The document provides information about debit and credit cards from various banks such as UCO Bank, Dena Bank, and Bank of Baroda. It discusses the history and features of debit and credit cards. For each bank, it outlines the types of debit and credit cards offered, eligibility requirements, transaction limits, fees and charges. UCO Bank offers classic, gold, platinum and signature debit cards. Dena Bank offers ATM cards, insta cards, debit cards, EMV chip cards, and RuPay KCC cards for farmers. Bank of Baroda offers silver, gold and platinum credit cards with varying revolving credit limits and cash withdrawal limits.

1. CEC on
CREDIT and DEBIT CARDS
Group Members:
Aesha Shah
Darshak Parekh
Khyati Rathod
Simab Kokaniwala
Ruturajsingh Ghadvi
Saddamhussain Mansuri

2. INTRODUCTION
 What is a Debit Card?
 An electronic card issued by a bank which allows bank
clients access to their account to withdraw cash or pay
for goods and services.
 This removes the need for bank clients to go to the
bank to remove cash from their account as they can
now just go to an ATM or pay electronically at
merchant locations.
 This type of card, as a form of payment, also removes
the need for checks as the debit card immediately
transfers money.

3.  What is a Credit Card?
 A card issued by a financial company giving the
holder an option to borrow funds, usually at
point of sale.
 Credit cards allow the consumers a continuing
balance of debt, subject to interest being
charged.
 Interest usually begins one month after a
purchase is made and borrowing limits are pre-
set according to the individual's credit rating.

4. History of Credit Cards
 The use of credit cards originated in the United States
during the 1920s, when individual firms, such as oil
companies and hotel chains, began issuing them to
customers.
 Early credit cards involved sales directly between the
merchant offering the credit and credit card.
 Merchants could deposit sales slips into the bank and
the bank billed the customer who used the card.
 The inventor of the first bank issued credit card was
John Biggins of the Flatbush National Bank of
Brooklyn in New York.

5. History of Debit Cards
 The first debit card may have hit the market as early as
1966. The Bank of Delaware piloted the card.
 By the '70s, several other banks were trying out similar
ideas.
 Debit card usage picked up in the '80s and '90s as more
and more ATMs started cropping up across the
country.
 In 1990, debit cards were used in about 300 million
transactions.

6. Procedure to apply for a card
 Choose the card that you wish to apply.
 A duly completed application form along with a
photograph has to be submitted.
 You have to provide the identification documentations
for proof and verification.
 The company would verify the details given by you.
 If all the details after verification are found in order, the
company would send the card in 3 to 4 weeks starting
from the day the application has been sent.

7. Cont..
 It would issue the card and send it by courier to the
mentioned correspondence address. The courier has
strict instructions to hand over the card only to the
applicant of the card.

8. Banks
 UCO bank
 Dena bank
 Bank Of Baroda
 State Bank Of India

9. UCO BANK

10. UCO
 'Freedom from Cash' simply epitomizes all that UCO Bank
VISA Debit Card stands for.
 Use your card for shopping at over 5 lakh outlets in India, and
over 30 million worldwide
 Use your card securely for purchases and payments over the
internet using Verified by Visa

11.  Daily limits:
 UCO Visa Gold/Platinum/Signature Card offers you higher
daily limits on cash withdrawals and purchases and acceptance at
more than 30 million locations worldwide and over one million
ATMs in the Visa Global ATM Network.
 To serve your enhanced lifestyle, we offer you a cash withdrawal
limit and purchase limit as mentioned below. You can pay for
purchases directly either at shopping locations or online.

12. Types of cards
TYPE OF CARD
Withdrawal
Limit
POS/e-
commerce
Total Per Day
Limit
Classic (visa) Rs. 25,000 Rs. 25,000 Rs. 50,000
Gold (visa) Rs. 50,000 Rs. 50,000 Rs. 50,000
Platinum (visa) Rs. 50,000 Rs. 1,00,000 Rs. 1,00,000
Signature (visa) Rs. 50,000 Rs. 2,00,000 Rs. 2,00,000
Classic (RuPay) Rs. 25,000 Rs. 25,000 Rs. 50,000
EMV (visa) Rs. 25,000 Rs. 25,000 Rs. 50,000
KCC (RuPay) Rs. 25,000 Rs. 25,000 Rs. 50,000

13.  While traveling internationally, the cash withdrawal limit and
purchase limit is equivalent to INR value.
 International Usage:
 You can use your UCO Visa Debit Card whenever you travel
abroad. You can pay directly for your purchases or withdraw cash
at international ATMs. Your debit card is accepted at millions of
shopping locations and ATMs across the world.

14.  Offers and Benefits:
 UCO Visa Debit Cards comes with a host of offers and benefits
on dining, shopping and more.
 Online Usage:
 UCO Visa Debit Card can be used online to pay bills, booking
movie tickets or train tickets, planning your travel packages,
online shopping etc. It is easy, convenient and safe to use your
UCO Visa Debit Card online with Verified by Visa.

15. Debit cards:
 Dena Bank Debit cum ATM Card offers you an easy and
convenient way to do all your transactions and that too within a
fraction of seconds.
 more than 1421* ATMs all across India
 24 ATMs with biometric based identification features in the state
of Gujarat

16. Dena Bank offers the following
types of cards:
 Dena ATM Card
 Dena Insta Card (Un-named Debit Card)
 Dena Debit cum ATM Card (Named Debit Card)
 Dena EMV Chip Debit cum ATM Card (Named
Debit Card)
 Dena EMV Chip International Gold Debit Card
 Dena RuPay KCC Debit cum ATM card for DKCC
holder

17. 2. Dena Insta Card (Un-named
Debit Card)
 Used on Dena Bank & member Bank’s ATMs and POS
Terminals in India and abroad
 Issued at the counter along with the PIN
 Also called as Un-named card
 Card verification value (CVV2) enabled cards
 Used for purchase of goods on internet including e-
ticketing.

18. 3. Dena Debit cum ATM Card
(Named Card)
 Used on Dena Bank & member Bank’s ATMs and POS
Terminals in India and abroad
 Name of the customer is embossed on the Debit card
 Card verification value (CVV2) enabled cards

19. 4. Dena EMV Chip Debit cum
ATM Card (Named Card)
 Used on Dena Bank & member Bank’s ATMs and POS
Terminals in India and abroad
 Name of the customer is embossed on the Debit card
 Card verification value (CVV2) enabled cards
 EMV chip

20. 5. Dena EMV Chip International
Gold Debit Card
 Offers higher cash withdrawal limit on ATM and higher
transactions limit on POS terminals
 And all above mentioned features

21. 6.Dena RuPay KCC Debit cum
ATM card for DKCC holder
 Issuing For DKCC Holders
 Tie Up Arrangements With Collateral Management
Agencies Like National Bulk Handling Corporation
Limited (Nbhc), Star Agri Etc. For Financing To
Farmers Against Pledge Of Warehouse Receipt Issued
By The Collateral Management Agencies.

22. Cont..
 Tie Up Arrangement With M/S International Tractors
Ltd. (ITL) For Channel Financing To Tractor Dealers
 Tie-up Arrangement With Various Tractor
Manufacturing Companies For Retail Financing Of
Tractors(cash Discounts / Extended Warranty Periods
To The Farmers).

23. Customer can perform following
types of transactions:-
1. Cash withdrawal
2. Balance Enquiry
3. Mini statement
4. Fund Transfer
5. Prepaid Mobile Recharge

24. Withdrawal limits
no Type of Card Cash Withdrawal
Purchase at
Merchant
Establishments
Fund Transfer
1 Dena ATM Card
Up to Rs. 20,000/-
per day
Not Applicable
Up to Rs. 1,00,000/-
per day
2 Dena Insta Card
Up to Rs. 20,000/-
per day
Up to Rs. 25000/-
per day
Up to Rs. 1,00,000/-
per day
3 and 4
Dena Debit cum ATM Card &
Dena EMV Chip Debit cum
ATM Card
Up to Rs. 20,000/-
per day
Up to Rs. 25000/-
per day
Up to Rs. 1,00,000/-
per day
5
Dena EMV Chip International
Gold Debit Card
Up to Rs. 50,000/-
per day
Up to Rs. 1,50,000/-
per day
Up to Rs. 1,00,000/-
per day
6
Dena RuPay KCC Debit cum
ATM Card for DKCC holder
Up to Rs. 5,000/-
per day
Up to Rs. 1,000/-
per day
Up to Rs. 1,00,000/-
per day

25. Dena Credit Card Service
 The Bank has entered into arrangement for Co-branded
Credit Cards with SBI Cards so as to make available
better features and facilities to the customers

26. Co branded Dena-SBI Cards
Fees & Charges
Joining Fee (one time) NIL
Annual Fee(p.a.)+ Upto Rs. 250
Addon Fee(p.a.) Upto Rs 100
Cash Advance Limit Upto 80% of Credit Limit ( Max. 12K / day
& 15K / day for Gold & Platinum Cards )
SBI ATMs /Other Domestic ATMs 2.5% of withdrawal amount or 300/- (WIH)
per transaction
International ATMs 3% of withdrawal amount or 300/- (WIH)
per transaction
Overlimit 2.5% of Overlimit Amount (Min. Rs. 500)

27. Bank Of Baroda

28. BOB Silver Card
 DESCRIPTION
This card is affiliated with Visa international and accepted worldwide.
 ELIGIBILITY
Individual : Annual income of Rs. 1,50,000.
 FEATURES
· Revolving credit : Rs. 25,000
. Cash withdrawal: cash limit will be 20% of the sanctioned credit limit.
. Service charge on revolving credit limit : 2.5% (i.e. 30% APR)
· Service charge on Cash withdrawal : 2.5% or Rs. 100 whichever is higher
· Service Charge on ATM Cash withdrawal : 2.5% or min. Rs.100(Domestic),
3% or min. Rs.150(Abroad).
. Insurance: Free personal accidental insurance of Rs.1,00,000. In case of air-
accident - Rs.5,00,000.

29.  BILLING
1st
of every month, a bill will be sent to the cardholder
at his/her given address for making payments on or
before the due date mentioned in the bill.

30. BOB Gold Mastercard
 DESCRIPTION
BOBCARD Gold is affiliated with MasterCard International & valid
throughout the world. It is globally accepted over 70 million locations and
more than 1 million ATMs worldwide.
 BOBCARD presents these premium cards to offer its gratitude to the High
Net worth Individuals. Exclusively designed, these cards are packed with
great features and benefits.
 You can withdraw cash up to 20% of credit limit from ATM's.

31.  ELIGIBILITY
Individual : Annual income of Rs. 2,50,000 or more.
 FEATURES
· Revolving credit : Rs. 50,000
. Cash withdrawal: 20% of credit limit.

32. BOB Platinum Card
 BOBCARD Platinum is affiliated with MasterCard International & valid
throughout the world. It is globally accepted over 70 million locations and
more than 1 million ATMs worldwide. BOBCARD presents these premium
cards to offer its gratitude to the High Net worth Individuals.
 You can withdraw cash up to 30% of credit limit from ATM's.
 ELIGIBILITY
Individual : Annual income of Rs. 5,00,000 & above.
 FEATURES
Revolving credit : Rs. 1,00,000
 Cash withdrawal: 30% of credit limit.

33. BOB CORPORATE
GLOBAL
 DESCRIPTION
This credit card is affiliated with Visa International & valid throughout the
world on over 70 million establishments & more than 1 million ATMs. It can
only be applied by a corporate.
 ELIGIBILITY
Individual : Not applicable.
Company : Turnover of Rs.1 Crore or more.
Paid-up Capital: Rs.10 Lacs
Minimum Net worth Rs.30 Lacs
 FEATURES
· Revolving credit : up to Rs.3,00,000

34. BOBCARD EXCLUSIVE
 DESCRIPTION
This card is welcomed at over 70 million Merchant Establishments and more
than 1 million ATMs worldwide. This card is affiliated with MasterCard
International and is very popular amongst the Bob cards holder.
 ELIGIBILITY
Individual : Annual income of Rs. 2,00,000 or more.
 FEATURES
· Revolving credit : Rs. 40,000

35. BOBCARD EXCLUSIVE
WOMAN DESCRIPTION
BOBCARD Exclusive Woman Card is a tribute to the glorious women of
India who are acclaimed for their contributions to the human civilization.
BOBCARDS presents this Card to offer its gratitude to the great women
souls of the land.
This card is welcomed at over 70 million Merchant Establishments and more
than 1 million ATMs worldwide. This card is affiliated with MasterCard
International and is very popular amongst the Bobcards holder.
 ELIGIBILITY
Individual : Annual income of Rs. 2,00,000 or more.
 FEATURES
· Revolving credit : Rs. 40,000

36. BOBCARD PLATINUM
VISA
 DESCRIPTION
BOBCARD Platinum Visa is affiliated with Visa International & valid
throughout the world. It is globally accepted over 70 million locations and
more than 1 million ATMs worldwide. BOBCARD presents these premium
cards to offer its gratitude to the High Net worth Individuals. Exclusively
designed, these cards are packed with great features and benefits. you can
withdraw cash up to 20% of credit limit from ATM's.
 ELIGIBILITY
Individual : Annual income of Rs. 3,00,000 or more.
 FEATURES
· Revolving credit : Rs. 75,000

37. BOBCARD SIGNATURE
 DESCRIPTION
BOBCARD Signature is affiliated with VISA International
& valid throughout the world. It is globally accepted .
 Not to mention the extra benefit of insurance it offers
-Accidental Insurance and Baggage Insurance. you can
withdraw cash up to 30% of credit limit from our area
offices/ BOB/ATM's.
 ELIGIBILITY
Individual : Annual income of Rs. 12,00,000 & above.
 FEATURES
Revolving credit : Rs. 5,00,000
Cash withdrawal: 30% of credit limit

38. Baroda Visa Electron
 Key features:
Offering ease of shopping with spend limits of Rs. 50,000/- per day
Allow cash withdrawal through ATMs for your immediate needs of Rs.
25,000/- per day
Secured with signature verification
A most acceptable shopping option
 Eligibility:
Baroda Electron is required and available to our customers who are eligible
to operate their account individually.

39. Baroda Maestro
 Key features of Baroda Maestro debit card:
Most secured debit card usable along with PIN
No threat of card misuse when lost/stolen
Offering ease of shopping with spend limits of Rs. 50,000/- per day
Allow cash withdrawal through ATMs for your immediate needs of Rs.
25,000/- per day
 Eligibility:
We offer Baroda Maestro Debit Card to all our customers who wish to have
more secured card and are eligible for debit card issuance.

40. Baroda Master Card
‘Combi’ Gold
 Key features
Offering ease of shopping with spend limits of Rs. 1,00,000/- per day.
Allow cash withdrawal through ATMs for your immediate needs of Rs.
50,000/- per day.
Being a ‘Combi’ card, it would be accepted at regular signature based POS as
well as more secured PIN based POS terminals. A cherished flexibility for our
premium customers.
 Eligibility:
Being a premium card, we offer this to:
Salaried persons, Businessmen, Professionals, Proprietor and partners of
Partnership firms with an earning of minimum Rs.3,00,000/- per year, and/or
Non resident A/c holders, and/or
Current Account holders with average monthly balance of Rs.50,000/- or
more for past twelve months.

41. Baroda Visa Platinum
 key features
Segmented offering with higher limits on POS is Rs.2,00,000/- per day
Superior spending power with ATM withdrawal limit of Rs.1,00,000/- per
day. Visa concierge service for providing personalized customer care.
24/7 Global customer assistance service provided by VISA
 Lost/stolen card reporting
 Emergency card replacement
 Emergency cash disbursement
 Travel assistance
 Various reward/promotional offers made available by Visa (in and outside the
country)

42.  Eligibility:
 Salaried persons, Businessmen, Professionals, Proprietor and partners of
Partnership firms with an earning of minimum Rs. 5,00,000/- per year, and/or
 Non resident A/c holders, whose accounts are active, with a minimum
turnover of Rs. 4,00,000 an year, or who holds Fixed deposit with our Bank
to the tune of Rs. 4,00,000 or above, and/or
 Super Saving Account holders, and/or
 Premium Current Account Holder.

43. RuPay Debit Card
 Key features of RuPay Debit Card:
It can be used only with PIN hence a more secured debit card.
No threat of card misuse when lost/stolen.
Card would be accepted only at secured PIN based POS terminals.
Cash withdrawal limit at ATMs is Rs 25,000/- per day.
Spend limit at merchant outlets (POS) is Rs 50,000/- per day.
Available to all customers eligible for debit card issuance.

44. SBI

45. SBI DEBIT CARDS
 SBI Silver Debit card
 SBI Classic Debit card
 SBI Gold Card
 SBI Platinum Card
 SBI Virtual Debit Card

47. Features:
 SBI Silver Debit Card is international debit card for global use.
SBI Classic Debit Card is for use in India. If you need
international use you may prefer Silver Debit Card. Otherwise
Classic debit card will be sufficient.
 You can draw cash at ATMs, dine, shop and travel using the
Gold Debit.
 For shopping at over 5 lakh merchant outlets in India.
 For booking movie tickets, bill payments, travel and other online
purchases and payments over the internet using secureMaster
Secure Code/Verified by Visa
 For withdrawing cash from State Bank Group ATMs or other
ATMs in India

48. SBI CREDIT CARDS
 SBI Gold and more advantage card
 IRCTC SBI platinum card
 Yatra SBI card
 Spice jet SBI card
 Air India Platinum Card
 Platinum card
 Signature credit card

50. Features:
 World wide acceptance
 Credit facility
 Addon cards
 0% fuel surcharge
 Cash on go
 Booking railway tickets online
 Utility bill payment facility
 Security
 Balance transfer
 E-statemnets

51.  Card alerts
 Flexy pay
 SBI card online, air india card online
 Emergency card replacement ( for platinum
cards, Air India SBI card)
 Teledraft facilty (easy money darft)
 Global card

52.  Taking care of your card:
 Your card is very important and must be kept safely.
 The card must not be kept near a TV.
 Store your Card in secure place where you will immediately
know if it is missing.
 Store the ATM-cum-Debit Card carefully so that the magnetic
stripe does not get damaged.
 Never leave your Card unattended, e.g. in your car, in a hotel
room or at work.
 Avoid scratching the magnetic strip.
 Do not place two Cards with the magnetic strips together.
 Do not bend the Card.
 Keep your card away from heat and direct sunlight.

53. Comparision
Credit Card Debit Card
Where money comes
from
Borrowing money from a
bank or financial
institution. (Spending
"other's" money)
Funds taken from the money
that you have in your bank
account. (Spending your
"own" money)
Can be used as
Credit card only Debit or credit card i.e., a
debit card may be used
without a PIN for certain
types of transactions such as
e-commerce.
Line of Credit
Carries Line of Credit No Line of Credit

54. PIN Number
Usually not. However, some
credit cards may provide
PINs to allow consumers to
withdraw money from ATMs
just like debit cards. Such
withdrawals are generally a
bad idea because they carry
high fees and interest rates.
PIN number provided, but not
always asked to punch in.
Picture ID required
before issuance
Yes No
Interest
If a credit card bill is not paid
in full, interest is charged on
outstanding balance and the
interest rate is very high.
No interest is charged because
no money is borrowed.
Consumer's own funds are used
to make purchases.

55. Legal Liability laws
Strict. Consumer
liability limit for credit
card fraud is $50 if the
credit card company is
notified within 60 days
in written since the
fraudulent charges.
Lean. Consumer
liability limit for debit
card fraud is $50 if the
bank is notified within
two days of noticing the
fraudulent charges.
Risk involved
Low. Consumers are
protected against
unauthorized purchases
as long as the fraud is
reported in a timely
manner. Consumers are
not responsible for
charges incurred in
fraudulent transactions.
High, as they are attached
to a bank account. A
person does not need a
PIN number to use a debit
card and therefore can
easily drain a persons
bank account, causing
extreme problems.

56. Fraud
Only problem is
proving that someone
else has used the card.
With a debit card the
person has to figure out
how to get their money
back and if any checks
bounced they are
responsible for those as
well.

57. Limit
Credit line, which can
be increased/decreased
from the time of
applying.
Equals your account
limit.
Overdraw Fees
Low. Some credit card
companies allow to
overdraw amount over
the maximum credit line
with a fee.
High "overdraft" fees.
Possible to overdraw
amount over the account
limit
Connected to
Need not be connected
to any bank account.
Checking or Savings
Account
Monthly bills Yes No
Offers protection
and other benefits
Often. For example,
extended warranties on
new products, or
insurance on a rental
car.
Sometimes. For example,
extended warranties on
new products, or
insurance on a rental car.