Step-by-Step Guide: How to Apply for and Get a Debit Card Online
28 Mar 2023
Table of Content
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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Understanding the Features & Advantages of Debit Card
A debit card is a convenient alternative to cash availability linked to the savings or current account. Starting the tradition of a cashless society, a debit card can be called the first step to digital banking. From ATM cash withdrawal/deposit, cashless purchases, and contactless swipe payments to online payment; cash management becomes so much easier with debit cards . Account holders are spending their own money, unlike credit cards. If spending can be regulated, the advantages of debit cards are unmatched. So, what are the benefits of debit card? Let us regard the features and advantages of debit cards.
Advantages and Challenges of Digital Banking
Digital Banking is online banking backed by an internet connection. Traditional banks are getting a breather, as a large part of customer traffic is being managed by digital banking apps and net banking. Customers can easily access their accounts and payments through digital devices like smartphones, tabs, laptops, desktops and ATMs. The benefits of digital banking became more conspicuous during the COVID pandemic period when physical branches could not be approached due to social distancing that confined people to their homes. The popularity of digital wallets, bank apps and contactless and cashless payments gained traction as more and more people realised the advantages of digital banking.