Saraswat Bank is one of the examples that any bank can grow big in India. If they serve their account holders in the right way. When a new person gets to know about Saraswat Bank for the first time. It is hard for him or her to get the fact that this is a co-operate bank. That is because of the wide range of features they are offering to their customers. Today I will tell you how you can apply for a new debit card in Saraswat Bank.
In case you have lost your old card. Then you should take immediate steps to block your lost or misplaced card. It is very important to make sure that your card is not misused by anyone. If you don’t know how you can block Saraswat Bank ATM Card or Debit Card. Then follow this link to read my guide recently published on Bank With Us. You will be able to immediately block your lost card.
I will tell you how you can check out all the types of ATM cards or debit cards that are being offered by Saraswat Bank. And apply for the same which will be delivered to your postal address by the bank. While you are applying for a new debit card you should also know the amount you will be charged for that service. I have added a dedicated section in this guide which speaks about the debit card charges in Saraswat Bank.
About Saraswat Bank
| Type of Bank | Co-operative Bank |
| Founded | 14 September 1918 |
| Headquarters of the Bank | Mumbai, Maharashtra |
How to Apply for New Debit Card in Saraswat Bank?
Follow the instructions given below to apply for a new debit card.
- Open the official website of the Saraswat Bank.
- Click on the Debit Cards from the top menu of the website.
- You will be taken to a new page where you can find all the debit card offerings of Saraswat Bank.
- Choose the debit card you would like to receive.
- Download the Digital Channel Registration Form.
- Fill the form, make sure you tick debit card and mention the debit card you want to receive.
- Go to your home branch of Saraswat Bank and submit the form.
- And you are done with it, the bank will send you the debit card soon.
Types of Debit Cards Offered by Saraswat Bank
- RuPay Classic International Debit Card
- Rupal Platinium International Debit Card
- VISA Platinium International Debit Card
- VISA Classic International Debit Card
Annual Charges of Saraswat Bank Debit or ATM Cards
1st Year is free for all the types of debit cards.
| Card Type | Annual Fee |
| RuPay Classic International Debit Card | Rs. 150 + GST |
| RuPay Platinium International Debit Card | Rs. 150 + GST |
| VISA Classic International Debit Card | Rs. 150 + GST |
| VISA Platinum International Debit Card | Rs. 200 + GST |
Additional Debit Card Charges
If you request an additional card then you will be charged as mentioned below.
| Card Type | Additional Card Charges |
| RuPay Classic International Debit Card | Rs. 150 + GST per Card |
| RuPay Platinium International Debit Card | Rs. 150 + GST per Card |
| VISA Classic International Debit Card | Rs. 150 + GST per Card |
| VISA Platinum International Debit Card | Rs. 200 + GST per Card |
Charges for Replacement of Lost Debit Card
If you have lost your debit card then you have to pay the replacement charges for your new debit card as mentioned below.
| Card Type | Replacement Charges For Lost Card |
| RuPay Classic International Debit Card | Rs. 150 + GST per Card |
| RuPay Platinium International Debit Card | Rs. 150 + GST per Card |
| VISA Classic International Debit Card | Rs. 150 + GST per Card |
| VISA Platinum International Debit Card | Rs. 200 + GST per Card |
Charges for Replacement of Damaged Debit Card
In case your debit card is damaged then you will not be charged anything for the replacement. But you will have to show your damaged debit card to the bank officials. If you fail to show the damaged card then you will be charged for the replacement.
| Card Type | Replacement Charges For Damaged Card |
| RuPay Classic International Debit Card | Free |
| RuPay Platinium International Debit Card | Free |
| VISA Classic International Debit Card | Free |
| VISA Platinum International Debit Card | Free |
ATM Transaction Declined Charges
If you don’t have sufficient balance in your Saraswat Bank account. And try to withdraw more money, the transaction will be declined. In such a case you will be charged as mentioned below.
| Card Type | Transaction Declined Charges |
| RuPay Classic International Debit Card | Rs. 10 per Transaction |
| RuPay Platinium International Debit Card | Rs. 10 per Transaction |
| VISA Classic International Debit Card | Rs. 10 per Transaction |
| VISA Platinum International Debit Card | Rs. 10 per Transaction |
Daily Debit Card Limit (Cash withdrawal + Online + POS)
This is including cash withdrawal, online transactions, and POS transactions.
| Card Type | Daily Debit Card Limit |
| RuPay Classic International Debit Card | Rs. 50,000 |
| RuPay Platinium International Debit Card | Rs. 1,00,000 |
| VISA Classic International Debit Card | Rs. 50,000 |
| VISA Platinum International Debit Card | Rs. 1,00,000 |
Daily Debit Card Withdrawal Limit
| Card Type | Daily Withdrawal Limit |
| RuPay Classic International Debit Card | Rs. 25,000 |
| RuPay Platinium International Debit Card | Rs. 50,000 |
| VISA Classic International Debit Card | Rs. 25,000 |
| VISA Platinum International Debit Card | Rs. 50,000 |
These are the charges which I saw on the official website of the Saraswat Bank on 21/08/2020. These are subject to change with time. So I recommend you to confirm these with the bank by talking with one of their customer care executives.
Conclusion
While writing this guide I referred to the official website of the bank. And I found no other way described on the website other than using the Digital Channel Registration Form. And that is the reason why I have mentioned only one method in this guide.
Customer Care: