Indian Overseas Bank Debit Card Charges & ATM Withdrawal Limits

1. IOB Gold Debit Card
2. IOB Rupay Kisan Debit Card
3. IOB VISA Connect Debit Card
4. IOB Signature Debit Card
5. IOB SME Visa Debit Card
6. IOB Rupay Classic Debit Card
7. IOB Classic Debit Card
8. IOB Platinum Debit Card

1. IOB Rupay Mudra Card
2. IOB Rupay Select Card
3. IOB RuPay PaySecure

IOB Gold Debit Card – Charges & Withdrawal Limits

Features & Benefits IOB Gold Debit Card:

1. Money withdrawal limit per day: Rs.30,000
2. Shopping limit per day (card swiping): Rs.75,000
3. Internet transaction usage limit per day: Rs.75,000
4. Card issuance fee: Rs.150
5. Yearly charges: Rs.100 plus GST from the 2nd year
6. First 5 withdrawals (only 3 transactions permitted in 6 metros): Nil
7. Charged from the 6th transaction (4th in metros): Rs.20

IOB RuPay Kisan Debit Card – Charges & Withdrawal Limits

Features & Benefits of IOB Rupay Kisan Debit Card:

1. Purpose: To handle investment and credit needs of agriculturalists.
2. Eligibility Criteria: Prevailing farmer customers & also the future farmers
3. Margin: Up to Rs.1 lakh - Nil and More than Rs.1 lakh - 15 to 25%
4. Security/ Collateral: 
   1. Up to Rs.1 lac - Estimation of yield made out of loan.
   2. More than Rs.1 lac - Appropriate Collateral or TPG at the will of the Bank as well as the above.
5. Card validity: 5 Years

IOB RuPay Select Debit Card - Charges & Withdrawl Limits

1. Eligibility Criteria: All SB and CD accounts in the names of individuals or businesses with an average daily balance of Rs.1,000,000/- (Lounge access in specified airports).
2. Dail cash withdrawal limit: Rs.50,000
3. Card issuance charges: Rs.800 + GST
4. Maintenance fee (annual): Rs.800 + GST
5. Damaged card/re-issuance of card: Rs.350 + GST
6. Re-issue of PIN: Rs.10 to Rs.50
7. PoS/Ecom transaction: No charges

IOB RuPay Mudra Card – Charges & Withdrawal Limits

Eligibility Criteria: Individuals, proprietary and partnership enterprises engaging in non-farm activities for income production are examples of micro units in the non-corporate sector.

1. Dail cash withdrawal limit: Subject to a maximum of 20% of the WC limit
2. Card Limit: Published under the RuPay brand, A separate CC account is formed with a sublimit of 20% of the WC limit for exclusive card transactions.
3. Maintenance fee (annual): From the second year onwards, the fee is Rs.200/- +GST at the start of the year.
4. Damaged card/re-issuance of card: Rs.200 + GST
5. Re-issue of PIN: Rs.10 to Rs.50
6. PoS/Ecom transaction: No charges

IOB VISA Connect Debit Card – Charges & Withdrawal Limits

Features & Benefits IOB VISA Connect Debit Card:

1. Money withdrawal limit per day: Rs.20,000
2. Shopping usage limit at any or more PoS per day: Rs.50,000
3. First 5 transactions (only 3 transactions permitted in 6 metros): NIL
4. To replace or re-issue lost or ruined card: Rs.100

1. The cards are distributed in 2 designs, one for young women and the other for young males.
2. Connect cards are also be qualified for Loyalty Rewards extra points for usage via PoS.

IOB Signature Debit Card – Charges & Withdrawal Limits

Features & Benefits IOB Signature Debit Card:

1. Money withdrawal limit for the day: Rs.50,000
2. Usage Limit for Shopping in Merchant Establishments (PoS) per day: Rs. 2.70 lakhs
3. Limit for usage in online (E-com) shopping:Rs.2.70Lakh

More Benefits:

1. You can enjoy superlative spending power with no pre-agreed limit on your expenditures (which is up to SGD 6000).
2. Privileged clients servicing available round the clock. You can dial the IOB toll-free number for help, which is 000 117 866 765 9644.
3. You have a personal accident travel cover of up to USD 1 lac.
4. Special recognition and bargains for select merchandise, eating out, travelling, golfing and entertainment deals across the world.
5. Worldwide recognition at mercantile and ATMs to offer card users with the best utility and access level possible.
6. Free VISA assistance services as well as IOB Cash Rewardz points for regularly using your card for PoS and Ecommerce portals.

IOB SME VISA Debit Cards – Charges & Withdrawal Limits

Features & Benefits IOB SME VISA Debit Cards:

1. Money withdrawal allowed per day: Rs.50,000
2. Usage allowed for shopping at any Mercantile or Ecommerce portal per day: Rs.1 lakh
3. Yearly charge for maintenance: Rs.100
4. To replace or re-issue your card if it gets lost, stolen or damaged: Rs.100

More Features & Benefits:

1. Keeps business and individual expenditures separate as the debtor doesn’t need to utilize his/ her own credit card for business dealings. This way, it is easier to track and monitor each dime spent.
2. You are also entitled for IOB Cash Rewardz points for using this card via any PoS or Ecommerce portals. But you cannot use this to purchase gold.

IOB RuPay Classic Debit Card - Charges & Withdrawal Limits

Features & Benefits IOB Rupay Classic Debit Card:

1. Money withdrawal limit per day: Rs.20,000
2. Shopping limit at Mercantile (PoS) per day: Rs.50,000
3. Shopping limit at E-commerce portals per day: Rs.50,000
4. Fee levied for issuing your card: Nil
5. Yearly charges for maintenance: Rs.100 plus GST from the second year onwards
6. To replace or re-issue your lost or damaged debit card:Rs.100
7. Re-issue of PIN:Rs.20

IOB Classic Debit Card – Charges & Withdrawal Limits

Feature & Benefits of  IOB Classic Debit Card:

1. Money withdrawal limit allowed per day: Rs.20,000
2. Usage limit at Mercantile (PoS) per day: Rs.50,000
3. Usage limit per day for online shopping (at any accepted E-commerce portal): Rs.50,000
4. Fee for issuing your debit card: Nil
5. Charges for Yearly Maintenance: Rs.100 plus GST from the second year onwards
6. To replace or re-issue if you lose or damage the card: Rs.100
7. For re-issuance of your PIN: Rs.20
8. Fee for fund transactions at any IOB ATM: Nil
9. Fee for fund transactions at other banks’ ATMs: After 5 transactions, INR 20 per transaction. But in the 6 metros, only 3 such transactions are allowed.
10. If you are a CD/CC account holder, transaction charges that will be levied from the beginning: Rs.20
11. PoS/ Ecommerce Fund Transfers: Nil

IOB Platinum Debit Card – Charges & Withdrawal Limits

Features & Benefits of IOB Platinum Debit Card:

1. Money Withdrawal Limit Per Day: Rs.50,000
2. Usage limit at Mercantile(PoS) per day: Rs.2 Lacs
3. Fee for issuing card: Rs.200
4. Maintenance Charge Per Year: Rs.150 plus GST from the 2nd year.
5. Replacement/Re-issue of Lost/Damaged: Rs.100
6. Re-issue of PIN: Rs.20
7. PoS/Ecom Transactions: Nil

More Benefits:

1. Emergency Money Disbursement – If your platinum card is not working or found to be faulty in ATM or PoS of a specific country, you can call at VISA office there and can get the money sent via Western Union with the help of VISA.
2. Travel Assistance – Air Ticket booking various International Travel Agents using a Toll Free Telephone provided by VISA.
3. Visa Concierge services.
4. You are also entitled for IOB Rewardz point program for card usage via PoS or other Ecommerce portals.

How to Use Internet banking services with Your IOB debit card?

You can get the services mentioned below using Net banking:

1. Enquiry: IOB Balance check, past transactions, statements etc.
2. Check: Accounts status, cheque book request, deposits, transfer details etc.
3. Funds transfer, shopping, settle loans or credit card dues and more.

GST of 18% is applicable on all banking products and services from July 1, 2017 onwards.

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