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

Since your debit card is linked with your bank account, so it is mandatory to have an account with the bank to get any Bank of India debit card. The basic eligibility criteria for the card is mentioned below:

• You must have a savings or current account with the Bank of India
• You must be an Indian resident

Note: This is the basic eligibility criteria and it varies from card to card. For instance, you must have an average quarterly balance of Rs. 10 lakh or above in your account to avail a Visa Signature Debit Card. You can visit the official website of the bank to know the eligibility criteria in detail.

Just like credit cards, you can also avail benefits on your debit card transactions. Bank of India offers benefits like reward points, free lounge access, exclusive deals and much more to debit cardholders. Below-mentioned are some of the major features and benefits of Bank of India debit cards:

• You can withdraw cash from any bank’s ATM
• You can earn Star Points on your online and offline transactions
• You can use your card for domestic as well as international transactions
• You can avail free domestic airport lounge access as per the variant of your card
• You can make contactless payments just by tapping your card at the PoS machine

To apply for Bank of India credit card or debit card, you can either contact customer care or visit the branch. The details regarding the same are given below:

Through Customer Care: You can call on the Bank of India toll-free number and inform the representative that you want to apply for a debit card. The representative will ask a few questions and process your request. You will receive a debit card as per your eligibility at the given address.

By Visiting Branch: To apply for a debit card, you can also visit any of the nearest Bank of India branches of the bank and contact an executive. You are required to submit a duly filled application form along with the relevant documents. The bank will then verify your details and process your request.

After receiving your debit card, you are required to activate it in order to use it for future transactions. You can generate a Green PIN by visiting any of the Bank of India ATMs and following the below-mentioned steps:

Step 1: Insert your debit card into the machine and select your preferred language.

Step 2: Select the ‘Green PIN’ option available on the screen.

Step 3: Select the ‘Generate OTP’ option and an OTP will be sent to your registered mobile number.

Step 4: Remove the debit card and insert it again.

Step 5: After choosing your preferred language, click on the ‘Forgot/ Create PIN’ option.

Step 6: Select the ‘Validate OTP’ option and enter the six-digit OTP received on your mobile number.

Step 7: After this, you will be asked to enter the New PIN.

Step 8: After entering the New PIN twice, your PIN will be created and you can use your debit card for future transactions.

Just like Bank of India credit cards, you can make transactions and avail benefits with your debit card. You can use your debit card for online as well as offline purchases as per the details below:

Using Bank of India Debit Card for Online Transactions:

To use your card for online purchases, you are required to enter the card details, such as card number, expiry date and CVV. After this, you are required to enter the OTP received on your mobile number to confirm the transaction. You will receive a confirmation message on your mobile number after a successful transaction.

Using Bank of India Debit Card for Offline Transactions:

To use your debit card for offline purchases, all you need to do is swipe your card at the PoS machine and enter the four-digit PIN set by you. The PIN will authorize and verify the transaction. You will also receive a confirmation message in case of offline purchases on your registered mobile number.

Q. What is the Bank of India debit card customer care number?

A. In case of any queries related to your debit card, you can call on the toll-free number on 1800 103 1906 or on (022) 40919191. These numbers are accessible 24×7. Apart from this, in case of any query related to your debit card,  you can also contact the bank via email or visit any of the nearest branches.

Q. How can I block the Bank of India debit card?

A. To block your Bank of India debit card, you can contact customer care and ask the representative to block your card. The representative will ask for a few details for confirmation and process your request. You will also receive a confirmation message on your registered mobile number regarding the status of your debit card.

Q. How can I apply for a Bank of India debit card?

A. You can apply for any of the debit cards issued by the bank by visiting any of the nearest branches. All you need to do is submit an application form and the bank will process your request after verifying the details. You will receive the debit card at the address given by you in the application form.

Q. Can I earn reward points on my transactions via Bank of India debit card?

A. Yes, you can earn Star Points on your online as well as offline transactions via debit cards. For an instance, you can earn Star Points on your transactions via Visa Classic Debit Card, RuPay Classic Debit Card, RuPay Platinum Debit Card and more. You can also redeem the reward points as per the details available on the bank’s official website.

Q. What is the annual fee for Bank of India debit card?

A. The annual fee for Bank of India debit card varies from card to card. For example, RuPay Platinum Debit Card comes with an annual fee of Rs. 250, whereas, another BOI debit card.

Q. I don’t have an account with the bank. Can I apply for a Bank of India debit card?

A. No, it is mandatory to have a savings or current account with the bank to avail a debit card. Your debit card is issued against your bank account and every time you make a transaction using your card, the money gets deducted from your linked bank account.