Debit Cards

It is a channel through which you make payments. Transactions are made through a variety of channels, including POS terminals, ATMs, and online stores. Debit cards can also be used at POS machines, ATMs, and online stores using virtual cards.
When making a purchase with a debit card, the money is immediately taken out of the customer's bank account that is connected to that particular debit card.

Customers may apply for a debit card in person at their local branch by:

• Calling at the contact centre
• Online through the bob World App
• Or online through the bob World Internet

After receiving a debit card:

• The customer must create a green PIN using a BoB ATM, BoB World App, BoB World Internet, or by calling IVR.
• A physical PIN will be given to the NRI customer category along with new cards at their base branch. NRI clients can make an ATM withdrawal transaction to activate the debit card.

The eligibility is determined by the scheme code and mode of operation used to open the bank customer account.

• Attractive offers three networks: VISA, MasterCard, and RuPay.
• NPCI offers holders of RuPay PMJDY, Platinum, and Select Debit Cards the benefits of accidental and total disability insurance.
• Bank of Baroda offers contactless and international debit cards that can be set up for use with ADC channels to make payments abroad.
• The ability to process domestic e-mandates and recurring payments.
• Customers can instantly generate debit cards using the bob World app.
• It performs instant payments at POS in contactless mode.
• The non-personalised debit cards are also issued after 24–48 working hours from the receipt of the non-personalised card.

The charges for using the Bank of Baroda debit card are changed from time to time with prior notification to the cardholders. For more details, please latest charges refer: https://www.bankofbaroda.in/interest-rate-and-service-charges/service-charges

The bank issues various types of debit cards through each of the three card networks.

• VISA
• MasterCard
• RuPay

A debit card is a multipurpose card that can be used for ATM, POS, online, and contactless transactions, while an ATM card can only be used for ATM transactions.

The Bank of Baroda Debit cards are accepted at ATMs that are part of a network, such as RuPay, Visa, Master Card, and others.

Customers must frequently use the debit card in order to avoid paying for usage.

No, a PIN cannot be used with a debit card. However, as per RBI guidelines, Bank of Baroda has provided the facility of contactless payments by using BOB ATM/bob World App/bob World Internet/IVR. Transactions without a PIN can be up to Rs. 5000/-.