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Eligibility
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Satisfactory running SB, Current, Overdraft Accounts Operated upon singly (In Jt. Accounts – Any one to operate).
Accounts of minors or in which minor is a joint account holder, are not eligible.
In case of STUDENT, who have completed 15 years of age and operate their SB A/c. themselves (not through guardians). In this case, the card is usable only in ATMs, and NOT in Merchant Locations.
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Minimum Balance
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SB – 500/- ( Debit Card are also issued to NO Frills Accountholders also )
CD – Rs.5000/-
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Facilities offered
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Transaction at ATM
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At ATM of BOI & ATM of other designated networks
a.Withdrawal of Cash upto Rs.15,000/- per day.
b.Balance enquiry.
At ATM of Bank of India
c. Deposit of Cash & Cheques at ATM with depositories.( mainly in ON SITE ATMs)
d. Transfer of balances among the accounts attached to the Card (only on – on site ATMS).
e. Mini statement of last 5 transactions for any a/c. attached to the card.
f. Request a cheque book.andChange PIN.
g. Star Sandesh (SMS) is sent free of charges on all Debit transactions through ATM.
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Transaction on Point of Sale (POS) Terminals.
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Upto Rs.25,000/- per day.
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Attachment of additional accounts
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Primary account with additional 5 accounts in the same name & same capacity. Cardholder may access any where in India any of the six accounts attached to the card.
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When the Card with multiple accounts is used at POS, the primary account will be debited.
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Charges
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Transaction in INDIA
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1. Annual fees
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2. Cash withdrawal at BOI ATM
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NIL
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3. Balance Enquiry and Cash withdrawal at other Bank’s ATM in India.
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4. Transaction at Railways
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2.5% + applicable tax and surcharge
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5. Transaction at Petrol Pump
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2.5%Min. Rs.10/- + applicable tax and surcharge
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6. Card re-issuance
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Rs.100/-
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7. Additional Card (per card)
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Rs.100/-
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Transaction at OVERSEAS ATM
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Rs.125/- + 2% currency conversion charges
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Balance enquiry
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Rs.15/- to Rs.25/-
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Merchant transaction at POS
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2% currency conversion charges
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Loss of Cards
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1.Promptly report to the bank.
2.Lodge Police Complaint and furnish copy to the Bank.
3.A replacement card would be issued to the customer on receipt of written application.
Customer may call the number assigned for hot listing the card.
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Misuse of Lost Card
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Zero liability for cardholder from the time of reporting the loss of card.
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Security
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1.Card & PIN should be kept separately.
2.Card should be kept v safe otherwise it may be misused at POS terminal even without PIN.
3.Signature should be done on signature penal immediately on its receipt.
4.Loss of card should be reported immediately.
5.Card should be first used at ATM thereafter at any POS terminal.
6.PIN should be changed and should be kept secretly, so that it may not be known to any person who may misuse your card. At POS it should be used in your presence.
7.PIN Mailer will be directly sent to the Applicant & Card will be given at the branch after proper identification.
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Members of Cash Tree ATM
Our Bank is also member of NFS network
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Bank of India | Dena Bank | Indian Bank | Syndicate Bank | Union Bank of India | United Bank of India The Bank of Rajasthan Ltd | Indian Overseas Bank | Karnataka Bank Ltd | Yes Bank | Dhanlaxmi Bank | City Union Bank | Laxmi Vilas Bank
Our debit card can be used on ATM of these Banks without any service charges.
In case, cash is not dispensed with from ATM and your account is debited then you lodge your claim in Charge Back Form for failed transaction at your branch who will forward your claim to that Bank through Head Office Card Product Deptt Mumbai. After verification your claim will be settled. You have option to lodge your claim online through our bank’s website www.bankofindia.co.in |