Compare Bank of Baroda bob Champ RuPay Debit Card and PNB Master Grow Platinum Debit Card using the controlling cost, balance, rate, tenure, liquidity, limits, eligibility and current first-party bank evidence for this product type.
Compare the two source-backed records without collapsing unlike conditions into a winner score.
Eligible bob Champ customers age 10+ who receive the scheme-specific card and need tightly bounded ATM/POS access.
Eligible PNB GROW minor customers who need a clearly documented child debit-card limit and can understand the yearly-balance condition for AMC waiver.
littleden.blog · Comparison research sheet
Prepared 14 Sep 2026 · Source page: https://littleden.blog/compare-banking/bob-champ-rupay-debit-card-vs-pnb-master-grow-platinum-debit-card/
General product research only. Recheck the listed first-party sources before acting because product terms can change after the recorded review dates.
Each checkpoint reproduces the recorded product fields instead of assigning a winner. Read the condition, scope and missing-data state before treating a difference as useful to you.
Source review: September 9, 2026
Maintenance: Within the scheduled review window
2 attached sources. A review date is not a guarantee that terms have stayed unchanged.
Source review: September 11, 2026
Maintenance: Source recheck advised
3 attached sources. A review date is not a guarantee that terms have stayed unchanged.
Conflict or scope mismatch flagged in the record. Read the source caveats before relying on these terms.
The stored field wording is preserved. Product-type-specific evidence follows this generic comparison where deeper structured research exists.
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| Decision factor | Bank of Baroda bob Champ RuPay Debit Card | PNB Master Grow Platinum Debit Card |
|---|---|---|
| Cost / charges | Issuance is free under the current bob Champ account terms; renewal charges follow Bank of Baroda's latest debit-card service-charge schedule. | PNB current debit-card directory lists ₹250 issuance, ₹250 AMC and ₹250 replacement (excluding GST) for MasterCard Platinum GROW. The current GROW scheme leaflet separately advertises free issuance and AMC waiver when ₹5,000 yearly average balance is maintained, so scheme-vs-card-directory pricing remains an explicit first-party conflict. |
| Linked account | Requires an eligible bob Champ savings relationship; the account itself has zero MAB, while age-specific account balance restrictions can still apply. | Requires PNB GROW relationship; the account itself has zero MAB, while the card AMC waiver uses a separate ₹5,000 yearly-average-balance condition. |
| Core benefits | Theme-based RuPay debit access tied to the bob Champ child-account proposition, plus current network/account protections and controls. | Scheme-specific Mastercard debit access plus current GROW-linked rewards/offers subject to scheme terms. |
| Transaction limits | Current bob Champ terms state ₹3,000 maximum ATM withdrawal per day, ₹3,000 combined ATM/POS daily limit and ₹5,000 overall daily transaction limit. | ₹10,000 ATM cash withdrawal per day, ₹10,000 combined POS/e-commerce per day and ₹5,000 contactless per day. |
| Eligibility | Available from age 10 to eligible bob Champ customers. Bank of Baroda also lists RuPay Classic as an alternative card variant under the same account. | Issued in the PNB GROW minor-account relationship under the scheme's guardian/self-operation rules. |
| Account relationship | One explicitly named debit-card option for bob Champ, not a promise that every account receives this exact card rather than RuPay Classic. | Exact named card endpoint derived from PNB's current GROW scheme leaflet rather than a generic PNB debit-card inference. |
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Reviewed September 9, 2026 · 2 attached first-party sources
Reviewed September 11, 2026 · 3 attached first-party sources