Salary_account_package_DoP.pdf

Accounts

06 Mar 2026

Salary Product Features			Group-C	Group-B	Group-A
Insurance	Cover for Account Holder Only	Personal Accident Death Insurance (Free of cost)	₹ 100.00 Lacs	₹ 120.00 Lacs	₹ 150.00 Lacs
		Air Accident Insurance (Free of cost)	₹ 100.00 Lacs (Additional)	₹ 120.00 Lacs (Additional)	₹ 150.00 Lacs (Additional)
		Permanent Total Disability (Free of cost)	PTD is equal to the base PAI Cover, upto ₹ 100 Lacs.	PTD is equal to the base PAI Cover, upto ₹ 120 Lacs.	PTD is equal to the base PAI Cover, upto ₹ 150 Lacs.
		Permanent Partial Disability (Free of cost)	PPD is upto 75% of the base PAI Cover as per IRDAI guidelines.	PPD is upto 75% of the base PAI Cover as per IRDAI guidelines.	PPD is upto 75% of the base PAI Cover as per IRDAI guidelines.
		ADD on Covers- Girls Child Education/ Marriage, Air/ Ambulance charges, etc. (Free of cost)	INBUILT FACILITIES WITH PAI Salary Girl Child Marriage Higher Education Cover ON Duty Cover Band (18-25 Years) Group C 10% additional 10% additional 25% additional limit of base limit of base limit of base PAI sum PAI maximum PAI maximum insured maximum INR 10 Lac INR 10 Lac INR 25.00 Lac Group B 10% additional 10% additional 25% additional limit of base limit of base limit of base PAI sum PAI maximum PAI maximum insured maximum INR 12.00 Lac INR 12.00 Lac INR 30.00 Lac Group A 10% additional 10% additional 25% additional limit of base limit of base limit of base PAI sum PAI maximum PAI maximum insured maximum INR INR 15 Lac INR 15 Lac 37.50 Lac
		Term Life Insurance Cover (Free of cost)	₹ 10.00 Lacs	₹ 12.50 Lacs	₹ 15.00 Lacs
	Term Life Insurance- Add on Cover (Cost to be borne by A/c holder)		Available	Available	Available

	Wellness Program/ Benefits / Annual Health Check-up	Online tele/Video Consultation from Practo for the account holder and their dependents (maximum of -6- additional family members)	Online tele/Video Consultation from Practo for the account holder and their dependents (maximum of -6- additional family members)	Online tele/Video Consultation from Practo for the account holder and their dependents (maximum of -6- additional family members)
	Health/ Medical Insurance Cover	NIL	NIL	NIL
	Top-Up Health/ Medical Insurance Cover	Available	Available	Available
Banking	Minimum Balance	Zero	Zero	Zero
	Instant Overdraft Facility	Group-C Group-B Group-A Overdraft - 2 Salary credits 1st Salary credit 1st Salary credit Available immediately after Last Salary Last -2- salary Last Salary Amount of credit subject to credit subject to credit subject to Overdraft - maximum maximum maximum Average of (rounded off to ‘000) ₹ 200,000 ₹ 300,000 ₹ 100,000 Once in 60 days Once in 60 days Once in 60 days Overdraft is to be from date of from date of from date of adjusted in full availment. availment. availment.
	Sweep In -Out facility	Threshold limit ₹ 200000 In multiple of ₹ 10000	Threshold limit ₹ 200000 In multiple of ₹ 10000	Threshold limit ₹ 200000 In multiple of ₹ 10000
	IMPS/ RTGS/ UPI/ SMS Charges	FREE UNLIMITED	FREE UNLIMITED	FREE UNLIMITED
	Free Demand Draft	FREE UNLIMITED	FREE UNLIMITED	FREE UNLIMITED
	Free Cheque Facility	FREE UNLIMITED	FREE UNLIMITED	FREE UNLIMITED
	Concession in Locker Charges	40%	50%	60%
	Concession in Processing & Documentation charges on Housing/ Car/ Education / Personal/ other Retail loan	50% *(Subject to recovery of minimum charges per property to be mortgaged as out of pocket expenses (for legal, valuation etc).	100% *(Subject to recovery of minimum charges per property to be mortgaged as out of pocket expenses (for legal, valuation etc).	100% *(Subject to recovery of minimum charges per property to be mortgaged as out of pocket expenses (for legal, valuation etc).

	Concession in Rate of Interest on Housing/ Car/ Education/ Personal/ other Retail loan	Available	Available	Available
	Concession in Demat AMC	1st Year AMC is Free	1st Year AMC is Free	1st Year AMC is Free
	Family Banking Benefits	1. Spouse account with Zero Balance & Rupay Platinum Debit Card. 2. PARIVAAR account – maximum of 4 family members zero balance accounts can be linked.	1. Spouse account with Zero Balance & Rupay Platinum Debit Card. 2. PARIVAAR account – maximum of 4 family members zero balance accounts can be linked..	1. Spouse account with Zero Balance & Rupay Platinum Debit Card. 2. PARIVAAR account – maximum of 4 family members zero balance accounts can be linked..
Cards & Offers	Debit Card Variant	Platinum	Select	Select
	Debit Card - Issuance / Annual Maintenance Charges	Issuance and Annual Charges are Waived off	Issuance and Annual Charges are Waived off	Issuance and Annual Charges are Waived off
	No. of Free ATM TXN (in a month)	3 free txns in Metro & 5 free txns in Non-Metro	3 free txns in Metro & 5 free txns in Non-Metro	3 free txns in Metro & 5 free txns in Non-Metro
	Airport Lounge Access on Debit Card {Domestic}	1 per Year	1 per Quarter	1 per Quarter
	Airport Lounge Access on Debit Card {International}	NIL	2 per Year	2 per Year
	Credit Card Variant	RuPay Easy	RuPay Premier	RuPay Eterna
	Credit Card Issuance / Annual Maintenance Charges	INR 500 (waived off)	INR 1,000 (waived off)	INR 2,499 (waived off)
	Airport Lounge Access on Credit Card {Domestic}	NIL	Complimentary Airport Lounge access (1 Lounge Visit per calendar quarter), subject to spends of ₹ 20,000 in preceding calendar quarter.	Unlimited complimentary domestic airport lounge visits, subject to spends of 40,000 in preceding calendar quarter.

	Features of Bank of Baroda Debit Card for Central Govt Employee*
Offerings	Employee Grade	A	B	C
	Debit Card Variant	Select	Select	Platinum
Healthcare	Free health care checkup	Health check up 1 once per Qtr - Thyrocare / SRL Diagnostic	Health check up 1 once per Qtr - Thyrocare / SRL Diagnostic	-----
Lounge	Access to Domestic and International Airport lounge	DOM - 1 per qtr INTL - 2 per year	DOM - 1 per qtr INTL - 2 per year	DOM: 1 per year
OTT	Free OTT subscription	1 membership per year	1 membership per year	-----
SPA	Free SPA sessions	1 per qtr	1 per quarter	-----
Fitness	Free fitness subscription	1 per qtr (30 days membership - offline workout)	1 per qtr (30 days membership - offline workout)	-----
Golf	Complimentary lessons/ rounds	2 per year	1 per year	-----
Insurance		Personal Accidental - 10 Lakhs	Personal Accidental - 10 Lakhs	Personal Accidental - 2 Lakhs
Concierge		24x7 DOM	24x7 DOM	24x7 DOM

*Features are subject to change

Features of BOBCARD Credit Card for Central Government Employees*
Employee Grade	A	B	C
Credit Card Variant	RuPay Eterna	RuPay Premier	RuPay Easy
RuPay Platform	Select	Select	Platinum
Joining Fee/Annual Fee	INR 2,499 (waived off)	INR 1,000 (waived off)	INR 500 (waived off)
Limits	Subject to Internal Policy Guidelines	Subject to Internal Policy Guidelines	Subject to Internal Policy Guidelines
Rewards	3 Reward points for every ₹ 100 spent. 1 Reward Point = ₹ 0.25.	2 Reward points for every ₹ 100 spent. 1 Reward Point = ₹ 0.25	1 Reward points for every ₹ 100 spent. 1 Reward Point = ₹ 0.20
	Select MCCs will not earn any Reward points	Select MCCs will not earn any reward points	Select MCCs will not earn any reward points

Movies	ZOMATO District: Buy one Get one free movie ticket (max. ₹ 250 per card per month)	Not Applicable	Not Applicable
Accelerated Reward Points	5X i.e. 15 Reward points for every ₹ 100 spent on Ecom, International, Dining and Travel	5X  i.e. 10 reward points on every ₹ 100 spent on Travel, Dining & Abroad	5X  i.e.5 Reward Points on every ₹ 100 spent on Departmental Store & Movies
	(Max. 5000 per statement cycle)	(Max. 2000 RP per month)	(Max. 1000 RP per month)
Milestone Rewards	10,000 Bonus Reward points on spending ₹ 50,000 in first 60 days 20,000 Bonus Reward Points  on spending ₹ 5,00,000 in a year	500 Reward points on spend of ₹ 5000 in initial 60 days of card issuance.	500 Reward points on spend of ₹ 5000 in initial 60 days of card issuance.
Lounge	Unlimited complimentary domestic airport lounge visits, subject to spends of 40,000 in preceding calendar quarter	Complimentary** Airport Lounge access (1 Lounge Visit per calendar quarter), subject to spends of ₹ 20,000 in preceding calendar quarter	Not Applicable
Insurance	Air Accidental - 1 Crs (subject to tickets purchased from the same card)	Air Accidental - 1 Crs (subject to tickets purchased from the same card)	Not Applicable
	Personal Accidental (rail/Road) - 10 lakhs	Personal Accidental (rail/Road) - 10 lakhs
Fuel surcharge waiver	Fuel surcharge waiver on txns between ₹ 400 to ₹ 5000 (max. ₹250 per month)	Fuel surcharge waiver on txns between ₹ 400 to ₹ 5000 (max. ₹250 per month)	Fuel surcharge waiver on txns between ₹ 400 to ₹ 5000 (max. ₹ 250 per month)

*Features are subject to change

NOTE:

1. Accounts opened and receiving Salary under CGESP can convert the account into Pension Account. In all such cases, PAI cover will continue till the age of 70 years.

2. Joint accounts are allowed as per the existing guidelines. However, the PAI/GTL will be provided to Accounts where Salaried Person is 1st Holder only. Further, in case Salaried Account Holder is 2nd holder, no benefit will be made available to the Customers. Free Rupay Platinum Debit Card can be allowed to the joint Account holder of CGESP scheme.

3. Benefits of Salary Accounts will be available to the Accounts where regular salary is being received. In case Salary in the account is not received for continuous period of -3- months, all the benefits of salary scheme will lapse. Bank can transfer the Account to any scheme code of Bank’s choice or mark such account as non-salaried.

T & C Apply

Additional Services Offered

Senior Citizen Saving Scheme (SCSS) ELSS (Equity linked Saving) Scheme Wealth management

Gold Monetization Scheme

Floating Rate Savings Bonds, 2020 Tax collection

Prepaid / Forex Card

Full fledged Demat Account

Investment

Sweep facility

Mutual Fund Investment

Public Provident Fund (PPF)

E-Kisan Vikas Patra Scheme, 2014 (EKVP) Sovereign Gold Bonds (SGB)

Sukanya Samriddhi Yojana (SSY) National Pension System (NPS)

Health Insurance facility

Life Insurance facility