DCARDFEE is a fee charged by Bank of Baroda (BOB) for the usage of debit cards and ATM cards. It is an annual fee that is deducted from the account on a yearly basis. The fee amount varies depending on the type of card. For example, the DCARDFEE for a normal ATM card is 177 rupees, while for a platinum card or other premium card, it is 295 rupees. Different amounts of charges/fees are deducted for different types of Debit Cards, such as Rupay. It is important to note that DCARDFEE is not the same as ATM charges, which are separate fees charged for using ATMs.