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Oriental Bank of Commerce Debit Cards
Established in pre-independent India, Oriental Bank of Commerce has been serving the Indian public for the past 75 years. It has been carrying on with great perseverance and commitment through the quietude and turmoil of the Indian economy through all these years.
Their banking services have been benefitting millions of Indians in their day to day financial needs. They have a strong network of ATMs and branches across the country to give 24x7 access to the customer’s account. They have created various products to serve customers of both retail banking and personal banking. They offer a wide range of debit cards to their customers to help them with cash withdrawal, bill payments, shopping at merchant establishments and online portals, etc.
Why should I go for Oriental Bank of Commerce Debit Cards?
Oriental Bank of Commerce debit cards come with a wide range of benefits for its users. It has a few unique features not common in other bank debit cards.
- All debit cards are embedded with the technologically advanced EMV chips for added security
- Facility to link multiple accounts to a single debit card
- Fund transfer facility in Oriental Bank of Commerce ATMs using your debit card
- Check cheque status and cheque stop facility via OBC ATMs
- Add-on cards for family members
- Debit cards powered by VISA and RuPay
- PayWave & Bharat QR payment facilities
- Exclusive debit cards designed for farmers – RuPay Kissan card &RuPay Pungrain card
- Complementary Insurance to debit card holders
Types of Oriental Bank of Commerce Debit Cards
OBC offers debit cards powered by VISA and RuPay. They have a few different kinds of cards designed for specific customer base.
VISA powered cards
- OBC International Gold Debit Card
- OBC Visa Debit Card
Eligibility - These are International usage cards offered to all Savings bank/Current account/OD account holders
Daily withdrawal limit - OBC International Gold Debit Card – Rs.50,000/-
OBC Visa Debit Card - Rs.25,000/-
Daily purchase limit - OBC International Gold Debit Card – Rs.50,000/-
OBC Visa Debit Card - Rs.25,000/-
Other salient features - Fund transfer through Oriental Bank of Commerce ATMs
Add-on cards
Link multiple accounts to a single card
Check cheque status and stop cheque feature at OBC ATMs
Supported ATM networks - VISA, VISA PLUS, NFS
RuPay Powered cards - RuPay cards are widely accepted throughout India. Customers can use them at multiple ATMs, merchant establishments and online shopping portals.
With OBC RuPay cards, you can link multiple accounts to a single card.
RuPay cards offer attractive discounts and offers to its users. It has partnered with various brands to offer discounts and cashback offers for shopping, travel, groceries, lifestyle &fashion, health & wellness, entertainment & dining and many more
Oriental Bank of Commerce offers complementary insurance of up to Rs. 1 lac to all RuPay card holders.
RuPay cards are issued free of cost, as in there is no issuance charges or annual charges for these cards.
There are currently 4 different kinds of RuPay cards offered by OBC
| Card | Eligibility | Daily withdrawal limit | Daily Purchase limit | Usage points | Complementary insurance |
|---|---|---|---|---|---|
| Rupay Classic Card | SB/CA/OD account holders | Rs.25,000 | Rs.25,000 | ATM, POS machines & online shopping portals | Up to Rs. 1 lacs |
| Rupay Platinum Card | SB/CA/OD account holders | Rs.25,000 | Rs.25,000 | ATM, POS machines & online shopping portals | Up to Rs. 2 lacs |
| Rupay Kissan Card | OGC & GCC account holders | Rs.25,000 | Rs.25,000 | ATMs & POS machines | Up to Rs. 1 lacs |
| Rupay Pungrain Card | SB/CA/OD account holders | Rs.25,000 | Rs.25,000 | Pungrain, ATM & POS machines Online sale of grain by Arhita in Punjab | Up to Rs. 1 lacs |
ATM & Debit card fees & charges
| Add-on card issuance | Rs.100 - Rs.500 |
| Debit Card Replacement Charges | Rs.200 |
| Duplicate PIN/Regeneration of PIN through Branch | Rs.50/- for branch request Nil if done at OBC ATMs |
| International Transaction charges | Balance Enquiry at ATMs - Rs.25/- + taxes ATM cash withdrawal transactions - Rs.50/- min + 3% of Txn. amt + taxes PoS/e-Commerce portals - 3% of transaction amount + taxes |
| Enhanced withdrawal Limit | Rs.500 for the first 6 months and in multiples thereof |
| ATM card/Kit returned due to incorrect address | Rs.50 |
| Transaction declined due to insufficient funds | Rs.10 |
| SMS Alerts/Missed call banking facility | Rs.25 per half-yearly |
Oriental Bank Rewardz Program
The OBC Rewardz Program is open to all savings bank account holders of the bank. It has been designed to encourage digital payments among all its users via internet banking, mobile banking, UPI and debit cards.
Customers can register for the Rewardz Program either through internet banking or mobile banking
Points are called as OBC points. Currently, each point is valued at Rs.0.25. The points are valid for up to 3 years
Transactions eligible for Rewardz
- Debit card transactions on POS/E-commerce portals/Bharat QR/PayWave
- International transactions of debit card at POS and e-commerce portals
- Internet banking registration and subsequent transactions
- Payment transactions (NEFT/IMPS/RTGS/bill payments) on internet banking
- Outward payment transactions on mobile banking
- UPI registration and transactions
FAQs: Oriental Bank of Commerce Debit Cards
(1) How strong is the OBC ATM network in India?
OBC has a strong network of over 2500 ATMs in India. All these ATMs are powered by VISA, allowing all VISA card holders to withdraw cash and perform balance enquiry functions.
(2) What are the transactions I can perform at an OBC ATM with my OBC debit card?
All OBC ATMs allow its debit card holders to withdraw cash and do balance enquiry. In addition to these two major functions, one can also perform
- PIN Change
- Balance Inquiry
- Mini Statement
- Cash/ Cheque Deposit in selected ATMs
- Fund Transfer (between accounts linked on the same card)
- Cheque Status Inquiry
- Stop Payment of Cheques
- SMS Alert Registration/ Modification of SMS Alert Mobile Number
- MPAY (Mobile Banking) Registration and Deregistration
(3) Can I use my Oriental Bank of Commerce debit card at other bank ATMs?
Yes. Oriental Bank of Commerce debit cards are powered by VISA and RuPay, hence, one can use them in all ATMs powered by VISA & NFS.
(4) Can I personalize my debit card? How long does it take to receive my personalized card?
Yes. Oriental Bank of Commerce provides personalization feature on its debit cards. Once the appropriate form is filled and submitted at the branch, the personalized card & PIN should reach you within 7-10 days.
(5) What should one do in case they forget the debit card PIN?
In case the customer forgets their PIN, they can approach the nearest branch and give a written request for a new PIN. The new PIN number will be generated within 4-5 days.
(6) How many accounts can be linked to a single Oriental Bank of Commerce debit card?
At present, apart from the primary account, two additional accounts can be linked to a single debit card.
(7) How many add-on cards can be obtained on an account?
Apart from the primary card, two additional add-on cards can be obtained for a single account.
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