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Plastic money or e-money is gaining popularity in our country in the recent years. This has accelerated many folds after the demonetization activity that happened two years back. The introduction of debit card comes with much convenience and comfort in dealing with financial transactions. One can make utility bill payments, online purchases, cashless facilities and many other benefits.
About Indian Overseas Bank Debit Card
Indian Overseas Bank offers many privileges on using their debit cards. At a nominal charge per year, one can enjoy the benefits of using debit card instead of cash. The bank has tied up with Visa/Mastercard/Rupay payment services for its debit card Some of the features of the card are:
Rs.30,000 Cash withdrawal
Rs.75,000 for purchases
Rs.75,000 for online transactions
Rs.200 for issuing the card
Rs.150 for annual maintenance
IOB Rewardz Points
VbV secured online transactions
Rs.50,000 Cash withdrawal
Rs.2 lacs for purchases
Rs.2 lacs for online transactions
Rs.250 for issuing the card
Rs.200 for annual maintenance
Emergency cash disbursement
No charge for issuing the card
Rs.100 for annual maintenance
RuPay secured online transactions
Rs.20,000 Cash withdrawal
Rs.50,000 for purchases
Rs.50,000 for online transactions
Rs.150 for issuing the card
Personal Insurance Cover
Rs.2.7 lacs for purchases
Rs.2.7 lacs for online transactions
Rs.350 for issuing the card
Rs.750 for annual maintenance
Airport lounge access
Offers on retail, dining, travel, golf and entertainment
Global acceptance at merchant outlets and ATM
Rs.1 lac for purchases
Rs.1 lac for online transactions
Rs.100 for issuing the card
Master Secure online transactions
With increased usage of cards for financial transactions, there is an increase in skimming and theft of money through these cards. IOB offers maximum security on its debit cards as it is based on chip technology. It processes the personal data on the card with utmost confidentiality and tamper proof. It also helps in preventing misuse of the card through enhanced security features offered by Mastercard /Visa for online payments.
(1) What is IOB Rewardz?
It is an exclusive loyalty program created by the bank for Debit card holders wherein one can earn rewards points every time the debit card is used.
(2) What is Green PIN?
IOB has introduced a unique facility of Green PIN wherein the Debit card PIN can be set with the help of OTP and without paper details being sent to the cardholder. This makes the process easier and environment friendly.
(3) Who all are eligible for Green PIN?
All existing and new debit cardholders of IOB are eligible for Green PIN.
(4) How can I apply for a debit card?
One can visit the bank personally and submit an application form for debit card and the required supporting documents to get a debit card.
(5) What are the transaction charges while using IOB debit card?
There are no transaction charges while using IOB debit card.
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CreditMantri will never ask you to make a payment anywhere outside the secure CreditMantri website. DO NOT make payment to any other bank account or wallet or divulge your bank/card details to fraudsters and imposters claiming to be operating on our behalf.