Reply to Pre-bid queries for RFP-ISSUE-1/2012 dated 24-01-2012 for END TO END SOLUTION FOR
PERSONALIZATION AND ADMINISTRATION OF ALL TYPE OF DEBIT AND CREDIT CARDS OF VISA/
MASTERCARD/ NPCI and Other Interchange Network
S No
1
RFP Reference/ RFP Clarification Sought
Term
Eligibility Criteria – 3
We are in the business of end to end
Page No 4
card fulfillment business since last 6
years and providing the services for
more than 10 institutions. For the Banks
where we are offering end-to-end card
issuance and management services, we
have partnered with VISA/ MasterCard
certified card manufacturing and
personalization bureaus.
Bank's Reply
Clause may be read as
“Bidder should have a VISA & Master
Card/NPCI certified bureau in India having
required infrastructure for Debit/ Credit
card Personalization or Manufacturing
conforming to all the guidelines issued by
VISA / MasterCard/ NPCI.
Considering the above, request the
bank to allow the service providers like
us to participate with the condition of
procuring the card plastics and availing
personalization services from VISA/
MasterCard certified agencies.
2.
Eligibility Criteria – 5
Page no 4
Further to the point mentioned above,
request that Bank allows bidders to
partner with VISA/ MasterCard certified
card manufactures who would fulfill this
eligibility criteria.
Bidder to comply with the RFP terms.
3.
Eligibility Criteria – 6 .
Page no 5
Further to the point mentioned above,
request that Bank allows bidders to
partner with VISA/ MasterCard certified
card manufactures and perso bureaus
who would fulfill this eligibility criteria.
Bidder to comply with the RFP terms.
Page 1 of 33
Reply to Pre-bid queries for RFP-ISSUE-1/2012 dated 24-01-2012 for END TO END SOLUTION FOR
PERSONALIZATION AND ADMINISTRATION OF ALL TYPE OF DEBIT AND CREDIT CARDS OF VISA/
MASTERCARD/ NPCI and Other Interchange Network
4.
Eligibility Criteria – 7.
Page no 5
Further to the point mentioned above, Bidder to comply with the RFP terms.
request that Bank allows bidders to
partner with VISA/ MasterCard certified
card manufactures who would fulfill this
eligibility criteria.
5.
Eligibility Criteria – 8,
1) Trust the Bank is referring to the By taking the view of the vendors present
card management system of the in the pre-bid meeting, Bank has relaxed
bidder being PCI-DSS compliant. this condition.
Kindly confirm.
Page no 5
2) MCT Cards & Technology Pvt. Ltd
certified by VISA and MasterCard for
secured banking card manufacturing
and personalization. We follow data
security norms as per VISA and
MasterCard.
As
per
VISA,
MasterCard certification since we
are certified by VISA & MasterCard
for card personalization there is no
need for PCI-DSS certification. MCT
Cards & Technology Pvt. Ltd
certified with ISO 27001-2005
Specification for Information Security
and Management. Above mentioned
certifications are of higher version
comparing with PCI-DSS. So we
Page 2 of 33
Reply to Pre-bid queries for RFP-ISSUE-1/2012 dated 24-01-2012 for END TO END SOLUTION FOR
PERSONALIZATION AND ADMINISTRATION OF ALL TYPE OF DEBIT AND CREDIT CARDS OF VISA/
MASTERCARD/ NPCI and Other Interchange Network
request you to consider above
mentioned VISA, MasterCard and
ISO 27001-2005 certification for
bidder eligibility criteria.
6.
Eligibility Criteria – 9,
Page no 5
7.
Eligibility Criteria – 10,
Page no 5
8.
Eligibility Criteria – 12,
Page no 5
Further to the point mentioned above, Bidder to comply with the RFP terms.
request that Bank allows bidders to
partner with VISA/ MasterCard certified
card manufactures and perso bureaus
who would fulfill this eligibility criteria
while maintaining the card issuance,
PIN generation and printing in-house
from bidder’s premises.
Does the Bank expect the bidder to Bidder to comply with the RFP terms.
have a Disaster Recovery arrangement
or a fall-back arrangement to cater to
business continuity?
1. While the buy-back of card plastics
and stationery available with the
Bank can be considered on mutually
agreed rates, request that Bank
relaxes the condition of buy-back of
the existing embossing machines.
2. The details of the machines
debit/cards should be provided to
FSS. Details might include the date
of purchase, cost of purchase, value
Bidder to comply with the RFP terms.
Details of two embossing machine are as
per the following.
(A) ZT 10 – 583781 Matica
Embossing Machine
DOP: 22.09.2005
OCP: 24,75,000.00
AMC Start Date: 11.10.2006
Card
Page 3 of 33
Reply to Pre-bid queries for RFP-ISSUE-1/2012 dated 24-01-2012 for END TO END SOLUTION FOR
PERSONALIZATION AND ADMINISTRATION OF ALL TYPE OF DEBIT AND CREDIT CARDS OF VISA/
MASTERCARD/ NPCI and Other Interchange Network
at which it has to be taken over etc.
(B) ZT20
- 7075393 Matica
Embossing Machine
DOP: 17.08.2007
OCP: 46,28,000.00
AMC Start Date: 17.08.2008
Card
Bidder has to mention the commercial for
two embossing machines along with the
commercial bid.
9.
Annexure B2
Page 47.
Point number 1.1
1. Does bank expect bidder to provide 1. Bidder to comply with the RFP terms.
the Card management system, to
generate PAN, embossa data, Card 2. Access should be available to all
Activation File, PIN and printing of
Branches.
PINs?
2. Also, does bank want to give access
to branches for card generation
requests? If so, how many branch
accesses are required concurrently
and in total.
10.
Annexure B2
Page 47.
Point number 1.3
Trust the Bank is referring the Card Bank confirms the understanding. Bidder
Authorization File (CAF) to be to comply with the RFP terms.
generated
from
bidder’s
card
management system for refresh on the
Bank’s Switch.
11.
Annexure B2,
Page no 47,
1.5
Trust the Bank is referring to the Bidder to comply with the RFP terms.
bidder’s
card
issuance
and
management system to have the
Page 4 of 33
Reply to Pre-bid queries for RFP-ISSUE-1/2012 dated 24-01-2012 for END TO END SOLUTION FOR
PERSONALIZATION AND ADMINISTRATION OF ALL TYPE OF DEBIT AND CREDIT CARDS OF VISA/
MASTERCARD/ NPCI and Other Interchange Network
requested features.
Kindly confirm on our understanding.
12.
General
Premises
hosting
of
1. We assume that the application for 1. Bank confirms the understanding
Card management to be hosted in
application
bidders premises.
2. Does the Bank expect the IP for the 2. Bank confirms the understanding
card management system to be
owned by the bidder?
13.
General
Card variants and
projected volume for 3
year contract period
14.
General
Migration
3. Also, assume that the Bank would 3. Evaluation will be done as per the
procedure mentioned in the RFP.
have relevant weightage for the card
management system offered by the
bidder.
Please provide the details as following
Mentioned in the commercial bid published
with this document.
1. Volume of cards under each
variant and interchange.
2. Projected volume for next three
years for each variants annually.
Does bank expect to migrate all existing Bidder to comply with the scope of work
card data to new application?
mentioned in the RFP terms.
If yes, what is the card volume variantwise and the volume of data for
migration.
Page 5 of 33
Reply to Pre-bid queries for RFP-ISSUE-1/2012 dated 24-01-2012 for END TO END SOLUTION FOR
PERSONALIZATION AND ADMINISTRATION OF ALL TYPE OF DEBIT AND CREDIT CARDS OF VISA/
MASTERCARD/ NPCI and Other Interchange Network
15.
General
Credit Card
Trust the bank will provide the embossa Bidder to comply with the scope of work
data for Credit Cards to bidder for mentioned in the RFP terms.
personalization.
Trust the bank will generate Credit
cards pin and will do pin printing for
credit cards?
16.
17.
We assume that bank is not expecting
the bidder to provide Credit Card
Management system. Request the Bank
to kindly confirm the scope for the
Credit Cards.
General
Kindly explain current card preparation
No Relevance.
and dispatch process in detail.
Bidder to comply with the scope of work
Current Debit card and
mentioned in the RFP terms.
Credit Card kit preparation
Annexure – C1
Besides the PIN generation and printing Out of scope.
during card issuance process, the Bidder to comply with the scope of work
customers may request for duplicate/ mentioned in the RFP terms.
re-PIN. Since the volume of re-PINs
cannot be linked to card issuance,
request the Bank to provide an option
for the bidder to quote for such re-PIN
requests
as
there
would
be
infrastructure, operations and stationery
costs associated with issuance of rePINs.
Also request the Bank to provide the
Page 6 of 33
Reply to Pre-bid queries for RFP-ISSUE-1/2012 dated 24-01-2012 for END TO END SOLUTION FOR
PERSONALIZATION AND ADMINISTRATION OF ALL TYPE OF DEBIT AND CREDIT CARDS OF VISA/
MASTERCARD/ NPCI and Other Interchange Network
current monthly volume of such re-PIN
requests being processed.
18.
Annexure-B2, point 1.1
Which all options will be accessed by
Bank/ branches?
Will be shared with the selected bidder.
19
Annexure-B2, point 1.5
What checks are expected for the
same?
Will be shared with the selected bidder.
20.
Annexure-B2, point 1.9
1. Does the bank currently support 1. Banks has the compatibility for the
software/ HSM based PIN Printing?
requirement.
2. Since HSM based PIN printing is the 2. Bidder to comply with the RFP terms
secure mode, it is advisable that the
Bank chooses on HSM based PIN
Printing option.
21.
22.
Annexure-B2, point 1.16
General
Tracking by Bank users can be done Bank expect to access the system by
over Intranet. Does the Bank expect branches/ CO/ HO.
end customers to access the system to
track the status of card?
If so, can an API integration through the
bank’s internet banking site be
provided?
What support functions like hotlisting, Bidder to comply with the RFP terms/
account linking etc., does the Bank scope of work
expect the bidder to support?
Does the Bank expect these support
Page 7 of 33
Reply to Pre-bid queries for RFP-ISSUE-1/2012 dated 24-01-2012 for END TO END SOLUTION FOR
PERSONALIZATION AND ADMINISTRATION OF ALL TYPE OF DEBIT AND CREDIT CARDS OF VISA/
MASTERCARD/ NPCI and Other Interchange Network
functions to be online between the card
management and the switch?
How does the bank currently handle
these support functions and what is
expected from the bidder?
Does the bank envisage access to be
provided to Bank’s call centre users for
handling support functions or view
status of cards?
23.
24.
25.
26.
27.
General
How does the Bank want to handle the
various fees like issuance fee, annual
fees to be handled in the card
management application?
General.
Does bank require the bidder to provide
functionality
to
support
loyalty
programs?
Annexure-B2, point 2.5
In PIN mailer bank is mentioning about
separate content in Original & Duplicate
copy, and in Hindi & English, We
assume bank is referring to the content
as a pre-printed stationary.
Annexure-B2, point 2.1 / Request Bank to provide samples of all
2.2
card plastics and stationery referred in
the RFP.
Annexure-C1
1.2.4.4
and
Bidder to comply with the RFP terms/
scope of work
Bidder to comply with the RFP terms/
scope of work
Bidder to comply with the RFP terms/
scope of work
Samples are available at bank for
collection. Bidder may collect the same
from bank.
point While the commercial template provides Bidder to comply with the RFP terms
an option to quote the taxes under
Page 8 of 33
Reply to Pre-bid queries for RFP-ISSUE-1/2012 dated 24-01-2012 for END TO END SOLUTION FOR
PERSONALIZATION AND ADMINISTRATION OF ALL TYPE OF DEBIT AND CREDIT CARDS OF VISA/
MASTERCARD/ NPCI and Other Interchange Network
current structure. Request the bank to
consider compensating for any change
in the tax structure during the tenure of
the contract.
While the Bank expects the bidder to
pass the benefit in case of reduction in
tax structure, request that bank
considers payment of taxes at actuals,
in case of increase in tax or change in
tax structure.
28.
Annexure-B2, point 1.11
Does the bank expect the bidder to Bidder to comply with the RFP terms
provide POD for delivery of cards and
PINs?
29.
Scope of Work – Page 18
Does the Bank expect the bidder to Bidder to comply with the RFP terms/
support issuance of Credit and Prepaid Scope of works.
Cards? If so, what is the scope of work
to be offered for Credit and Prepaid
Cards?
Prepaid Card issuance would also
require providing an online transaction
host for authorization. Is the bank
expecting the bidder to propose for
prepaid authorization host also? If so,
request the Bank to provide the volume
of cards to be issued on an annual
basis and the estimate of the
transactions expected by the Bank.
Page 9 of 33
Reply to Pre-bid queries for RFP-ISSUE-1/2012 dated 24-01-2012 for END TO END SOLUTION FOR
PERSONALIZATION AND ADMINISTRATION OF ALL TYPE OF DEBIT AND CREDIT CARDS OF VISA/
MASTERCARD/ NPCI and Other Interchange Network
30.
Annexure-C1
1. What are the specifications for the
EMV cards? In terms of capacity and
what
type
and
how
many
applications bank is expecting to
have on card? Is bank also
expecting the combo card along with
the chip cards?
1. EMV cards should have 16K chip
onwards compatibility along with &
DDA option.
2. What
kind
functionality
expected?
2. DDA support is expected.
of
cryptographic
(SDA/
DDA)
is
3. What kind of contact (Wire bond,
Gold, 6 or 8 contact) chip is
expected?
3. As per the VISA/ MasterCard/ NPCI
EMV CHIP specification.
4. Does the Bank expect any specific
EMV crypto algorithm (Triple DES,
RSA, etc.,)
4. As per the VISA/ MasterCard/ NPCI
EMV CHIP specification.
5. When is the bank expecting to start
issuing the EMV cards and what are
the volumes expected to be issued
on an annual basis?
5. Mentioned in the new commercial
format enclosed with this document.
6. Owing to price considerations,
request the bank to provide the
minimum order quantity for each
type of card.
6. Mentioned in the new commercial
format enclosed with this document.
Page 10 of 33
Reply to Pre-bid queries for RFP-ISSUE-1/2012 dated 24-01-2012 for END TO END SOLUTION FOR
PERSONALIZATION AND ADMINISTRATION OF ALL TYPE OF DEBIT AND CREDIT CARDS OF VISA/
MASTERCARD/ NPCI and Other Interchange Network
31.
General
Whether the following are in the scope:
1. Reissuance of debit card
Bidder to comply with the RFP terms/
Scope of work.
2. Repinning
3. Hotlisting/cancellation of cards
4. Addition/Deletion of secondary
accounts
If yes, then how the price has to be
quoted for the same.
Kindly provide who is the incumbent
vendor.
33.
13.1 Format of Technical
Bid Part A
What is meant by present commitment? Bidder to comply with the RFP terms/
Is it number of years or number of cards Scope of work.
issued? Kindly clarify on the same. Also
we can provide the same only if the
other bank accepts for sharing such
data.
34.
21.1 Liquidated Damages
for delay
What is the completion schedule? This Bidder to comply with the RFP terms
should be discussed with the vendor
and the same should be agreed upon.
Also this clause can be initiated only in
the event of a delay purely attributable
to the service provider and the same is
not cured within an agreed period.
35.
21.2 Liquidated damages The bank should clearly specify what Bidder to comply with the RFP terms
Page 11 of 33
Reply to Pre-bid queries for RFP-ISSUE-1/2012 dated 24-01-2012 for END TO END SOLUTION FOR
PERSONALIZATION AND ADMINISTRATION OF ALL TYPE OF DEBIT AND CREDIT CARDS OF VISA/
MASTERCARD/ NPCI and Other Interchange Network
36.
for non-performance:
specifications have to be met to avoid
penalty. Also the penalty should be
clearly defined with an upper limit.
Again this clause can be initiated only in
the event of a delay purely attributable
to the service provider and the same is
not cured within an agreed period.
31. Penalty clause
1) Kindly clarify the schedule for design 1. Bidder to comply with the RFP terms.
approval as it has not been specified
Time limit shall be read as two working
in the RFP (Point No 31.1 page no
days.
24).
2) Kindly clarify what is considered as 2. Bidder to comply with the RFP terms
serious manufacturing defects. Also
please clarify whether the same
penalty of Rs. 5000 etc will be
deducted for rejected lots. Whether
this clause will be invoked even if
the rejected lots are replaced
37.
32. Indemnity
38.
34. Guarantees
1) Liability should be limited to total Bidder to comply with the RFP terms
cost of the project. Also this clause
can be initiated only if the claim is
purely attributable to the service
provider.
2) Kindly clarify what is malfunctioning?
Also this clause can be initiated only
if the claim is purely attributable to
the service provider
Kindly provide the format for providing
Bidder may use the standard format for the
Page 12 of 33
Reply to Pre-bid queries for RFP-ISSUE-1/2012 dated 24-01-2012 for END TO END SOLUTION FOR
PERSONALIZATION AND ADMINISTRATION OF ALL TYPE OF DEBIT AND CREDIT CARDS OF VISA/
MASTERCARD/ NPCI and Other Interchange Network
guarantee
same. Bidder to comply with the RFP
terms
39.
39. Cancellation of the 1) We cannot accept to this term as the Bidder to comply with the RFP terms
contract & compensation
cost at which the same is procured
from the third party might not be the
same. If this clause has to be
accepted, then this clause can be
invoked only after giving sufficient
opportunity for the bidder to rectify
the mistake.
2) Dues payable to the bidder in the
current contract alone should be
considered for setting off any dues.
40.
40. Defect Liability
Bank should clearly specify what is
required?
Bidder to comply with the RFP terms
41.
2.9 Information
System
Who will bear the cost of dedicated
connectivity
Already explained in the RFP. Bidder to
comply with the RFP terms
42.
2.10 Stock handling
Who will bear the cost of inspection?
Expenditure for visit of bank official will be
borne by Bank. Bidder to comply with the
RFP terms
43.
Security Requirements
5.1, 5.9
1) Bank should share the secure
configuration document upfront as
this might have a cost impact.
Bidder to comply with the RFP terms
Page 13 of 33
Reply to Pre-bid queries for RFP-ISSUE-1/2012 dated 24-01-2012 for END TO END SOLUTION FOR
PERSONALIZATION AND ADMINISTRATION OF ALL TYPE OF DEBIT AND CREDIT CARDS OF VISA/
MASTERCARD/ NPCI and Other Interchange Network
2) What kind of background check is
required? Whether a separate BGV
has to be conducted or BGV done
by the bidder is sufficient? If a
separate BGV has to be done who
will bear the cost of BGV?
44.
Annexure-B2,
Requirements
Functional 1) Scope should be clearly specified by
the bank as each scope items carry
a cost.
2) Any changes to the existing cards
will have a cost impact. Hence the
rates have to be negotiated
accordingly. Also the bank has to
provide notice in advance so that
existing inventory has to be
exhausted before moving into new
design.
3) The bank has to clearly define the
timelines and related penalty.
45.
Space required at initial This is not specified anywhere in the
period
RFP. Kindly let us know what is
required to be provided.
46.
Performance Parameter
Already mentioned in the scope of work.
Bidder to comply with the RFP terms
The bidder has to specify the necessary
space and facilities required by them at the
time of installation.
The bidder shall submit details of such Bidder to comply with the RFP terms
performance
parameters
for
the
products / services offered by them
along with the Technical Bid - Part B
and certify them.
Page 14 of 33
Reply to Pre-bid queries for RFP-ISSUE-1/2012 dated 24-01-2012 for END TO END SOLUTION FOR
PERSONALIZATION AND ADMINISTRATION OF ALL TYPE OF DEBIT AND CREDIT CARDS OF VISA/
MASTERCARD/ NPCI and Other Interchange Network
47.
ANNEXURE – C1
Whether prices have to be given each
line item wise i.e. against each pointer.
Bidder to comply with the RFP terms. New
format of Annexure – C1 has been
published along with the same document.
48.
Point number 13.1,
Format of Technical Bid
Part A, Page number 15.
Power of Attorney / authorization with
the seal of the bidder’s company / firm
in the name of the person signing the
tender documents. Kindly provide the
format if any.
Standard format may be used for the
same.
49
13.1
FORMAT
OF PERT Chart to be submitted to the bank
TECHNICAL BID PART-B detailing functionality of different
activities / and period proposed as per
the RFP Kindly elaborate and also
provide format if any.
Standard format may be used for the
same.
48.
INTERFACES,
Will be shared with the selected bidder.
Kindly elaborate
Page Number 22., point
number 26.1
The selected bidder will be
responsible
for
maintaining the interfaces
required
with
other
software of the Bank.
Page Number 22, Point
number 26.3
Such interfaces have to be
delivered to the Bank
Page 15 of 33
Reply to Pre-bid queries for RFP-ISSUE-1/2012 dated 24-01-2012 for END TO END SOLUTION FOR
PERSONALIZATION AND ADMINISTRATION OF ALL TYPE OF DEBIT AND CREDIT CARDS OF VISA/
MASTERCARD/ NPCI and Other Interchange Network
along with the customized
software solution.
49.
Page Number 40, Point Indent printing / laser printing are the
Number 2.3
technology used for personalization of
Nature of Printing
cards. Personalization on front and
reverse side are already mentioned as
point number 2.1 and 2.2. Kindly
confirm about point number 2.3
Technology should be used as per the
standard of VISA/ MasterCard/ NPCI and
other Interchange Network.
50
Page Number 47, Point Kindly elaborate
Number 1.2
Will be shared with the selected bidder.
51
Digitization/ Data Entry of
all type of Card application
along with photo and other
annexure and make them
available to Bank in the
web based application
Point number 1.3 Page No Kindly
confirm
data
for
card Bank confirms the understanding
47
personalization to be generated by
vendor (embossing file & PIN )
Submission of the data for
all type of embossed
cards to bank in the format
asked by the bank for
further dispatch to ATM
Switch for card activation.
Point number 1.9 Page No
48
Page 16 of 33
Reply to Pre-bid queries for RFP-ISSUE-1/2012 dated 24-01-2012 for END TO END SOLUTION FOR
PERSONALIZATION AND ADMINISTRATION OF ALL TYPE OF DEBIT AND CREDIT CARDS OF VISA/
MASTERCARD/ NPCI and Other Interchange Network
Printing
of
PIN
stationeries,
generation
and printing of PINs,
inclusive of duplicate (regenerated) PIN, when
required. Bidders should
be able to support HSM
based PIN printing if
needed.
50.
Page Number 49, Point
Number 1.12
Return card management
has to be handled by the
selected
bidder
and
access to bidder return
card
management
software
has to be
provided to bank for
updating the record for
customer and to know the
status of the customer
application
Kindly elaborate
51.
Page Number 49- 50-51 , 1) Query-resolution to branches/CO/
Point Number 1.15 and
HO through telephone/email.
1.16 and 1.20
Queries will normally be for status of
Card and PIN issuance/ dispatch
and delivery Kindly elaborate
Will be shared with the selected bidder.
1. Call centre support should be available
during the bank office hours.
Page 17 of 33
Reply to Pre-bid queries for RFP-ISSUE-1/2012 dated 24-01-2012 for END TO END SOLUTION FOR
PERSONALIZATION AND ADMINISTRATION OF ALL TYPE OF DEBIT AND CREDIT CARDS OF VISA/
MASTERCARD/ NPCI and Other Interchange Network
Page Number 64-65
Point Number 1.23
52.
53.
Page Number 52.
2.1 , 2.2
Page Number 53.
2.2
Page Number 54.
2.2
Page Number 54-55.
2.2
General
2) Web-tracking facility for status of
2. Bidder to comply with the RFP scope of
card to customers/branches/ CO/
work. Facility should be available to
HO with different level access rights
Branch/ CO/HO.
to branches, CO/ HO. Kindly
elaborate
.
3) Costs of software/modifications for
existing as well as new cards
3. Bidder to comply with the RFP terms
introduced by Bank in future based
on the new products launched by
Bank from time to time, connectivity
etc will be borne by finally selected
Bidder. Kindly elaborate
, The proposed Software Solution to Card Will be shared with the selected bidder.
Division to be provided by the Selected
bidder must comply with the various
Security Policies / Guidelines issued by
the Bank and RBI / IBA etc. from time to
time. Kindly elaborate
point 1) Envelope (Debit card/Credit card
kindly elaborate/specify and qty.
point
2) 1/24 RA1 size folded to 1/48 paper point
130 gsm, cover - 130 gsm/text.
kindly specify the size/paper and col
point
and qty
1.
If we don't do PIN generation, can
we have a tie-up with someone in
Chennai to generate the PIN who
Already mentioned in the RFP. Present
Sample may be collected by bidders for
information and reference.
1. Bidder to comply with the RFP terms
Page 18 of 33
Reply to Pre-bid queries for RFP-ISSUE-1/2012 dated 24-01-2012 for END TO END SOLUTION FOR
PERSONALIZATION AND ADMINISTRATION OF ALL TYPE OF DEBIT AND CREDIT CARDS OF VISA/
MASTERCARD/ NPCI and Other Interchange Network
2.
3.
4.
5.
6.
7.
8.
9.
10.
has HSM?
What will be the per day volume for
Debit and Credit card?
When this project will start?
On the EMV card - we need to know
the type of chip, memory size, type
of authentication, Visa or MC,
applications you want to load on the
chip, quantity - This is for the card
printing.
For the EMV personalization - we
need to know the scripting you need
and data you want to write on the
chip
Whether courier will be nominated
by you?
What will be card design for Debit
and Credit Cards?
Point 25.8 - Since this is service and
not a product as such, how does we
demonstrate. Please clarify whether
it is presentation of the process. We
need at least 1 week notice to plan
Performance Guarantee period is
too long. Can it be for one year?
Also we don't know the total actual
volume of card to calculate the final
amount for the performance
guarantee.
You have mentioned 40 Lakh cards
and 50,000 credit card per year. Out
2. Projection mentioned in the annexure –
C1 published along with this document
3. Implementation schedule mentioned in
the RFP. Bidder to comply with the
RFP terms
4. Replied in response of query no 30
5. Replied in response of query no 30
6. Bidder to comply with the RFP terms
7. Will be shared with the select bidder.
8. Bank confirms the understanding
9. Bidder to comply with the RFP terms.
Projection will be as per the details
mentioned in the commercial bid
enclosed with this document.
10. Projection mentioned in the annexure
–C1 published along with this
document
Page 19 of 33
Reply to Pre-bid queries for RFP-ISSUE-1/2012 dated 24-01-2012 for END TO END SOLUTION FOR
PERSONALIZATION AND ADMINISTRATION OF ALL TYPE OF DEBIT AND CREDIT CARDS OF VISA/
MASTERCARD/ NPCI and Other Interchange Network
of this how many will be Visa, MC,
Photo, Non Photo and RUPAY?
What will be per day personalization
required? We will have to first print
the plastics for which we need to
know the quantity as we cannot print
based on the daily personalization
volume. This has to be bulk
production. Can we raise the invoice
for the cards we printed and then for
personalization it will monthly
invoice? What if the projected
quantity is less?
55.
56.
General
This clause narrowly inviting only two
vendor to participate in your Global
The Company must be a Tender. This clause should be removed
Registered Corporation / to give fair chances for all the vendors.
Company / Office in India
and should have office in
Bangalore as on date of
submission of the bid.
General
This clause would again limit the vendor
to participate in this tender activity.
The bidder or holding
Request you to remove this clause. Or
company should have
allow us to share our group (dz group)
minimum annual average
balance sheet.
sales of Rs. 50.00 Crores
in the last three
consecutive financial
years The copies of
Bidder to comply with RFP terms
Bidder to comply with RFP terms
Page 20 of 33
Reply to Pre-bid queries for RFP-ISSUE-1/2012 dated 24-01-2012 for END TO END SOLUTION FOR
PERSONALIZATION AND ADMINISTRATION OF ALL TYPE OF DEBIT AND CREDIT CARDS OF VISA/
MASTERCARD/ NPCI and Other Interchange Network
audited Profit & Loss
accounts and Balance
Sheets, the latest being
not earlier than F.Y. 201011 with auditor’s note to
be submitted.
57.
Security
The bidder should be
certified for PCI-DSS
ISMS for data security.
58.
General
The bidder should
purchase our existing two
embossing machines,
Plastic of Debit / Credit
Cards and other related
stationeries under buy
back mode as per
mutually agreed rate.
59.
General
Digitization/ Data Entry of
all type of Card application
along with photo and other
annexure and make them
available to Bank in the
All the requirements and log laid by
PCI-DSS is covered under Visa/ Master
Card guide line.
Already replied in response of Query 5.
Please specify the type of Machine,
Year of Manufacture, and other
Machine details. Also specify the plastic
Already replied in response of Query 8.
Seeking more clarification on the scope
of work of Data entry for Card
application/ Digitization of application.
Bidder to comply with the RFP terms as
per the scope of work.
Page 21 of 33
Reply to Pre-bid queries for RFP-ISSUE-1/2012 dated 24-01-2012 for END TO END SOLUTION FOR
PERSONALIZATION AND ADMINISTRATION OF ALL TYPE OF DEBIT AND CREDIT CARDS OF VISA/
MASTERCARD/ NPCI and Other Interchange Network
web based application
asked in the point 1
Place: Bangalore
Date:
Deputy General Manager
Page 22 of 33
Reply to Pre-bid queries for RFP-ISSUE-1/2012 dated 24-01-2012 for END TO END SOLUTION FOR
PERSONALIZATION AND ADMINISTRATION OF ALL TYPE OF DEBIT AND CREDIT CARDS OF VISA/
MASTERCARD/ NPCI and Other Interchange Network
ANNEXURE – C1
NEW FORMAT FOR COMMERCIAL BID/ PRICE SCHEDULE
Note:
1. This bill of material must be attached in Technical Offer as well as commercial offer. The Format will be identical for
both technical and commercial offers, except that the technical Offer should not contain any price information. Technical
offers without the bill of material will be liable for rejection.
2. Vendor must take care in filling price information only in the commercial offer, and ensure that there are no
typographical or arithmetic errors. All fields must be filled up correctly.
Sr.
No.
1
Services offered
Personalized Debit Cards with Photo





Item Price /Per
card rate without
tax
Taxes at
present
rate
(A)
(B)
Total
Price
(in Rs.
per
card)
(C =A+B)
VISA Card
Projection/
Rupay Card
projection
MasterCard
Projection
20000
5000
Procurement of plastics, PIN
mailer
Data entry for Card application/
Digitisation of application
PIN mailer printing
Stationary printing
Card
Personalization
and
administration
including return
courier management
Page 23 of 33
Reply to Pre-bid queries for RFP-ISSUE-1/2012 dated 24-01-2012 for END TO END SOLUTION FOR
PERSONALIZATION AND ADMINISTRATION OF ALL TYPE OF DEBIT AND CREDIT CARDS OF VISA/
MASTERCARD/ NPCI and Other Interchange Network
2
3
Personalized Debit Cards without photo
including ATM Admin cards,
 Procurement of plastics, PIN
mailer
 Data entry for Card application/
Digitisation of application
 PIN mailer printing
 Stationary printing
 Card
Personalization
and
administration
including return
courier management
Non - Personalized cards without photo





4


200000
2000000
500000
10000
2000
Procurement of plastics, PIN
mailer
Data entry for Card application/
Digitisation of application
PIN mailer printing
Stationary printing
Card
Personalization
and
administration
including return
courier management
Personalized Credit card with photo

1300000
Procurement of plastics, PIN
mailer
Data entry for Card application/
Digitisation of application
PIN mailer printing
Page 24 of 33
Reply to Pre-bid queries for RFP-ISSUE-1/2012 dated 24-01-2012 for END TO END SOLUTION FOR
PERSONALIZATION AND ADMINISTRATION OF ALL TYPE OF DEBIT AND CREDIT CARDS OF VISA/
MASTERCARD/ NPCI and Other Interchange Network


5
Personalized Credit card without photo





6
Stationary printing
Card
Personalization
and
administration
including return
courier management




3000
50000
-
Procurement of plastics, PIN
mailer
Data entry for Card application/
Digitisation of application
PIN mailer printing
Stationary printing
Card
Personalization
and
administration
including return
courier management
Rupay Cards with & without Photo

35000
Procurement of plastics, PIN
mailer
Data entry for Card application/
Digitisation of application
PIN mailer printing
Stationary printing
Card
Personalization
and
administration
including return
courier management
Page 25 of 33
Reply to Pre-bid queries for RFP-ISSUE-1/2012 dated 24-01-2012 for END TO END SOLUTION FOR
PERSONALIZATION AND ADMINISTRATION OF ALL TYPE OF DEBIT AND CREDIT CARDS OF VISA/
MASTERCARD/ NPCI and Other Interchange Network
7
EMV Cards with & without Photo
500000
100000
-
-
-
-

Procurement of plastics with bank
approved CHIP, PIN mailer
 Data entry for Card application/
Digitisation of application
 PIN mailer printing
 Stationary printing
 Card
Personalization
and
administration
including return
courier management
Total (1+2+3+4+5+6+7)
8
9
Buy Back Price for the two embossing
machines
(i)
ZT 10 – 583781 Matica Card
Embossing Machine
DOP: 22.09.2005
OCP: 24,75,000.00
AMC Start Date: 11.10.2006
(ii)
ZT20 - 7075393 Matica Card
Embossing Machine
DOP: 17.08.2007
OCP: 46,28,000.00
AMC Start Date: 17.08.2008
Leased line connectivity (2MBPS) with
back up line
-
-
-
Page 26 of 33
Reply to Pre-bid queries for RFP-ISSUE-1/2012 dated 24-01-2012 for END TO END SOLUTION FOR
PERSONALIZATION AND ADMINISTRATION OF ALL TYPE OF DEBIT AND CREDIT CARDS OF VISA/
MASTERCARD/ NPCI and Other Interchange Network
1. Vendor has to quote the prices for the two embossing machines under buy back arrangement. But prices only quoted
under Sr No 1 to 7 will be considered for determining the commercial price. However, the bidder should purchase our
existing two embossing machines under buy back mode as per mutually agreed rate above the commercial rate
quoted in the commercial bid.
2. Charges for sending cards to customers by courier will be paid separately by the bank and this should not be included
in the quote.
3. The order for all activities (Plastic procurement, Personalization, Supply of Welcome Kits & Administration) for both the
type of cards (VISA, MasterCard, NPCI and other interchange network) will be given only to a single vendor, qualifying
in the technical evaluation by the Bank and quoting lowest in the commercial offer computed on total cost basis (cost
of plastic procurement, cost of Personalization/Administration and cost of welcome kit Printing) for both types of card
and welcome kit together.
4. Bank is having the ambitious plan of issuing around 40 lakhs debit cards per year and around 50 thousands credit
cards per year. However, it has also to be noted that mentioned statistics may vary depending upon the business
prospective and other eventualities.
Page 27 of 33
Reply to Pre-bid queries for RFP-ISSUE-1/2012 dated 24-01-2012 for END TO END SOLUTION FOR
PERSONALIZATION AND ADMINISTRATION OF ALL TYPE OF DEBIT AND CREDIT CARDS OF VISA/
MASTERCARD/ NPCI and Other Interchange Network
MODIFIED CLAUSE FOR DETERMINATION OF THE L-1 PRICE & PRICE BID EVALUATION
3.1 EVALUATION OF BIDS:
3.1.1 The Technical Bids will be evaluated based on the Bidder’s ability to match the technical requirements and
functional requirements as specified in (Annexure-B1 and Annexure B2 respectively) followed by evaluation based on any
or all of demos, presentation, site visit and supporting documents. Detailed evaluation criterion is covered in the next
section of this document.
3.1.2 The Commercial Bids will be evaluated based as per price schedule (Annexure-C1)
3.2 EVALUATION PROCEDURE
3.2.1 This RFP is looking for responses that explain clearly the deliverables offered in terms of functionality, technology
and time frame required for deployment, which is convincing in terms of practicality, feasibility, cost effectiveness and
overall benefit to the Bank.
3.2.2 In response to this RFP, Bank is expecting sufficient information to allow a complete analysis and evaluation of
bidder’s capability and experience to focus on challenges in the field of end to end process of card procurement,
Personalization of cards, Printing of PIN mailer, Welcome kit generation, Administration of all variant of cards and other
functionalities mentioned in Functional Requirements of RFP.
3.2.3 All bids shall be evaluated by an Evaluation Committee set up for this purpose by the Bank. The evaluation shall be
on the basis of technical competence and the price quoted. The Technical Evaluation and the Commercial Evaluation
shall have the weightages of 50% and 50% respectively, and this weightage shall be taken into consideration for arriving
at the Successful Bidder. The assessment methodology is covered in the next section:
3.2.4 Technical Evaluation (TA)
Page 28 of 33
Reply to Pre-bid queries for RFP-ISSUE-1/2012 dated 24-01-2012 for END TO END SOLUTION FOR
PERSONALIZATION AND ADMINISTRATION OF ALL TYPE OF DEBIT AND CREDIT CARDS OF VISA/
MASTERCARD/ NPCI and Other Interchange Network
Out of the 50 marks, Allocation would be as under:
(a) Technical Proposal Evaluation (TPE) would carry 30 marks secured on the basis of the Bidder’s response to the
Functional Requirements (In Annexure B2) and Technical Requirements (In Annexure B1) Part of the RFP.
(b) Technical Credential Evaluation (TCE) would carry 20 marks secured on the basis of any or all of the Bidder’s
presentation, demo or supporting documents
3.2.4.1
Technical Proposal Evaluation (TPE):
a) Functional and Technical Requirement Evaluation (FRE):
Bank has classified each of the Functional Requirements as “MOST CRITICAL” and will be shown as values under
the column BANK RATING.
All bank Requirements has been marked as “Most Critical”.
Value for classification under BANK RATING is as under:
BANK RATING
MOST
CRITICAL
VALUE
2
The Vendors is required to indicate “Feature Readily Available” or “Feature Customizable” under the
column “VENDOR RESPONSE” for each of the functional & Technical requirement. Bank will assign the
VENDOR SCORE as per the table below for each of the VENDOR RESPONSE indicated for the purpose of
evaluation.
DESCRIPTION
FEATURE READILY AVAILABLE
FEATURE CUSTOMISABLE
VENDOR
SCORE
3
2
Page 29 of 33
Reply to Pre-bid queries for RFP-ISSUE-1/2012 dated 24-01-2012 for END TO END SOLUTION FOR
PERSONALIZATION AND ADMINISTRATION OF ALL TYPE OF DEBIT AND CREDIT CARDS OF VISA/
MASTERCARD/ NPCI and Other Interchange Network
Here,
Features Readily Available would mean features are readily available and should be provided by the bidder.
Feature Customizable would mean that the features can be provided after customization at no additional cost and
before going live.
Bidder may note that the vendor score will be reduced by the Bank at the time of Technical Credential
Evaluation, if found that what the bidder has declared is in contravention to what is available in the
solution. This rating by the Bank based on the actual availability of the features will be final and binding on
all bidders.
The score obtained for a requirement (R1) can be calculated by using the formula:
T1R1= BR1 X VS1
Where T1R1 is the total score for requirement R1
BR1 is the Value assigned to the Bank Rating for requirement R1 (Most Critical – 2 marks)
VS1 is the vendor score for requirement R1 evaluated and finalized by the Bank (Feature Readily
Available – 3 marks and Feature Customizable – 2 marks)
Similiarly T2R2, T3R3… TNRN will be computed.
Total marks for the functional requirement as a whole is calculated by summing up total marks obtained for each
requirement.
Thus TOTAL MARKS (TMF) = T1R1+ T2R2 + T3R3 + …. + TNRN
3.2.4.1.1
Technical Credential Evaluation (TCE):
Page 30 of 33
Reply to Pre-bid queries for RFP-ISSUE-1/2012 dated 24-01-2012 for END TO END SOLUTION FOR
PERSONALIZATION AND ADMINISTRATION OF ALL TYPE OF DEBIT AND CREDIT CARDS OF VISA/
MASTERCARD/ NPCI and Other Interchange Network
The credential of the bidder would be rated by the evaluation committee based on a questionnaire and the demos,
presentations, site visit and supporting documents would be considered. 20 Marks is allocated for this category.
Under this evaluation,
1. Demos, Presentation, Site Visit and supporting documents would be considered for evaluation of Bids. The Bank
would request the Vendors to present and demonstrate the solution proposed.
2. Written reply, if any, submitted in response to the clarification sought by the Bank will be reviewed.
3. To assist in the examination, evaluation and comparison of bids Bank may, at its discretion, ask any or all the
Bidders for clarification and response shall be in writing and no change in the price or substance of the bid shall be
sought, offered or permitted.
Total Marks under credential evaluation (TMC) will be allotted based on the bidder’s performance under this category.
3.2.4.1.2
Total for Technical Evaluation
The marks obtained (TMF and TMC) by each bidder under the above categories will be added to arrive at the
total marks scored by each bidder under Technical Assessment.
Full marks (50 marks) will be allotted to the Bidder who secures the highest marks.
While the highest bidder will get 50 marks, other Bidders will be awarded in proportion to the marks scored in
relation to the highest bidder. Thus the other bidders will get marks < 50.
Technical Score (TS) = Bidder Technical score/Max (Bidder Technical score)*50
Example: If bidder A scores – 480 marks and bidder B scores – 240 marks, bidder A will be allotted 50 marks on
the grounds that he has scored highest marks in Technical Evaluation. Marks obtained by bidder B will be in
relation to the highest marks obtained by bidder A (i.e. 50)
Bidder B will obtain:
Page 31 of 33
Reply to Pre-bid queries for RFP-ISSUE-1/2012 dated 24-01-2012 for END TO END SOLUTION FOR
PERSONALIZATION AND ADMINISTRATION OF ALL TYPE OF DEBIT AND CREDIT CARDS OF VISA/
MASTERCARD/ NPCI and Other Interchange Network
Technical Score = 240/480*50 = 25 marks
The bidder scoring more than 60% of the total technical score (i.e. 50) will be technically qualified and
eligible for commercial bid opening.
3.2.4.2
Commercial Assessment (CA)
In case of Commercial Evaluation of Proposal, Full marks (50 marks) will be allotted to the Bidder who quotes the
lowest financial proposal (LP)
While the bidder with lowest financial proposal (LP) will get a financial score (FS) of 50 marks, other Bidders will
be awarded in proportion to the marks scored in relation to the bidder with the lowest quote. Thus the other
bidders will get marks < 50.
The Financial scores (FS) of all other bids will be determined by the formula:
FS=LP/F * 50 (Where F is the Financial Proposal quoted by this bidder)
For ex: If Bidder A quotes Rs.150 and Bidder B quote Rs.50, Bidder B will be allotted 50 Marks on the ground
that he is the lowest bidder. Bidder A will get (Inversely Proportional)
FS = 50/150*50= 16.67 marks
3.2.4.3
Overall Assessment for calculation of Successful Bidder
Proposals will finally be ranked according to their combined Technical (TA) and Commercial (CA) scores using a
weight of 50% for technical proposal and 50% for financial proposal. The overall score (S) will be computed as
follows:
Page 32 of 33
Reply to Pre-bid queries for RFP-ISSUE-1/2012 dated 24-01-2012 for END TO END SOLUTION FOR
PERSONALIZATION AND ADMINISTRATION OF ALL TYPE OF DEBIT AND CREDIT CARDS OF VISA/
MASTERCARD/ NPCI and Other Interchange Network
S = TA (0.5) + CA (0.5)
The bidder scoring highest marks (S) will be declared as the successful bidder i.e. T1L1
3.2.4.4
3.2.4.5
3.2.4.6
3.2.4.7
All those bidders who have submitted their responses may be required to be in preparedness to make
product demonstration at a very short notice.
The Bank shall communicate the venue, date and time of product demonstration to the bidders
separately. No request for change in date/time shall be entertained after communicating by us. Each
bidder shall be given a maximum of 1 day for demonstration. The bank reserves the right to change the
venue, date, time with due intimation to the Bidders. Bank also reserves the right to give additional time
for the demonstration and also to call for additional demonstration by any or all the bidders.
If a bidder does not come up with the Product Demonstration at the appointed date and time, it will be
construed that bidder is not interested in bidding for the project.
The bidder has to show the capabilities of the solution to meet all the functional requirements
specified in this document.
Page 33 of 33