable payments anytime, anywhere, backed by robust security and customer-centric services.
Transaction Limits & Usage
- Daily ATM Withdrawal Limit: ₹25,000 per day at all ATMs, subject to available account balance.
- Daily E-commerce/POS Limit: ₹75,000 per day at merchant establishments, subject to available account balance.
- Domestic Usage: Accepted at countless ATMs and POS terminals across India.
- International Usage: This is a domestic card; international usage is not mentioned.
- Card Activation: The card is automatically activated for payment transactions at merchant outlets within 24 hours of the first cash withdrawal transaction at any MoneyPlant ATM or NFS ATM.
Fees and Charges
- ATM Withdrawal Charges: Using an ATM outside of the bank's network may incur additional fees. Some banks have agreements with other networks for fee-free withdrawals, so it is best to check with the bank for specifics.
- Interest Rates: Debit cards do not incur interest rates as they utilize funds already in the account.
Rewards & Offers
- Health & Wellness:
- VLCC Head-to-Toe Services at Rs. 3499
- Full Body Laser Hair Reduction at Rs. 44,444 (6 Sessions)
- VLCC Hydra Synergy Oxygenic Facial at Rs. 3999
- Summer Detan Facial at Rs. 825
- Underarms Laser Hair Reduction at Rs. 999
- Shopping:
- 10% off on all purchases on Minimum Order Value Rs. 500 & above (Himalaya Wellness)
- Dining:
- 15% off on Food Bill (US Pizza)
Other Details
- 24-Hour Emergency Helpline: For blocking the card or availing assistance, call +91 802 202 1500.
- Block Card via SMS: Send an SMS to +91 988 065 4321 with the text "BLOCK XXXX" (where XXXX is the last 4 digits of the debit card number).
- Lost or Stolen Card Reporting: Report immediately by sending an email to info@ktkbank.com or calling toll-free numbers 1800 425 1444 or 1800 572 8031.
- SMS Banking: Involves receiving automatic text alerts for transactions made with the card, including withdrawals, purchases, or any other card activity, to help monitor transactions and quickly detect unauthorized use.
- Security: The card offers protection against fraud and unauthorized use with advanced protection. Users are advised to monitor their account regularly, use secure networks for online transactions, and never share card details or PIN with anyone.