Platinum Debit Card

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  1. Daily ATM Limit Rs.35,000/- (At 2.00 Lac+ ATMs under NFS/VISA Network)
  2. Daily POS Limit Rs.70,000/- (At VISA enabled POS and Internet Sites)
  3. SMS Alerts / 24 Hours X 365 days Call Centre for HOT Marking of Cards
  4. Card Liability Insurance upto Rs.70,000/- *
  5. Insurance cover for death due to Air Accident – Life cover upto Rs.2,00,000/- *
  6. Card valid for transactions in INDIA only **
    * Conditions apply
    ** As per RBI guidelines, from December 2013, Customer has to opt for Chip based EMV Platinum Card for making International transactions, either on POS or online. If Customer wish to have Chip based EMV Platinum Card, please submit fresh application form to any of the TJSB Branches or send scanned copy of duly filled/signed form to visacard@tjsb.co.in (Application Form is available on www.tjsbbank.co.in ) Please make sure to have Chip based EMV platinum card before proceeding for International transactions.
CHARGES HEAD Rupay Debit Card Service Charges Visa Debit Card Service Charges
Annual Fee ** Rs 100/- p.a. #
(1st year free)
Rs 100/- p.a. #
(1st year free)
Add on / Reissue of Debit Card Rs 100/- per card # Rs 100/- per card #
Duplicate Pin Rs 50/- # Rs 50/- #
Transactions at TJSB ATM Free Free
Relaxation in Annual fees Customer maintaining Yearly Average Minimum Balance above Rs 50000/- Customer maintaining Yearly Average Minimum Balance above Rs 50000/-
Other Banks ATM for Savings A/c
Financial and Non Financial Transaction
  1. First Three transactions (Financial and Non Financial)* are free per calendar month in the six metro cities viz. Mumbai, New Delhi, Kolkata, Chennai, Bengaluru, Hyderabad ( and adjoining areas viz. Navi Mumbai, Thane, Gurgaon, Noida, Ghaziabad, Faridabad, Kolkata, Howrah, North and South 24 Parganas.)
  2. Existing free limit of First Five transactions (Financial and Non-Financial)* per calendar month will be applicable to all Savings Account customer transacting in Non-Metros.
  3. Financial transaction will be charged at Rs 20/- per transaction. #
  4. Non-Financial transaction will be charged at Rs 10/- per transaction. #
  1. First Three transactions (Financial and Non Financial)* are free per calendar month in the six metro cities viz. Mumbai, New Delhi, Kolkata, Chennai, Bengaluru, Hyderabad ( and adjoining areas viz. Navi Mumbai, Thane, Gurgaon, Noida, Ghaziabad, Faridabad, Kolkata, Howrah, North and South 24 Parganas.)
  2. Existing free limit of First Five transactions (Financial and Non-Financial)* per calendar month will be applicable to all Savings Account customer transacting in Non-Metros.
  3. Financial transaction will be charged at Rs 20/- per transaction. #
  4. Non-Financial transaction will be charged at Rs 10/- per transaction. #
Other Banks ATM for Current A/c holders and Overdraft A/c holders
Financial and Non Financial Transaction All transactions are chargeable. Financial transaction will be charged at Rs 20/- per transaction inclusive of taxes. Non-Financial transaction will be charged at Rs 10/- per transaction. # All transactions are chargeable. Financial transaction will be charged at Rs 20/- per transaction inclusive of taxes. Non-Financial transaction will be charged at Rs 10/- per transaction. #
ATM Cash Withdrawal (Outside India by VISA cards only) NA Rs 125/- per transaction inclusive of taxes. #
Service Charges For International Transactions (for VISA cards only) NA 3.50% of the interchange amount. #
Transactions At Petrol Pumps 2.50% of the transaction amount or Rs 10/- whichever is higher. 2.50% of the transaction amount or Rs 10/- whichever is higher. #
Transactions at IRCTC As Applicable As Applicable
Max Rs. 10,000/- per transaction on cash withdrawal from other Banks ATM Service (limit may differ from Bank to Bank as per policy)
* Financial Transaction Cash Withdrawal
* Non Financial Transaction Balance Enquiry, Pin Change, Mini Statement, Cheque Book Request, Statement Request, Mobile No Updation, Aadhaar Card No Updation, Card to Card Funds Transfer.
** Annual fees will be charged in advance after completion of first year.
# Taxes as applicable.
  1. Failed transactions
    1. i. Customers complaint on failed transactions to be resolved by bank within 7 working days from the date of receipt of complaint, failing which customer is entitled to compensation for any delay of Rs.100 per day by the card issuing bank.
      (If complaint is lodged within 30 days of the transaction).
      ii. For more details please log on to http://www.rbi.org.in notification DPSS.PD.No.2632 / 02.10.002 / 2010-2011
  2. Incomplete financial transactions
    1. i. For incomplete financial transactions (either on Point of Sale Machines / Online transactions), Bank will reverse the funds into Customers account after 7 (working) days.
      ii. If not reversed, Customer has to submit a complaint letter to branch or mail the same to visacard@tjsb.co.in
      iii. Then Bank will raise complaint (chargeback) to the merchant’s bank and reversal or receipt of chargeback slip at Bank’s end may take upto 120 days.
      iv. The procedure is as per RBI/VISA rules.
Tips To Remember When You Receive The Card
  1. Always keep your card in a safe place, just as you would take care of cash and cheque books.
  2. Never write down your PIN (personal identification number) anywhere. Memorize it.
  3. If you receive a replacement card, be sure to destroy your old card by cutting it into four and discard the pieces.
Tips To Remember When Transacting
  1. Ensure that no one sees you enter your PIN (personal identification number).
  2. Never allow a stranger to assist you while using an Debit card.
  3. After completing your transaction, secure your card and cash immediately. Always count your cash before leaving the area and not outside it.
  4. Change your Debit card PIN frequently, at least once a month.
When Debit card is lost or misplaced what immediate steps are to be taken ?
  1. Contact TJSB IT Cell phone number on 2583 8594, inform loss of card and make request to HOT / BLOCK the card and stop the operations of the card on the network.
  2. Inform immediately the card issuing branch telephonically about the loss of card followed by written request to make the card HOT.
Can a replacement Debit card be issued in lieu of lost / damaged card ?

Yes, Replacement Debit card is issued at a nominal charge of Rs. 100/-

If lost card is subsequently found / traced and restored to cardholder, can it be reactivated ?

Yes, the cardholder should make a written request to the card-issuing branch. The branch in turn, will to IT Cell to reactivate the card.


What is Fast Cash ?

It is withdrawal of pre-specified amount. At present Rs. 1000/-, Rs. 2000/-, Rs. 3000/-, Rs. 5000/- can be withdrawn from a primary account to be designated by the customer.

What is Cash Withdrawal ?

Card holder may withdraw minimum of Rs. 100/-, maximum or Rs. 15000/- ( and in multiples of Rs. 100/-) per day subject to daily limit and availability of balance in the account.

What to do if you are getting the message "INVALID CARD" ?

There could be a track problem with the card. First, the customer should try a transaction in some other Debit card on TJSB Network, and if he is getting the same message, the card has to be replaced.

Does Bank bears any liability for unauthorised use of the card ?

No. The responsibility is solely vested with the cardholder.

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