Bank of Baroda Annual Debit Card Charge

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Hey all,

Today BoB debited Rs. 295 as debit card fee (for APR21 to MAR22) for the Visa Platinum card they have provided with my AC. Last year the same fee was Rs. 236 (APR20 to MAR21). Thing is, the Visa Platinum debit card with my Icici savings ac is charged at 180 or so rupees, so what’s the deal with BoB here? And they never intimated me regarding this increase for past 2 years, so can I have this fee reversed to some extent or something?

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Usually bank do not send revised rates to customers . They only update Soc (schedule of Charges ) for all accounts on their website .
Different banks charges differently for their products .

You can try if they reverse but chances are less if they updated Soc recently

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Bob debit cards are worst. They not even give small rewards points also and charges are high.

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Fee reversal for debit cards in government banks? Is this possible?

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Thanks for the replies, I had no idea whatsoever that it’s on the bank to decide what charge they will impose on the Visa cards, I thought for same category of cards (Visa Platinum in this instance) the charge is same and uniform across all banks. A third class state run bank like BoB charging significantly more than a pvt. bank is beyond comical anyway. I’ll try to register a complaint through that link, I get all lost with their different categories!

What’s the annual cost of this Rupay thing? Any idea?

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I’ve been a BoB customer for 5+ years and I was never charged for DC, earlier it was a Mastercard variant and last year when it expired they sent a Rupay variant.

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ithehappy wrote:

Thanks for the replies, I had no idea whatsoever that it’s on the bank to decide what charge they will impose on the Visa cards, I thought for same category of cards (Visa Platinum in this instance) the charge is same and uniform across all banks. A third class state run bank like BoB charging significantly more than a pvt. bank is beyond comical anyway. I’ll try to register a complaint through that link, I get all lost with their different categories!

What’s the annual cost of this Rupay thing? Any idea?

if you issue BOB RuPay Platinum debit card, you will save Rs100 per month on amazonpay load money, offer valid till March 2022.

Total Rs1200 profit.

offer details – https://www.desidime.com/deals/amazon-rupay-exc...

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ithehappy wrote:

Thanks for the replies, I had no idea whatsoever that it’s on the bank to decide what charge they will impose on the Visa cards, I thought for same category of cards (Visa Platinum in this instance) the charge is same and uniform across all banks. A third class state run bank like BoB charging significantly more than a pvt. bank is beyond comical anyway. I’ll try to register a complaint through that link, I get all lost with their different categories!

What’s the annual cost of this Rupay thing? Any idea?

You can check Bob website for various debit card charges. Dena bank (before merging into Bob) issued me international gold visa debit card when all I asked for international online transactions to be switched on in debit card form for 590. (Even their international gold debit doesn’t support international online transactions). I was very angry as I very rarely use ATM (once/twice a year), no pos also. But didn’t visit branch to complain. Finally within a year of card issuance, Dena merged into Bob and they charge me 295 (highest per year debit card charges in BOB as they don’t have separate charges for gold debit).

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Chudiya wrote:

I’ve been a BoB customer for 5+ years and I was never charged for DC, earlier it was a Mastercard variant and last year when it expired they sent a Rupay variant.

Great to know. I’ve been a customer since 2013/14 or something and I don’t care if they charge me the standard for debit card. But paying 295 is ridiculous, for a bank like BoB’s calibre.

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