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  • Syndicate Global Debit/ATM Card

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

    Syndicate Bank issues the Global debit-cum-ATM card to customers to give them convenient access to their money anywhere they may travel. The card facilitates purchases anywhere in the world with payment made through Indian rupees. The debit card is issued as VISA or Maestro cards.

    Syndicate Global Debit/ATM Card Variants

    The Syndicate Global Debit Card is available in three variants:

    • Syndicate Bank VISA Global Debit Card- Issued in association with VISA, this card is accepted at all ATMs across the globe that bear the VISA logo. It is also accepted at any merchant and e-commerce platform that accepts VISA.
      • Syndicate Bank VISA Electron Debit Card - This card is a PIN based debit card that is accepted at over 1.4 lakh ATMs in India and 18 lakh ATMs around the world.
      • Syndicate Bank VISA EMV Global Debit Card - This card has enhanced security features such as an embedded EMV chip that protects the cardholder from duplication and misuse.
    • Syndicate Maestro Global Debit Card - Issued in association with MasterCard, this card is accepted at more than 10 lakh ATMs and 29 million merchants worldwide.

    Features of Syndicate Global Debit/ATM Card

    Access to Cash

    With your Syndicate Debit Card, you will have access to ATMs in India and abroad. No matter where you travel, you can always use your debit card to get cash instantly. You can withdraw between Rs.100 and Rs.10,000 per day at ATMs. At Syndicate Bank ATMs, you can withdraw up to Rs.20,000.

    Access to Cashless Transactions

    Use your debit card at merchant outlets to pay for purchases without cash. You can swipe your card for a minimum of Rs.100 and a maximum of Rs.20,000 at Syndicate Bank ATMs and POS outlets. On other bank payment gateways, the maximum transaction value is Rs.10,000.

    24x7 Helpline

    Syndicate Bank provides a toll-free helpline around the clock to help customers address their queries, issues and complaints.

    Hotlisting Card

    In case you lose your debit card or it is stolen, you can contact the customer care helpline at anytime from anywhere to report it. The card will be hotlisted immediately and you will not be liable for any fraudulent charges on the card after the report.

    Lost Card Liability

    In case the debit card is lost or stolen, the liability borne by the cardholder is limited to Rs.1,000 once the card is reported to Syndicate Bank.

    ATM and POS Usage

    ATM/Merchant Number of outlets Transactions
    Syndicate Bank ATMs
    • Over 1,450 ATMs in India
    • Cash withdrawal
    • Balance enquiry
    • Mini statement
    • PIN change
    Other Banks’ ATMs with VISA logo
    • Over 1.4 lakh ATMs in India
    • Over 18 lakh ATMs globally
    • Cash withdrawal
    • Balance enquiry
    Merchants displaying VISA logo
    • 9.8 lakh POS in India
    • 280 lakh POS globally
    • Purchases
    Other Banks’ ATMs with Maestro logo
    • 65,000 ATMs in India
    • 10 lakh ATMs globally
    • Cash withdrawal
    • Balance enquiry
    Merchants displaying VISA logo
    • 5.5 lakh POS in India
    • 29 million POS globally
    • Purchases
    National Financial Switch Network (NPS)
    • 1.4 lakh ATMs
    • Cash withdrawal
    • Balance enquiry

    ATM Limits

    Particulars Limits
    Minimum transaction value at ATM Rs.100
    Minimum transaction value at POS Rs.100
    Maximum transaction value at Syndicate ATM/POS/payment gateway Rs.20,000
    Maximum transaction value at Other Banks’ ATM/POS/payment gateway Rs.10,000
    Maximum transaction value at Syndicate ATM outside of India Rs.10,000
    Free transaction limit at other bank ATMs (savings account holders) 5 free financial and non-financial transactions per month
    Free transaction limit at other bank ATMs (current or overdraft account holders) No free transactions
    Maximum transaction value permitted during offline mode (Not applicable to student minors and foreign nationals) Rs.5,000

    Fees and Charges

    Given below is the list of fees and charges associated with using the Syndicate Global debit card.

    Particulars Charge
    Issuance Fee for instant card Free
    Issuance Fee for instant add-on card Free
    Annual Fee for instant card Rs.100 per card (waived for the first year)
    Renewal Fee for instant card Rs.100 per card (after expiry of 5 years)
    Renewal Fee for instant add-on card Rs.100 per card (after expiry of 5 years)
    Replacement instant card Rs.100 per card
    Issuance Fee for personalised card Rs.100 per card
    Issuance Fee for personalised add-on card Rs.100 per card
    Annual Fee for personalised card Rs.100 per card (waived for the first year)
    Renewal Fee for personalised card Rs.200 per card (after expiry of 5 years)
    Renewal Fee for personalised add-on card Rs.200 per card (after expiry of 5 years)
    Replacement personalised card Rs.200 per card
    Transactions at other bank ATMs (savings account holders)
    • 5 free transactions per month (financial and non-financial)
    • Rs.20 for financial transactions
    • Rs.10 for non financial transactions
    Transactions at other bank ATMs (current and overdraft account holders)
    • No free transactions
    • Rs.20 for financial transactions
    • Rs.10 for non financial transactions
    Cash withdrawal at ATMs abroad Rs.140 per transaction
    Balance enquiry at ATMs abroad Rs.30 per transaction
    Declined transaction at ATMs abroad Rs.30 per transaction
    PIN regeneration Rs.50
    Charge slip retrieval Rs.100 or the actual charges, whichever is higher
    Foreign currency conversion 2% of the transaction amount
    Fuel surcharge 2.50% of the transaction amount, subject to a minimum of Rs.10 or actuals levied
    Railway ticket surcharge 2.50% of the transaction amount, subject to a minimum of Rs.25 or actuals levied
    GST

    Eligibility

    To apply for this debit card, you must meet the eligibility criteria set out by Syndicate Bank.

    • Indian Residents who hold a savings, current or overdraft account with Syndicate Bank can apply.
    • NRIs and foreigners can also apply.
    • Students above the age of 15 years are eligible.
    • In case of joint accounts, both holders can apply for this card.

    How to apply

    Applying for this debit card is simple. You need to open a bank account with Syndicate Bank. In the application form, you need to tick the option for a debit card. If you are already an existing customer of Syndicate Bank, you can submit an application to your branch. The bank can issue two types of debit cards:

    • Instant debit card - The card is issued immediately upon opening the account. The card will not bear the name of the cardholder.
    • Personalised debit card - The card will bear the name of the cardholder on the face of the card. To avail this card, you need to submit a request to the branch. It can take up to a few days to be issued.

    Syndicate Global Debit/ATM Card FAQs

    1. Who do I contact for issues related to my debit card?

      All debit card related issues and queries can be resolved by calling the 24x7 customer care helpline.

    2. Can I approach any Syndicate Bank Branch to avail services such as card replacement

      All debit card related services will be handled by the bank branch at which you maintain your accounts. You can avail the following services:

      • Issuance of new card
      • Issuance of replacement card
      • Add-on cards
      • Renewal card
      • Re-PIN
      • Linking bank accounts to debit card
      • Resolution of disputed transactions
      • Activation of debit card
      • Hotlisting of debit card
    3. What will Syndicate Bank cover in case of lost card liabilities?

      If you lose your card, you need to report it immediately to Syndicate Bank. The cardholder will then bear only up to Rs.1,000 liability in case of any fraudulent charges made to the debit card. However, Syndicate Bank will not provide liability cover in the following cases:

      • ATM withdrawals
      • POS transactions
      • Internet transactions
      • IVR transactions

      The reason being for all these transactions, an ATM PIN, IPIN, TPIN or OTP (One-Time Password) is required to authenticate the transaction. These PINs and passwords must be known only to the cardholder and must not be disclosed to anyone else.

    4. Can I make foreign currency transactions within India?

      No, the card cannot be used to make foreign currency transactions in India, Nepal or Bhutan.

    5. How many bank accounts can I link to this debit card?

      You can link up to 3 bank accounts with the same customer ID to this debit card. While using the card at ATMs or POS terminals, the transaction will be honored only if the primary account linked to the debit card has sufficient balance.

    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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