What are the key benefits of SBI Credit Cards?

SBI Credit Cards offer a wide range of benefits, including rewards, cashback, lounge access, discounts, and insurance coverage.

How can I apply for an SBI Credit Card?

You can apply for an SBI Credit Card online through the Paisabazaar platform, where you can compare card options and check for pre-approved offers.

What factors should I consider when choosing an SBI Credit Card?

Consider your spending habits, lifestyle, and financial goals to select a card that best suits your needs, such as travel, shopping, or rewards.

How can I manage my SBI Credit Card efficiently?

SBI Card offers a user-friendly mobile app and online banking services to help you manage your card, check statements, make payments, and access additional features.

What precautions should I take to avoid accumulating credit card debt?

Responsible credit card usage includes paying bills on time, managing credit limits wisely, and avoiding unnecessary spending to prevent debt accumulation.

Latest BOB Debit Card Charges – DcardFee by Bank of Baroda

Bank of Baroda, the second largest and highly efficient public sector bank in India after the State Bank of India, is headquartered in Vadodara, Gujarat. This esteemed bank offers a wide range of customer-friendly debit card facilities for a very nominal annual fee.

If you hold a Savings Bank Account or Current Account with Bank of Baroda and use their debit/ATM card, you will receive a text message alert on your registered mobile number informing you that a certain amount has been deducted from your account balance due to "DCARDFEE" for using your debit/ATM card for transactions.

To understand the reason behind this deduction, it is important to be aware of the latest Bank of Baroda debit card charges for different types of transactions.

What is DCARDFEE?

Typically, a BOB debit/ATM card is issued free of charge for the first year. However, starting from the second year onwards, a small fee will be deducted annually from your bank account. This fee is known as "DCARDFEE" or "Debit Card Fee." The amount deducted varies depending on the type of debit card you possess, such as Rupay Classic Debit Card, Rupay Platinum DI Debit Card, Baroda BPCL Debit Card, VISA Vyapar DI Debit Card, and many more.

If you are a Savings Bank Account and/or Current Account holder with Bank of Baroda and use BOB debit/ATM cards for making cash payments, transfers, and transactions, you might be curious about the debit card charges. To assist you, we have provided the relevant information below.

Bank of Baroda Debit Card Charges

In this article, we will cover the BOB debit card charges for PIN Regeneration, IRCTC ticket booking, ATM transactions exceeding the limit, debit card decline, international cash withdrawal, and international balance enquiry.

Annual Fees And Charges for Bank of Baroda Debit Card

Type of Debit Card Annual Charges

RuPay Classic

Visa Classic

MasterCard Classic

1st Year: Free

2nd Year onwards: Rs 200

RuPay Platinum

Visa Platinum

MasterCard Platinum

1st Year: Free

2nd Year onwards: Rs 300

RuPay Select

1st Year: Free

2nd Year onwards: Rs 500

Baroda VISA Vyapaar Business Card

1st Year: Free

2nd Year onwards: Rs 250

RuPay PMJDY (Bhamashah/Samagra)

RuPay KCC

RuPay Mudra

Free (Government Sponsored Schemes)

RuPay Classic

Visa Classic

MasterCard Classic

Rs. 100

Debit Card Issuance Fee Charges

Also Read: LIC Merchant Portal: Streamline Premium Collections in 2024

Type Of Debit Card Issuance Charges

RuPay Platinum

Visa Platinum

MasterCard Platinum

Rs. 300

RuPay Select

Rs. 500

Debit Card PIN Regeneration Charges

Type of Debit Card Regeneration Charges

RuPay Classic

RuPay Platinum

RuPay Select

Visa Classic

Visa Platinum

MasterCard Classic

MasterCard Platinum

Mastercard World Radiance

Rs 50 per regeneration

RuPay PMJDY

RuPay KCC

RuPay Mudra

Free (Government Sponsored Schemes)

Other Bank of Baroda Debit Card Charges

Particular Charges

Charge-slip retrieval charges Rs 400 per retrieval

IRCTC online ticket booking Rs 10

Bank of Baroda Card Replacement Charges (Master/Visa/Rupay/Visa Vyapaar Business Card) Rs 200

Number of free OFFUS Transactions (other bank ATM transactions) Free for:

Metro ATM - 3 transactions

Non-Metro - 5 transactions

Bank of Baroda ATM charges after free OFFUS transactions (other bank ATM) Rs 21

ATM charges after free ON-US transactions (BOB ATM) Rs 10

Bank of Baroda Debit Card Decline Penalty Charges Rs 20 per declined transaction (No penalty for BSBD Accounts)

Bank of Baroda ATM International Cash Withdrawal Charges

Classic variant: Rs 250

Platinum variant: Rs 450

Bank of Baroda ATM International Balance Enquiry Charges Rs. 30

The Final Takeaway

This information will help you quickly understand the Bank of Baroda debit card charges and fees whenever you need to. However, it is important to note that DCARDFEE or Debit Card Fee is not fixed and is subject to change according to the bank's regulations. Additionally, service tax charges will be applicable as per tax laws.