Bank of Baroda Visa Electron Debit Card
Bank of Baroda is now providing its customers with a debit card that can be used for all daily transactions. Visa Electron Debit Card is ideal for your daily needs in purchasing day-to-day groceries, clearing out utility bills, booking tickets online, etc.
The debit card comes with a number of benefits like higher transaction limits and higher ATM withdrawal limits, among others.
Features of Bank of Baroda Visa Electron Debit Card
- Offers a swipe limit of Rs.50,000 per day
- High cash withdrawal limit of Rs.25,000 per day
- Can be used at over 6,900 Bank of Baroda ATMs around the country
- This card can be used for picking up daily groceries
- This card can also be used for booking tickets online
- Online transactions are made easy and secure with PIN verification
- Enquiries about bank statements and account balance can be made at any ATM with this card
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How do you Apply for a Visa Electron Debit Card?
An individual can apply for a Visa Electron Debit Card by first opening an account with Bank of Baroda. Once the application form is submitted to the bank along with all necessary documents, the bank will determine if you are eligible to open an account with them.
Documents required for BOB Visa Electron Debit Card
You are required to submit the following documents for clarifying identification when you're applying for a Visa Electron Debit Card:
- Voter ID
- Aadhaar Card
- Driving Licence
- PAN Card with photograph
- Passport (Verification for NRI's)
- Any document with your photo on it that has been certified by the Central/State government and its departments
You are required to provide documents for Proof of Address (POA) also. Submit any of the documents listed below as a POA:
- Passport
- Voter ID
- Ration Card
- Registered Lease or Sale Agreement of Residence
- Driving Licence
- Insurance Copy
- Utility bills like telephone (landline only), electricity, and water (not more than 3 months old)
- Any legal document that is issued by the Central/State government or any of its departments
- Women who are married can submit a POA in the name of their spouse
Please ensure that all copies are attested before submission.
Fees and Charges of Bank of Baroda Visa Electron Debit Card
Let us take a look at the list of services and charges that is provided by Bank of Baroda on their debit cards. These charges may vary for Bank of Baroda's Visa Electron Debit Card.
Particulars | Charges |
Annual Fee | Exempted for the first year. Rs.100 p.a. for the following years (Not applied for No Frill Accounts) |
Regeneration of PIN | Rs.150 |
Charges for additional cards | Exempted for the first year. Rs.100 p.a. for the following years (Not applied for No Frill Accounts) |
Renewal of Debit Card on expiry | Nil |
Replacement of card (Within India) | Rs.200 |
Cash Withdrawal at BOB ATM in India | Nil |
Balance Enquiry at BOB ATM in India | Nil |
Mini Statement at BOB ATM in India | Nil |
Transactions made at Metro ATMs of other banks located in 6 Metro cities: Mumbai, Chennai, New Delhi, Kolkata, Hyderabad, and Bengaluru |
|
Transactions made at Metro ATMs located at any other place other than the mentioned 6 Metro cities |
|
For every transaction made on an overdraft/current account holders | Rs.20 |
MasterCard/ Visa/ RuPay |
|
Charges for retrieval of charge slip | Rs.400 |
Rail tickets and fuel surcharges | Rs.10 or 2.50% of transaction amount (whichever is higher) |
Surcharges on payments at certain educational institutions and payment of certain government services | 1% of the transaction amount |
**Fees are susceptible to change without any prior notice at the sole discretion of the bank/regulator. GST is applicable.
GST of 18% is applicable on all banking products and services from July 1, 2017 onwards.
FAQs on BOB Visa Electron Debit Card
- How can I activate my Visa Electron Debit Card?
A Visa Electron Debit Cardholder can activate their card by using the PIN that has been provided by the bank at an ATM. This PIN can then be changed to any other four-digit number of your choice.
- What happens if I lose my Visa Electron Debit Card?
If a Visa Electron Debit Card is lost or stolen, it is advisable that the individual report the matter to the bank immediately. The card will then be blocked to prevent any misuse or fraud.
- Can I change the PIN received from the bank for my Visa Electron Debit Card?
Yes, you can. All you need to do is go to the nearest ATM and punch in your current PIN. Once this is done, go to the relevant options and change the PIN to a four-digit number of your preference.
- What do I do if I have forgotten my PIN?
If you have forgotten your PIN, contact the bank and apply for the PIN regeneration. Once this is done, the bank will issue a new PIN and this PIN will be sent to the registered address of the cardholder. A PIN regeneration charge will be levied on the card holder.
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