Saraswat Bank Visa Platinum EMV International Debit Card
'Saraswat Bank Visa Platinum EMV International Debit Card' is a debit card by Saraswat Bank and VISA that offers a variety of features and benefits that will satisfy all the requirements of a customer.
In fact, the Saraswat Bank Debit Card can be used to withdraw cash at ATMs around the globe which bear the VISA logo. The card is fortified with the best in technology to keep your funds safe: the chip embedded in the card ensures that no fraudulent activity are carried out on the card.
Features and Benefits of Visa Platinum EMV International Debit Card
- Saraswat Bank Visa Platinum EMV International Debit Card ensures that you do not have to carry around cash, which is both inconvenient and unsafe.
- It's possible to withdraw cash using this card at Saraswat Bank ATMs and Visa enabled ATMs.
- This Debit Card can be used around the globe at any merchant outlet/ATM bearing the Visa logo. It can also be used to purchase online tickets on sites which use a secured e-Commerce Payment Gateway. You must register for Verified by Visa (VbV) by visiting the official bank website to make online payments.
- The balance available can be used up by the cardholder. The daily transaction limit, which includes ATM withdrawal, online transactions and merchant outlets is Rs 1,00,000/-. A maximum of Rs 50,000/- can be withdrawn at ATMs per day.
- Due to its partnership with VISA, which is an internationally recognized company, this debit card can be used in nearly all retail outlets, e Commerce sites and leading departmental stores in the world.
- Stay on top of your financials with the Saraswat Bank Visa Platinum EMV International Debit Card which tracks your expenses and gives you a clear picture of how you are spending your money.
- If you happen to be a globetrotter, you can forget about the added responsibility of carrying around the local currency/travelers cheques when you are a Saraswat Bank Visa Platinum EMV International Debit Cardholder. No matter where in the world you are, you can use this debit card for all your expenses.
- Since merchants are assured of the payment going through, they will be more willing to accept payments through debit cards rather than cheques. This is especially true in other states or countries when authenticity is more difficult to verify.
- Saraswat Bank Visa Platinum EMV International Debit Card is chip embedded which ensures utmost safety.
- The Saraswat Bank Visa Platunum EMV International Debit Card comes with a Lost Card Insurance Cover worth Rs 1,00,000/-
Saraswat Bank Visa Platinum EMV International Debit Card Charges
- The annual fee for the card is Rs 200/- p.a. plus GST. You will not be charged annual fee in the first year.
- Additional card will be charged Rs 200/- per card plus GST.
- If your debit card is damaged and you would like to replace it, you will not be charged.
- Replacing a lost debit card will cost you Rs 200/- per card plus GST.
- Pin Replacement will cost Rs. 25.
- Cash Withdrawal / Balance Enquiry at SARASWAT BANK ATMs is free of charge.
- At Other banks ATM for Savings A/c; Cash Withdrawal/Balance Enquiry for the first three transactions (Financial and Non Financial) are free (conditions apply).
- At Other banks ATM for Current A/c holders and Overdraft A/c holders:
- All transactions for Cash Withdrawal/Balance Enquiry are chargeable. Rs 10/- plus GST and education cess will be charged for Non-Financial transactions. Rs 20/- plus GST and education cess will be charged for Financial transactions.
- ATM Cash Withdrawal (Outside India) will be charged Rs 120/- per transaction.
- Transactions At Petrol Pumps And Railway Counters will be charged 2.50% of the transaction amount or Rs 10/- (whichever is higher).
- ATM Balance Enquiry (Outside India) will be charged Rs 15/- per enquiry.
- Charge Back Processing Fee/ Sales Slip Retrieval will be charged Rs 225/-.
- Purchase Transaction Limit Per Day (online and POS) Rs 1,00,000/- (conditions apply).
- Daily Card Limit (which includes Cash Withdrawal, online transactions and POS) is Rs 1,00,000/-.
- ATM Cash Withdrawal Limit Per Day is Rs 50,000/-
- Service Charges For International Transactions is 2.50% of the transaction amount.
Applying for Saraswat Bank Visa Platinum EMV International Debit Card
To apply for the debit card you can contact any of the branches of the bank. You can download the form for the application from "forms" section in the official website.
Additional Charges Applicable?
- The annual fee for the card is Rs 200/- p.a. plus GST. You will not be charged annual fee in the first year.
- Additional card will be charged Rs 200/- per card plus GST.
- If your card is damaged and you would like to replace it, you will not be charged.
- Replacing a lost debit card will cost you Rs 200/- per card plus GST.
- Pin Replacement will cost Rs. 25.
- Cash Withdrawal / Balance Enquiry at SARASWAT BANK ATMs is free of charge.
- At Other banks ATM for Savings A/c; Cash Withdrawal/Balance Enquiry for the first three transactions (Financial and Non Financial) are free (conditions apply).
- At Other banks ATM for Current A/c holders and Overdraft A/c holders:
- All transactions for Cash Withdrawal/Balance Enquiry are chargeable. Rs 10/- plus service GST and education cess will be charged for Non-Financial transactions. Rs 20/- plus service GST and education cess will be charged for Financial transactions.
- ATM Cash Withdrawal (Outside India) will be charged Rs 120/- per transaction.
- Transactions At Petrol Pumps And Railway Counters will be charged 2.50% of the transaction amount or Rs 10/- (whichever is higher).
- ATM Balance Enquiry (Outside India) will be charged Rs 15/- per enquiry.
- Charge Back Processing Fee/ Sales Slip Retrieval will be charged Rs 225/-.
- Purchase Transaction Limit Per Day (online and POS) Rs 1,00,000/- (conditions apply).
- Daily Card Limit (which includes Cash Withdrawal, online transactions and POS) is Rs 1,00,000/-.
- ATM Cash Withdrawal Limit Per Day is Rs 50,000/-
- Service Charges For International Transactions is 2.50% of the transaction amount.
GST of 18% is applicable on all banking products and services from July 1, 2017 onwards.
A good credit score can help you secure lower interest rates on loans and credit cards.
FAQs on Visa Platinum EMV International Debit Card
- Is there a minimum amount that must be left in the account?
No. The balance available can be used up by the cardholder.
- Does the card come with a Lost Card Insurance Cover?
Yes. The Saraswat Bank Visa Platunum EMV International Debit Card comes with a Lost Card Insurance Cover worth Rs 1,00,000/-
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