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Bank of Baroda Visa Electron Debit Card

Debit Card
  • Make online transactions
  • Quick ATM withdrawals
  • Bonus points & gifts

Bank of Baroda is now providing its customers with a debit card that can be used for all daily transactions. Visa Electron Debit Card is ideal for your daily needs in purchasing day-to-day groceries, clearing out utility bills, booking tickets online, etc. The debit card comes with a number of benefits like higher transaction limits and higher ATM withdrawal limits, among others.

Features of Visa Electron Debit Card:

  • Offers a swipe limit of Rs.50,000 per day
  • High cash withdrawal limit of Rs.25,000 per day
  • Can be used at over 6,900 Bank of Baroda ATMs around the country
  • This card can be used for picking up daily groceries
  • This card can also be used for booking tickets online
  • Online transactions are made easy and secure with PIN verification
  • Enquiries about bank statements and account balance can be made at any ATM with this card

How do you apply for a Visa Electron Debit Card?

An individual can apply for a Visa Electron Debit Card by first opening an account with Bank of Baroda. Once the application form is submitted to the bank along with all necessary documents, the bank will determine if you are eligible to open an account with them.

Steps that need to be followed to open an account:

  • Download the “Account Opening Form” that is available on the Bank of Baroda website
  • Fill in all required details that is asked for on the form
  • Submit the filled application form along with all necessary documents
  • Once the bank is done reviewing your application form, the bank will create your account
  • When the bank has decided to open an account for you, the bank will then issue a debit card along with its PIN number

Documents required:

You are required to submit the following documents for clarifying identification when you’re applying for a Visa Electron Debit Card:

  • Voter ID
  • Aadhaar Card
  • Driving Licence
  • PAN Card with photograph
  • Passport (Verification for NRI’s)
  • Any document with your photo on it that has been certified by the Central/State government and its departments

You are required to provide documents for Proof of Address (POA) also. Submit any of the documents listed below as a POA:

  • Passport
  • Voter ID
  • Ration Card
  • Registered Lease or Sale Agreement of Residence
  • Driving Licence
  • Insurance Copy
  • Utility bills like telephone (landline only), electricity, and water (not more than 3 months old)
  • Any legal document that is issued by the Central/State government or any of its departments
  • Women who are married can submit a POA in the name of their spouse

Please ensure that all copies are attested before submission.

Service Charges and Fees related to Debit Cards:

Let us take a look at the list of services and charges that is provided by Bank of Baroda on their debit cards. These charges may vary for Bank of Baroda’s Visa Electron Debit Card.

Particulars Charges
Annual Fee Exempted for the first year. Rs.100 p.a. for the following years (Not applied for No Frill Accounts)
Regeneration of PIN Rs.150
Charges for additional cards Exempted for the first year. Rs.100 p.a. for the following years (Not applied for No Frill Accounts)
Renewal of Debit Card on expiry Nil
Replacement of card (Within India) Rs.200
Cash Withdrawal at BOB ATM in India Nil
Balance Enquiry at BOB ATM in India Nil
Mini Statement at BOB ATM in India Nil
Transactions made at Metro ATMs of other banks located in 6 Metro cities: Mumbai, Chennai, New Delhi, Kolkata, Hyderabad, and Bengaluru
  • 3 transactions per month are free
  • Rs.20 is charged for every financial transaction
  • Rs.10 is charged for every non-financial transaction
Transactions made at Metro ATMs located at any other place other than the mentioned 6 Metro cities
  • 5 transactions per month are free
  • Rs.20 is charged for every financial transaction
  • Rs.10 is charged for every non-financial transaction
For every transaction made on an overdraft/current account holders Rs.20
MasterCard/ Visa/ RuPay
  • Rs.400 per cash withdrawal
  • Rs.75 per balance enquiry
Charges for retrieval of charge slip Rs.400
Rail tickets and fuel surcharges Rs.10 or 2.50% of transaction amount (whichever is higher)
Surcharges on payments at certain educational institutions and payment of certain government services 1% of the transaction amount

**Fees are susceptible to change without any prior notice at the sole discretion of the bank/regulator. GST is applicable.

Bank of Baroda Visa Electron Debit Card FAQs:

  1. How can I activate my Visa Electron Debit Card?

    A Visa Electron Debit Cardholder can activate their card by using the PIN that has been provided by the bank at an ATM. This PIN can then be changed to any other four-digit number of your choice. Please ensure that the envelope containing the PIN has not been tampered with in any way when you get your debit card and PIN package from the bank.

  2. What happens if I lose my Visa Electron Debit Card?

    If a Visa Electron Debit Card is lost or stolen, it is advisable that the individual report the matter to the bank immediately. The card will then be blocked to prevent any misuse or fraud. The cardholder must confirm the same in writing to the bank along with an acknowledged police complaint which must be submitted along with the written letter. Once this is done, a new card will be issued from the bank.

  3. What are the features of a Visa Electron Debit Card?

    There are a number of features that a Visa Electron Debit Card provides that makes daily transactions easy.

    • Cash withdrawals from various ATMs
    • Enquiry about account balance
    • Mini statement of the account can be printed easily
    • Minimizes the amount of hard cash that we would need to carry around
  4. Can I change the PIN received from the bank for my Visa Electron Debit Card? Yes, you can. All you need to do is go to the nearest ATM and punch in your current PIN. Once this is done, go to the relevant options and change the PIN to a four-digit number of your preference.
  5. What do I do if I have forgotten my PIN?

    If you have forgotten your PIN, contact the bank and apply for the PIN regeneration. Once this is done, the bank will issue a new PIN and this PIN will be sent to the registered address of the cardholder. A PIN regeneration charge will be levied on the card holder.

GST of 18% is applicable on all banking products and services from July 1, 2017 onwards.

Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

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