Cards
Visa Debit Card
A Visa Debit Card is a type of payment card that is linked to the cardholder’s bank account. This means that the money you spend using the card comes directly from the funds available in your bank account. It serves as a convenient way for individuals to access their funds and make purchases without carrying cash.
Bhutanese citizens above the age of 18 years maintaining Savings or Current Deposit Account with T Bank are eligible to avail the Visa Debit Card facility. This can be availed by account holders having mode of operation as Individual, Either or Survivor (E or S), or Sole Proprietorship. Students may also avail this facility with a maximum limit of USD 10,000/-
Please note that Thumb impression/joint signatories account holders are not eligible for the Visa Debit Card.
Annual Travel Scheme (ATS) top-up:
Available Annual Travel Scheme(ATS)can also be topped up on the Visa Debit Card. The request for this facility should be emailed to sonamgyeltshen@tbank.bt for Visa Debit Cards.
| Visa Debit Card | No. of years |
|---|---|
| Card Validity | 3 |
| Visa Debit Card | Amount (Nu.) |
|---|---|
| Issuance Fee (New Card) | 300 |
| Replacement Fee | 250 |
| Renewal Fee | 250 |
| Annual Fee | Free |
| PIN Generation Fee | Free |
| Visa Debit Card | T Bank Terminals | BFS Network Terminals | Visa Network Terminals | |||
|---|---|---|---|---|---|---|
| ATM (Nu.) | POS (Nu.) | ATM (Nu.) | POS (Nu.) | ATM (Nu.) | POS (Nu.) | |
| Balance Enquiry | Free | Free | 5 | Free | 20 | Free |
| Cash Withdrawal / Purchase | Free | Free | 9 | Free | 120 | Free |
| Mini Statement | Free | Free | 5 | Free | - | - |
| Fund Transfer | Free | Free | - | - | - | - |
| PIN Change | Free | Free | 5 | Free | - | - |
* ATM Issuer Fee @ Nu 9/- for cash withdrawal on BFS Network to be applied only after 5th transaction during the respective calendar month.
| Visa Debit Card | T Bank Terminals | BFS Network Terminals | Visa Network Terminals | |||||
|---|---|---|---|---|---|---|---|---|
| ATM(Nu.) | POS(Nu.) | ATM(Nu.) | POS(Nu.) | ATM(INR) | POS(INR) | ATM(USD)/ | POS(USD) | |
| Daily Limit | 40,000 | Unlimited | 40,000 | Unlimited | 15,000 | 50,000 | - | |
| Monthly Limit | Unlimited | Unlimited | Unlimited | Unlimited | 15,000 | 50,000 | - | |
| Yearly Limit | - | - | - | - | - | - | 1,000 | |
| No. of Transaction Count per Day | 20 | Unlimited | 20 | Unlimited | 20 | Unlimited | ||
| Limit per Transaction | 15,000 | Unlimited | As set by Acquirer bank | As set by Acquirer Bank | ||||
Green PIN Generation Process for Visa Debit Card
ATM
TPay
Visa Credit Card
A Visa Credit Card is a type of payment card that allows the cardholder to make purchases on credit, up to a predetermined credit limit set by the card issuer. Unlike a debit card, which directly deducts funds from the cardholder’s bank account, a Visa Credit Card allows cardholders to borrow money from the card issuer for transactions. Cardholders then need to repay the borrowed amount along with any accrued interest and fees within a specified billing cycle.
Bhutanese citizens above 18 years maintaining Savings or Current Deposit Accounts with T Bank and having a legitimate repayment source are eligible to avail the Visa Credit Card facility. This card can be availed by account holders having mode of operation as Individual, Either or Survivor (E or S), or Sole Proprietorship. Students may also avail this facility with a maximum limit of USD 10,000/-
Please note that Thumb impression/joint signatories account holders are not eligible for the Visa Credit Card.
Annual Travel Scheme (ATS) top-up:
Available Annual Travel Scheme(ATS)can also be topped up on the Visa Credit Card. The request for this facility should be emailed to the respective credit focal officers for Visa Credit Cards.
| Visa Credit Card | No. of years |
|---|---|
| Card Validity | 3 |
| Visa Credit Card | Amount (Nu.) |
|---|---|
| Joining fee | 1000 |
| Issuance Fee (Add on Card) | 500 |
| Replacement Fee | 300 |
| Renewal Fee (Primary Card) | 500 |
| Renewal Fee (Add on Card) | 500 |
| Annual Fee (Primary Card) | 500 |
| Annual Fee (Add on Card) | 500 |
| PIN Generation Fee | Free |
| Interest on revolving credit facility per month | 2.5% |
| Late Payment Fee | 250 |
| FOREX Transaction Fee on Transaction Amount | 1.5% |
| Cash Withdrawal Fee | Interest: 1.5% per month on withdrawn amount. Cash Fee: Nu.300 or 3% of withdrawal amount whichever is higher (ATMs) |
| Repayment | Minimum due amount @ 25% of the total utilized amount within the month of billing statement. |
| Over Limit Charges | Nu. 300 or 0.3% of the over limit amount whichever is higher |
| Visa Credit Card | T Bank Terminals | BFS Network Terminals | Visa Network Terminals | |||
|---|---|---|---|---|---|---|
| ATM (Nu.) | POS (Nu.) | ATM (Nu.) | POS (Nu.) | ATM (INR) | POS (INR) | |
| Balance Enquiry | Free | Free | 5 | Free | 20 | Free |
| Cash Withdrawal / Purchase | Free | Free | 9 | Free | - | Free |
| Mini Statement | Free | Free | 5 | Free | - | - |
| Fund Transfer | Free | Free | - | - | - | - |
| PIN Change | Free | Free | 5 | Free | - | - |
* ATM Issuer Fee @ Nu 9/- for cash withdrawal on BFS Network to be applied only after 5th transaction during the respective calendar month.
| Visa Credit Card | T Bank Terminals | BFS Network Terminals | Visa Network Terminals | |||||
|---|---|---|---|---|---|---|---|---|
| ATM(Nu.) | POS(Nu.) | ATM(Nu.) | POS(Nu.) | ATM(INR) | POS(INR) | ATM(USD)/ | POS(USD) | |
| Daily Limit | 40,000 | Unlimited | 40,000 | Unlimited | 15,000 | 50,000 | - | |
| Monthly Limit | Unlimited | Unlimited | Unlimited | Unlimited | 15,000 | 50,000 | - | |
| Yearly Limit | - | - | - | - | - | - | 1,000 | |
| No. of Transaction Count per Day | 20 | Unlimited | 20 | Unlimited | 20 | Unlimited | - | - |
RuPay Debit Card
T Bank’s RuPay Debit Card is a type of payment card issued under the RuPay payment network in India. It is linked to your bank account, which means its usage is based on the funds available in your bank account. It is primarily accepted within India, offering a range of features and benefits similar to other debit cards. Apart from business and pilgrimage trips, the RuPay Debit Card will be useful for students studying in India to meet their daily expenses.
Bhutanese citizens above the age of 18 years maintaining Savings or Current Deposit Account with T Bank are eligible to avail the RuPay Debit Card facility. This can be availed by account holders having mode of operation as Individual, Either or Survivor (E or S), or Sole Proprietorship.
Please note that Thumb impression/joint signatories account holders are not eligible for the RuPay Debit Card.
Annual Travel Scheme (ATS) top-up:
Available Annual Travel Scheme(ATS) can also be topped up on the RuPay Debit Cards. The request for this facility should be emailed to sonamgyeltshen@tbank.bt for RuPay Debit Cards.
| RuPay Debit Card | No. of years |
|---|---|
| Card Validity | 3 |
| RuPay Debit Card | Amount (Nu.) |
|---|---|
| Issuance Fee (New Card) | 250 |
| Replacement Fee | 200 |
| Renewal Fee | 200 |
| Annual Fee | Free |
| PIN Generation Fee | Free |
| RuPay Debit Card | T Bank Terminals | BFS Network Terminals(Bhutan) | RuPay Network Terminals(India) | |||
|---|---|---|---|---|---|---|
| ATM (Nu.) | POS (Nu.) | ATM (Nu.) | POS (Nu.) | ATM (INR) | POS (INR) | |
| Balance Enquiry | Free | Free | 5 | Free | 5.30 | Free |
| Cash Withdrawal / Purchase | Free | Free | 9 | Free | 33 | Free |
| Mini Statement | Free | Free | 5 | Free | - | - |
| Fund Transfer | Free | Free | - | - | - | - |
| PIN Change | Free | Free | 5 | Free | - | - |
* ATM Issuer Fee @ Nu 9/- for cash withdrawal on BFS Network to be applied only after 5th transaction during the respective calendar month.
| RuPay Debit Card | T Bank Terminals | BFS Network Terminals | RuPay Network Terminals (India) | |||
|---|---|---|---|---|---|---|
| ATM(Nu.) | POS(Nu.) | ATM(Nu.) | POS(Nu.) | ATM(INR) | POS(INR) | |
| Daily Limit | 40,000 | Unlimited | 40,000 | Unlimited | 15,000 | 50,000 |
| Monthly Limit | Unlimited | Unlimited | Unlimited | Unlimited | 15,000 | 50,000 |
| No. of Transaction Count per Day | 20 | Unlimited | 20 | Unlimited | 20 | Unlimited |
| Limit per Transaction | 15,000 | Unlimited | As per the Acquirer Bank | As per the Acquirer Bank | ||
Note: Turn Around Time (TAT): 10 days + Time for Postage
Green PIN Generation Process for RuPay Debit Card
ATM
TPay
Proprietary Debit Card
Now using your T Bank debit card makes more sense than ever. Spending directly through your debit card helps you control cash carrying risk. It requires a Personal Identification Number (PIN) to be used to verify the transaction. Debit cards are used to electronically withdraw funds directly from the card holder’s accounts.
Account holders who have account with any of the T Bank branches are eligible to avail the debit card services. The card can be availed as Individual, Either or Survivor (E or S), or Sole proprietorship.
Please note that Thumb impression/joint signatories account holders are not eligible to have debit cards.
| Fees | Nu |
|---|---|
| Renewal fees on Expiry and validity | Free |
| Card Replacement fee | 200 |
| PIN Regeneration fee | Free |
| T Bank Terminals | BFS Network terminals | |||
|---|---|---|---|---|
| Charges | ATM (in Nu) | POS (in Nu) | ATM (in Nu) | POS (in Nu) |
| Balance Enquiry | Free | Free | First 4 transactions are free. For more than 4 transactions Nu.8 will be charged | Free |
| Cash Withdrawal/Purchase | Free | Free | First 4 transactions are free. For more than 4 transactions Nu.8 will be charged | Free |
| Mini Statement | Free | |||
| PIN Change | Free | |||
| T Bank Terminals | BFS Network terminals | |||
|---|---|---|---|---|
| Transaction Limits | ATM's | POS's | ATM's | POS's |
| Daily Limit | Nu.40,000/- | Unlimited | Nu.40,000/- | Unlimited |
| Transaction Limit | Nu.10,000/- per transaction | BFS acquirer Bank | BFS acquirer Bank | |
| No of Transactions per day | 6 | Unlimited | 6 | Unlimited |
| PIN Change | Free | |||
Visa Debit Card Application Form
Visa Credit Card Application Form
RuPay Debit Card Application Form
Proprietary Card Applicant Form