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

Copy of Citizenship Identity Card
Recent passport-size photo

Green PIN Generation Process for Visa Debit Card

ATM

Step-1: Insert Card
Step-2: Press Button – GREEN PIN
Step-3: Press Button – GENERATE OTP
Step-4: Collect your Card
Step-5: Insert Card
Step-6: Press Button – GREEN PIN
Step-7: Press Button – SET PIN
Step-8: Enter OTP referring SMS
Step-9: Press Button – CORRECT
Step-10:Enter your New PIN
Step-11:Re-Enter your New PIN
Step-12:Collect your Card

TPay

Step-1: Card Services
Step-2: ATM Card
Step-3: ATM Green PIN Generation
Step-4: Select From Account
Step-5: Enter Card Number
Step-6: Enter Card Expiry Date MMYY
Step-7: Enter the OTP referring SMS
Step-8: Enter New PIN
Step-9: Enter Re-Enter New PIN
Step-10:Click Submit Button
Step-11:Enter your TPIN
Step-12:Click OK Button

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	-	-

Copy of Citizenship Identity Card
Copy of Citizenship Identity Card for Add on applicant
Latest one passport size color photograph
Authenticated and latest salary slip/salary certificate by Department/ Organization
Copy of latest PIT Assessment and renewed license copy (for self-employee)
Copy of BIT Certificate and renewed license copy (self-employed, professional and businessman)
Contact letter (for contact employee)
Letter of consent for extension of existing securities (if offered)
Ownership certificate for new fixed security (if offered)
FDR receipt/certificate endorsed and stamped with two signatures at the back (if offered)
Copy of valid passport (for international cards)

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

Copy of Citizenship Identity Card
Recent passport-size photo

Green PIN Generation Process for RuPay Debit Card

ATM

Step-1: Insert Card
Step-2: Press Button – GREEN PIN
Step-3: Press Button – GENERATE OTP
Step-4: Collect your Card
Step-5: Insert Card
Step-6: Press Button – GREEN PIN
Step-7: Press Button – SET PIN
Step-8: Enter OTP referring SMS
Step-9: Press Button – CORRECT
Step-10:Enter your New PIN
Step-11:Re-Enter your New PIN
Step-12:Collect your Card

TPay

Step-1: Card Services
Step-2: ATM Card
Step-3: ATM Green PIN Generation
Step-4: Select From Account
Step-5: Enter Card Number
Step-6: Enter Card Expiry Date MMYY
Step-7: Enter the OTP referring SMS
Step-8: Enter New PIN
Step-9: Enter Re-Enter New PIN
Step-10:Click Submit Button
Step-11:Enter your TPIN
Step-12:Click OK Button

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.

Balance Enquiry
Cash Withdrawal/ Purchase
Fast Cash from ATM
PIN Change from ATM
Mini Statement from ATM
Fund Transfer from ATM
Card is valid within Bhutan

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