Step-by-Step Guide: How to Apply for and Get a Debit Card Online

28 Mar 2023

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Debit cards are alternative plastic cash cards that come with savings and current accounts. People in the country have reached a comfort point using debit cards, especially owing to the ease of a transaction. Linked to the savings account they allow you to spend the money in your savings account. So, if you haven't yet discovered debit cards and their advantages, we will take you through a step-by-step guide on how to apply for a debit card. Read on to get a quick idea of the debit card application process.

How to Apply for a Debit Card?

Though debit cards are given to the account holder with the account, a debit card application is required. Most major banks do not need a separate application and automatically furnish applicants with a debit card upon opening an account. However, those banks that do not automatically provide debit cards, do so by submitting a debit card application. The debit card is supplied in few days time.

How to Apply for a Debit Card Online?

Debit cards can also be applied online. This simple process will help you procure one in a few easy steps:

  • Visit your bank's website
  • Go to the retail banking/personal banking/debit/credit card section
  • Click on 'debit card apply online
  • Choose the category of debit card that you prefer. Check the benefits and features of debit card before applying
  • Submit the details and documents that are required with the card, if any, as the bank has them when you opened the account
  • The bank takes about 2-3 days to issue a debit card to your address
  • Once the debit card reaches you, have to set a Personal Identification Number (PIN) through the ATM, net banking or mobile banking app. This is the key to all your transactions.

Debit Card Fees & Charges

Debit cards offer many services to customers making their life easier than it was when dealing with cash. It is not just about payment but rewards and discounts too. For these experiences, the banks have affixed paltry charges annually which include maintenance.

• Debit Card Re-issuance

If the card gets misplaced or stolen, you need another one as it is difficult to live without a debit card in this day and age. A small replacement charge will get you a fresh card.

• Annual Maintenance

There is an annual maintenance charge that differs from bank to bank. Check the maintenance charges of your card from your bank.

• Debit Card PIN Regeneration

If you forget your debit card PIN the bank helps you to regenerate it at a fee.

Know the Debit Card’s Terms and Conditions

  • A debit card is a contract between the bank and the cardholder
  • The cardholder needs to agree to the terms offered by the bank on the debit card for using the same
  • By signing on the reverse of the debit card the cardholder accepts all conditions
  • The card can be activated at the ATM
  • The cardholder should generate his green PIN
  • Banks can amend the terms and conditions on the card
  • All account holders are eligible for a debit card
  • The cardholder can surrender the card to the bank with a written application

How to Apply for a Bank of Baroda Debit Card?

BoB debit cards can be applied by the following means:

  • You can get the debit card in person at the local branch when you open the account.
  • You can apply online through the BoB World App
  • You can apply for a debit card from the BoB World Internet


A debit card is one of the strongest banking instruments that not just helps you to make payments but adds value to life in so many other ways. Having a debit card from an affluent bank such as the Bank of Baroda is an advantage. The bank gives you a choice of debit cards to select from. Debit cards in today’s world are a necessity. Give your lifestyle a fillip with a BoB debit card.

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    The contents of this article/infographic/picture/video are meant solely for information purposes and do not necessarily reflect the views of Bank of Baroda. The contents are generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. Bank of Baroda and/ or its Affiliates and its subsidiaries make no representation as to the accuracy; completeness or reliability of any information contained herein or otherwise provided and hereby disclaim any liability with regard to the same. The information is subject to updation, completion, revision, verification and amendment and the same may change materially. The information is not intended for distribution or use by any person in any jurisdiction where such distribution or use would be contrary to law or regulation or would subject Bank of Baroda or its affiliates to any licensing or registration requirements. Bank of Baroda shall not be responsible for any direct/indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information mentioned. Please consult your financial advisor before making any financial decision.

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