Rupay Debit Card

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  1. Daily ATM Limit Rs.25,000/- (At 2.00 Lac+ ATMs under NFS Network).
  2. Daily POS Limit Rs.35,000/- (At RuPay 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.35,000/- * .
  5. Personalised / Insta-Cards (Non-personalised Cards) available.
  6. Card valid for transactions in INDIA only.
  7. Please ensure registering of your mobile number with TJSB for Debit / Credit SMS facility and online transactions through OTP.
* Conditions apply.
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.
Failed transactions
  • Customer's 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 Rs100 per day by the card issuing bank.
    ( If complaint is lodged within 30 days of the transaction).
  • For more details please log on to http://www.rbi.org.in notification DPSS.PD.No.2632 / 02.10.002 / 2010-2011
Incomplete financial transactions
  • If in case of incomplete financial transactions (either on Point of Sale Machines / Online transactions), Bank will reverse the funds into Customers account after 7 (working) days.
  • If not reversed, Customer has to submit a complaint letter to branch or mail the same to rupaycard@tjsb.co.in
  • 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 90 days.
  • The procedure is as per RBI/National Corporation of India rules.

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