BOB Debit Card Charges - DcardFee by Bank of Baroda

Bank of Baroda, India's second-largest public sector bank based in Vadodara, Gujarat, provides an array of debit card benefits with minimal annual fees. If you're a Savings or Current Account holder who uses these cards, you may receive notifications about DCARDFEE charges. Understanding these deductions is essential, hence knowing the latest debit card fees for various transactions is crucial.

Understanding DCARDFEE

While BOB issues debit/ATM cards free for the first year, subsequent years incur an annual DCARDFEE. The fee varies with each debit card type, such as Rupay Classic or VISA Vyapar DI. This applies to both Savings and Current Account holders using BOB cards for payments and transfers. For clarity, the following covers relevant charges.

Fees & Charges for BOB Debit Cards

This guide explains charges for PIN regeneration, IRCTC ticket booking, ATM use beyond limits, international withdrawals, and balance inquiries.

Annual Fees by Type:

• RuPay/Visa/Mastercard Classic: 1st Year Free, then Rs 200 annually
• RuPay/Visa/Mastercard Platinum: 1st Year Free, then Rs 300 annually
• RuPay Select: 1st Year Free, then Rs 500 annually
• Baroda VISA Vyapar Business: 1st Year Free, then Rs 250 annually
• RuPay PMJDY (Bhamashah/Samagra), KCC, Mudra: Free under government schemes

Further Debit Card Charges:

• Debit Card Issuance: RuPay Platinum/Visa/Mastercard Rs 300, RuPay Select Rs 500
• PIN Regeneration: Rs 50, free for government scheme cards
• Charge-slip Retrieval: Rs 400 per retrieval
• IRCTC Booking: Rs 10
• Card Replacement: Rs 200
• Free Transactions: Metro/3, Non-Metro/5 at other banks
• Thereafter BOB ATM: Rs 21/offsite, Rs 10/onsite
• Declined Penalty: Rs 20 (exempt for BSBD Accounts)
• International Withdrawals: Classic Rs 250, Platinum Rs 450
• International Balance Inquiry: Rs 30

Conclusion

This summarized guide assists in understanding BOB debit card fees swiftly. Remember, such charges including DCARDFEE may change per bank policy, and applicable service taxes align with current laws. For more details, consider exploring payment services like UPI, or investment options such as PPF. Stay informed about schemes like PMJJBY and PMSBY for financial security.