To add to your convenience , your Bank has tied up with VISA for issuing Debit Card. VISA has a long-standing name in the banking industry in India as well as abroad. Visa is a reliable, international brand. Debit Card is basically a convenience card which can be used at a POS for making purchases at Merchant Establishments. This card can also be used as an ATM card for withdrawing cash at all the ATMs bearing VISA logo in India and aboard. Debit Cards This card can be used as an ATM card for withdrawing cash at the following ATMs: a. Saraswat Bank ATMs b. BANCS ATMs (shared network) c. NFS ATMs (shared network) d. Visa enabled ATMs Debit Card looks similar to a credit card, bearing a Visa logo, and can be used wherever Visa logo is displayed. Debit card can be used at Domestic as well as International ATMs, POS machines bearing the Visa logo at merchant establishment and for Purchases/Ticket Booking through Internet that use a secured e-Commerce Payment Gateway. To register for Verified by Visa (VbV) click here Debit card can be used upto the balance available in the account of cardholder. The maximum amount for transaction (Point of Sale + Online + ATM) is maintained at Rs 25000/- per day. e.g. a. ATM Cash withdrawal Rs 10,000/- + POS transaction Rs 10,000/- + Online transaction Rs 5,000/- b. ATM Cash withdrawal Rs 25,000/- + Nil POS transaction + Nil Online transaction c. Nil ATM Cash withdrawal + POS transaction Rs 10,000/- + Online transaction Rs 15,000/- d. Funds Transfer in linked accounts on our Bank's ATMs ONLY. Benefits to You: a. Facilitates electronic transactions and saves the customer from carrying cash or withdrawing cash. b. Provides access to merchant establishments, eCommerce transactions and ATM access. c. Offers the customers safety and security. d. Extensive usage across a number of establishments as VISA is widely recognised in all leading departmental stores, eCommerce sites and retail outlets all over the world. e. Helps customer stay in control as it tracks their expenses. f. In case of international traveler, it can save the customer from having to stock up on traveller's cheques or cash when he/she travels. g. Debit cards may be more readily accepted than cheques, especially in other states or countries as one need not verify the authenticity of the payment and the merchant is assured of immediate payment. Registration For registration you may contact your nearest branch .The form for Registration can be downloaded from the "forms" section in the website. Charges :   CHARGES HEAD CHARGE Annual Fee Rs 99/- p.a. plus taxes (1st year free) Additional Card Rs 99/- per card plus taxes. Replacement Of a Damaged Debit Card NO CHARGE Replacement Of A Lost Debit Card Rs 99/- per card plus taxes. Pin Replacement Rs 25/- SARASWAT BANK ATMs Cash Withdrawal / Balance Enquiry FREE Other banks ATM for Savings A/c Cash Withdrawal/Balance Enquiry Free for the first five* transactions in a calendar month. From 6th transaction onwards cash withdrawal will be charged at Rs 20/- per transaction(inclusive of service tax) & balance enquiry will be charged at Rs 10/- per transaction(inclusive of service tax) *Includes both financial (cash withdrawal) & non-financial (balance enquiry) transactions. Other banks ATM for Current A/c holders and Overdraft A/c holders a) Cash Withdrawal b) Balance Enquiry a) Charges of Rs 20/-(inclusive of tax) per cash withdrawal for every transaction b) Free ATM Cash Withdrawal (Outside India) Rs 120/- per transaction. ATM Balance Enquiry (Outside India) Rs 15/- per enquiry. Sales Slip Retrieval / Charge Back Processing Fee Rs 225/- Combined per day limit for ATM Cash Withdrawal / POS Transaction / Online Transaction Rs 25,000/- For usage at Merchant Establishments (POS) No charges For Internet Payments No charges For usage at Petrol Pumps Surcharge @ 2.50% of transaction amount or Rs 10/- (whichever is higher) For usage at Railway Stations or booking train tickets through Internet Surcharge @ 2.50% of transaction amount or Rs 10/- (whichever is higher) Service Charges For International Transactions 2.50% of the transaction amount.   Maximum withdrawal from Other Bank ATM is Rs 10000/- per transaction with an overall limit of Rs 25000/- per day.