Charges for a Debit Card after expiry (NOT because of LOST)

POSTED BY Hemanth ON October 3, 2013 5:18 pm COMMENTS (9)


I have a debit card of Union Bank of India. It will expire by October,2013.

The card is working fine now.

When I ask the customer care how to get a new debit card,they are saying that I need to pay an amount of Rs.112 to get a new debit card.

When I asked them,why should I pay for a card which is going to expire but not been lost and there is a no mistake from my side (because the card is not lost and it is working fine),the reply is that ‘This is the policy of the bank and I need to pay the amount to have a new card’.

Is it the same way all the Banks work ?? (I think  NO)

Also, are there any rules by RBI or someone else by which I can get a new debit card without any charges ??

Please help



9 replies on this article “Charges for a Debit Card after expiry (NOT because of LOST)”

  1. hemanthchandra62 says:

    Hi All,

    I got a new debit card without any extra charges.

    Thank u all for your views and help.


  2. hemanthchandra62 says:

    @Ashal — Thanks for your research and the answer.

    As I already said,I have raised a complaint in the UBI website,they replied that they will replace the card free of cost if I go to the home branch.

    Thank you all for your replies.


  3. ashalanshu says:

    Dear Hemanth, from the info available on Union bank of India’s site, I interpret that card replacement is chargeable only if you have lost or damaged the card. The normal expired card ‘ll be replaced free of cost.



  4. hemanthchandra62 says:

    @Ashal, Vaibhav —- I have raised an online Complaint on this.Waiting for reply.

    @Anshuk Jain —- May be you are using a salary account or some special accounts,so there are no annual charges.


  5. Vaibhav Goyal says:

    Hi Hemanth,

    Have heard about such fee for the 1st time.
    Not sure about PSUs, but most (maybe all) Pvt banks send you a new Debit card by post, about a month before your current card’s expiry – without charging any fee.

    My suggestion is to raise an online complaint/grievance with Union Bank. Based on their response, you’ll get to know if this really IS a policy of the bank.


  6. Anshuk Jain says:

    I am surprised that you guys are paying annual fees for debit cards!!! I don’t pay any such fees for my banking accounts..

  7. ashalanshu says:

    Dear Hemanth, better to obtain guidelines from your bank and then we can discuss it.



  8. hemanthchandra62 says:

    Hi Ashal,

    I am aware about the charges that the bank levy charges on a debit card yearly….I have no problem with that.

    Her,my question is ‘why should I pay for issuance of new debit card because of the expiry of the old card and there is no mistake from my side( like I didn’t lost the card )


  9. ashalanshu says:

    Dear Hemanth, are you ready to change your bank for 112 Rs. Almost all banks are charging for debt cards now a days. I do have banking experience with 3 banks (SBI, ICICI and IOB). The debit card is chargable on yly basis in all these 3 banks.



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