Bank of Baroda Platinum Debit Card- Best Premium Debit Card
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Indialends, 25 Mar 2026

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Bank of Baroda Master Platinum Debit Card

The Bank of Baroda Master Platinum Debit Card has become the first choice of premium customers. The bank has designed the card specially to meet the requirement of people who are looking for a debit card with higher spending and cash withdrawal limits. 

The card makes shopping convenient and safe for the customers. Another best part about the MasterCard Platinum debit card is that it is usable at any ATM/ Merchant outlet having a MasterCard logo and NFS member bank ATMs. The card makes merchant and online shopping very convenient and safe.

Features of Bank of Baroda Master Platinum Debit Card

  • The Bank of Baroda Master Platinum debit card is accepted internationally.
  • It offers the user ease of shopping with a spending limit of Rs 100,000 per day.
  • All the cash withdrawals for ATMs are 50,000 per day.
  • Bank of Baroda has created inter-connected ATMs and NFS Member Bank all over India.
  • MasterCard member bank ATMs bearing MasterCard logo in India and abroad.
  • For a convenient shopping, traveling, dining out at outlets accepting Master cards in India and abroad.
  • For hassle-free online shopping through the internet.

Benefits of Bank of Baroda Master Platinum Debit Card

  • Enjoys global acceptance
  • Enjoys round the clock cash withdrawal facility
  • 24/7 customer support
  • There is an add-on card feature also associated with the Bank of Baroda Platinum Debit Card
  • Highly safe and secure transactions

The eligibility criteria to apply for the Bank of Baroda Master Platinum Debit Card:

  • Applicant's age should be at least 18 years
  • Applicant needs to have a Current or Savings Account with the Bank


Issuance feesNIL
Annual FeeRs 100
Debit Card renewal chargesNIL
Card replacement chargesRs 200
Pin regenerationRs 150
Account overdrawn chargesRs 200
Fuel surcharges Rs.2.5% + Service tax (if any), on transaction amount or Rs.10/- whichever is higher


Here are the documents required to apply for the Bank of Baroda Master Platinum Debit Card

  • Proof of Identity : Aadhaar Card/ PAN Card/ Passport Driving License/ Voter ID Card
  • Proof of Address : Aadhaar Card/ Driving License/ Ration Card/ Voter ID Card/ Passport
  • Proof of address

How to apply for the Bank of Baroda Platinum Debit Card:

  • Contact your Branch.
  • If you don't have a savings or Current Account, first open your account.
  • Get the Debit Card Application form from the Branch, fill it up and submit it to your Branch.
  • You will receive your Insta Debit Card & PIN (Personal Identification Number) at the time of submission of the application form.
  • In the case of the named Debit Card, the card will be delivered to the customer's residential address. The PIN will have to be collected from the respective Branch.
  • The customer has to activate the Insta Debit card after 24 hours from the receipt of the card by withdrawing cash from Bank ATM.

FAQ’s

Loan against mutual funds (LAMF) allows you to borrow cash against your mutual fund investments as collateral. You can use Volt Money to lien mark your mutual funds digitally to avail an instant limit without losing the ownership of your mutual funds and all the associated benefits with it. Funds will be made available in the form of an overdraft facility.

The annual fee for the Axis Privilege Card is typically Rs. 1,500 plus taxes. This fee can be waived if the cardholder achieves an annual spending milestone, though the exact spending amount for the waiver can vary by card variant. For example, a common waiver condition is spending above Rs. 2.5 lakh in an anniversary year.

Luxe Vouchers are digital gift cards that can be redeemed across popular luxury and lifestyle brands such as Myntra, Flipkart, Pantaloons, and more. Once you qualify for the offer, the voucher code will be sent directly to your registered email ID or mobile number. In most cases, vouchers are delivered within 5–7 working days after successful validation of your transaction or application.

Yes, you can apply even with a low CIBIL score, but your chances of approval may be limited. Most banks and lenders prefer a CIBIL score of 750 or above for quick approval and better interest rates. If your score is lower, some lenders may still consider your application based on other factors such as your income, employment stability, or existing relationship with the bank. However, you may be offered a lower loan amount or higher interest rate. Improving your credit score before applying can increase your chances of getting approved on favorable terms.

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