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Debit Card e-Mandate

Get the auto-debit facility with Debit Card e-mandate and simplify your payment process. Switch today to e-mandate via Bank of Baroda and MasterCard Debit Card variants.

Service typeDigital payment serviceRecurring e-Mandate limit and feeWithout additional-factor authentication, recurring payments are permitted up to ₹5,000 or another limit notified by the Reserve Bank of India. Above ₹5,000 or the cardholder-set mandate limit, the bank sends an OTP notification at least 24 hours before the due date and processes payment only after timely approval. The reviewed product page separately states that Bank of Baroda charges no fee for the e-Mandate facility.Eligible debit cards and merchantsBank of Baroda Visa, Mastercard and RuPay debit-card holders can set recurring e-mandates on RBI-compliant merchant platforms for telecom, OTT, insurance and utility payments; the card must be valid and in good standing.
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Quick eligibility check

Debit Card e-Mandate

0 of 4 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Do you meet this requirement: Bank of Baroda Visa, Mastercard and RuPay debit-card holders can set recurring e-mandates on RBI-compliant merchant platforms for telecom, OTT, insurance and utility payments?

Published source: Eligible debit cards and merchants

2Do you meet this requirement: the card must be valid and in good standing?

Published source: Eligible debit cards and merchants

3Do you meet this requirement: Bank of Baroda debit-card holders who have registered a recurring e-Mandate at a compliant merchant platform?

Published source: Customer type

4Do you meet this requirement: the debit card must be valid and in good standing?

Published source: Customer type
0 of 4 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 30 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.

Eligible debit cards and merchantsBank of Baroda Visa, Mastercard and RuPay debit-card holders can set recurring e-mandates on RBI-compliant merchant platforms for telecom, OTT, insurance and utility payments; the card must be valid and in good standing.View source
The official overview and terms define eligible networks, recurring-use cases and merchant compliance.
Source
Debit Card e-Mandate
Page / section
Overview /
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
Recurring transaction limitsSubsequent recurring transactions up to ₹15,000 generally do not require OTP/AFA. The limit is ₹1,00,000 for mutual-fund subscriptions, insurance premiums and credit-card bill payments on supported Mastercard/RuPay variants; above the applicable limit or the cardholder-set cap, OTP/AFA or approval is required.View source
The official page publishes the standard and specified-category AFA-relaxation limits and network caveat.
Source
Debit Card e-Mandate
Page / section
Transaction Limits / Process
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
Recurring mandate typesA mandate can be fixed-value or variable-value; the customer completes one-time OTP registration and receives a pre-debit notification 24 hours before the charge, with options to opt out, modify or cancel through the issuer channel.View source
The official process describes mandate types, registration, 24-hour notification and management controls.
Source
Debit Card e-Mandate
Page / section
Process /
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
e-Mandate feeBank of Baroda states that it does not charge a fee for using the debit-card e-Mandate facility.View source
The official fees section says no fee is charged for availing the facility.
Source
Debit Card e-Mandate
Page / section
Fees & Charges
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
Recurring e-Mandate limit and feeWithout additional-factor authentication, recurring payments are permitted up to ₹5,000 or another limit notified by the Reserve Bank of India. Above ₹5,000 or the cardholder-set mandate limit, the bank sends an OTP notification at least 24 hours before the due date and processes payment only after timely approval. The reviewed product page separately states that Bank of Baroda charges no fee for the e-Mandate facility.View source
The publishes the ₹5,000 no-AFA limit, 24-hour notification and approval; the official page states no facility fee.
Source
Terms and Conditions for Recurring e-Mandates Set at Merchant Platforms
Page / section
Pages 2–3, Clauses 10–13; official page Fees & Charges
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Customer typeBank of Baroda debit-card holders who have registered a recurring e-Mandate at a compliant merchant platform; the debit card must be valid and in good standing.View source
The definitions and first four clauses limit the service to registered Bank of Baroda debit-card holders with valid cards.
Source
Terms and Conditions for Recurring e-Mandates Set at Merchant Platforms
Page / section
Pages 1–2, Definitions and Clauses 1–4
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Setup and management channelsSet up the mandate at a compliant merchant website or mobile application; delete or modify it through the merchant platform or Bank of Baroda mobile-application pre-login section, with other bank channels potentially added later. Disputes may be raised through the CRM portal, branch or call centre.View source
The specifies merchant-platform setup, mobile-app management and CRM/branch/call-centre disputes.
Source
Terms and Conditions for Recurring e-Mandates Set at Merchant Platforms
Page / section
Pages 1, 3–4, Clauses 1, 9–10 and 17
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
AvailabilityAvailable for Bank of Baroda debit cards issued in India, at merchant platforms compliant with applicable Reserve Bank of India recurring-payment rules.View source
The defines cards issued in India and requires merchant compliance with guidance.
Source
Terms and Conditions for Recurring e-Mandates Set at Merchant Platforms
Page / section
Page 1, Definitions and Clause 1
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Service typeDigital payment serviceView source
The manually reviewed product record states: “Debit Card e-Mandate”.
Source
Debit Card e-Mandate — official product page
Page / section
Published product metadata
Accessed
15 Aug 2026
Confidence
high
Open official source ↗

Eligibility

  • Bank of Baroda Visa, Mastercard and RuPay debit-card holders can set recurring e-mandates on -compliant merchant platforms for telecom, , insurance and utility payments
  • the card must be valid and in good standing.

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

Related official documents

terms and conditions in billdesk sihub issuer link bank of baroda 31 16terms-and-conditions · current · accessed 15 Aug 2026
↗

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Eligible merchant · Published detailMerchant platform must comply with applicable recurring e-mandate rules

This value is copied from Debit-card e-Mandate — limits and controls. Check the table notes before relying on it.

Source: Terms and Conditions for Recurring e-Mandates Set at Merchant Platforms · Pages 1–5 — complete review Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 10 rows · 2 columnsDebit-card e-Mandate — limits and controlsImportant recurring-payment controls transcribed from the five-page official terms PDF.View tableHide table

Scroll sideways to view every column

Debit-card e-Mandate — limits and controls
TopicPublished detail
Eligible merchantMerchant platform must comply with applicable recurring e-mandate rules
Card statusCard must be valid and in good standing; blocked or suspicious cards may be excluded
No-AFA limit₹5,000 or another -notified limit when no mandate amount is set
Higher amountAt least 24 hours before due date, bank sends /AFA notification and requires timely approval
Mandate changesDelete or modify through merchant platform or Bank of Baroda mobile-app pre-login section
Card replacementMandates do not transfer automatically to a new card number; customer must update each merchant
Failed paymentsInsufficient clear funds or missing ecosystem authorisation can cause a failed or missed payment
Duplicate paymentCardholder must avoid registering the same utility bill through multiple services
DisputesRaise through CRM portal, branch or call centre; network chargeback rules apply
JurisdictionDisputes are subject to the exclusive jurisdiction stated in the terms (Mumbai courts)
Terms and Conditions for Recurring e-Mandates Set at Merchant Platforms · Pages 1–5 — complete review · accessed 30 Aug 2026Open official source ↗

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