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Bank of BarodaDebit card

Bank of Baroda RuPay Platinum Debit Card

Bank of Baroda's RuPay Platinum debit card with current ₹50,000 daily ATM and up to ₹1 lakh daily POS/e-commerce limits and domestic/international functionality subject to channel activation.

First-party evidencePublished researchReviewed September 10, 2026Active
Cost / chargesCard issuance/annual fees depend on the linked account and current tariff. bob LITE specifically waives the card's annual fee when its separate QAB condition is satisfied.
Linked accountRequires an eligible linked Bank of Baroda account; any balance/QAB condition comes from the account relationship rather than the card itself.
Transaction limitsCurrent Bank of Baroda debit-card directory lists ₹50,000 daily ATM cash withdrawal and up to ₹1 lakh daily POS/e-commerce purchase limit.
Core benefitsRuPay Platinum network benefits, current personal accident insurance up to ₹2 lakh under applicable conditions, domestic/international usage capability and contactless/online functionality where enabled.
Research processPublished by littleden.blog

Structured from first-party bank/issuer evidence. This page does not claim personal hands-on product use unless that experience is explicitly stated.

3 first-party sources
Last checkedSeptember 10, 2026

Recorded source review date, not a claim that the product changed that day.

Maintenance stateWithin scheduled review window

Target recheck: November 9, 2026.

Critical decision facts

Card cost, linked account, limits and usable benefits come as one package.

The debit-card proposition depends on the account relationship and the exact ATM, POS, international or lounge conditions attached to this variant.

01 · Cost / chargesCard issuance/annual fees depend on the linked account and current tariff. bob LITE specifically waives the card's annual fee when its separate QAB condition is satisfied.
02 · Linked accountRequires an eligible linked Bank of Baroda account; any balance/QAB condition comes from the account relationship rather than the card itself.
03 · Transaction limitsCurrent Bank of Baroda debit-card directory lists ₹50,000 daily ATM cash withdrawal and up to ₹1 lakh daily POS/e-commerce purchase limit.
04 · Core benefitsRuPay Platinum network benefits, current personal accident insurance up to ₹2 lakh under applicable conditions, domestic/international usage capability and contactless/online functionality where enabled.
Exact product-type evidence

Debit card evidence stays in its own structure.

Specialist fields below remain source-scoped. Missing values stay missing; one banking product type is never used to manufacture facts for another.

Source-dated lounge entitlement

Lounge benefit change / discontinuation

Status: Discontinued · Reviewed September 11, 2026. Lounge access is an effective-dated relationship, not a permanent property of the card.

Domestic airportComplimentary airport-lounge access on this RuPay Platinum Debit Card is discontinued from 1 April 2026 under the current Bank of Baroda product page.
International airportNo current complimentary international airport lounge entitlement is published after the 1 April 2026 discontinuation state.
Railway loungeNo current Bank of Baroda railway-lounge entitlement is published for this card; do not carry forward a legacy/network benefit after the issuer's 2026 discontinuation state.
Visit quota0 current complimentary airport visits under the reviewed issuer state.
QualificationNot applicable to current complimentary airport access because the issuer states the facility is discontinued.
Network / programmeRuPay Platinum; issuer-specific current product terms control.
Access methodNo current complimentary airport access is modeled from 1 April 2026.
Guest / add-onNot applicable to the discontinued complimentary benefit.
Beyond allowanceAny lounge entry would be paid/otherwise eligible under a separate programme, not this discontinued complimentary entitlement.
Effective state2026-04-01
Scope checks
  • A historical lounge benefit must not be shown as current merely because older comparison/account pages still mention Platinum lounge access.
  • This discontinuation record is deliberately preserved so stale front-end copy can be identified and repaired.
Maintained terms

Fees, balances, benefits, limits and eligibility without a single-score shortcut.

These six fields are the cross-product layer. The specialist section above controls whenever a type-specific field is more precise.

Cost / chargesCard issuance/annual fees depend on the linked account and current tariff. bob LITE specifically waives the card's annual fee when its separate QAB condition is satisfied.
Linked accountRequires an eligible linked Bank of Baroda account; any balance/QAB condition comes from the account relationship rather than the card itself.
Core benefitsRuPay Platinum network benefits, current personal accident insurance up to ₹2 lakh under applicable conditions, domestic/international usage capability and contactless/online functionality where enabled.
Transaction limitsCurrent Bank of Baroda debit-card directory lists ₹50,000 daily ATM cash withdrawal and up to ₹1 lakh daily POS/e-commerce purchase limit.
EligibilityEligible Bank of Baroda savings/current/other supported account holders under the bank's debit-card issuance rules.
Account relationshipCan be linked to eligible Bank of Baroda accounts; bob LITE explicitly names RuPay Platinum and ties fee waiver to a separate QAB threshold.
Fit & cautions

Who this record appears designed for—and what can break the fit.

Best-fit wording summarizes the published proposition. It is not individualized financial advice or an approval prediction.

Potential fit

Eligible Bank of Baroda account holders who want a higher-limit RuPay card and can use the card's current network/insurance benefits.

Verify before relying
  • International, e-commerce and contactless channels may be disabled by default on new/reissued cards and require customer enablement through supported bank channels.
  • Insurance/network benefits have separate eligibility and usage conditions.
  • Card fee treatment can differ by linked account; bob LITE's QAB-based waiver should not be generalized to every RuPay Platinum holder.
Verified product relationships

Links the bank explicitly documents.

This section is narrower than the same-bank map below. Every relationship shown here has its own first-party evidence; products merely sharing a bank are not treated as linked.

Available with bob LITE

Bank of Baroda bob LITE Savings Account

Bank of Baroda explicitly names the RuPay Platinum Debit Card for bob LITE and states that the card is free when the separate QAB condition is maintained.

Card-fee waiver requires QAB of ₹3,000 metro/urban, ₹2,000 semi-urban or ₹1,000 rural; otherwise the bank's extant annual debit-card fee applies. The account itself remains lifetime zero-balance.Verify relationship at bank ↗
Maintained comparisons

Compare this product only where the pair is deliberately maintained.

Both sides keep independent review dates, exact conditions and first-party evidence. No winner score is generated.

First-party source ledger

Complete evidence set for this maintained profile.

Each source remains independent. A product page, tariff, KFS/MITC, rate schedule or programme document is not silently treated as interchangeable evidence.

Current-use rule

When the bank changes a term after the recorded review, the current agreement, tariff, KFS/MITC or effective rate table controls.

Research boundary

This page organizes dated public evidence; it does not guarantee eligibility, availability, approval, service quality or future pricing.