BOB LITE Debit Card charge

[harshn]

Anyone knowing or having "BOB LITE" account pls confirm 🙏🏻🙏🏻 :
1. ISSUANCE (first time) CHARGES for debit card of BOB LITE account r being deducted or not ?
2. If yes , when deducted , just after opening account or after debit card received at address or when activated and debit card using ATM ?
3. Also If maintained QAB : 3000 , were ISSUANCE CHARGES still deducted ?

Pls consider & tell abt ISSUANCE CHARGES and not Annual Maintainence charges

4. In BOB LITE any variant virtual debit card cannot be generated ?
5. In BOB LITE , can we get any ither debit card with less fees like Rypay Classic ?
6.Does BOB offer UPI pin set without debit card option or not ?
7. How likely that in future it will offer setting UPI PIN via aadhaar ? (As all banks r already offering using Aadhaar)

 

[doraemon]

Can I open zero balance account in SBI and get virtual card aswell? Or do I need to get physical card with fees?

Basically I just want these accounts for debit offers on online shopping.

I use HDFC as my primary

All sbi accounts are zero balance with no sms and no non mab charges
Open one for yourself through yono vkyc
And u can generate a virtual dc through the app itself
No need to visit branch

 

[harshn]

@doraemon
HDFC me online opening se freeze ka khatra toh nhi hai ?
Without IP cheque branch vale open kr sakte hain IMPS / NEFT se ? Apne bhi savings Max abhi open kiya tha IP cheque li thi ya nhi ?

 

[doraemon]

@doraemon
HDFC me online opening se freeze ka khatra toh nhi hai ?
Without IP cheque branch vale open kr sakte hain IMPS / NEFT se ? Apne bhi savings Max abhi open kiya tha IP cheque li thi ya nhi ?

Maine digisave online khola tha
Pehle account khula fir upi se IF
Branch Wale cheque se kholte h
Better open online it's fast and easy
Bonus tip
Open through payzapp app and u will get 250 Amazon voucher after 90 days

 

[harshn]

Can I open zero balance account in SBI and get virtual card aswell? Or do I need to get physical card with fees?

Basically I just want these accounts for debit offers on online shopping.

I use HDFC as my primary

SBI is Zero balance account , no charges at all, but i m unsure of its successful generation of virtual card , 5 yrs back i tried to generate virtual card but that was not happening , but since then yono app improved a lot , maybe now possible , watch YouTube video for confirmation.

 

[harshn]

Maine digisave online khola tha
Pehle account khula fir upi se IF
Branch Wale cheque se kholte h
Better open online it's fast and easy
Bonus tip
Open through payzapp app and u will get 250 Amazon voucher after 90 days

So apne savings Max through branch nhi khola tha ?
I remember ur "garib si branch" vala thread.

 

[praful47]

I want to open BOB Lite Account. But i have some questions.

Can i open it online with the number that isn't linked to aadhar?
if the answer is no, can i open it offline?
Can i get Virtual Rupay Platinum Card?
If yes, will there charges for only having Virtual card and not physical card even if 3k balance not maintained?

@doraemon help sir

Aadhar linked phone number is required, whether you open online or offline account.

 

[doraemon]

So apne savings Max through branch nhi khola tha ?
I remember ur "garib si branch" vala thread.

that was shinchan's thread
i opened savings max of my family member at my home

 

[harshn]

that was shinchan's thread
i opened savings max of my family member at my home

They took cheque or not?

 

[doraemon]

They took cheque or not?

yea they took 25k cheque

 

[SureShot]

I have opened BoB Lite Savings Account yesterday after doing VKYC. The account got created and I am able to access mobile & netbanking as well.
I am able to generate a virtual rupay debit card in the app and its even visible with CVV now. My questions are

1. Will I able to get a physical card since I didn't opt for it during application process? It is showing error in both the app & netbanking when I try to apply.
2. If yes, will I get a different one than virtual card or will I be getting the same VDC printed in physical card as well?
3. Can I use the both the cards simultaneously with the same account if i get both? And see the both the cards in the app?

Please let me know if someone has gone through as mine, thanks.

 

[rahulsrk]

I have opened BoB Lite Savings Account yesterday after doing VKYC. The account got created and I am able to access mobile & netbanking as well.
I am able to generate a virtual rupay debit card in the app and its even visible with CVV now. My questions are

1. Will I able to get a physical card since I didn't opt for it during application process? It is showing error in both the app & netbanking when I try to apply.
2. If yes, will I get a different one than virtual card or will I be getting the same VDC printed in physical card as well?
3. Can I use the both the cards simultaneously with the same account if i get both? And see the both the cards in the app?

Please let me know if someone has gone through as mine, thanks.

Answers
1. Yes you will get separate Rupay Platinum Di debit card (if you maintain Quarterly Average Balance of 3K then Debit card will be free (No annual fees for debit card)

2. Yes Physical debit card will be different from VDC. bin will be same numbers will be different (So VDC is also a Rupay Platinum debit card)

3. Yes you can use both the Physical and VDC simultaneously and you can see both the cards in Bob app (You can manage both the card in BOB app)

 

[ZoomZumba420]

1 no charge
2 read ans 1
3 read ans 2


4 available rupay platinum virtual
5 why u need ?
take rupay plat
6 no
7 ask bob

Here's a little bit trickier situation.

I opened my account on 17th December, 2024 offline via branch. Did not maintain QAB. Only kept Rs. 1/- (Lol!).

Then I applied for debit card on 22nd January, 2025 again via branch.

After that I set up UPI, netbanking and all on 31st January (I got my hands on the physical rupay platinum debit card that day).

And I am currently maintaining above 20000/- since 1st February.

Any idea if I would accrue any issuance charges or amc this year? I think I may keep this physical card for a while.

@doraemon @rahulsrk @praful47

 

[praful47]

Here's a little bit trickier situation.

I opened my account on 17th December, 2024 offline via branch. Did not maintain QAB. Only kept Rs. 1/- (Lol!).

Then I applied for debit card on 22nd January, 2025 again via branch.

After that I set up UPI, netbanking and all on 31st January (I got my hands on the physical rupay platinum debit card that day).

And I am currently maintaining above 20000/- since 1st February.

Any idea if I would accrue any issuance charges or amc this year? I think I may keep this physical card for a while.

@doraemon @rahulsrk @praful47

Issuance charge will not be charged but for annual charge .... I don't know from when they will count QAB .
Your account is under which city urban or metro ?

 

[ZoomZumba420]

Issuance charge will not be charged but for annual charge .... I don't know from when they will count QAB .
Your account is under which city urban or metro ?

It's not metro for sure. It's probably semi urban.

 

[CreditCardFino]

If I maintain min balance will it be fee debit card, any card issuance fee?

 

[MrWick]

If I maintain min balance will it be fee debit card, any card issuance fee?

No fees .

 

[the_collector]

Hey guys, so I currently hold both the physical and virtual dc with my lite account.

The question I have is , can I only hold the vdc and not the physical card?

And in case I can, I do not have to maintain the 3k amb with only the vdc right? It will not attract any annual maintenance charges?

I think only 1 vdc is good and I don't really need the physical one( unless I'm missing something?)

 

[praful47]

Hey guys, so I currently hold both the physical and virtual dc with my lite account.

The question I have is , can I only hold the vdc and not the physical card?

And in case I can, I do not have to maintain the 3k amb with only the vdc right? It will not attract any annual maintenance charges?

I think only 1 vdc is good and I don't really need the physical one( unless I'm missing something?)

No charges and no AMB for lite account virtual debit card

 

[CreditCardFino]

Hey guys, so I currently hold both the physical and virtual dc with my lite account.

The question I have is , can I only hold the vdc and not the physical card?

And in case I can, I do not have to maintain the 3k amb with only the vdc right? It will not attract any annual maintenance charges?

I think only 1 vdc is good and I don't really need the physical one( unless I'm missing something?)

I guess no you get VDC only if you hold DC. Even I thought the same but customer care said not possible.

 

[the_collector]

No charges and no AMB for lite account virtual debit card

Thanks but can I only hold the vdc without the physical debit card? Like with sbi