VISA Vyapaar 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

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.

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.

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

• 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.

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 (https://www.bankofbaroda.in/interest-rate-and-service-charges/service-charges.)

Yes, for more details, please Click Here (https://www.bankofbaroda.in/interest-rate-and-service-charges/service-charges.)

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. (https://www.bankofbaroda.in/personal-banking/digital-products/cards/debit-cards)

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

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 blocking of Debit Card.

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/-.

• 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.

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.

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

No transactions are free.

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.

• Contact Centre/toll free numbers 18005700
• bob World App (Mobile Banking).
• WhatsApp Banking.
• bob World Internet (Net Banking).
• Branch.

• 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.

• 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.

• 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.

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 28^th August 2018
• PMJDY NEW**: RuPay Card issued on PMJDY A/c opened after 28^th 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 https://www.npci.org.in/what-we-do/rupay/circulars

• 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.