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Choose this Debit Card for you.

  • Exciting Cashbacks
  • High withdrawal limit
  • Insurance benefits
  • Benefits
  • Features
  • Do's and Don'ts

Baroda BPCL Debit Card : Features

  • Bank of Baroda interconnected ATMs spread across major centres in the country. 
  • For convenient shopping, dining out at outlets accepting RuPay Cards in India and Abroad. 
  • For international usage the card can be used at ATM/POS terminals displaying Discover, Diners Club International or Pulse logos. 
  • E-commerce transactions wherever RuPay Cards are accepted. 
  • Secured PIN & CVD2 for online transactions. 
  • Acceptable at all NFS ATMs and RuPay POS across India. 
  • Cashback of 5 % on the first 2 transactions done at the BPCL outlet subject to maximum of Rs 50/- per transaction, subject to usage of debit card at BPCL outlet within 06 months of issuance by the customer.  
  • 10 PetroMiles on every 100/- rupee transaction of fuel purchase at BPCL retail outlets. (Customer will earn on every transaction of Cobrand Debit Card at BPCL RO, but will be able redeem only through BPCL SmartDrive app). PetroMiles value shall be our normal, 1 PM = 1.5 Paisa. ** 

     ** All customers enrolled by BoB for the Cobrand Debit card shall also be on-boarded to BPCL loyalty platform basis consent from the customers. Each purchase at BPCL RO shall accrue loyalty points (PetroMiles) to the customers.  
  • Maximum per transaction limit for money add transaction - Rs. 500.
  • Maximum daily limit for money add transaction - Rs. 2000.
  • No. of money add transactions allowed per day - 4.
  • Maximum balance in card (stored value) at any point - Rs. 2000.
  • Max per transaction limit for card for offline purchase - Rs. 200 (retail payments) & Rs. 2,000 (transit payments).
  • Maximum daily limit for card for no. of offline purchase transactions - 20.

Baroda BPCL Debit Card : Do's and Don'ts

  • Your Bank of Baroda Debit Card is for personal use.
  • You can generate Debit Card/Green PIN through BOB World App, bob world internet, IVR and by visiting any nearest Bank of Baroda ATM. No physical PIN would be sent (Applicable for domestic registered mobile number).
  • Ensure to change PIN at regular intervals.
  • Activate your debit card by using it first at any ATM. The card can be used at POS/e-commerce only after activation of the card at ATM.
  • Always ensure that your card is used in your presence when transacting at POS and ensure that you enter the PIN for authentication discreetly.
  • Register your mobile number with the bank, subscribe for SMS alerts for all Debit Card transactions to avoid suspicions/fraudulent activities in your account.
  • Please make sure you conduct any ATM transaction in complete privacy.
  • Beware if “Shoulder Surfing”. Shield your PIN from onlookers by covering the keypad while entering the PIN.
  • Ensure to collect your card, cash and receipt, after completion of the transaction. The ATM does not take back cash if not collected.
  • Look extra devices attached to the ATMs. These may be put to capture your data! Inform security guard/bank immediately if any such device found.
  • After completion of your transaction and before leaving the promised be sure that “Welcome Screen” is displayed in the ATM.
  • Register your mobile number with the bank for getting alerts for your ATM transactions.
  • Regularly check account statements. Any unauthorised card transaction in the account, if observed, should be immediately reported to your bank after blocking your debit card.
  • Immediately inform the Bank, if the ATM/Debit Card is lost or stolen. If your card is held back by any ATM, please inform the same to the 24hrs, Customer Care Click Here
  • Keep an eye on suspicious movements of people around ATMs. Beware of strangers trying to engage you in conversation.
  • When you destroy your card upon card expiry or closure of your account, cut it into four prices through the magnetic stripe before disposing it off.
  • If cash is not dispensed and account is debit then Bank of Baroda customer has to fill the complaint form and submit it to the Branch
  • Verify emails and links in emails you supposedly get from your social networking site. These are often designed to gain access to your user name, password and ultimately your personal information. These mails could be phishing emails too.
  • Always ensure that the address of the website where transactions to be done, starts with https:// and not http://.

  • Don't give your Debit Card to anyone. If you need to surrender the card, you may request for closure of card and handover the card to Bank Officials after destruction of the card. You may also block a card using Bank’s Baroda BOB World (Mobile Banking), bob world internet (Internet Banking), IVR, WhatsApp Banking.
  • Don't keep a written record of the PIN in any form, place or manner that may facilitate its misuse by anyone. It would be better if you could memorise your PIN.
  • Don't disclose your Card/PIN details over email links/phone calls/bank official even if it is purported to be from Bank of Baroda. It may be noted that Bank would never request you to reveal such details.
  • Don't overlook or ignore transaction alerts received through SMS.
  • Never lend your card to anyone.
  • Do not write your PIN on the card or on the cover of the card.
  • Never share your PIN with anyone or seek help from anybody by handing over the card and revealing the PIN.
  • Never let anyone see you entering your PIN.
  • Never use a PIN that could be easily guessed. E.g. your birthday or telephone number. Use of non-dictionary words is advised.
  • Never leave your card in the ATM.
  • Do not forget to collect the dispensed cash as ATM does not take the cash back.
  • Avoid posting personal information such as your address, phone numbers, email address, license number, Aadhaar number, birth place, location for any given day, school’s name of kids and family details.

Frequently Asked Questions (FAQs)

  • What is a debit card?

    It is a channel through which you make payments. Transactions are made through a variety of channels, including POS terminals, ATMs, and online stores.
    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 debit card.

  • How to apply for a debit card?
    • Customers may apply for a debit card in person at their local branch
    • Online through the bob World App
    • Or online through the bob World Internet
    • Calling at the contact centre
  • How to use a debit card?

    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.
  • What are the eligibility criteria?

    Individuals maintaining Savings, SSB account, Jeevan Suraksha Account with operational instructions as “Self” or “Either or Survivor” or “Any one or Survivor”. This also includes Pensioners & Senior Citizens.

    Individuals maintaining Current account with mode of operation as “Self”, “Either or Survivor” or “Sole Proprietor”.

    Baroda Visa Vyapaar Debit Card can be issued to individuals and to Private Limited Companies, Public Limited Companies and Partnership Firms under specific scheme codes with mentioned mode of operations: Self; Sole Proprietor; Any One Partner; Any One Director; Chairman; Managing Director; Authorised Signatory

    Individuals maintaining specific CC accounts, RuPay BKCC cards to be issued.

    Individuals maintaining specific OD accounts, RuPay Mudra cards to be issued.

  • How to check debit card eligibility?

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

  • What are the benefits of the Bank of Baroda debit card?
    • Attractive offers on 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 card PIN using the bob World app / bob World Internet / IVR / BOB ATM.
    • 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.
  • Do debit cards have fees?

    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 Click Here (

  • Can a fresh Debit Card issued in lieu of a lost/damaged card and what is the amount to be charged?
  • What are the different types of Debit Cards issued by Bank of Baroda?

    Bank is issuing different types of Debit Cards in co-ordination with Visa, MasterCard and RuPay.

    To know the details of different card variants being issued by Bank, please refer to ATM/Debit Card section on our bank’s website Click Here. (

  • What are the Debit Card variants, wherein international usage is allowed?

    VISA Platinum DI.

    VISA Classic Intl Contactless

    Baroda VISA Vyapaar.

    bob World Opulence (Infinite)

    bob World Sapphire (Signature)

    Master Card Platinum DI.

    Master Card World (Baroda Radiance).

    Master Card Classic Intl Contactless.

    RuPay Platinum DI.

    RuPay BPCL (Platinum).

    RuPay Select DI.

    RuPay Classic Intl Contactless.

    bob World Yodha

    bob World Agniveer

  • Is an ATM card a debit card?

    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.

  • Can I use my debit card at any ATM?

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

  • What happens if I don't use my debit card for a long time?

    Customers must frequently use the debit card in order to avoid blocking of Debit Card.

  • Can someone use my debit card without my PIN?

    No, a Debit Card cannot be used without a PIN. However, as per RBI guidelines, Bank of Baroda has provided the facility of contactless at POS and can be managed by using BOB ATM/bob World App/bob World Internet/IVR. Transactions without a PIN can be done up to Rs. 5,000/-.

  • My debit card doesn’t work for online or international transactions.
    • As per recent guidelines, at the time of issue/re-issue/renewal, all the debit cards will be enabled for use only at contact-based points of usage [viz. ATMs and Point of Sale (POS) devices] within India.
    • The debit cards which have never been used for online/international/contactless transactions shall be mandatorily disabled for this purpose. The enablement for the channels can be done through BOB ATM/bob World App (Mobile Banking)/bob World Internet (Internet Banking)/IVR.
    • Kindly use your card for first transaction on BOB ATM or Green PIN generation through BOB ATM/bob World App (Mobile Banking)/bob World Internet (Internet Banking)/IVR and then try of online transactions. Further, please note international usage / contactless facility can be enabled only for International / Contactless Debit Card variant.
  • How many accounts maximum can be linked to my Debit Card and what is the procedure?

    A maximum of 9 accounts held in the same name and same capacity can be linked to a Debit Card. Please submit request for linking of multiple accounts on your Debit Card to your base branch.

  • My Debit Card doesn’t work on ATMs. Why?

    Debit Card does not work on ATMs due to some of the following reasons:

    • Your debit card may be blocked.
    • You may not have swiped the card properly.
    • Your card might have got damaged/deteriorated due to which it is not accepted by ATM where the card reader may be weak. In such case you may try at another ATM and if still does not work, request for a new card to your branch/contact centre.
    • Your account may be inoperative or frozen at branch level due to some reason. Please contact your branch to know the account status.
    • You may be using the wrong PIN.
    • Connectivity from the ATM has failed. In such case please try after some time or use another ATM.
    • Please check through BOB ATM or IVR or bob World or bob World Internet, if you have disabled the ATM channel
  • How many transactions for Current Account holders at other bank’s ATM Machine are free?

    No transactions are free.

  • How many attempts of wrong ATM PIN will lead to blocking of a Debit Card?

    Soft blocking: After 3 attempts of wrong pin in a DAY (within 24 hrs.) debit card will be blocked for next 24 hrs.

    Hard Blocking: After 12 attempts of wrong pin in a MONTH debit card will be blocked permanently.

  • Which of the following modes can be used for hot listing of Debit Card by the customer?
    • Contact Centre/toll free numbers 18005700
    • bob World App (Mobile Banking).
    • WhatsApp Banking.
    • bob World Internet (Net Banking).
    • Branch.
  • What are steps to be followed for hot listing of Debit Card by the customer through corresponding channels?
    • Contact centre/toll free numbers 18005700.

    Steps to be followed:

    1. Press 2 to Continue.
    2. Press 1 Lost Card Option.
    3. Press 1 to Continue for Blocking the Debit Card.
    4. Press 1 to Block the Debit Card.
    5. Enter 14-digit Account number.
    6. Enter last 4-digit of the Debit card.
    7. Press 1 to confirm the Blocking of Debit Card.

    SMS of blocked Debit card will be sent at your registered mobile number.

    • Mobile banking (bob World App).
      1. Login to Baroda bob World.
      2. Click on “Cards” given on the bottom of the home page.
      3. Select “Debit Card Hot listing”.
      4. All the Debit Cards (debit card in OPEN status) linked with customer ID will be displayed with BLOCK CARD button provided below each card.
      5. Click Block Card for the debit card to be blocked.
      6. Enter transaction PIN and click Okay.
      7. Card will be blocked instantly, and the customer will get success confirmation POP up on the screen and Text message on the customers registered mobile number.
      8. To unblock the debit card customer will have to request at his branch.


    • WhatsApp banking.
      1. Say “Hi” to Bank of Baroda’s WhatsApp Banking Number 8433 888 777.
      2. Select Block Debit Card option.
      3. Now, select card number for blocking.
      4. Click confirm to block card.
      5. Card blocked successfully.
      6. SMS triggered to customer registered mobile number.


    • Net banking (bob World Internet)
      1. Login to bob World Internet.
      2. Click on “Services” tab.
      3. Select “Service Requests”.
      4. Select “New Requests”.
      5. Click on “Operative Accounts”.
      6. Select “Block Debit Card”.
      7. Select the debit card to be blocked and click continue.
      8. Select reason of Blocking, enter remarks and transaction password.
      9. Click “Submit”.
      10. Card will be blocked instantly, and the customer will get confirmation on the screen.
      11. To unblock the debit card customer will have to request at his branch.


    • Nearest Bank of Baroda branch.
    • Request for blocking of debit card can be submitted by visiting any nearest Bank of Baroda Branch.
  • How to enable debit card transaction channel or set limit ?
    • As per recent guidelines, at the time of issue / re-issue / renewal, all the debit card will be enabled for use only at contact-based points of usage [viz. ATMs and Point of Sale (PoS) devices] within India.
    • To enable the other transaction channels and setting transaction limit for your card, please log in to bob World (Mobile Banking) or bob World Internet (Internet Banking) or visit BOB ATM or call IVR 1800 5700.
    • Kindly use your card for first transaction on ATM or Green PIN generation through bob World (Mobile Banking) or bob World Internet (Internet Banking) or visit BOB ATM or call IVR 1800 5700 and then try of Online transactions.
  • My Debit card doesn’t work for online or international transactions. Why ?
    • As per recent guidelines, at the time of issue / re-issue / renewal, all the debit card will be enabled for use only at contact-based points of usage [viz. ATMs and Point of Sale (PoS) devices] within India. To enable the other transaction channels, please log in to bob World (Mobile Banking) or bob World Internet (Internet Banking) or visit BOB ATM or call IVR 1800 5700.
    • Kindly use your card for first transaction on ATM or Green PIN generation through bob World (Mobile Banking) or bob World Internet (Internet Banking) or visit BOB ATM or call IVR 1800 5700 and then try of Online transactions.
  • Which variant of Debit Card is eligible for Accidental Death and Total Disability Insurance.?

    The Accidental Death and Total Disability cover is provided by NPCI. Below are the variants that are eligible for the same:

    • RuPay PMJDY
    • RuPay Premium Cards (Platinum and Select)

    Sum Insured for Insurance - RuPay PMJDY

    The Sum insured is Rs.1 lacs for RuPay cardholders of Old * PMJDY Cards and Rs.2 lac for RuPay Cardholders of New ** PMJDY Cards

    • PMJDY OLD *: RuPay Card issued on PMJDY A/c opened till 28th August 2018
    • PMJDY NEW**: RuPay Card issued on PMJDY A/c opened after 28th August 2018

    Sum Insured for Insurance - RuPay Platinum - 2 lacs

    Sum Insured for Insurance - RuPay Select - 10 lacs

    For more details on RuPay Insurance Program, please visit website

  • As per RBI Master Direction guidelines, what is the process of giving non-renewal consent for my Bank of Baroda Debit Cards?
    • If you prefer not to renew, please block the card via Branch/ IVR (1800 5700)/ bob World app/ bob World Internet latest by one month prior to your Card Renewal Month. The blocking of the debit card from any channel will be considered as consent for non-renewal.

      For example : If your card expiry date is 07/2023 then you must block the respective debit card latest by end of June 2023.
      Please note : Not blocking the debit card will be taken as consent for card renewal.
    • Bank also sends SMS notification for the above-mentioned guidelines 35-40 days before date of card expiry, please ensure your mobile number is correctly registered with the Bank.

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