A Bank of India debit card is a simple, secure, and convenient way to access your savings or current account. Bank of India debit cards make online shopping, ATM withdrawals, and everyday payments quick and easy. The ability to link EMI and purchase protection with select debit cards, allowing users to shop securely and manage expenses without needing a credit card.
These cards are available on the RuPay, Visa, and MasterCard networks, which are accepted at millions of locations across India and abroad.
Read on to learn more about the different debit cards from the Bank of India.Also, applying for a DC turns out easy as you have features, benefits and the procedure to apply for BOI DC. how to apply for one (online and offline), the main features, contactless capabilities, and all applicable charges. We’ll also highlight the key benefits you can expect as a Bank of India debit cardholder.
| For contactless (NFC) transactions using Bank of India debit cards, the standard limit per transaction is ₹5,000. If the transaction amount exceeds this limit, customers are required to enter their PIN to complete the payment, even when using the contactless feature. |
Types of Bank of India Debit Cards
Bank of India offers a variety of debit cards across RuPay, Visa, and MasterCard networks. Each card is designed for a specific customer need, from students and pensioners to high-value account holders and farmers. Below is a complete list of currently available debit cards.
MasterCard Debit Card
MasterCard is a global payment network that enables secure debit card transactions both in India and internationally.
| Card Name | Withdrawal Limit | Purchase Limit | Best For |
|---|---|---|---|
| MasterCard Titanium Debit Card | ₹15,000/day | ₹50,000/day | Everyday global use for general account holders |
| MasterCard Platinum Debit Card | ₹50,000/day | ₹1,00,000/day | Users with higher spending needs and global transactions |
| MasterCard Business Debit Card | ₹1,00,000/day | ₹2,50,000/day | Business or current account holders with high transaction volumes |
| MasterCard Bingo Debit Card | ₹15,000/day | TOD Facility: ₹2,500 | Students aged 15–25 years needing basic debit functionality |
Visa Debit Cards
Visa debit cards allow secure and globally accepted transactions, offering features like contactless payments, international usage, and tailored options for personal and business needs.
| Card Name | Withdrawal Limit | Purchase Limit | Best For |
|---|---|---|---|
| Visa Signature Debit Card | ₹1,00,000/day | ₹5,00,000/day | Premium customers with high account balances |
| Visa Platinum Contactless Debit Card | ₹50,000/day | ₹1,00,000/day | Everyday users preferring tap-to-pay (contactless) functionality |
| Visa Classic Debit Card | ₹15,000/day | ₹50,000/day | Regular account holders |
| VISA Business Debit Card | ₹1,00,000/day | ₹2,50,000/day | Business account holders needing higher limits |
RuPay Debit Cards
RuPay debit cards are India’s domestic payment cards, designed for secure, affordable transactions and widely accepted across ATMs, online platforms, and retail outlets.
| Card Name | Withdrawal Limit | Purchase Limit | Best For |
|---|---|---|---|
| Dhan Aadhaar Card | ₹15,000/day | ₹25,000/day | Aadhaar-linked basic savings accounts |
| RuPay Kisan Debit Card | ₹15,000/day | ₹25,000/day | Farmers using Kisan Credit Cards |
| Sangini Debit Card | ₹15,000/day | ₹25,000/day | Women aged 18+ seeking a specialized debit card |
| NCMC Debit Card | ₹15,000/day | ₹50,000/day | Transport, tolls, and offline wallet payments |
| RuPay Platinum Debit Card | ₹50,000/day | ₹1,00,000/day | Premium users with benefits like airport lounge access |
| RuPay Mudra Debit Card | ₹15,000/day | ₹25,000/day | Small business owners and MUDRA account holders |
| RuPay Punjab Arhtia Debit Card | ₹15,000/day | ₹25,000/day | Punjab procurement agents (Arhtias) |
| RuPay – PMJDY Debit Card | ₹15,000/day | ₹25,000/day | Jan Dhan account holders with basic banking needs |
| RuPay Select Debit Card | ₹50,000/day | ₹2,00,000/day | Customers seeking lifestyle perks like health checkups and fitness access |
Bank of India Debit Card Fees
Bank of India debit cards come with minimal charges that depend on the type of card, services used, and the nature of the account. It’s important to be aware of these costs to manage your banking expenses effectively.
Below are the common Bank of India debit card charges applicable to most customers:
Issuance & Annual Maintenance Fees
| Service | Fee |
| First-time card issuance | Free (with eligible account) |
| Replacement of lost/stolen card | ₹200 + GST |
| Annual maintenance fee | ₹150 + GST (may vary by card type) |
Note: Some premium cards like Visa Signature or RuPay Select may have higher annual fees.
Transaction Charges
| Service | Charge |
| ATM withdrawals at BOI ATMs | Free (up to allowed limit) |
| ATM withdrawals at other bank ATMs | Free up to 5 transactions/month (then ₹21 + GST per use) |
| Balance enquiry at non-BOI ATMs | ₹9 + GST per transaction |
| SMS alerts | ₹15 per quarter (waived for some accounts) |
International Usage Charges (For cards enabled globally)
- Foreign currency transaction fee: 3.5% of the amount
- Cash withdrawal abroad: ₹125–₹150 + applicable taxes
Note : Charges are subject to change based on RBI guidelines and BOI’s internal policies. Customers can always check the latest charges on the official website or through customer care.
How to Apply for a Bank of India Debit Card
Applying for a Bank of India debit card is a simple process. The bank offers both online and offline application options, depending on whether you’re opening a new account or requesting a card for an existing one. Here’s how to apply:
1. Online Application (For New Account Holders)
If you’re opening a new savings or current account online:
Step 1: Visit the official Bank of India website.
Step 2: Go to the “Digital Banking” or “Savings Account” section
Step 3: Choose your preferred account type and begin the online account opening process
Step 4: During the application, select your preferred debit card variant (such as Visa, MasterCard, or RuPay)
Step 5: Once your account is opened and verified, the debit card will be sent to your registered address
Note: This method is ideal for new customers who want to apply online for a Bank of India debit card while opening an account.
2. Offline Application (For Existing Customers)
If you already have an account with Bank of India:
Step 1: Visit your nearest Bank of India branch
Step 2: Fill out the Bank of India ATM card apply form (available at the counter)
Step 3: Choose the type of debit card you prefer, based on your account and eligibility
Step 4: Submit your completed form along with a copy of your ID proof
The bank will process your request, and the debit card will be delivered to your address within a few working days
Key Features of Bank of India Debit Cards
Bank of India debit cards come with features that make everyday banking easy, secure, and accessible. Whether you’re using your card at ATMs, for online purchases, or for in-store payments, these features are designed to ensure convenience and control.
Here are some of the main features:
Contactless Payments
Many Bank of India cards support contactless or tap-to-pay technology, allowing small purchases to be completed quickly without inserting the card or entering a PIN (up to ₹5,000 per transaction).
Daily Transaction Limits
The Bank of India debit card limit varies by card type:
- ATM Withdrawal: From ₹10,000 to ₹100,000 per day
- POS/Online Purchases: From ₹25,000 to ₹500,000 per day
These limits help users manage daily spending and protect against misuse.
Online & Mobile Access
Cards can be managed through BOI’s mobile app and internet banking, allowing users to:
- Track spending
- Block or unblock cards
- Change PINs
- Set card limits or restrictions
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Bank of India Contactless Payment
Also known as “tap-and-go” or NFC (Near Field Communication) payments, this feature is useful for fast checkouts at retail stores, restaurants, supermarkets, and public transport systems.
In order to use the contactless feature:
- Look for the contactless symbol on your debit card
- Tap your card on the payment terminal at the merchant’s counter
- For purchases up to ₹5,000, no PIN is required
- For amounts above ₹5,000, standard PIN verification is necessary
Safety in Contactless Transactions
Each contactless transaction uses a unique, encrypted code to ensure security. The card never leaves your hand, reducing the risk of skimming or misuse. Additionally, daily and per-transaction limits are enforced to prevent unauthorized use.
Contactless payment is automatically enabled on eligible cards. You can enable or disable this feature through BOI mobile banking or by contacting customer service.
Benefits of Bank of India Debit Cards
Whether you’re withdrawing cash, paying bills, shopping online, or travelling abroad, a BOI debit card ensures that your money is always within reach.
Convenient Access to Your Account
Use your debit card at any ATM across India or abroad (if international usage is enabled) to withdraw cash, check balances, or print mini-statements. You can also use your card at retail outlets and online stores.
Wide Range of Card Options
BOI offers debit cards under RuPay, Visa, and MasterCard networks, each with specific features, limits, and eligibility. There are cards for:
- Students (Bingo card)
- Women (Sangini card)
- Farmers (Kisan card)
- Pensioners (RuPay pension card)
- Business users (Business debit card)
- Premium customers (Signature, Platinum, Select)
This ensures you get a card that fits your spending habits and account type.
Secure Transactions
All cards are EMV chip-enabled and require a PIN for transactions. You also receive instant SMS alerts for every debit, adding an extra layer of security.
Eligibility
Most debit cards are issued based on the account type. For example:
- Savings account holders: Eligible for standard RuPay/Visa cards
- Current account holders: Can apply for business cards
- PMJDY account holders: Receive a RuPay PMJDY debit card
- Farmers: Eligible for the RuPay Kisan card linked to KCC
Eligibility may vary by branch, account balance, and card type.
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