Bank of Baroda Debit Card: How to Apply, Features & Benefits

The eligibility criteria for Bank of Baroda Debit Card varies as per the variant of the card that is issued against your bank account. However, the general eligibility criteria to avail debit card is as follows:

• You must be an Indian resident or NRI
• You must hold a savings account with the bank

With both debit and credit cards, you can avail various benefits, like discounts, cashbacks, rewards and other complimentary services. Below-mentioned are some of the general features offered by Bank of Baroda debit cards:

• Cashback and rewards on debit card purchases
• Quick and hassle-free access to cash withdrawal with over 9,200 ATMs across India
• High shopping and cash withdrawal limits which enable you to make high value transactions as per your requirements both online and offline
• Complimentary airport lounge access at domestic and international airports
• Contactless payments on transactions of up to Rs. 5,000
• Additional features, such as insurance coverage, entertainment and dining discount benefits

Bank of Baroda Debit Card is issued against your account, therefore, it is a must to have a savings account with the bank. Though, generally, you get a debit card whenever you open your account, but you can also apply for a debit card separately if you did not receive it at that time. The bank allows you to apply for a debit card through both online and offline ways.

To Apply Online: First, you need to log in to the Bank of Baroda internet banking net banking portal and request for a debit card. You will see a list of eligible cards after logging in. Choose the card as per your preference and submit the form. After successful submission, the card request status will be shown on the screen.

To Apply Offline: You can visit the nearest branch of the bank and contact an executive regarding the application process. You will be required to fill out an application form and submit relevant documents. The bank will then process your application and approve your request.

The limitations incurred by the bank on debit card cash withdrawals are as follows:

*BoB debit card charges applicable for the transactions done beyond the prescribed limit at other bank ATMs.

Just like the application process, you can complete Bank of Baroda debit card activation online as well as offline. You will be required to enter a Green PIN to activate your debit card through ATM. All you need to do is swipe your card and select the “Set/Re-generate PIN” option and then an OTP will be sent to your registered mobile number. After entering the OTP, you can set the desired PIN on the next screen.

You can also log in to the net banking portal of the bank using your credentials for Bank of Baroda ATM card PIN generation. Then, click on “Set/ Reset Debit Card PIN” under the “Services” tab and select your debit card details. Enter the OTP received on your mobile number and set the desired PIN.

Click here to know the detailed process.

You can use Bank of Baroda Debit Card for online as well as offline transactions. However, one thing you must remember is that your debit card is directly linked with your savings account. Hence, the payment will be deducted directly from the bank account. To understand the process of a debit card, you can read the below-mentioned details:

Using Bank of Baroda Debit Card Offline

You can use your debit card for offline transactions by swiping it at the card machine. After swiping the card, you will be asked to enter the four-digit PIN to process your transaction. At the end, you will receive a message about the transaction on your registered mobile number.

Using Bank of Baroda Debit Card Online

To use your debit card online, it is important to have all your debit card details with you, such as debit card number, expiry date and CVV. After entering your card details, you will receive an OTP on your registered mobile number. Enter the OTP at the merchant’s site to complete your transaction. You will also receive a confirmation message on your mobile number regarding the transaction.

Q. I don’t have an account with the bank. Can I apply for Bank of Baroda Debit Card?

A. No, in order to apply for a debit card, it is must to have a savings account with the bank. Apart from this, you must be an Indian resident or NRI to apply for Bank of Baroda debit cards. This is the generic eligibility criteria but it differs as per the variant issued to you.

Q. What is the Bank of Baroda Debit Card customer care number?

A. You can call on the Bank of Baroda customer care number on 18002584455/ 18001024455 regarding any query. You can also drop an email to the bank at ccb@bobcards.com to state your issue. Click here to know more details regarding the same.

Q. Can I convert my Bank of Baroda Debit Card purchases into EMIs?

A. Yes, the bank allows you to convert your purchases into EMIs at the time of purchase or post-purchase. To avail this facility, you can look at the merchant’s site that whether it offers the Bank of Baroda Debit Card EMI option or not. Additionally, you can also call on the customer care number of the bank and ask a representative regarding the process.

Q. How can I block my Bank of Baroda Debit Card?

A. You can call on the customer care of the bank and ask the representative to block your debit card. The representative will ask for a few details for the verification and process your request. Besides this, you can log in to the net banking app and block your debit card. If you want avail a new debit card, you can also send a request for the same, but the nominal charges will be applicable.

Q. How can I check the application status of my Bank of Baroda Debit Card?

A. To check your Bank of Baroda Debit Card application status online, you can visit the official website of the bank and enter your application number. Your application status will be shown on the screen. In case you want to check your application status offline, you can either call on customer care or visit any of the nearest branches.