Debit card charge
Other
₹0 (Free)
When this charge applies
Bandhan Bank Government Salary Account only; employer corporate arrangement and account eligibility remain applicable.
Official source (HTML)
Checked 2026-08-15
Bank Charge Guide · 13 banks covered · 34 checked rules
Debit card charges
- Lowest published
Lowest published, Bandhan Bank
From Bandhan Bank — Government Salary Account Everyday-Service Benefits
Verified
- Bandhan Bank
- Highest published
Highest published, Punjab National Bank
From Punjab National Bank — Non-Credit Related Service Charges
Verified
- Punjab National Bank
Compare what banks charge for a debit card — issuance, the annual fee, replacement and PIN re-issue — with the condition and official source behind each figure. Published figures run from ₹0 to ₹500 across 13 banks, before GST.
Bank’s own figures, before GST. Where a bank publishes several rates, the bar runs from its lowest to its highest — its table below says which applies to whom.Last verified
Debit card issuance fees, by bank
Bank’s own figures, before GST. Where a bank publishes several rates, the bar runs from its lowest to its highest — its table below says which applies to whom. Tap a figure for its source.
Show all 13 banks
Verified Debit card Rules by Bank34 rules · amounts, conditions, GST and sources
Amounts, trigger criteria, GST treatment, and official source links for each bank account.
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Debit card charge
Other
₹0 (Free)
When this charge applies
CSB Social Support (BSBDA) Savings Scheme only.
Official source (HTML)
Checked 2026-08-15 · Effective 2026-04-01
Debit card charge
Other
₹0 (Free)
When this charge applies
City Union Bank Basic Savings Bank Deposit (BSBD) account only. ATM card or ATM-cum-Debit card is provided on request; the current service-charge schedule says no annual fee is levied at issuance or renewal. This zero rule is not generalized to ordinary savings debit cards.
Official source (HTML)
Checked 2026-08-15 · Effective 2026-04-01
Debit card charge
Other
₹0 (Free)
When this charge applies
Federal Bank Basic Savings Bank Deposit Account (BSBDA) only.
Official source (HTML)
Checked 2026-08-15
Debit card charge
Other
₹0 (Free)
When this charge applies
IDBI Bank Basic Savings Account with Complete KYC, Scheme Code RSBA2, only. The current Schedule of Facilities dated 01-Apr-2026 lists RuPay Classic Debit Card issuance / annual fee as Free. This rule models the zero card fee only and does not generalize to Advantage or other savings variants.
Official source (PDF)
Checked 2026-08-15 · Effective 2026-04-01
Debit card charge
Other
₹499.00
When this charge applies
IndusInd Bank Indus Delite online savings account only; current Schedule of Charges effective 01-Apr-2026 lists Titanium Delights card issuance at ₹499. The schedule states charges are exclusive of taxes/GST. This rule is issuance only and does not represent the separate annual/renewal charge.
Official source (PDF)
Checked 2026-08-15 · Effective 2026-04-01
Debit card charge
Other
₹0 (Free)
When this charge applies
Kotak 811 Virtual Debit Card only.
Official source (HTML)
Checked 2026-08-15
Debit card charge
Other
₹0 (Free)
When this charge applies
PNB BSBDA ATM/ATM-cum-Debit Card only.
Official source (HTML)
Checked 2026-08-15
Debit card charge
Other
₹0 (Free)
When this charge applies
PNB BSBDA ATM/ATM-cum-Debit Card only.
Official source (HTML)
Checked 2026-08-15
Debit card charge
Other
₹500.00
When this charge applies
Punjab National Bank debit card variants Master Business; the annual charge on the card. The page prices each card variant group apart, so this figure never reaches another variant. The page states these charges exclude taxes.
Official source (HTML)
Checked 2026-09-06 · Effective 2023-06-05
Debit card charge
Other
₹250.00
When this charge applies
Punjab National Bank debit card variants Master Business; issuance of the card. The page prices each card variant group apart, so this figure never reaches another variant. The page states these charges exclude taxes.
Official source (HTML)
Checked 2026-09-06 · Effective 2023-06-05
Debit card charge
Other
₹250.00
When this charge applies
Punjab National Bank debit card variants Master Business; replacement of the card or an add-on card. The page prices each card variant group apart, so this figure never reaches another variant. The page states these charges exclude taxes.
Official source (HTML)
Checked 2026-09-06 · Effective 2023-06-05
Debit card charge
Other
₹150.00
When this charge applies
Punjab National Bank debit card variants RuPay NCMC Classic, Master Classic and VISA Classic; the annual charge on the card. The page prices each card variant group apart, so this figure never reaches another variant. The page states these charges exclude taxes.
Official source (HTML)
Checked 2026-09-06 · Effective 2023-06-05
Debit card charge
Other
₹0 (Free)
When this charge applies
Punjab National Bank debit card variants RuPay NCMC Classic, Master Classic and VISA Classic; issuance of the card. The page prices each card variant group apart, so this figure never reaches another variant. The page states these charges exclude taxes.
Official source (HTML)
Checked 2026-09-06 · Effective 2023-06-05
Debit card charge
Other
₹150.00
When this charge applies
Punjab National Bank debit card variants RuPay NCMC Classic, Master Classic and VISA Classic; replacement of the card or an add-on card. The page prices each card variant group apart, so this figure never reaches another variant. The page states these charges exclude taxes.
Official source (HTML)
Checked 2026-09-06 · Effective 2023-06-05
Debit card charge
Branch
₹50.00
When this charge applies
Punjab National Bank duplicate or regenerated debit card PIN requested through a branch. Government-sponsored schemes are exempt. Charges are exclusive of GST wherever applicable.
Possible waiver or exception
Government-sponsored schemes are exempt.
Official source (HTML)
Checked 2026-09-06
Debit card charge
ATM
₹0 (Free)
When this charge applies
Punjab National Bank duplicate or regenerated debit card PIN generated through Green PIN at an ATM. The page states this route is free, so the branch charge never reaches it.
Official source (HTML)
Checked 2026-09-06
Debit card charge
Other
₹250.00
When this charge applies
Punjab National Bank debit card variants RuPay NCMC Platinum, RuPay International, RuPay JCB Platinum, Master Platinum, Master International and VISA Gold; the annual charge on the card. The page prices each card variant group apart, so this figure never reaches another variant. The page states these charges exclude taxes.
Official source (HTML)
Checked 2026-09-06 · Effective 2023-06-05
Debit card charge
Other
₹250.00
When this charge applies
Punjab National Bank debit card variants RuPay NCMC Platinum, RuPay International, RuPay JCB Platinum, Master Platinum, Master International and VISA Gold; issuance of the card. The page prices each card variant group apart, so this figure never reaches another variant. The page states these charges exclude taxes.
Official source (HTML)
Checked 2026-09-06 · Effective 2023-06-05
Debit card charge
Other
₹250.00
When this charge applies
Punjab National Bank debit card variants RuPay NCMC Platinum, RuPay International, RuPay JCB Platinum, Master Platinum, Master International and VISA Gold; replacement of the card or an add-on card. The page prices each card variant group apart, so this figure never reaches another variant. The page states these charges exclude taxes.
Official source (HTML)
Checked 2026-09-06 · Effective 2023-06-05
Debit card charge
Other
₹750.00
When this charge applies
Punjab National Bank debit card variants VISA Signature and RuPay Select; the annual charge on the card. The page prices each card variant group apart, so this figure never reaches another variant. The page states these charges exclude taxes.
Official source (HTML)
Checked 2026-09-06 · Effective 2023-06-05
Debit card charge
Other
₹500.00
When this charge applies
Punjab National Bank debit card variants VISA Signature and RuPay Select; issuance of the card. The page prices each card variant group apart, so this figure never reaches another variant. The page states these charges exclude taxes.
Official source (HTML)
Checked 2026-09-06 · Effective 2023-06-05
Debit card charge
Other
₹500.00
When this charge applies
Punjab National Bank debit card variants VISA Signature and RuPay Select; replacement of the card or an add-on card. The page prices each card variant group apart, so this figure never reaches another variant. The page states these charges exclude taxes.
Official source (HTML)
Checked 2026-09-06 · Effective 2023-06-05
Debit card charge
Other
₹0 (Free)
When this charge applies
Punjab National Bank debit card variants RuPay Classic Kisan, RuPay PMJDY, RuPay Pungrain and RuPay Mudra; the annual charge on the card. The page prices each card variant group apart, so this figure never reaches another variant. The page states these charges exclude taxes.
Official source (HTML)
Checked 2026-09-06 · Effective 2023-06-05
Debit card charge
Other
₹0 (Free)
When this charge applies
Punjab National Bank debit card variants RuPay Classic Kisan, RuPay PMJDY, RuPay Pungrain and RuPay Mudra; issuance of the card. The page prices each card variant group apart, so this figure never reaches another variant. The page states these charges exclude taxes.
Official source (HTML)
Checked 2026-09-06 · Effective 2023-06-05
Debit card charge
Other
₹150.00
When this charge applies
Punjab National Bank debit card variants RuPay Classic Kisan, RuPay PMJDY, RuPay Pungrain and RuPay Mudra; replacement of the card or an add-on card. The page prices each card variant group apart, so this figure never reaches another variant. The page states these charges exclude taxes.
Official source (HTML)
Checked 2026-09-06 · Effective 2023-06-05
Debit card charge
Other
₹0 (Free)
When this charge applies
SBI BSBDA Branch Channel eligible customers only.
Official source (HTML)
Checked 2026-08-15
Debit card charge
Other
₹0 (Free)
When this charge applies
SBI BSBDA Branch Channel eligible customers only.
Official source (HTML)
Checked 2026-08-15
Debit card charge
Other
₹0 (Free)
When this charge applies
South Indian Bank BSBDA PMJDY Debit Card only.
Official source (HTML)
Checked 2026-08-15
Debit card charge
Other
₹0 (Free)
When this charge applies
South Indian Bank BSBDA PMJDY Debit Card only.
Official source (HTML)
Checked 2026-08-15
Debit card charge
Other
₹0 (Free)
When this charge applies
UCO PMJDY/BSBD/No-Frill Accounts only; this rule records issuance charge only.
Official source (HTML)
Checked 2026-08-15 · Effective 2025-07-01
Debit card charge
Other
₹0 (Free)
When this charge applies
Union Bank BSBDS debit card only.
Official source (HTML)
Checked 2026-08-15
Debit card charge
Other
₹0 (Free)
When this charge applies
Union Bank BSBDS debit card only.
Official source (HTML)
Checked 2026-08-15
Debit card charge
Other
₹0 (Free)
When this charge applies
YES BANK Basic Savings Bank Deposit Account (BSBDA) only. The current official BSBDA page states the Debit/ATM card is free with the account. No effective date is inferred from the separate schedule listing without using that PDF as this rule's source.
Official source (HTML)
Checked 2026-08-15
Charged wrongfully for debit card charges?RBI Statutory Refund Rights · MEDIUM REVERSAL LIKELIHOOD
RBI Guidelines on Issue and Operation of Credit/Debit Cards (Master Direction 2022): Cardholders must be provided clear upfront schedules of charges. If a card was upgraded or issued without explicit opt-in consent, charges can be fully reversed.
Covered Banks in This Guide13 banks · Official Tariff Guarantee
Punjab National Bank (19)South Indian Bank Limited (2)State Bank of India (2)Union Bank of India (2)Bandhan Bank Limited (1)City Union Bank Limited (1)CSB Bank Limited (1)Federal Bank Limited (1)IDBI Bank Limited (1)IndusInd Bank Limited (1)Kotak Mahindra Bank Limited (1)UCO Bank (1)YES BANK Limited (1)
Official Tariff Guarantee
Every figure on this page is retrieved directly from official Schedule of Charges documents and RBI circulars. No bank can pay to alter, suppress, or enhance fee ratings on SharpScroll.
Frequently Asked Questions (Debit card charges)3 questions
What is the standard charge for debit card charges across Indian banks?
Charges for debit card charges depend on the bank, account variant, channel (online vs branch), and transaction amount tier. In addition, 18% GST is added unless an official zero-rate policy applies.
Can I get a waiver or refund for debit card charges?
Cardholders must be provided clear upfront schedules of charges. If a card was upgraded or issued without explicit opt-in consent, charges can be fully reversed. Ground for reversal: Debit card was issued as an unsolicited premium upgrade without explicit consent.; Card is linked to a Salary/Corporate account that includes free debit card benefits.; Debit card has remained completely inactive/unactivated since issuance.; Annual spend waiver threshold (if applicable to the card variant) was achieved..
How do I avoid paying debit card charges altogether?
You can often reduce debit card charges by transacting online rather than at a branch, keeping the balance your account tier requires, or asking your bank which debit card variants carry no annual charge. Compare published charges before switching accounts.