1

Debit Card Management System

Booklet
Version 1.0
Dt.30/09/2021
(Updated up to Dt.15/09/2021)

DIGITAL BANKING DEPARTMENT

 DEBIT CARD

Introduction

A debit card is a plastic payment card, and it is a smart and alternate way of payment
to merchant on POS, for online shopping and withdrawal of cash from any ATM. The
money will be deducted immedialty when customers perform any transaction.

Target Customer Group

Retail Segment Business Segment

Target Group
Resident/ NRI/ Person of foreign Proprietary Current Accounts in personal
Origin residing in India on names of the Proprietor.
employment and regular source Partnership (as per the operating instructions
income mentioned in the Partnership agreement)

Eligibile Customers
 Renewal of Debit Cards, excluding cases where the cases are ineligible.
 All Individual customers having Operative Accounts - Savings Bank account,
Current Account held Singly, held jointly only when the Operational Instruction
is “Either or Survivor” OR “Any one of Us”. Card may be issued to all joint
account holders.
 Debit card individuals having overdraft facility in the nature of personal loan
without specific end-user restriction.(Eligible for only domestic transactions)
 All Individual customers having Operative Accounts - Savings Bank account,
Current Account having Operational Instruction as “Former or Survivor”. In such
case Debit Card shall be issued to Former/First Account holder only.
 If Mandate for operation is other than the ones mentioned above, Debit Card
still can be issued to a joint account holder if letter of authority/Application for
issuance of Debit Card is executed by all the account holders.
 Proprietary Current Accounts in personal names of the Proprietor
 Partnership (as per the operating instructions mentioned in the partnership
agreement) and HUF Operative Accounts to KARTA with the consent of all co-
parceners.
 NRE Operative accounts, including Power of Attorney (POA) holder/ Mandatee.
 Staff Accounts
 Pension Accounts
 Self-operated Minor’s Account where age is 15 years and above, where Debit
Card with limited facility is available. In case of PMJDY age is 10 years and
above.
 Differently abled Persons, Illiterate persons, Visually challenged
 No frills / Small Accounts

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  Kisan Credit Card (KCC) Accounts
 Special Schemes of Govt / RBI / Bank
Not Eligibile Customers
 Customers where mobile number is not seeded, subject to specific exclusion
under Special Schemes.
 Company Accounts
 Trust Accounts
 Cash Credit (excluding KCC, Mudra), and Loan Accounts
 Accounts opened in the name of Club, Societies, Government and Quasi-
Government Departments
 Insolvent entities, including mentally disabled persons, firms and companies etc
 Accounts where Debit Operation is frozen by Court / Government Authorities /
Bank
 Deceased Accounts where joint account holders account holder/all/
Proprietor/Partner(s) has/have deceased.
 Undesirable Accounts or where Notice for closure of account has been served
 Renewal of Debit card shall not be done in respect of Cards where:
a) There has been no customer initiated transactions (either card present
or card not present transactions) validated through Debit Card during the last
six months of expiry date of the card
b) The customer has surrendered the card or closed account
c) When cards are hotlisted/inactive.
d) The linked accounts are closed/dormant/NPA

General Instructions:
 Multiple Cards, different variants of various Card Operators, can be issued
in any account, subject to technical/operational limitations, solely as per
customer’s choice.
 In case the customer does not exercise option, bank shall issue Classic
Rupay National Common Mobility Card (NCMC). The customer will have
option to upgrade later or choose a different variant of card.
 The ready Kit shall be activated within 24 hours or at other short interval as
per the operational procedure.
Customers must be made aware of the time lag in personalization and
delivery of the card at the Customer’s address/Branch, as per the practice
followed by the bank. SMS shall be sent to the customer informing the status
of Personalised Card/s.
 Bank shall issue new cards before the expiry of Debit Card if the customer
requests so by giving fresh application and the applicable charges will be
recovered from the customer’s account.

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  Renewal of Debit Cards shall be done for customer convenience, except for
the cases ineligible. Renewal of Debit card shall not be done in respect of
Cards where
a. There have been no customer-initiated transactions (either card
present or card not present transactions) validated through Debit
Card during the last six months of expiry date of the card
b. The customer has surrendered the card or closed account
c. When cards are hotlisted/inactive.
d. The linked accounts are closed/dormant/NPA
 Contactless Debit card shall be popularised, as this is easy to use.
 Our bank is discouraging issuing PINs, since Green PIN option has been
enabled at our ATMS for the customer to generate PIN.However, to cater to
needs of customers under different circumstances, generation of PIN is
available in Core Banking Solution.
 Since the Debit Cards are sensitive stationary, appropriate dual controls are
to be in place from the time of receipt of consignment till final disposal,
handing over to customer or destruction after defined period/expiry.
 Immediately upon receipt of the personalized Debit Cards, cards inventory
shall be maintained and a consolidated list of Account numbers where
delivery has to be made, has to be maintained in bounded register along
with relevant details and acknowledgement of the customer to be obtained.
 All Debit cards must be delivered to the customers immediately, not
exceeding 7 working days to ensure that customers are not inconvenienced
and also the risk associated with Debit Cards is minimized.
Debit Card Issuance – Important Aspects and Privacy policy
 Before initiating the process for issuance of new/replacement Debit Card
the official must ensure that the account is KYC compliant and the
customer’s address, telephone number, mobile number and e-mail address
is updated in Core Banking System and in other system (if applicable) and
verify that the mandate is as per the Operational Instruction of the Account
Holders.
 All Branches may issue new Debit Cards, replacement cards in respect of
expired/ hotlisted card to the customer in person after verifying his/her
signature and photo from Core Banking Solution.
Where photograph is not available in CBS, a copy of the Proof of Identity
contained in CBS, as entered in CBS shall be obtained to verify the
genuineness.
Where the Customer master details including address. Mobile number and
email are to be changed the customer has to approach his/her home branch
before personalized card issuance at new address can be entertained.
 Immediately upon receipt of the personalized Debit Cards, cards inventory
shall be maintained and a consolidated list of Account numbers where

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 delivery has to be made, has to be maintained in bounded register along
with relevant details and acknowledgement of the customer to be obtained.
 While making entries of cards in books/registers, PCIDSS compliance has
to be ensured by entering masked card details e.g. first six digits, masking
of next six digits and last four digits.
 PIN is required to authenticate transactions and are sensitive in nature.
Similarly, other sensitive information are card number, expiry date, CVV.
While handing over the cards, customers are to be sensitized about the
importance of these sensitive information and also not to share with anyone,
including bank officials. This will go a long way in preventing misuse of
card/s.

Debit card – Various Types

1. VISA CARD
VISA
Product Cash PoS/EComm Whom To
Name BIN Code Limit Limit Valid In Issue
International
AQB>10 Lakh
in saving or
Visa Signature Q(Metal) PoS-500000
current
(Contact less) 474298 R(Plastic) 100000 Ecom-200000 accounts
International

All SB,CD and

VISA Classic OD(Ready Kit
EMV 459845 C 15000 50000 available)
International
VISA EMV
Platinum
Only Diamond
(Contact less) 457624 E 50000 100000 A/C
International
Only CD (6
months
VISA Business satisfactory
Debit 483830 V 100000 250000 operation.)

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 2. MASTER CARD

Master
Cash POS/EComm
Product Name BIN Code Limit Limit Valid In Whom To Issue

International

Master
Titanum 517394 I 15000 50000 All SB,CD and OD

International

Master EMV
Platinum 557589 P 50000 100000 Only Diamond A/C

Domestic
Only

Master Bingo 519622 B 15000 25000 SB(Age:15-25)

Domestic
Only

Only SB(Welcome
Welcome KIT 519622 W 15000 25000 Kit available)

 As per RBI Press Release: 2021-2022/530 dt: 14/07/2021 imposed

restrictions on MasterCard Asia/Pacific Pte. Ltd. (MasterCard) from on-
boarding new domestic customers (debit, credit or prepaid) onto its card
network from July22, 2021.

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 3. RUPAY CARD

Rupay
Cash POS/EComm
Product Name BIN Code Limit Limit Valid In Whom To Issue
The card can be
issued to Individual
International
accounts older/Self-
Operatedof Savings,
Current & overdraft
Rupay Select 652500 T 50000 200000 account.
Domestic
Only
All SB,CD and
OD(Ready Kit
Rupay Classic 606998 Y 15000 50000 available)
Domestic
Only

Rupay NCMC
(Contact less) 607947 1 15000 25000 All SB,CD and OD
International

Rupay
Platinum 652165 F 50000 100000 All SB,CD and OD
Domestic
Only

Rupay Sangini 607713 U 15000 25000 All SB,CD and OD

Domestic
Only

Rupay PMJDY A/C(Gov.

JanDhan 607927 J 15000 25000 Scheme)

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 Domestic
Only

Rupay Kisaan 607002 K 15000 25000 KCC A/C

Domestic
Only

Mudra Card 607036 Z 15000 25000 Mudra Loan A/C

Domestic
Only

Rupay Punjab Arthia Code(Gov.

Arthia 607265 L 15000 25000 Scheme)
Domestic
Only

Rupay Punjab Arthia Code(Gov.

Farmer 607265 G 15000 25000 Scheme)
Domestic
Only

Ruapy Dhan KCC A/C(Gov.

Adhar 508505 H 15000 25000 Scheme)

Contactless Transactions:

 No PIN is required up to Rs.5000/- per contactless transaction.

 PIN is mandatory for all the transactions above the value of Rs.5000/- per
transaction.
 Number of contactless transactions allowed per day – Three Transactions.

Cash@PoS Transactions:

Cash withdrawal at Point of Sale (POS) terminals shall be permitted as under:

a. Rs.2000 per transaction within an overall monthly limit of Rs.10,000 across
all locations(Tier 1 to 6 centres)

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 b. Customer charges, are permissible not more than 1% of the transaction
amount. However, at present we are not levying any charges in this
regards.
 Ready Kit – Ready kit is Non-Personalized debit card means Name is not
printed on Card. At the time of opening of new accounts, Debit Card can be
issued in KYC Compliant accounts from the stock of Ready Kit, unless the
account holder insists on personalized debit card. The ready Kit shall be
activated within 24 hours or at other short interval as per the operational
procedure. All features of ready kit are same as per our Personalised
Card.Ready kit PIN is already kept in Kit. Bank Currently have Rupay and Visa
ready kits.

Card related important Menus in Finacle –

1. ADCREQ
 The ADCREQ menu is used for adding a new request for Debit Card (Both
Personalized and Non-Personalized debit cards).Presently Mastercard cards
are not issued wef 22/07/2021 in compliance with RBI guidelines.
2. ATMCRA
 The menu option ATMCRA can be used to process the following requests:-
 Request for INSTAPIN for all types of VISA/RuPay Cards
 Request Replacement Card for all types of VISA/RuPay Cards (Not
Readykit/for Welcome kit)
3. STOCK
Menu “STOCK” in finacle is to maintain inventory for ready kits distributed to
zones. Transfer, Return, Acknowledgement, Destroy, Return
acknowledgement functions are available in this menu.
4. ATMREV / POSREV /DTREV
 The Charge Back Claims arising out of failure of cash withdrawals by the way
of Debit Cards on ATMs have to be entered and verified through ATMREV
Menu option only, for POS Transaction Use POSREV Menu option in similar
line. No manual request is considered by HO. Online request is also available
at Bank website.
 The customer can lodge his claim through any of the branches of our Bank.
 The branch will verify the signature of the customer along with the others details
(Date of Transaction, Transaction Id, Amount Requested, Amount Received,
Reversal Amount etc.)

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 The Tran Date in Finacle, in case of Sunday & Other Holidays will be next
working date
Debi Card Disputed/Failed Transaction and Reversal
 If transaction fails during transaction on ATM and PoS,it will auto reverse
within 48 hours,not reverse then process to ATMREV and POSREV.
 ATM and Pos Refund claims also initiated through our Bank Website
Master Visa RuPay  Customers are getting
ATM Reversal 5 days 5 days 5 days SMS of ATM and PoS
POS Reversal 45 15 15 Reversal,in each level
acceptance,rejection
and Pre arbitration also
 Pre-arbbitration: Rejected claims disputes in first level are raised in within
15 days for Visa and RuPay ,45 day for Master of rejection of disputes in
First level

 Insurance cover is available for Fraud transactions happened in all Debit

cards.More details will be covered under Fraud insurance Booklet.
DTREV: In order to reduce dependency on mails to raise complains, Digital
Banking Department has introduced new menu-DTREV. This menu will be
used to raise disputes and track status of failed ATM/POS/UPI and IMPS
transactions.

DTREV menu includes the following functions for branches -

Feature Name Subscript Details
Data Generation A For adding the Complaints.
Verification V Verification with Maker, Checker approach.
Cancellation X Deleting the entry if entered wrongly, before
verification only.
Inquiry I For the purpose of inquiry of lodged
complaints

5. CARDSTAT
 This menu is used for finding the card number, status of the card.
6. Card Track – There is a menu in finacle for tracking the dispatched card status
Personalized Card can be track through CARDTRAK Menu in Finacle after 3
days of request verification. RTO (Return to Office) option in the “CARDTRAK”
menu to facilitate the branches to inquire the courier details of the returned
cards to branches. Branches can inquire through account no in “CARDTRAK”
menu, sub-option “RTO” to check the dispatch details.
7. DCSER-This menu is used for below activities
 Hotlisting of Cards
 Manage channel i.e ATM/POS/Ecom of Debit cards.

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  To set Limit for Debit card ATM/POS/Ecom transactions.
 Card status charge.(50-Active,43-Hotlisted,60-Temporary block)
Note:
 If the status of the card is 43 (hotlist), the user cannot change the status
of the card through DCSER menu, as hotlisted card cannot be activated
again.
 If the status of the card is anything other than 50, the CBS user cannot
change channel access configuration and channel limits through this
menu. Channel access and limits can only be modified for active cards
with card status 50.

Debit card - Facilities

BOI Star Rewardz for Debit Card

 For every Rs.100/- spent through a BOI Debit Cards on ECOM and POS, the
customer earns 1 Reward Point.
 Value of each star point Rs.0.25
 On spending up to Rs.5,000.00 -1star point for every Rs.100
 On spending over Rs. 5,001 to 10,000 - 1.50 Star point for every 100
 On spending Over Rs. 10000 - 2 star point for every 100
How to Register and redeem of Star Rewardz points –
Visit -www.boistarrewardz.com and give your card credential for linking and to
redeem star rewardz points. Customer can redeem star Points 24x7 by Visiting
website and logging into your personal BOI Star Rewardz account OR calling our toll-
free Number – 18002099299.Customer can Download the apps as BOI star Rewardz
from Google play store.
Green PIN
Green PIN” is instant PIN generation / regeneration functionality available for Debit
Card through ATM with One Time Password (OTP) sent to the customer’s mobile
number registered with bank. Using the OTP, customer can set debit card PIN through
Bank of India ATMs.Green PIN” can be generated only on Bank of India ATMs.
“Green PIN” is instant PIN generation / regeneration functionality available for Debit
Card through ATM with One Time Password (OTP) sent to the customer’s mobile
number registered with bank. Using the OTP, customer can set debit card PIN through
Bank of India ATMs.
Process for generating Green PIN (Debit Card PIN) using any Bank of India ATM
Process for generating Green PIN (Debit Card PIN) using any Bank of India ATM
Green PIN can be generated in following cases,

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 When a new debit-card is issued to the customer by Branch.
 When the customer forgets PIN and wants to regenerate PIN for his/her existing
card.
 Step 1 - Insert Debit Card at any Bank of India ATM and remove.
 Step 2 - Please select language.
 Step 3 - The following Two options will be displayed on the screen.
 “Enter PIN”
 “(Forgot / Create PIN) Green PIN”
 Select “(Forgot / Create PIN) Green PIN” option on the screen.
 Step 4 - The following Two options will be displayed on the screen.
 Generate OTP”
 “Validate OTP”
 Please select “Generate OTP” option on the screen and 6 digit OTP will be
sent to Customer’s registered mobile number.Once OTP received,
 Step 5 – Reinsert Debit card and remove.
 Step 6 – Please select language
 Step 7 – - The following Two options will be displayed on the screen.
 “Enter PIN”
 “(Forgot / Create PIN) Green PIN”
 Select “(Forgot / Create PIN) Green PIN” option on the screen.
 Step 8 –The following Two options will be displayed on the screen.
 “Generate OTP”
 “Validate OTP”
 Please select “Validate OTP” option on the screen. Enter 6 digit OTP on the
“Enter Your OTP Value” Screen and press continue.
 Step 9 – Next screen - “Please enter new PIN”
 Please enter any 4 digits of your choice to create new PIN
 Step 10 – Next screen – “Please re-enter new PIN”
 Please re-enter the new 4 digits PIN.
 Next screen- “The PIN is Changed / Created successfully.”

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Please note:
 To set/re-set the Debit Card PIN at Bank of India ATM, customer’s mobile
number must be registered with the Bank.
 “Green PIN” cannot be generated for hot listed debit cards.
 “Green PIN” shall be supported for Active, Inactive cards and cards temporarily
blocked due to 3 incorrect PIN tries. The Inactive / Temporarily blocked cards
shall be activated after successful PIN generation.
 “Green PIN” can be generated only on Bank of India ATMs.
 PIN reset can be done through Mobile banking/Internet banking
Personal Accidental Insurance

Under special scheme “Prime Minister Jan Dhan Yojana (PMJDYBIN-607927) and for
Rupay platinum (BIN-652165 Debit cards, insurance facility is provided by National
Payment Corporation of India (NPCI). Maximum cover of 2 Lakh is available in this
insurance. Our New privilege card Rupay select (BIN-652500) also has personal
accidental Insurance of 10 Lakh.

Insurance Coverage for Unauthorized transactions

Types of Fraud covered under Card Policy Insurance
 Card Holder has lost/misplaced the card and somebody got it and misused.
 Card Stolen and then misused.
 Card holder has innocently shared card details password and CVV and some
other vital details over phone or through any mode with some fraudster who
has misused these details for card not present transactions.
 Card credentials were hacked, card holder will certify that the place where card
has been used were not visited by him/her during that period and card with
him/her at that time
Steps to be followed at the Branch Level
1. Hotlist the Card immediately
2. Chargeback/Reversal Request: To be lodged within 60 days from the date of
transaction/date of loss.
 For POS/ECOM Transactions (Finacle Narration starting with MEDR) –
Upload request in Finacle menu POSREV. (Separate Guidelines shared
by Charge Back Section for disputed transactions)

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  For ATM Transactions (Finacle Narration starting with CWDR) - Upload
request in Finacle menu ATMREV. (Separate Guidelines shared by
Charge Back Section for disputed transactions)
3. Lodgment of Police Complaint/FIR BY CUSTOMER
 Bank should advise the customer to lodge a police complaint up to Rs. 99999/-
(Both for Debit/Credit Cards).
 For Amount Rs. 1 Lac and Above FIR should be lodged.
 In case of Police complaint in Regional Language Translated Copy of Police
Required.
4. Please refer to document in annexure-I regarding the procedure to lodge insurance
claim.
BOI Mobile App–> Card Services -> Debit Card Services
The following facilities are available for debit card:
1. Hotlist or Block card
2. Temporary blocking of card
3. Generate/reset pin
4. Change Pin
5. Manage limits- ATM, POS, E-Commerce, Contactless
6. Manage Channels- ATM, POS, E-Commerce, and Contactless for both
domestic and international.
IB –> Card Services -> Debit Card Services
The following facilities are available for debit card:
7. Hotlist or Block card
8. Temporary blocking of card
9. Generate/reset pin
10. Change Pin
11. Manage limits- ATM, POS, E-Commerce, Contactless
12. Manage Channels- ATM, POS, E-Commerce, and Contactless for both
domestic and international.
Enable Ecom/International Transactions in Debit cards
As per RBI guidelines all new debit cards are disable for Ecom and International
transactions functionality. To Enable the same bank has provided below various
fucntionalities.

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 BOI Mobile Banking
 BOI Internet Banking
 BOI ATM
Please follow the below steps to enable/disable the Debit card using ATM
Step 1: Insert the Debit Card in the ATM Machine and select the preferred
language
Step 2: Enter your 4-digit Debit card PIN
Step 3: Select option “Other Requests”
Step 4: Select “Card Services”
Step 5: Select option “Services Selection”
Step 6: Select the channel ATM, POS, E-com, or Contactless as per the
requirement
Step 7: Select any of the below options as per the requirement:
Option “Domestic Enable” to enable the card for Domestic
transactions and “International Enable” for enabling the International
transactions.
Option “Domestic Disable” to disable the card for Domestic
transactions and “International Disable” for disabling the
International transactions.
Option “Enable Both” to enable both Domestic and International
transactions
Option “Disable Both” to disable both Domestic and International
transactions
Step 8: Click on Submit.
 IVR Number-022 4091 9191
Please follow the below steps to enable/disable the Debit card using IVR: 022
4091 9191
1. Select 1 for English, Select 2 for Hindi and Select 3 for regional Languages
2. Select 1 for NRI and Select 2 for others
3. Select 6 for Debit card services
4. Select 1 for International ON/OFF -- Enter Card Number and PIN--
Then Select 1 for ATM, Select 2 for POS, Select 3 for Ecom and Select
4 for Contactless
5. Select 2 for Domestic ON/OFF -- Enter Card Number and PIN--Then
Select 1 for ATM, Select 2 for POS, Select 3 for Ecom and Select 4 for
Contactles.
6. Select 3 for Set Limit -- Enter Card Number and PIN---- Select 1 for
international and Select 2 for Domestic---Then Select 1 for ATM, Select
2 for POS, Select 3 for Ecom and Select 4 for Contactless --- Select 1 to
Confirm and Select to Set New Limit--- Enter New Limit
7. Select 4 to know the Card status --- Enter Card Number

 Branches through DCSER Menu

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 Hot listing of Debit Card
Card holder can hot list his/her debit card 24x7 by select any following medium:
Toll Fee No. - 1800 425 1112
Land Line: (022) 40429123 / (022)40429127 (Charges are applicable)
Manual: (044) 39113784 / (044) 71721112(Charges are applicable)
If the customer wants to hotlist all the cards linked to the account same can be done
by entering the account number.
Various Charges of Debit Card
Debit Card Charges (Excluding GST) w.e.f. 01.01.2021

Debit card Charges(Excluding GST) PIN Charges(Excluding GST)

New Green
Card Type New AMC/Replacement INSTA PIN Re PIN
Classic Free 150 Free Free 50
Platinum Free 200
Business Free 200
* Staff/ Ex staff are free in any type of
Contactless Free 200 charges in staff a/c only

Visa Signature Metal 4500 4500

Visa Signature Plastic 600 600
Rupay Select 800 800 * No Excemption for charges

Transaction Based Charges on ATM transactions as under: - (BC: 113/114

Dated: 12.09.2019 wef 01.10.2019)
Type of charge Revised Charges(Excluding GST) w.e.f 01.01.2021
a)Transactions Monthly Limit SB A/cs.: Number of Free ATM Transactions (Both
based charges financial & Non-financial transactions) Charges in Rs.
on ATM Monthly Other ATM Other ATM Our ATM
transactions in avg.Balance Metro other Metro &
SB a/cs. Centers Centers Other
Centers
Upto Rs.1.00 3 5 10
Lakh
Charges for Rs.20/- Rs.20/- Rs.10/-
Financial txns

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 Beyond the set
limit
Charges for Non Rs.8/- Rs.8/- NIL
financial rxns
beyond the set
limit

Please Note:
 SB accounts with Monthly Average Balance of Rs. 1 lac & above — No charge
to be levied.
 These charges will not be applicable to Small/No Frill Deposit Account holders.
Presently these customers will continue to get 5 free transactions, irrespective
of the centre. Charges on nonfinancial transactions will now be free on our own
ATM irrespective of number of transactions.

b) Transactions b) For Current/Overdraft account holders following

based charges charges are applicable
on ATM Charges for Other Bank Our ATM on
transactions in ATM on all all centers
CC/OD/Cda/cs.. centers
Financial transactions Rs.20/- Rs.20/-
Non-Financial transactions Rs.8/- NIL
The number of transactions should not be counted as valid ATM
transaction on account of failed transaction due to technical
reason line hardware, software, communication issues, non-
availability of currenct notes in the ATM;and other declines
ascribable directly/wholly to the bank/service provider;invalid
PIN/validations;etc

Other charges on Debit Cards –

 International transaction Charges

 For Financial Transaction - 2.5 % of transaction amount + Currency Conversion
 For Non-Financial Transaction – Rs. 25 Per transaction

Annual maintenance charges with effect from 01.01.2021

Annual maintenance charges are charged on Cards present in C_KYC_CARD Table
with DEL_FLG = “N” and status “50”(Active) or “76”(Inactive).
Script name: ATMMaint.scr

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Detailed description below:
Card Type Charges excluding GST Account
V(Visa Business Debit card) 200 PLCR531
E(Visa Paywave) 200 PLCR531
F(Rupay Platinum) 200 PLCR531
Rest except 'J' (Rupay Jan Dhan) 150 PLCR531
Q(Visa Signature Metal) 4500 PLCR531
R(Visa Signature Plastic) 600 PLCR531

Other Exclusions
SB111 (exempted) 1. SB163, and charge code 0201 , 0202, 0203.
CD209(exempted) 2. Freeze code in "D","T","C"
CD210(exempted) 3. Age is more than 60

CD212(exempted) 4. card type 'J'

CD213(exempted) 5. Accounts in which "service_chrg_Coll_flg" not

equal to "Y"
CD214(exempted)
6. If PLCR531 is not opened in any sol, charges
CD215(exempted) will go into "BKC temp account" and
CC311(exempted) remained there instead of bank's P/L. While
SB104(exempted) opening branches should make sure all have to
be opened.
SB105(exempted)
7. Scheme for free_code = D at account level
SB106(exempted)
SB182(exempted)
SB183(exempted)
SB181(exempted)
SB121(exempted)
OD261(exempted)
OD262(exempted)
SB161(exempted)

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 SB162(exempted)
SB166(exempted)
SB167(exempted)

 Charges for Card Status 50 and 76

 Not charged if Freeze code is ‘D’, ‘T’, ‘C’ or freeze code is null
 Not charged if Age is greater than 60 years
 Not charging for below scheme codes
'SB111','CD209','CD210','CD212','CD213','CD214','CD215','CC311','SB104','SB105','
SB106','SB182','SB183','SB181','SB111','SB121','OD261','OD262','SB161','SB162','
SB166','SB167','SB165'
 Charged only where SERV_CHRG_COLL_FLG = 'Y'
 Not Charged for chrg_level_code=’GURU’
 Not charged if free code=’D’
 Not charged for SB163 and charges flag is 0201, 0202,0203
Exclusions based on following circulars:
Sl. Exclusions Circular No Circular Description
No
1. SB163,SB 165 and charge HOBC Upgraded / Revised Version of salary
code 0201 , 0202, 0203. 108/199 dt account package
29-01-2015
2. SB 161,SB162 HOBC Revised Jai Jawan Salary plus account
109/41 dt scheme
12-05-2015
3. Senior citizens
4 SB167 HOBC Launch of new Savings Bank Product
107/107 dt – BOI Mahila Savings Bank Account-
13-09-2013 Scheme code – SB 167
5. SB181, SB182, SB183, HO BC BSBD Account
SB104, SB105,SB190, 111/39 dt
SB106, SB101( with 17.06.2017
chrg_level_code=’NOMIN’
and chrg_coll_flg=’N’)

Page 18 of 20
Escalation Matrix
Nature of Issue E-mail id Contact No.
Hotlisting of debit DCSER Menu/ BOI Mobile Banking App/BOI 1800 425 1112 (24*7)
card Internet Banking/IVR No:022 4091 044-39113784 (24*7)
044-71721112
(24*7)
Card not [email protected] 9833996639
activated, invalid,
not working on
POS, online, OTP
not received,
Green PIN not
generated
BOI Mobile [email protected]
banking App
related Issue
Insurance claims [email protected] 022-6131-2937
for Fraudulent
transactions
through Debit
Card
(Not for UPI and
Internet
Banking)
ATM failed [email protected] 022-6131-
transaction, [email protected] 9474(Offus)
ATMREV refund 022-6131-
issue. 9475(Onus)

POS/Ecom failed [email protected] 022-6131-

transaction 9474(Offus)
,POSREV refund 022-6131-
issue 9475(Onus)
Loyalty Reward [email protected] 1800 209 9299
points for Debit 022- 6131 2959
and Credit Card
General Queries [email protected] 022-6131-39-40
pertaining to debit
card

Page 19 of 20
Important policies and circulars
Date Circular Circular Details
Reference
Number
02.09.2009 103/098 Issuance of Instant-Pin for ATM cum Debit Card
at the Branch
08.09.2010 104/073 StarConnect Retail Internet Banking Services -
Addition of Facility Debit-cum-
ATM card Hot list/Pin Change/ Reset and
Unblock.

13.10.2010 104/083 Introduction of Bank of India's Platinum Debit-

Cum-ATM Card
03.11.2010 104/091 Introduction of BINGO Cards Specially designed
Debit Card for the Youth

28.10.2011 105/127 Launch of "BOI Star Reward Programme" for

Debit Card Holders

03.05.2013 107/022 Bank of India -Debit Cards - Master Circular

18.05.2013 107/029 Mandatory Use of Debit ATM Card by Staff

Members
01.08.2013 107/083 Pins for Personalized Debit Cards Change in
Delivery Procedure
21.10.2013 107/144 Debit Cards: Operational Changes (Automatic
Unblocking of cards)
06.03.2014 107/223 Launch of Debit Card, specially designed for
women account holders

08.07.2015 109/083 Introduction of business cards - debit & credit

12.12.2018 112/129 Service Charges Circular: Dated

w.e.f.15.01.2019
01.04.2019 113/005 CPD:CM:2019-20/02 Policy/2019-20 /02 "Debit
Card Management Policy”

09.07.2019 113/076 HO: PD:SB:2019-20: 16 Report for debit cards

returned to branch

17.04.2020 114/36 HO:CPD:CM:2020-21:313Debit Card

Management Policy — With Amendments

18.11.2020 114/184 HO:BPR:AKS:2020-21:840 Revision in Service

Charges

06.02.2021 114/245 HO:DBD:CM:2020-21:501Debit Card

Management Policy – With Amendments

Page 20 of 20
Page 21 of 20