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Best Indian Overseas Bank Debit Card 2024 - 2025

Updated on May 20, 2024 , 117392 views

Indian Overseas Bank (IOB) is a major public sector bank in India. It has about 3,400 domestic branches and 6 foreign branches with a representative office. The bank has a joint venture with Apollo Munich Health Insurance to provide Personal Accident products and specialised health solutions to its customers. In this article, you will learn about Indian Overseas Bank debit cards, along with its features, benefits, withdrawal limits, etc.

Indian Overseas Bank Debit Card

Types of Debit Cards Offered By IOB

1. IOB Gold Debit Card

  • Charges for issuance of the card is Rs.200+GST
  • From the 2nd year, the card will attract an annual maintenance fee of Rs.150+GST
  • For re-issue of PIN via Green PIN, you will have to pay Rs.20. Paper PIN costs Rs.50, and PIN reset will charge Rs.10+ GST
  • For financial and non-financial transactions there are no charges

Daily Withdrawal Limit

Along with features and other benefits, it is important to know the daily transactions and withdrawal limits of the card.

The table for daily cash withdrawal is as follows:

Withdrawals Limits
ATM withdrawals Rs.30,000
POS Rs.75,000

2. IOB Platinum Debit Card

  • Charges for issuance of this card is Rs.250+GST
  • The annual maintenance fee is Rs.200+GST. This starts from the 2nd year
  • For re-issue of PIN via Green PIN, you will have to pay Rs.20. Paper PIN costs Rs.50, and PIN reset will charge Rs.10+ GST
  • For financial and non-financial transactions, there are no charges.

Daily Withdrawal Limit

As this card comes with a lot of features, it is very important to know daily transactions and withdrawal limits.

The table for daily cash withdrawal is as follows:

Withdrawals Limits
ATM withdrawals Rs.50,000
POS Rs.2,00,000

3. IOB PMJDY Debit Card

  • There are no charges for issuance of this card
  • The annual maintenance fee is Rs.100+GST
  • For re-issue of PIN via Green PIN, you will have to pay Rs.20. Paper PIN costs Rs.50, and PIN reset will charge Rs.10+ GST
  • All Basic Savings Bank Deposit Accounts(BSBDA) holders are eligible for this card

Daily Withdrawal Limit

As this card comes with a lot of features and benefits, it is very important to know transaction and withdrawal limits.

The table for daily cash withdrawal is as follows:

Withdrawals Limits
Monthly cash withdrawal Rs.10,000
Yearly POS Rs.50,000

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4. IOB Rupay Classic Debit Card

  • There are no charges for issuance on this card
  • The annual maintenance fee is Rs.150+GST
  • For re-issue of PIN via Green PIN, you will have to pay Rs.20. Paper PIN costs Rs.50, and PIN reset will charge Rs.10+ GST

Daily Withdrawal Limit

For financial and non-financial transactions, there are no charges applied on this card.

The table for daily cash withdrawal is as follows:

Withdrawals Limits
Daily withdrawal Rs. 20,000
POS Rs. 50,000

5. IOB SME Debit Card

  • Charges for issuance of the card are Rs. 150+GST
  • From 2nd year, the annual maintenance fee is Rs.100+GST
  • For re-issue of PIN via Green PIN, you will have to pay Rs.20. Paper PIN costs Rs.50, and PIN reset will charge Rs.10+ GST
  • For financial and non-financial transactions, there are no charges

Daily Withdrawal Limit

All MSME customers, who satisfy the conditions of the Indian Overseas Bank are eligible for issuance of the card.

The table for daily cash withdrawal is as follows:

Withdrawals Limits
Daily withdrawal Max.Rs.50,000(Applicable as per Credit Limit)
POS Max.Rs. 1,00,000(Applicable as per Credit Limit)

6. IOB Master Gold Card

  • Charges for issuance of the card is Rs. 100+GST
  • The annual maintenance fee is Rs.150+GST
  • For re-issue of PIN via Green PIN, you will have to pay Rs.20. Paper PIN costs Rs.50, and PIN reset will charge Rs.10+ GST
  • For financial and non-financial transactions, there are no charges

Daily Withdrawal Limit

While checking the Debit Card, ensure you know its transaction and withdrawal limits.

The table for daily cash withdrawal is as follows:

Withdrawals Limits
Daily withdrawal Rs. 20,000
POS Rs. 50,000

7. IOB Signature Debit Card

  • Charges for issuance of the card is Rs. 350+GST
  • The annual maintenance fee is Rs.750+GST
  • For re-issue of PIN via Green PIN, you will have to pay Rs.20. Paper PIN costs Rs.50, and PIN reset will charge Rs.10+ GST
  • For PoS/Ecom transactions, there are no charges

Daily Withdrawal Limit

As this card come with a lot of features and benefits, it is very important to know daily transaction and withdrawal limits.

The table for daily cash withdrawal is as follows:

Withdrawals Limits
Daily withdrawal Rs.50,000
POS Rs.2,70,000

How to Block IOB Debit Card?

If the card is lost or stolen, you have to immediately get in touch with the banking authorities to block the debit card. There are 4 ways to block your Indian Overseas bank debit card:

1. Call the IOB customer care

  • Dial 18004254445 customer care number from your registered mobile number
  • Follow the IVR instruction, then select the right number to block the ATM Card
  • The executive will ask you to provide a few details of your account
  • After verification, you will receive a confirmation message on your mobile number for requesting to block the card. Following which, the card will get blocked instantly.

2. Email to block the card

  • Send an email from your registered e-mail ID to atmcard[@]iobnet.co.in
  • Provide the account details as well as the card number in the email
  • You will receive the confirmation mail stating that successful blocking of your ATM card

3. Block IOB ATM card via internet banking

Upon activation of internet banking services for your account, you can access the Facility.

  • Enter the login credential to access your net banking account
  • Search for the IOB Cards option to manage the ATM Card
  • Next, click on the IOB Debit Card and scroll right to Suspend Debit Card
  • Select your account number for Debit card suspension and request to block the ATM Card online following the instructions
  • You will receive a confirmation message on your mobile number

4. Visit the bank branch

  • Visit the home branch or any nearest branch of Indian Overseas Bank
  • Consult the executive and request to block the damaged/lost ATM Card
  • You would require to provide the account details along with the card details

IOB Debit Card PIN Generation

Following are the steps to generate PIN for IOB debit card:

  • Visit the nearest IOB ATM centre
  • Insert the debit card in the ATM machine
  • You will receive the 6 digit OTP on your registered mobile number
  • Insert the card again and type the OTP
  • Upon verification, enter 4 digit PIN of your choice
  • Confirm the PIN by re-entering the new PIN

The moment you complete the procedure, you will receive a notification that your debit card is activated successfully with a new PIN.

IOB ATM Application Online Form

You will have to visit the home branch and submit the duly filled application to the bank. Upon completion of the procedure, you will receive the debit card.

IOB Debit Card Customer Care Number

Indian Overseas Bank has a dedicated customer care department that takes care of complaint and queries of its customers. Customers can Call on the following number 1800 425 4445.

Disclaimer:
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.
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N.Dineshkumar, posted on 18 Jun 20 11:05 AM

Good valued

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