Indian Overseas Bank Debit Card

Indian Overseas Bank Debit Cards

After demonetisation in india, Use of Indian Overseas Bank Debit Card, Credit Cards, UPI payments, and online banking has increased significantly. Indian Overseas Bank is well known Bank in India. Indian Overseas Bank provide various services to its retail as well as corporate Bank customers. Indian Overseas Bank Bank Account holders can avail services like Fund transfer, Bill Payment, Apply for a new Indian Overseas Bank Debit Card, Apply for a new Indian Overseas Bank Credit Card, open a new FD/RD account and book tickets and much more without paying any additional charges or fees provided that they have an internet connection and their mobile number is registered with the Indian Overseas Bank.

Rai Bahadur Lala Sohan Lal the first Chairman of the Bank, founded Indian Overseas Bank popularly also know as Indian Overseas Bank Bank in 1943 in Lahore. Within four years of its coming into existence, Indian Overseas Bank had to face Partition. The bank had to close down its branches in the newly formed Pakistan and shift its registered office from Lahore to Amritsar. The bank was nationalised on 15 April 1980. At that time, Indian Overseas Bank ranked 19th among the 20 nationalised banks.

As per March 2018 - 2019 annual report, Indian Overseas Bank has 2390 branches and 2625 ATMs pan India. On 30 August 2019, Finance Minister Nirmala Sitharaman announced that the Indian Overseas Bank and United Bank of India would be merged with Punjab National Bank.

Indian Overseas Bank offer a wide range of debit cards to their customers to choose.









Why we should apply for Indian Overseas Bank Debit Card?

Indian Overseas Bank debit card come with a wide range of benefits for its bank customers. Using this Card, ATM Services and purchase facility at Point Of Sale (POS) Terminals can be availed by the Indian Overseas Bank Card Holders. ATM Card holder of our Bank is also able to use ATMs of NFS and VISA member Bank

  • Balance Inquiry
  • Cash Withdrawal, Fast Cash
  • Mini Statement
  • PIN Change
  • Funds transfer (only among accounts linked to a card)
  • Cash/ Cheque Deposit in selected ATMs
  • Cheque Status Inquiry
  • Stop Payment of Cheques
  • Activation/ Deactivation of ATM Card for as Debit Card to use the same for payment through point of Sale and ecommerce transactions.
  • SMS Alert Registration/ Modification of SMS Alert Mobile Number
  • Mobile Banking Registration and De-registration
  • Aadhaar Seeding


How to apply for Indian Overseas Bank Debit Card?

  • All Indian Overseas Bank customers who are have Savings Bank accounts or Current accounts and are above 18 years of age are eligible for the Indian Overseas Bank Bank International Debit cum ATM Card.
  • If a user does not have Indian Overseas Bank Savings account or Current account, Then one must first open a account in Indian Overseas Bank branch.
  • User can apply for Indian Overseas Bank Debit Card while opening a saving account or current account with the bank, or the user can apply for it later as well once his bank account is opened by filling out the application form for the card and submit it to the bank branch.
  • After this between 7 to 21 working days bank customer will receive Indian Overseas Bank ATM cum debit card at his registered address.
  • After this bank customer can collect the PIN number for the card from the branch or Bank would send PIN at registered address through seperate post.
  • Now Finally customer, can avail Indian Overseas Bank banking facility at any of Indian Overseas Bank Bank network ATM or through other bank ATM.


Indian Overseas Bank Debit Card Fees and charges?

  • Usually there are no charges for issuing the Indian Overseas Bank debit card to the primary and the joint account holders.
  • Incase you have lost or damaged your Indian Overseas Bank Debit / ATM card for re-issuing your card bank would charge a nominal fee.


Different types of Indian Overseas Bank Debit Cards

Indian Overseas Bank - Indian Overseas Bank: offers different types of debit cards choose from the list given below based on your preference and charges and advantages you are getting with these Indian Overseas Bank Debit Cards.

Indian Overseas Bank IOB has tie up with Visa / RuPay / Master Cards for its Debit Card Program. Customers can use these cards for drawing cash not only in our Banks ATMs, but also in any Banks ATM that display the Visa / RuPay / Master Card logo. The Bank, in its constant endeavor to enhance customer service, has already tied up with a consortium of Banks under the banner of NFS by which customers can access their individual accounts from all ATMs. In addition, the cards can also be used through secured electronic payment gateways for e-commerce / Internet payments.  

  1. Indian Overseas Bank IOB Visa Gold Debit Card
  2. Indian Overseas Bank IOB Visa Platinum Debit Card
  3. Indian Overseas Bank IOB Rupay PMJDY Debit Card
  4. Indian Overseas Bank IOB Rupay Classic Debit Card
  5. Indian Overseas Bank IOB Rupay Platinum Debit Card
  6. Indian Overseas Bank IOB Visa Signature Debit Card
  7. Indian Overseas Bank IOB SME Visa Debit Card
  8. Indian Overseas Bank IOB Visa Classic Debit Card
  9. Indian Overseas Bank IOB Rupay Kisan Debit Card
  10. Indian Overseas Bank IOB Master Gold Debit Card
  11. Indian Overseas Bank IOB Rupay NCMC Debit Card
  12. Indian Overseas Bank IOB MUDRA Debit Card  

Indian Overseas Bank IOB DEBIT CARD SERVICE CHARGES

S.No. Description Charges
a) Issuance Charges
  VISA-CLASSIC Rs. 100/-
  RUPAY-CLASSIC FREE
  MASTER-CLASSIC Rs. 100/-
  RUPAY -PLATINAUM Rs. 150/-
  VISA-GOLD Rs. 200/-
  VISA-PLATINUM Rs. 250/-
  VISA-SIGNATURE Rs. 350/-
    Automatic renewal on expiry of validity period. Free
  RUPEE -PREPAID CARDS Rs. 75/-
SB-Gold,SB Silver, SB Student,SB Arogiyamahila,SB DEFNON,SB DEFCOM, BSBDA,BSBDS ,Corporate salary accounts,CD-Classic and CD - Supreme, PMJDY, ?No service charges for debit cards (it is free).Welcome kit free with first time issuance. Free for HNI and accounts with Average Balance above Rs. 50,000/-.
b) Replacement Charges at customer request.
  VISA-CLASSIC Rs. 150/-
  RUPAY-CLASSIC Rs. 150/-
  MASTER-CLASSIC Rs. 150/-
  RUPAY -PLATINUM Rs. 150/-
  VISA-GOLD Rs. 200/-
  VISA-PLATINUM Rs. 250/-
  VISA-SIGNATURE Rs. 750/-
c) Annual maintenance charges for second year
  VISA-CLASSIC Rs. 150/-
  RUPAY-CLASSIC Rs. 150/-
  MASTER-CLASSIC Rs. 150/-
  RUPAY -PLATINUM Rs. 150/-
  VISA-GOLD Rs. 150/-
  VISA-PLATINUM Rs. 200/-
  VISA-SIGNATURE Rs. 750/-
d) PIN charges  
  RE - PIN ( PHYSICAL ) Rs. 50/-
  Re-pin(green pin) Rs. 20/-
  PIN - RESET( pin tries exceed) other than mandated charges required Rs. 10/-
e) ATM transactions  
  Savings Bank( other Bank ATM Charges for SB Silver and SB Gold - No restriction on number of withdrawals -All are Free)   Free-3 transactions (financial & non-financial) per month in 6 metros (Chennai, Delhi, Mumbai, Kolkata, Hyderabad & Bangalore). Free - 5 transactions per month in other centres Thereafter Rs. 20/- per transaction
  For other account holders:   NO FREE Transaction- For all Transactions Rs. 20/- per Transaction
f)   Cheque Book request through ATM Rs. 55/-per request  

Benefits of holding Indian Overseas Bank Debit Card

  • There is no admission charge on processing charge on the debit card. The card will be absolutely free of cost for the first year, and from the second year onwards a small amount of Rs. 75 will be charged as a service charge.
  • Usually the debit card issues by the bank is valid for 5 years from the month of issue of the card.
  • You can use your debit card to avail various services like withdrawing cash, paying bill, online shoping, booking a ticket and to purchase fuel at petrol pumps etc.
  • These cards are accepted all over india, infact some are accepted internationally as well..
  • You can enjoy various discount and offers run by various online shopping website.


Indian Overseas Bank Debit Cards FAQs


⭐Q. What is eligibility to apply for Indian Overseas Bank Debit Card?

To apply for Indian Overseas Bank Debit Card user should have saving account or current account in Indian Overseas Bank and should be above 18 years of age.

⭐Q. Can i use Indian Overseas Bank Debit Card at other Bank ATM?

Yes you can use Indian Overseas Bank Debit Card at other Bank ATM Machine

⭐Q. How to can i activate Indian Overseas Bank Debit Card?

To activate Indian Overseas Bank ATM / Debit card just visit nearest Indian Overseas Bank ATM and follow the instructions to activate the card

⭐Q. What to do if Indian Overseas Bank Debit Card is lost?

If your Indian Overseas Bank Debit Card is lost simply block your card by calling Indian Overseas Bank customer care or tollfree number or by visting nearest Indian Overseas Bank branch.

⭐Q. What is the fee charge by Indian Overseas Bank for issuing a Debit Card?

Generally bank doesn't charge any fee for issuing a debit card or atm card for the first time. But incase your card is lost or damaged then for issueing another card they charge a nominal fee ranging between Rs. 100 to 250 which vary from bank to bank.

⭐Q. What all you can do with Indian Overseas Bank ATM / Debit Card?

With the help of Indian Overseas Bank ATM card you can register for Indian Overseas Bank Net Banking online and also you can reset Indian Overseas Bank Net Banking Password online at any given point of time.