Debit, prepaid, forex & payment services

BOI RuPay PMJDY Debit Card

A domestic RuPay debit card for PMJDY-linked basic accounts with ₹15,000 and ₹25,000 /e-commerce limits and accident cover.

Product typeDebit card Annual maintenance feeFree for the specified PMJDY/BSBDA scheme codes in BOI's concessional-account charge row; the row also lists free issuance. No GST is charged on a zero fee.Issuance fee₹250 for Classic/NCMC debit-card issuance; applicable GST is extra. PMJDY account concessions may provide free issuance under the applicable account scheme.

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✓ Manually checked 30 Aug 2026 · active

Offered byBank of India

India; domestic , and e-commerce usage

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

International transaction / forex markupNo numeric forex markup is published on the reviewed classic-card pages. Domestic cards and international merchant variants state that international e-commerce is not allowed; confirm current conversion charges with BOI before overseas use.View source

The reviewed pages publish usage limits and domestic/international scope but no numeric foreign-currency conversion percentage.

Source: BOI Classic Debit Cards and Annexure VII
Page / section: Features / current service charges
Accessed: 30 Aug 2026
Confidence: high

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Issuance fee₹250 for Classic/NCMC debit-card issuance; applicable GST is extra. PMJDY account concessions may provide free issuance under the applicable account scheme.View source

The current table lists Classic issuance at ₹250 and separately lists free debit-card issuance in specified PMJDY concessions.

Source: Annexure VII — Digital Banking Product Service Charges
Page / section: p. 2 — classic/ issuance and concessional accounts
Accessed: 30 Aug 2026
Confidence: high

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AvailabilityIssued through BOI account channels in India. Product-specific use ranges from India-only to domestic and international merchants; international e-commerce is excluded where the page says so. Punjab Arthia is restricted to the Punjab food-procurement project.View source

The catalogue and individual pages publish each card's usage territory and account channel.

Source: Classic Debit Cards — BOI catalogue
Page / section: Catalogue and linked product pages
Accessed: 30 Aug 2026
Confidence: high

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Transaction limitsPublished limits vary by card: Master Titanium/Visa Classic ₹15,000 ATM and ₹50,000 POS/e-commerce; Sangini ₹15,000 ATM and ₹25,000 POS/e-commerce; PMJDY ₹15,000 ATM and ₹25,000 POS/e-commerce; Mudra/Kisan/Punjab Arthia ₹15,000 ATM and ₹25,000 POS; NCMC ₹15,000 ATM and ₹50,000 POS/e-commerce; Master Bingo ₹15,000 ATM and ₹25,000 POS/e-commerce; Visa Bingo ₹15,000 ATM and ₹50,000 POS/e-commerce per day.View source

Each linked official page was checked for its //e-commerce daily limits; the values are retained by variant.

Source: BOI Classic Debit Cards — linked product pages
Page / section: Transaction limit tabs
Accessed: 30 Aug 2026
Confidence: high

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NetworkRuPay.View source

The official product page identifies the card as RuPay PMJDY.

Source: RuPay PMJDY Debit Card — BOI
Page / section: Product title / platform
Accessed: 30 Aug 2026
Confidence: high

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Product typeDebit cardView source

The manually reviewed product summary states: “A domestic RuPay debit card for PMJDY-linked basic accounts with ₹15,000 and ₹25,000 /e-commerce limits and accident cover.”.

Source: BOI RuPay PMJDY Debit Card — official product page
Page / section: Published product type and usage scope
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Annual maintenance feeFree for the specified PMJDY/BSBDA scheme codes in BOI's concessional-account charge row; the row also lists free issuance. No GST is charged on a zero fee.View source

The current concessional-account row lists Debit Card Issuance Charge: Free and Annual Maintenance Charge: Free for specified PMJDY/BSBDA scheme codes.

Source: Annexure VII — Digital Banking Product Service Charges
Page / section: p. 2 — Debit Card in Concessional Accounts / PMJDY
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Benefits and features

₹1 lakh cover for old PMJDY cards or ₹2 lakh for new PMJDY cards, subject to a qualifying transaction within the prior 90 days
Contactless transactions up to ₹5,000 without
Star Points on eligible transactions

Eligibility

Only in /PMJDY accounts; qualifying transaction is required for the insurance benefit.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

PMJDY/ account and

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Master Titanium · NetworkMastercard

This value is copied from BOI classic debit cards — published limits and eligibility. Check the table notes before relying on it.

Source: BOI Classic Debit Cards catalogue and linked pages · Features, eligibility, transaction limits and Annexure VII Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 10 rows · 7 columnsBOI classic debit cards — published limits and eligibilityView tableHide table

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BOI classic debit cards — published limits and eligibility
Card	Network	Eligibility	/day	/e-commerce/day	Published annual fee	Usage
Master Titanium	Mastercard	All BOI savings/current accounts	₹15,000	₹50,000	₹250 before	Domestic/international merchants; international e-commerce excluded
RuPay Sangini	RuPay	Women individual/self-operated /CD accounts	₹15,000	₹25,000	₹250 before	Domestic
RuPay PMJDY	RuPay	/PMJDY only	₹15,000	₹25,000	Concession may be free	Domestic //e-commerce; ₹1–2 lakh cover subject to transaction
RuPay Mudra	RuPay	Eligible / beneficiaries	₹15,000	₹25,000	₹250 before	Domestic
RuPay Kisan	RuPay	accounts only	₹15,000	₹25,000	₹250 before	Domestic /
RuPay Punjab Arthia	RuPay	Approved Arthias with authority code	₹15,000	₹25,000	₹250 before	Punjab food-procurement project only
Visa Classic	Visa	All BOI savings/current accounts	₹15,000	₹50,000	₹250 before	Domestic/international merchants; international e-commerce excluded
RuPay	RuPay	BOI savings/current/partnership current accounts	₹15,000	₹50,000	₹250 before	Domestic /offline wallet
Master Bingo	Mastercard	Youth aged 15–25	₹15,000	₹25,000	Not separately published	Domestic
Visa Bingo	Visa	Youth aged 15–25	₹15,000	₹50,000	₹200 before	Domestic/international merchants; international e-commerce excluded

BOI Classic Debit Cards catalogue and linked pages · Features, eligibility, transaction limits and Annexure VII · accessed 30 Aug 2026Open official source ↗

BOI RuPay PMJDY Debit Card

What the official sources publish

Benefits and features

Eligibility

Documents the bank lists

Related official documents

Try the numbers

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Complete rates, limits and schedules

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