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Investment Simplified > Banking > Indian Overseas Bank Debit Card: IOB Debit Card
Banking

Indian Overseas Bank Debit Card: IOB Debit Card

Monika Mohan
Monika Mohan November 28, 2022 6 Min Read
Updated 2023/01/19 at 12:56 PM
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Indian Overseas Bank or IOB is one of the largest banks in India and so is its customer-base. To provide digital payment options, the bank offers an array of IOB debit cards for easy payments, online & offline both.

Contents
Types of IOB Debit CardsHow to Block IOB Debit Card?IOB Debit Card ChargesIOB Debit Card Customer CareIndian Overseas Bank Debit Card Activation OnlineIndian Overseas Bank Debit Card Pin Generation OnlineIOB Debit Card: FAQs

Read on to know about Indian Overseas Bank debit card activation & PIN generation process.

Types of IOB Debit Cards

There are 12 different types of debit cards offered by the Indian Overseas Bank to its customers under the three networks of VISA, RuPay and MasterCard. The following is the list of Indian Overseas Bank debit cards:

Visa GoldRuPay Platinum
Visa PlatinumRuPay Classic
Visa SignatureRuPay NCMC
Visa SMERuPay PMJDY
Visa ClassicRuPay Kisan
MasterCard GoldMudra Debit Card

How to Block IOB Debit Card?

If you’ve lost you IOB debit card, you can right away block it easily within a few simple steps. This is how:

  • Go to IOB website
  • Hover your cursor over Digital Banking
  • Click on Debit Card Blocking under the Services section
  • Enter your account number, regd. mobile number & security code
  • Click on Next

Enter the OTP that you will receive on your mobile number to complete the blocking of your debit card.

Another way is to simply call the IOB customer care number or login to your IOB netbanking account and have your IOB debit card blocked instantly.

Also, we advise you to check your account balance immediately if you’ve lost your debit card to find out if there are any unauthorized transactions. You can either use the IOB mini statement or opt for other options to check your IOB bank balance instantly.

IOB Debit Card Charges

There are three types of charges on IOB debit card, viz. Annual Maintenance Charges (AMC), Issuance Charges & Replacement Charges. Below-listed are charges for the all types of IOB debit cards:

IOB VISA Cards

IOB Debit CardAMCIssuance ChargesReplacement Charges
ClassicRs 250Rs 150Rs 250
GoldRs 250Rs 250Rs 350
PlatinumRs 300Rs 250Rs 400
SignatureRs 850Rs 400Rs 750
SMERs 200Rs 200Rs 250
PrepaidRs 250Rs 150Rs 200

IOB RuPay Cards

IOB Debit CardAMCIssuance ChargesReplacement Charges
ClassicRs 250Rs 150Rs 250
PlatinumRs 250Rs 250Rs 350
SelectRs 800Rs 800Rs 350
PMJDYRs 200NilRs 200
KCCRs 200NilRs 200
MudraRs 200NilRs 200
PrepaidRs 250Rs 150Rs 200

IOB MasterCard Cards

IOB Debit CardAMCIssuance ChargesReplacement Charges
GoldRs 150Rs 250Rs 250

Note: There are no charges for using these debit cards for financial and non-financial transactions at IOB ATMs.

IOB Debit Card Customer Care

If you wish to block/unblock your IOB debit card or have any other queries regarding the same, please call on the below-mentioned IOB customer care number for instant assistance:

044-28519470

Indian Overseas Bank Debit Card Activation Online

You can enable e-commerce transactions, contactless transactions and international transactions on your IOB debit card easily using either the netbanking option or the mobile banking option. Here’s how:

Via Netbanking

  • Log into your IOB netbanking account
  • Click on IOB Cards > IOB Debit Cards
  • Now, select Switch On/Off Channels
  • Select account number linked to your debit card > Submit
  • Select debit card > Submit
  • Choose the services you want to turn on
  • Enter your funds transfer PIN > Submit
  • Enter OTP that you’ll receive on your registered mobile number

Your IOB debit card will be activated for the services chosen.

Via Mobile-Banking

  • Download IOB Mobile app and login
  • Tap on Card Services
  • Select Debit Card Services
  • Tap Manage Debit card Limit & Channel Update
  • Select services you want to activate on your debit card
  • Click on Domestic Limit or International Limit for setting individual limit
  • Hit the Submit button
  • Check Review page for the changes made and click on Confirm

Enter your IOB mPIN to authenticate & complete the process of your IOB debit card activation via mobile banking.

Indian Overseas Bank Debit Card Pin Generation Online

You can generate the PIN of your IOB debit card easily by visiting any of the IOB ATMs. Insert your card in the machine and then select the option that indicates for PIN generation. You’ll receive an OTP on your registered mobile number that you need to enter to authenticate your identity. Once entered, you’ll be able to create your IOB debit card PIN.

Check debit cards offered by different banks:

SBI Debit CardBank of Baroda Debit CardIDBI Debit Card
PNB Debit CardICICI Debit CardRBL Debit Card
HDFC Debit CardIndusind Bank Debit CardBank of Maharashtra Debit Card
Axis Bank Debit CardBank of India Debit CardSyndicate Bank Debit Card
Kotak Debit CardIndian Bank Debit CardUnion Bank Debit Card
Canara Bank Debit CardYes Bank Debit CardStandard Chartered Debit Card

IOB Debit Card: FAQs

How to apply for an IOB debit card online?

For security reasons, the Indian Overseas Bank does not give the option to apply for an IOB debit card online. You need to visit the bank, provide your PAN and address proof. Once this is checked by the bank officials, your debit card request is accepted.

How to block IOB debit card?

You can call on the IOB customer care number to block your IOB debit card immediately. Make sure to call from your registered mobile number only. Alternatively, you can also write to atmcard@iobnet.co.in for any debit card related queries/complaints.

What are the IOB debit card annual charges?

The annual charges for IOB debit card range from Rs 250 to Rs 800 for Visa and RuPay cards. For IOB MasterCard debit card, annual charges are Rs 150 only.

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Posted by Monika Mohan
Monika Mohan is a writing enthusiast who has luckily turned her passion into profession. For the greens, she has an established foot in the personal finance sector and likes to put forth complex topics in an easy-to-understand manner, minus the jargons. Outside the penny lane, it’s all about poetry, mountains and single-malts.
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