Author
LoansJagat Team
Read Time
16 Minute
20 Mar 2025
Bank of Baroda Debit Card – Types, Features & Application Process
Ravi, a marketing professional, had a hectic lifestyle filled with last-minute travel plans. One evening, while working late at his office, he received an urgent call; he had to fly to Mumbai the next morning for a client meeting. Worried about skyrocketing flight prices, he quickly opened the EaseMyTrip website to check fares.
Just then, he remembered his Bank of Baroda EaseMyTrip Debit Card. Curious, he checked the offers and was pleasantly surprised, it provided a 10% discount on flight bookings. Instead of paying ₹10,000, he only had to pay ₹9,000, instantly saving ₹1,000. Delighted, he proceeded with the transaction, which was completed in seconds.
Later, while waiting at the airport, Ravi explored more benefits of his card and discovered that it also came with complimentary OTT subscriptions. Smiling, he leaned back and enjoyed a movie on his phone, realising that his Bank of Baroda Debit Card was not just a payment tool but a smart companion that made his travels affordable and convenient.
Top Bank of Baroda Debit Cards for 2025
Debit Card | Key Features | Limitations | Examples | Tips |
Visa Classic DI Debit Card | Contactless transactions up to ₹5,000 (without PIN) ₹25,000 daily cash withdrawal limit ₹50,000 shopping limit | Primarily for domestic use Limited international acceptance | Ideal for everyday shopping, dining, and domestic ATM withdrawals. | Use for quick payments at local stores or domestic online shopping, as international acceptance may be limited. |
Visa Vyapaar DI Debit Card | ₹2,00,000 daily cash withdrawal limit ₹5,00,000 daily shopping limit Supports international transactions. | Available only to current account holders. | Suitable for business owners making large transactions or managing cash flow. | Best for business owners who frequently make high-value transactions or require international payments. |
MasterCard Classic DI Debit Card | ₹25,000 daily cash withdrawal limit ₹50,000 shopping limit CVV2 for secure online transactions International acceptance | Some benefits (e.g., insurance) are limited to domestic use. | Ideal for moderate spenders who need both domestic and international spending flexibility. | Great for secure online shopping and international transactions where Mastercard is accepted. |
RuPay Platinum DI Debit Card | Complimentary domestic & international lounge access Accidental insurance up to ₹2 lakh ₹50,000 cash withdrawal limit ₹1,00,000 purchase limit. | Limited acceptance outside India. | Perfect for travellers who frequent airports and need additional protection and perks. | Ideal if you travel frequently and want access to lounges. Watch for limited overseas acceptance in some places. |
RuPay Select DI Debit Card | ₹1,00,000 purchase limit Accidental insurance up to ₹10 lakh Complimentary spa, gym, and golf discounts. | Higher annual maintenance charges. | Best for high-end customers seeking a premium lifestyle with added perks. | Use to access luxury services like golf discounts or gym memberships. Make sure the annual fees are worth it. |
BoB World Yoddha Debit Card | ₹1,50,000 daily cash withdrawal limit ₹5,00,000 daily shopping limit Complimentary lounge access Insurance coverage up to ₹10 lakh. | Available only to defence personnel with SB-186 accounts. | Designed specifically for defence personnel who need high withdrawal limits and coverage. | If you're in the defence sector, this card offers great benefits like insurance and lounge access. |
RuPay Classic Debit Card | ₹25,000 daily cash withdrawal limit ₹50,000 shopping limit Enhanced security features. | Limited international acceptance. | Suitable for those who prefer low-cost cards with basic features for domestic transactions. | Best for domestic transactions, especially if you're looking for a simple card with low fees. |
Visa Electron Debit Card | ₹25,000 daily cash withdrawal limit ₹50,000 shopping limit PIN-based transactions with security verification. | International usage may have limited benefits. | Great for beginners or those looking for a secure, basic debit card. | Ideal for those who prefer added security (PIN-based) and use the card mainly for domestic purchases. |
Baroda BPCL Debit Card | Co-branded with BPCL: fuel rewards and cashback ₹50,000 daily cash withdrawal limit ₹1,00,000 shopping limit Lounge access Insurance coverage up to ₹2 lakh. | Maximum 20 offline purchase transactions per day ₹2,000 max stored value balance. | Best for customers who frequently fuel up at BPCL stations and want cashback and lounge access. | Use for fuel-related expenses and to earn rewards at BPCL outlets. Track the maximum offline transactions. |
BoB World VISA Opulence Debit Card | ₹5,00,000 daily cash withdrawal limit ₹10,00,000 daily shopping limit 4 complimentary golf games + 12 lessons Complimentary Club Marriott membership. | Subject to higher eligibility criteria. | Ideal for high-net-worth individuals who want exclusive lifestyle perks. | If you qualify, this card offers premium benefits; ensure it fits your high-spending habits. |
BoB's World VISA Sapphire Debit Card | ₹3,00,000 daily cash withdrawal limit ₹5,00,000 daily shopping limit 1 complimentary lounge visit + airport drop/pick-up per quarter. | May have specific eligibility requirements due to premium benefits. | A good option for travellers who seek benefits like lounge access and airport assistance. | Great for those who want luxury travel experiences with exclusive access to lounges and airport services. |
RuPay Qsparc NCMC Debit Card | Dual interface (contact & contactless) for transactions up to ₹5,000 ₹50,000 daily cash withdrawal limit ₹1,00,000 shopping limit Transport payment support (metros, buses) | Restrictions on offline transactions and stored value balance. | Suitable for commuters who prefer to use the card for both shopping and public transport. | Use for easy metro or bus payments and domestic purchases. Keep track of offline transaction limits. |
Bank of Baroda Debit Card Eligibility
Debit Card | Eligibility Criteria |
General Eligibility (for all Debit Cards) | Individual Account Holders: Customers with self-operated Savings, Current, or Overdraft accounts are eligible. Joint Account Holders: Debit cards can be issued to any or all account holders for joint accounts with operating instructions as "Either or Survivor" or "Anyone or Survivor. Corporate Entities: Baroda Visa Vyapaar Debit Card can be issued to Private Limited Companies, Public Limited Companies, and Partnership Firms with modes of operation such as "Self" or "Sole Proprietor. |
Bank of Baroda EaseMyTrip Debit Card | Existing Customers: Can apply via the Branch, Bob World app, or Internet Banking. New Customers: Must visit any Bank of Baroda branch for assistance. |
Features & Benefits of Bank of Baroda Debit Card
Category | Details | Examples |
Flight Bookings | 10% instant discount on Domestic Flights (up to ₹1,000) with no Minimum Order Value
| Book a ₹5,000 domestic flight and get ₹500 off.
|
Hotel Bookings | 15% instant discount on Domestic Hotels (up to ₹5,000) with no Minimum Order Value
| Book a ₹25,000 domestic hotel stay and get ₹3,750 off.
|
Airport Lounge Access | Complimentary domestic airport lounge access (2 visits per quarter)
| Use it for relaxing at an airport lounge before your flight. |
OTT Benefits | Annual membership for Amazon Prime, Zee5, or SonyLiv (one per annum) | Enjoy free access to Amazon Prime, Zee5, or SonyLiv for a year. |
Shopping Vouchers | Big Basket, Blinkit, and Flipkart vouchers worth ₹250 each (once per quarter) | Get ₹250 off your next grocery shopping at Big Basket or Blinkit, or use it for Flipkart purchases. |
Movie Tickets | ₹250 off on purchase of 2 movie/non-movie tickets (once per quarter) | Save ₹250 on buying two movie tickets for a movie night. |
Music Subscription | Complimentary Gaana Plus Pack - 12-month subscription (per annum). | Enjoy music without ads on Gaana for an entire year. |
Bill Payments | 20% instant discount (up to ₹100) per card per month on Amazon recharge/bill payments (minimum order ₹129) on Fridays. | Pay your mobile bill on Amazon and get a ₹100 discount every Friday. |
Food Delivery | 20% instant discount (up to ₹100) per user per month on Swiggy (minimum order ₹129) on Fridays. | Order food on Swiggy and save ₹100 every Friday on your meal. |
Bus Bookings | 10% instant discount (up to ₹250) with no Minimum Order Value. | Save ₹250 on your bus ticket for an upcoming trip. |
Hotel Booking (Spree) | 25% instant discount (up to ₹5,000) | Book a hotel through Spree and get ₹5,000 off on your stay. |
Cab/Transfer | 10% instant discount (up to ₹1,000) on Airport Transfers/Outstation Cabs | Save ₹1,000 on booking an outstation cab for your next trip. |
Activity Bookings | 10% instant discount (up to ₹1,000) on Activity Bookings. | Get ₹1,000 off when booking an adventure activity or experience via a partner platform. |
Concierge Services | 24x7 concierge services to manage flight bookings, table reservations, gift deliveries, and more. | Use the concierge to book a table at a fine-dining restaurant or send gifts to loved ones. |
Cash Withdrawal Limit | Maximum cash withdrawal limit of ₹50,000 per day. | Withdraw cash up to ₹50,000 daily from ATMs or the bank. |
POS/E-Commerce Limit | ₹1,00,000 per day limit for POS/E-commerce transactions. | Make online or in-store purchases up to ₹1,00,000 per day. |
Contactless Transactions | Contactless transactions up to ₹5,000 can be done without a PIN at POS. | Make quick payments of up to ₹5,000 at contactless-enabled POS terminals without entering a PIN. |
Personal Accident Insurance | Personal accident and permanent disability cover up to ₹10 Lakh. | In case of an accident, get coverage of up to ₹10 Lakh. |
Air Accident Insurance | Air accident insurance covers up to ₹50 Lakh. | Coverage up to ₹50 Lakh in case of an unfortunate air accident. |
How to Apply for a Bank of Baroda Debit Card
Here is a step-by-step guide to apply for a Bank of Baroda Debit Card for you to consider:
For Existing Account Holders
Online Application via Bob World Mobile App
- Step 1: Log in to the Bob World Mobile App.
- Step 2: Go to the 'Cards' section.
- Step 3: Select 'Virtual Debit Cards.'
- Step 4: Click 'Register New Virtual Debit Card.'
- Step 5: Choose the account number and preferred card variant.
- Step 6: Set the card's validity period.
- Step 7: Confirm the details and enter your transaction PIN to generate the virtual debit card.
Tips
- If you need a virtual card immediately, follow these steps to get it instantly.
- Keep your transaction PIN secure.
- Double-check card details before finalizing the registration.
Online Application via the Bank's Website
- Step 1: Visit the Bank of Baroda website.
- Step 2: Go to 'Personal Banking' and select 'Debit Cards.'
- Step 3: Choose the desired debit card variant.
- Step 4: Click 'Apply Now' and follow the instructions to complete the application.
Tips
- This is a quick and easy online method to apply for a physical debit card.
- Ensure your internet connection is stable during the application process.
- Keep your account details and identification documents handy.
Offline Application at Branch
- Step 1: Visit your nearest Bank of Baroda branch.
- Step 2: Fill out the 'Debit Card Application Form.'
- Step 3: Submit the completed form with the necessary details (account number, personal info) to the branch representative.
Tips
- If you prefer face-to-face interaction, visit the branch to apply for your card.
- Ensure you have all the required documents to avoid multiple trips.
For New Customers
Opening a New Account
- Step 1: Visit the nearest Bank of Baroda branch.
- Step 2: Complete account opening formalities (proof of identity, address, photos).
- Step 3: Once the account is active, apply for a debit card via the methods mentioned above for existing customers.
Tips
- Open a savings account and apply for your debit card in one visit.
- Ask about any special promotions or offers available for new customers when applying for a debit card.
Activation of Debit Card
- Step 1: After receiving your debit card, activate it by generating a Green PIN using one of the following methods:
- Bank of Baroda ATM
- bob World App
- BoB World Internet Banking
- IVR system (Interactive Voice Response)
- Bank of Baroda ATM
Tips
- Activate your card immediately to start using it.
- Don’t share your Green PIN with anyone.
- Keep track of the activation steps in case you face any issues.
Bank of Baroda Debit Card Cash Withdrawal Limitations
Debit Card | Daily Cash Withdrawal Limit | Per Transaction Withdrawal Limit | Cashback Benefits | Additional Considerations |
Visa Classic Debit Card | ₹25,000 per day | Bank of Baroda ATMs: ₹15,000, Other Bank ATMs: ₹10,000 | None | Suitable for everyday banking transactions but with lower withdrawal limits. |
RuPay Platinum Debit Card | ₹50,000 per day | Bank of Baroda ATMs: ₹15,000, Other Bank ATMs: ₹10,000 | None | Ideal for those with higher daily cash needs. |
Visa Vyapaar Debit Card | ₹2,00,000 per day | Bank of Baroda ATMs: ₹15,000, Other Bank ATMs: ₹10,000 | None | Best for business owners with high transaction volumes. |
BoB World VISA Sapphire Debit Card | ₹3,00,000 per day | Bank of Baroda ATMs: ₹15,000, Other Bank ATMs: ₹10,000 | None | High daily withdrawal limit, suitable for high-spending individuals. |
BoB World VISA Opulence Debit Card | ₹5,00,000 per day | Bank of Baroda ATMs: ₹15,000, Other Bank ATMs: ₹10,000 | None | Best for premium customers who need a large daily cash limit. |
Baroda BPCL Debit Card | ₹50,000 per day | Bank of Baroda ATMs: ₹15,000, Other Bank ATMs: ₹10,000 | Cashback & fuel rewards on transactions at BPCL outlets | Great for customers who frequently refuel and shop at BPCL stations. |
Bank of Baroda EaseMyTrip Debit Card | ₹50,000 per day | Bank of Baroda ATMs: ₹15,000, Other Bank ATMs: ₹10,000 | Discounts and cashback on EaseMyTrip travel bookings | Ideal for frequent travellers who book flights, hotels, and other travel services through EaseMyTrip. |
Bank of Baroda Debit Card Offers
Offer Category | Offer Details | Validity | Details | Example |
Amazon Fashion & Beauty | 10% instant discount, up to ₹300, on a minimum purchase of ₹1,500 | Every Wednesday from February 7, 2024, to March 31, 2024 | Applicable on eligible purchases through Amazon using Bank of Baroda debit cards. | Example: If you purchase an item worth ₹3,000, you get a ₹300 discount (10% of ₹3,000). Total: ₹2,700. |
JioMart Groceries | 10% instant discount, up to ₹500, on grocery purchases. | March 1, 2024, to March 7, 2024. | Available on grocery transactions at JioMart using Bank of Baroda debit cards. | Example: If you buy groceries worth ₹4,500, you get a ₹450 discount (10% of ₹4,500). Total: ₹4,050. |
Croma Electronics | 10% instant discount, up to ₹2,500, on electronic purchases. | November 28, 2024, to December 1, 2024. | Applicable on purchases at Croma stores or online using Bank of Baroda debit cards. | Example: If you buy a TV worth ₹25,000, you get a ₹2,500 discount (maximum cap). Total: ₹22,500. |
Reliance Digital | 15% discount on all products | No specific validity mentioned | Available for purchase at Reliance Digital stores or online using Bank of Baroda debit cards. | Example: If you buy a smartphone worth ₹20,000, you get a ₹3,000 discount (15% of ₹20,000). Total: ₹17,000. |
EaseMyTrip Debit Card Benefits | Amazon Prime, Zee5, or SonyLiv annual membership Quarterly shopping vouchers worth ₹250 (Big Basket, Blinkit, Flipkart) ₹250 off on two movie/non-movie tickets once per quarter - Complimentary domestic and international airport lounge access (2 per quarter, 2 per annum) | Ongoing with annual and quarterly benefits. | Benefits available to Bank of Baroda EaseMyTrip Debit Card holders. | Example: If you use the card to book a flight and avail 10% off (₹1,000) and a 15% discount on a hotel (₹3,000), you can save ₹4,000 in total. |
How to Activate a Bank of Baroda Debit Card
Activating your Bank of Baroda debit card and setting its Personal Identification Number (PIN) can be accomplished with several convenient methods. Here's a guide for you to consider:
1. Using the BoB World Mobile App
- Log In: Access your account by logging into the Bob World mobile application.
- Go to Cards: Tap on the 'Cards' section.
- View Debit Cards: Select 'View Cards' under the Debit Cards category.
- Select Card: Choose the debit card you wish to activate.
- Manage Settings: Click on 'Manage' and enable the desired functionalities, such as International Usage, Contactless Usage, or Online Usage.
2. Through BoB World Internet (Net Banking)
- Log In: Access your account via Bob World Internet banking.
- Enter your User ID and Password to access your account.
- Services Tab: Click on the 'Services' tab.
- Card Services: Under 'Card Services,' select 'Set Daily Debit Card ATM & POS/E-COM Limits.'
- Select Card: Choose your Customer ID and the specific card number.
- Enable Features: Adjust settings for International Usage, Contactless Usage, or Online Usage as needed.
3. At a Bank of Baroda ATM
- Insert Card: Place your debit card into the ATM.
- Manage Debit Card: Select the 'Manage Debit Card' option.
- Manage Channels: Choose ‘Manage Channel.’
- Select Options: Enable or disable functionalities like ATM, POS, E-COM, or Contactless based on your preferences.
4. Via IVR (Interactive Voice Response)
- Call: Dial the toll-free number 1800 5700 from your registered mobile number.
- Select Option: Choose the 'Reissue Debit Card PIN' under ‘Banking Service & Other Information.’
- Authenticate: Enter the last four digits of your debit card and its expiry date. An OTP will be sent to your registered mobile number.
- Set PIN: Enter the OTP and follow the assistance to set your PIN.
Important Notes
- Registered Mobile Number: Ensure your mobile number is registered with the bank to receive OTPs and activation codes.
- Security: Never share your PIN, OTP, or any sensitive information with anyone.
How to Block Your Bank of Baroda Debit Card
Method | Description | Steps | Availability |
Customer Care Hotline | Call toll-free numbers for immediate blocking of your card. | Dial 1800 258 44 55 or 1800 102 44 55 from your registered mobile number and follow the IVR prompts. | 24/7 availability |
SMS Service | Block your card via SMS by sending a message. | Send an SMS: "BLOCK C <Last 4 digits of your ATM card>" to 8422009988 from your registered mobile number (e.g., BLOCK C 1234). | 24/7 availability |
BoB World Mobile Banking App | Use the mobile banking app to block your debit card. | Log in to the Bob World app, go to 'More', select 'Debit Card Block/Hotlist' under 'Quick Actions', select your card and confirm the block. | Anytime via the app |
Net Banking (Bob World Internet) | Block the card through the online banking platform. | Log in to Bob World Internet, go to 'Services' > 'My Accounts' > 'Debit Card Blocking, ' select your card, and proceed with the blocking request. | Anytime via Internet banking. |
Visiting a Bank Branch | Block the card in person by visiting a Bank of Baroda branch. | Visit a branch, fill out a form to block the card, and submit it to the bank representative. | During branch hours |
Important Considerations
- Immediate Action: Quickly blocking your card prevents unauthorised transactions.
- Replacement Card: After blocking your card, apply for a new debit card to continue banking.
- Unblocking: Once a card is blocked, it cannot be unblocked, and a new card must be requested.
Bank of Baroda Debit Card FAQs
Q. Where can I use my Bank of Baroda RuPay debit card?
Your Bank of Baroda RuPay debit card can only be used in India to make purchases, withdraw cash, and make electronic payments at ATMs, merchant locations, and points of sale that accept RuPay because it is a domestic card scheme.
Q. How to check my Bank of Baroda debit card status using my mobile number?
Calling the centre or toll-free numbers 1800 258 44 55 or 1800 102 44 55 from your registered mobile number allows customers to verify their status.
Q. Is it mandatory to use the PIN?
Yes, all PoS transactions involving Bank of Baroda Debit cards require a PIN following RBI regulations.
Other Bank Debit Cards | |||
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LoansJagat Team
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