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Last Updated on: 21/03/2024


A debit card is a plastic payment card that can be used instead of cash when making purchases. Debit cards allow bank customers to spend money by drawing funds that they deposited with the card provider. It allows you to access your account from different merchants terminals throughout country and abroad. You can also use it at an ATM for withdrawal of cash and other enquiries. Customers need not carry the cash for their day to day spending as they can make payment through POS machines and E-com transactions are made easy by using cards. No charges would be levied by our Bank on such Point of Sale transactions, except merchant charges for using in Petrol Bunks and for booking railway tickets through IRCTC.

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.


Sr. No. Title View
1 Application Form Click here
2. Terms & Conditions Click here
3. Steps to Activate Ecom and International Transactions Click here
4. Service Charges for Debit Card w.e.f 06.09.2022 Click here
5. RuPay Insurance Program - FAQs for Premium Card 2023-24 - (Click here) For Latest Updates - (Click here)
6. RuPay Insurance Program - FAQs for PMJDY Card 2023-24  - (Click here) For Latest Updates - (Click here)
7. RuPay Lounge Program Click here
8. VISA Lounge Program Click here
9. National Common Mobility Card (NCMC) Click here
10. FAQs on National Common Mobility Card Click here

For More Information, Contact:


Master Card Gold - (View)

Rupay Classic NCMC - (View)

Rupay Kisan NCMC - (View)


Rupay Mudra EMV - (View)

Rupay Platinum NCMC - (View)

Rupay PMJDY NCMC - (View)


Rupay Select NCMC - (View)

Visa Classic Contactless - (View)

Visa Gold Contactless - (View)

Visa Platinum Contactless - (View)

Visa Signature Contactless - (View)