Debit, prepaid, forex & payment services

Baroda Prepaid Card

A physical -only Baroda prepaid card with multiple reloads, RuPay acceptance, //e-commerce use, real-time activation and published reload/withdrawal fees.

Product typePhysical EMV-chip National Common Mobility Card (NCMC) prepaid/reloadable card; the official page says the reloadable card is available in physical and virtual variants.Annual / reload feeNil annual fee and nil reload fee; the official schedule notes that charges exclude GST and may change at the bank's discretion.Issuance fee₹100, excluding applicable GST.

Official product page ↗Compare category

✓ Manually checked 21 Aug 2026 · active

Offered byBank of Baroda

India; eligibility, branch and channel availability follow the official product terms

Key facts

What the official sources publish

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

Product typePhysical EMV-chip National Common Mobility Card (NCMC) prepaid/reloadable card; the official page says the reloadable card is available in physical and virtual variants.View source

The page identifies the product as Baroda Prepaid Card, describes an -chip reloadable card and states that physical and virtual variants are available.

Source: Baroda Prepaid Card — current official product page
Page / section: Title; Features; — variants
Accessed: 29 Sept 2026
Confidence: high

Open official source ↗

Issuance fee₹100, excluding applicable GST.View source

The current charges page lists Issuance fee ₹100 and states that listed charges exclude applicable taxes.

Source: Prepaid Card Charges — current official limits and fees
Page / section: Charges for issuing Prepaid Card — Issuance fee
Accessed: 29 Sept 2026
Confidence: high

Open official source ↗

Annual / reload feeNil annual fee and nil reload fee; the official schedule notes that charges exclude GST and may change at the bank's discretion.View source

The current charges page lists Annual Fee NIL; the product separately lists annual maintenance and reload fee as Nil.

Source: Prepaid Card Charges — current official limits and fees
Page / section: Charges for issuing Prepaid Card — Annual Fee
Accessed: 29 Sept 2026
Confidence: high

Open official source ↗

NetworkRuPay; the card is usable at RuPay-certified merchant establishments in India.View source

The page says the card is usable at RuPay card-accepting merchant outlets and at RuPay-certified establishments in India.

Source: Baroda Prepaid Card — current official product page
Page / section: Features and — use channels
Accessed: 29 Sept 2026
Confidence: high

Open official source ↗

Transaction and stored-value limitsCurrent charges page: ATM cash withdrawal ₹50,000/day, max ₹10,000/transaction; other-bank ATM max ₹10,000/transaction; 10 cash withdrawals/day; online POS+e-commerce ₹1,00,000/day; contactless ₹5,000/day; offline money-add ₹500/transaction, ₹2,000/day and four transactions/day; offline stored balance ₹2,000; offline purchase ₹500/transaction and 20 transactions/day.View source

The current official limits table publishes separate , online, contactless, offline money-add, stored-value and offline-purchase limits.

Source: Prepaid Card Charges — current official limits and fees
Page / section: Limits — rows 1–11
Accessed: 29 Sept 2026
Confidence: high

Open official source ↗

AvailabilityINR-only card for use in India at RuPay-certified ATMs, POS terminals and e-commerce platforms.View source

The states that the card is available in only and can be used in India only.

Source: Baroda Prepaid Card — current official product page
Page / section: — currency and use channels
Accessed: 29 Sept 2026
Confidence: high

Open official source ↗

Card typePhysical EMV-chip NCMC prepaid/reloadable card; a sealed physical welcome kit is supplied for the physical variant.View source

The physical variant page describes an -chip card and a welcome kit containing the physical card, welcome letter, mailer and terms.

Source: Baroda Prepaid Card — current official product page
Page / section: Overview; Features; — welcome kit
Accessed: 29 Sept 2026
Confidence: high

Open official source ↗

Welcome kitSealed kit containing the EMV-chip reloadable card, welcome letter, PIN mailer and terms and conditions.View source

The page lists the sealed welcome kit contents as Chip Reloadable Card, Welcome Letter, Mailer and Terms and Conditions.

Source: Baroda Prepaid Card — current official product page
Page / section: — welcome kit contents
Accessed: 29 Sept 2026
Confidence: high

Open official source ↗

Load rangeMinimum load ₹100; maximum balance permitted at any point ₹1,00,000; the product page specifies multiples of ₹1.View source

The page states a minimum amount of ₹100, a maximum amount of ₹1,00,000 and reloads in multiples of ₹1.

Source: Baroda Prepaid Card — current official product page
Page / section: Features; — minimum and maximum load
Accessed: 29 Sept 2026
Confidence: high

Open official source ↗

ValidityMaximum 36 months from issuance or until the expiry date printed on the card, whichever is earlier.View source

The page states that the card is valid for a maximum of 36 months from issuance or until the printed expiry date, whichever is earlier.

Source: Baroda Prepaid Card — current official product page
Page / section: Features; — validity duration
Accessed: 29 Sept 2026
Confidence: high

Open official source ↗

ReloadsMultiple reloads are permitted during validity; reloads are processed in real time through a Bank of Baroda branch and remain subject to the maximum balance.View source

The page says the card can be reloaded multiple times during validity and that reloads are processed in real time through a Bank of Baroda branch.

Source: Baroda Prepaid Card — current official product page
Page / section: Overview; Features; — reloads
Accessed: 29 Sept 2026
Confidence: high

Open official source ↗

ActivationAfter funds and the application form are received, the bank activates the card in real time and sends an SMS; it can then be used online, at POS and at ATMs.View source

The states that after receiving funds with the application form the bank activates the card in real time and notifies the customer by .

Source: Baroda Prepaid Card — current official product page
Page / section: — when the card is ready for use
Accessed: 29 Sept 2026
Confidence: high

Open official source ↗

KYC / AMLThe card is issued subject to RBI Know Your Customer (KYC) and Anti-Money Laundering / Combating the Financing of Terrorism (AML/CFT) requirements.View source

The features section states that the card is fully compliant with and /CFT requirements as per guidelines.

Source: Baroda Prepaid Card — current official product page
Page / section: Features — , /CFT
Accessed: 29 Sept 2026
Confidence: high

Open official source ↗

Use channelsATMs, POS terminals and e-commerce/online platforms at RuPay-certified merchant establishments in India.View source

The page says the card can be used at , and e-commerce/online platforms at RuPay-certified establishments in India.

Source: Baroda Prepaid Card — current official product page
Page / section: Features; — where can I use the card
Accessed: 29 Sept 2026
Confidence: high

Open official source ↗

Currency and geographyINR only; usable in India only.View source

The states that the Baroda Reloadable Card is available in only and can be used in India only.

Source: Baroda Prepaid Card — current official product page
Page / section: — currencies
Accessed: 29 Sept 2026
Confidence: high

Open official source ↗

ATM withdrawalOfficial sources conflict: the current NCMC charges page states ₹50,000 maximum per day, with ₹10,000 maximum per transaction and ₹10,000 maximum at another bank's ATM; the current product FAQ states ₹25,000 maximum per day and ₹10,000 per transaction. Both sources permit ATM cash withdrawal. Reconfirm the applicable limit before relying on it.View source

The reviewed charges page and product page are both current official sources but publish different daily limits; the conflict is retained for user verification.

Source: Prepaid Card — conflicting current limit statements
Page / section: Charges page — Limits rows 1–3; product page — maximum withdrawal
Accessed: 29 Sept 2026
Confidence: high

Open official source ↗

Merchant spend limitOnline POS plus e-commerce purchases up to ₹1,00,000 per day; the product FAQ also says the reloadable card can be swiped up to ₹1,00,000 per day subject to available balance.View source

The charges page lists ₹1,00,000 daily online purchase limit and the product states a ₹1,00,000 daily merchant swipe limit subject to balance.

Source: Prepaid Card Charges — current official limits and fees
Page / section: Limits — online purchase transaction limit; product — merchant swipe limit
Accessed: 29 Sept 2026
Confidence: high

Open official source ↗

Balance transferTransfer of funds from one Baroda Reloadable Card to another is not allowed.View source

The page expressly says that transfer of funds from one Reloadable Card to another is not allowed.

Source: Baroda Prepaid Card — current official product page
Page / section: Features; — card-to-card transfer
Accessed: 29 Sept 2026
Confidence: high

Open official source ↗

Alerts and self-serviceSMS alerts cover activation, reload, expiry and all transactions; the prepaid self-service portal provides balance, transaction details, card locking and PIN generation.View source

The page describes alerts and the self-service portal for balance, transaction details, generation and card controls.

Source: Baroda Prepaid Card — current official product page
Page / section: Features; — balance, alerts and portal
Accessed: 29 Sept 2026
Confidence: high

Open official source ↗

PINA unique 4-digit ATM PIN is assigned; it can be changed at Bank of Baroda ATMs. Re-generation is available through the portal or branch process.View source

The calls the a unique 4-digit secure number and describes branch and portal re-generation options.

Source: Baroda Prepaid Card — current official product page
Page / section: Features; —
Accessed: 29 Sept 2026
Confidence: high

Open official source ↗

Retail purchase eligibilityBoth Bank of Baroda account holders and non-customers may purchase the card over the counter at a Bank of Baroda branch.View source

The says that both Bank account holders and non-Bank customers can purchase the card at a branch.

Source: Baroda Prepaid Card — current official product page
Page / section: — whether a Bank of Baroda account is needed
Accessed: 29 Sept 2026
Confidence: high

Open official source ↗

Eligible accountsAll KYC-compliant operational savings and current accounts; all scheme codes are eligible. Joint-account holders may each receive a card, and corporate customers have no card-count limit if full beneficiary KYC is provided.View source

The account-eligibility table lists savings and current accounts with all scheme codes and adds the joint/corporate qualification.

Source: Baroda Prepaid Card — current official product page
Page / section: — eligible accounts
Accessed: 29 Sept 2026
Confidence: high

Open official source ↗

Mandatory issuance detailsBoth purchaser details and beneficiary details are mandatory for issuance.View source

The states that purchaser and beneficiary details are both mandatory for issuance.

Source: Baroda Prepaid Card — current official product page
Page / section: — mandatory details
Accessed: 29 Sept 2026
Confidence: high

Open official source ↗

Retail card countOne card per account for retail customers; corporate customers have no stated limit.View source

The states one card per account for retail customers and no stated limit for corporate customers.

Source: Baroda Prepaid Card — current official product page
Page / section: — cards permitted for retail/corporate customers
Accessed: 29 Sept 2026
Confidence: high

Open official source ↗

Annual maintenance and reload feeNil annual maintenance fee and nil reload fee; listed charges exclude GST and may change.View source

The charges page lists Annual Fee NIL and the product lists annual maintenance and reload fee Nil.

Source: Prepaid Card Charges — current official limits and fees
Page / section: Charges — Annual Fee; product — Annual maintenance Fee & Re-load Fee
Accessed: 29 Sept 2026
Confidence: high

Open official source ↗

Replacement fee₹100 excluding applicable GST for a lost, stolen or physically damaged card.View source

The current terms list card replacement charges of ₹100, excluding .

Source: bob World Prepaid Card — current official terms and conditions
Page / section: Schedule of Charges — Card Replacement
Accessed: 29 Sept 2026
Confidence: high

Open official source ↗

Revalidation fee₹100 excluding applicable GST for an expired card.View source

The current terms list revalidation charges of ₹100, excluding .

Source: bob World Prepaid Card — current official terms and conditions
Page / section: Schedule of Charges — Revalidation
Accessed: 29 Sept 2026
Confidence: high

Open official source ↗

ATM withdrawal fee₹20 excluding applicable GST per ATM withdrawal; the product FAQ says this also applies at Bank of Baroda ATMs.View source

The charges page lists Cash Withdrawal ₹20 excluding taxes; the product says the charge also applies at Bank of Baroda .

Source: Prepaid Card Charges — current official limits and fees
Page / section: Charges — Cash Withdrawal
Accessed: 29 Sept 2026
Confidence: high

Open official source ↗

ATM balance enquiry fee₹10 excluding applicable GST.View source

The charges page lists Balance inquiry ₹10 excluding taxes.

Source: Prepaid Card Charges — current official limits and fees
Page / section: Charges — Balance inquiry
Accessed: 29 Sept 2026
Confidence: high

Open official source ↗

Charges disclaimerPublished charges exclude GST and may change at Bank of Baroda's discretion; the latest prepaid-card schedule should be checked before use.View source

The current schedule says charges exclude applicable taxes and may change at the bank's discretion.

Source: Prepaid Card Charges — current official limits and fees
Page / section: Charges footnote
Accessed: 29 Sept 2026
Confidence: high

Open official source ↗

Lost / stolen card processImmediately call 1800 1039 586; the service-provider team hotlists the card after identity verification. Request replacement through the issuing/base branch.View source

The says to report a misplaced card immediately to 1800 1039 586 so it can be hotlisted, then request replacement through the branch.

Source: Baroda Prepaid Card — current official product page
Page / section: — lost or stolen card; replacement
Accessed: 29 Sept 2026
Confidence: high

Open official source ↗

Temporary lockThe card can be temporarily locked through the prepaid self-service portal using the registered mobile number or kit number.View source

The states that the customer can log in to bobprepaid.yappay.in and temporarily lock the card.

Source: Baroda Prepaid Card — current official product page
Page / section: — temporary lock/block
Accessed: 29 Sept 2026
Confidence: high

Open official source ↗

Transaction statementTrack all transactions through bobprepaid.yappay.in using the registered mobile number or kit number.View source

The directs customers to bobprepaid.yappay.in to track transactions.

Source: Baroda Prepaid Card — current official product page
Page / section: — viewing statements
Accessed: 29 Sept 2026
Confidence: high

Open official source ↗

Expiry and remaining balanceAn SMS is sent 45 days before expiry. The holder may use the balance, revalidate the card, or request transfer of remaining funds to the linked account after expiry under the applicable process.View source

The states that an alert is sent 45 days before expiry and explains use, revalidation and transfer of remaining funds.

Source: Baroda Prepaid Card — current official product page
Page / section: — expiry and remaining balance
Accessed: 29 Sept 2026
Confidence: high

Open official source ↗

Balance refundTo surrender for a refund, bring the balance to zero and submit the card with a surrender request at the issuing branch.View source

The describes zeroing the balance and submitting the card with a surrender request at the issuing branch.

Source: Baroda Prepaid Card — current official product page
Page / section: — refund of card balance
Accessed: 29 Sept 2026
Confidence: high

Open official source ↗

SupportPrepaid-card toll-free support: 1800 1039 586; disputes: bobsupport@yappay.in. The page also lists Bank of Baroda domestic numbers 1800 5700 and 1800 5000 and overseas number +91 79-66296009.View source

The page publishes prepaid-card support and dispute contacts and the bank's domestic/overseas support numbers.

Source: Baroda Prepaid Card — current official product page
Page / section: Need Assistance; — transaction disputes
Accessed: 29 Sept 2026
Confidence: high

Open official source ↗

Security guidanceSign the card, change or memorize the PIN and destroy the PIN mailer; never write the PIN on the card or use it at unauthorized/suspicious merchants, and use RuPay-logo electronic terminals.View source

The page lists card-signing, -protection and authorised-terminal precautions.

Source: Baroda Prepaid Card — current official product page
Page / section: Do's and Don'ts
Accessed: 29 Sept 2026
Confidence: high

Open official source ↗

Over-the-counter cashOver-the-counter cash withdrawal is not permitted.View source

The expressly says the Baroda Reloadable Card cannot be used for over-the-counter cash withdrawal.

Source: Baroda Prepaid Card — current official product page
Page / section: — cash withdrawal from Bank
Accessed: 29 Sept 2026
Confidence: high

Open official source ↗

Benefits and features

Multiple reloads
Real-time activation
//e-commerce use in India
Transaction alerts and self-service portal
Physical -chip welcome kit

Eligibility

-only and India-only
/ requirements apply
Retail: one card per account
Published charges exclude and may change

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

Documents the bank lists

Card purchaser and beneficiary details
Application form
documents where required

Try the numbers

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Use the published table

Find the exact published value

Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

TableItem

cash withdrawal — charges page · Published detail₹50,000 per day; maximum ₹10,000 per transaction; maximum 10 cash withdrawals per day

This value is copied from Baroda Prepaid Card — current fees, limits and controls. Check the table notes before relying on it.

Source: Prepaid Card Charges — current official limits and fees · Limits and Charges for issuing Prepaid Card; cross-check with product Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 21 rows · 2 columnsBaroda NCMC Prepaid Card — current fees, limits and controlsCurrent official limits-and-charges rows plus the product-page controls and qualification rules. The ATM daily-limit conflict is retained in the table.View tableHide table

Scroll sideways to view every column

Baroda NCMC Prepaid Card — current fees, limits and controls
Item	Published detail
cash withdrawal — charges page	₹50,000 per day; maximum ₹10,000 per transaction; maximum 10 cash withdrawals per day
cash withdrawal — product	₹25,000 per day; maximum ₹10,000 per transaction
Other-bank	Maximum ₹10,000 per transaction
Online + e-commerce	₹1,00,000 per day
Contactless purchase	₹5,000 per day
Offline money add	₹500 per transaction; ₹2,000 per day; four transactions per day
Offline stored balance	₹2,000 maximum at any point
Offline purchase	₹500 per transaction; 20 transactions per day
Minimum load	₹100, in multiples of ₹1
Maximum card balance / reload	₹1,00,000 at any point; balance plus reload must remain within the limit
Validity	Maximum 36 months from issuance or until printed expiry, whichever is earlier
Issuance fee	₹100 excluding
Annual maintenance and reload fee	Nil
Replacement fee	₹100 excluding
Revalidation fee	₹100 excluding
withdrawal fee	₹20 excluding ; product says this also applies at Bank of Baroda
balance enquiry	₹10 excluding
Retail card count	One card per account; corporate customers have no stated limit
Reloads	Multiple reloads during validity; real-time branch reload
Over-the-counter cash	Not permitted
Charges note	Charges exclude and may change at the bank's discretion

The product and current charges page are both official and current but conflict on the daily cash-withdrawal ceiling; users should reconfirm the applicable limit before relying on it.

Prepaid Card Charges — current official limits and fees · Limits and Charges for issuing Prepaid Card; cross-check with product · accessed 29 Sept 2026Open official source ↗

Table 2 · 8 rows · 2 columnsBaroda NCMC Prepaid Card — eligible accounts and issuance rulesEligibility and issuance rows transcribed from the current official product FAQ.View tableHide table

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Baroda NCMC Prepaid Card — eligible accounts and issuance rules
Rule	Published detail
Who may purchase	Bank of Baroda account holders and non-customers may purchase over the counter at a Bank of Baroda branch
Eligible operational accounts	-compliant savings and current accounts; all scheme codes
Joint accounts	Multiple cards may be issued, including one for each account holder
Corporate customers	No stated card-count limit, subject to full of each beneficiary/cardholder
Mandatory details	Purchaser and beneficiary details
Retail card count	One card per account
Currency and usage	only; usable in India only
Use locations	RuPay-certified , and e-commerce/online platforms

The bank may require additional or branch documents at issuance.

Baroda Prepaid Card — current official product page · — eligibility, accounts, mandatory details and usage · accessed 29 Sept 2026Open official source ↗

Table 3 · 11 rows · 2 columnsBaroda NCMC Prepaid Card — controls, expiry and supportOperational controls and customer-protection rows from the current official product page and terms.View tableHide table

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Baroda NCMC Prepaid Card — controls, expiry and support
Topic	Published detail
Activation	Real-time activation after funds and application form are received; notification follows
	Unique 4-digit ; change at ; portal or branch re-generation
Temporary lock	Available through bobprepaid.yappay.in using registered mobile number or kit number
Lost/stolen card	Call 1800 1039 586 immediately; card is hotlisted after identity verification; replacement through issuing branch
Statements	View transaction history through bobprepaid.yappay.in
Expiry alert	45 days before expiry
Balance after expiry	Use funds, revalidate or request transfer to linked account under applicable process
Surrender/refund	Bring balance to zero and submit the card with surrender request at issuing branch
Interest	No interest is paid on the prepaid-instrument balance
Terms changes	Bank may amend terms and aims to give 30 days' prior notice
Support	1800 1039 586; bobsupport@yappay.in; bank domestic 1800 5700 / 1800 5000; overseas +91 79-66296009

The current terms say fees are governed by the bank's schedule and that the latest schedule should be checked.

bob World Prepaid Card — current official terms and conditions · Definitions; Customer obligations; expiry; schedule; contact centre · accessed 29 Sept 2026Open official source ↗

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What the official sources publish

Benefits and features

Eligibility

Documents the bank lists

Related official documents

Try the numbers

Find the exact published value

Complete rates, limits and schedules

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