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					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   RFP Reference/ RFP Clarification Sought                                     Bank's Reply
       Term
1      Eligibility Criteria – 3 We are in the business of end to end               Clause may be read as
       Page No 4                card fulfillment business since last 6
                                years and providing the services for               “Bidder should have a VISA & Master
                                more than 10 institutions. For the Banks           Card/NPCI certified bureau in India having
                                where we are offering end-to-end card              required infrastructure for Debit/ Credit
                                issuance and management services, we               card Personalization or Manufacturing
                                have partnered with VISA/ MasterCard               conforming to all the guidelines issued by
                                certified card manufacturing and                   VISA / MasterCard/ NPCI.
                                personalization bureaus.

                                    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     Further to the point mentioned above,          Bidder to comply with the RFP terms.
       Page no 4                    request that Bank allows bidders to
                                    partner with VISA/ MasterCard certified
                                    card manufactures who would fulfill this
                                    eligibility criteria.

3.     Eligibility Criteria – 6 .   Further to the point mentioned above,          Bidder to comply with the RFP terms.
       Page no 5                    request that Bank allows bidders to
                                    partner with VISA/ MasterCard certified
                                    card manufactures and perso bureaus
                                    who would fulfill this eligibility criteria.




                                                                                                                 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.   Further to the point mentioned above, Bidder to comply with the RFP terms.
     Page no 5                   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
     Page no 5                      bidder being PCI-DSS compliant. this condition.
                                    Kindly confirm.

                                 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,    Further to the point mentioned above, Bidder to comply with the RFP terms.
                                  request that Bank allows bidders to
     Page no 5                    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.

7.   Eligibility Criteria – 10,   Does the Bank expect the bidder to Bidder to comply with the RFP terms.
                                  have a Disaster Recovery arrangement
     Page no 5                    or a fall-back arrangement to cater to
                                  business continuity?

8.   Eligibility Criteria – 12,   1. While the buy-back of card plastics    Bidder to comply with the RFP terms.
                                     and stationery available with the      Details of two embossing machine are as
     Page no 5                       Bank can be considered on mutually     per the following.
                                     agreed rates, request that Bank
                                     relaxes the condition of buy-back of
                                     the existing embossing machines.       (A) ZT 10 – 583781 Matica          Card
                                                                                Embossing Machine
                                  2. The details of the machines                DOP: 22.09.2005
                                     debit/cards should be provided to          OCP: 24,75,000.00
                                     FSS. Details might include the date        AMC Start Date: 11.10.2006
                                     of purchase, cost of purchase, value




                                                                                                        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      Card
                                                                          Embossing Machine
                                                                          DOP: 17.08.2007
                                                                          OCP: 46,28,000.00
                                                                          AMC Start Date: 17.08.2008

                                                                      Bidder has to mention the commercial for
                                                                      two embossing machines along with the
                                                                      commercial bid.

9.    Annexure B2          1. Does bank expect bidder to provide 1. Bidder to comply with the RFP terms.
      Page 47.                the Card management system, to
      Point number 1.1        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          Trust the Bank is referring the Card Bank confirms the understanding. Bidder
      Page 47.             Authorization File (CAF) to be to comply with the RFP terms.
      Point number 1.3     generated     from   bidder’s   card
                           management system for refresh on the
                           Bank’s Switch.

11.   Annexure B2,         Trust the Bank is referring to the Bidder to comply with the RFP terms.
      Page no 47,          bidder’s   card   issuance     and
      1.5                  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                      1. We assume that the application for 1. Bank confirms the understanding
                                      Card management to be hosted in
      Premises    of   application    bidders premises.
      hosting
                                  2. Does the Bank expect the IP for the 2. Bank confirms the understanding
                                     card management system to be
                                     owned by the bidder?

                                  3. Also, assume that the Bank would 3. Evaluation will be done as per the
                                     have relevant weightage for the card     procedure mentioned in the RFP.
                                     management system offered by the
                                     bidder.
13.   General                     Please provide the details as following Mentioned in the commercial bid published
                                                                          with this document.
      Card variants and              1. Volume of cards under each
      projected volume for 3            variant and interchange.
      year contract period           2. Projected volume for next three
                                        years for each variants annually.


14.   General                     Does bank expect to migrate all existing Bidder to comply with the scope of work
      Migration                   card data to new application?            mentioned in the RFP terms.

                                  If yes, what is the card volume variant-
                                  wise 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                   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.
      Credit Card               personalization.

                                Trust the bank will generate Credit
                                cards pin and will do pin printing for
                                credit cards?

                                  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.
16.   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

17.   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 re-
                                PINs.

                                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   Will be shared with the selected bidder.
                                Bank/ branches?

19    Annexure-B2, point 1.5    What checks are expected for the        Will be shared with the selected bidder.
                                same?

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.   Annexure-B2, point 1.16   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?
22.   General                   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.   General                  How does the Bank want to handle the         Bidder to comply with the RFP terms/
                               various fees like issuance fee, annual       scope of work
                               fees to be handled in the card
                               management application?
24.   General.                 Does bank require the bidder to provide      Bidder to comply with the RFP terms/
                               functionality   to     support    loyalty    scope of work
                               programs?
25.   Annexure-B2, point 2.5   In PIN mailer bank is mentioning about       Bidder to comply with the RFP terms/
                               separate content in Original & Duplicate     scope of work
                               copy, and in Hindi & English, We
                               assume bank is referring to the content
                               as a pre-printed stationary.
26.   Annexure-B2, point 2.1 / Request Bank to provide samples of all       Samples are available at bank for
      2.2                      card plastics and stationery referred in     collection. Bidder may collect the same
                               the RFP.                                     from bank.

27.   Annexure-C1    and   point While the commercial template provides Bidder to comply with the RFP terms
      1.2.4.4                    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   1. EMV cards should have 16K chip
                              EMV cards? In terms of capacity and      onwards compatibility along with &
                              what     type   and   how     many       DDA option.
                              applications bank is expecting to
                              have on card? Is bank also
                              expecting the combo card along with
                              the chip cards?

                           2. What     kind     of  cryptographic   2. DDA support is expected.
                              functionality   (SDA/    DDA)    is
                              expected?

                           3. What kind of contact (Wire bond,      3. As per the VISA/ MasterCard/ NPCI
                              Gold, 6 or 8 contact) chip is            EMV CHIP specification.
                              expected?

                           4. Does the Bank expect any specific     4. As per the VISA/ MasterCard/ NPCI
                              EMV crypto algorithm (Triple DES,        EMV CHIP specification.
                              RSA, etc.,)

                           5. When is the bank expecting to start   5. Mentioned in the new commercial
                              issuing the EMV cards and what are       format enclosed with this document.
                              the volumes expected to be issued
                              on an annual basis?

                           6. Owing to price considerations,        6. Mentioned in the new commercial
                              request the bank to provide the          format enclosed with this document.
                              minimum order quantity for each
                              type of card.




                                                                                              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:   Bidder to comply with the RFP terms/
                                   1. Reissuance of debit card             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   What is meant by present commitment? Bidder to comply with the RFP terms/
      Bid Part A                 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    What is the completion schedule? This Bidder to comply with the RFP terms
      for delay                  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

      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.

36.   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          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
38.   34. Guarantees         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     Bidder to comply with the RFP terms
                                required?

41.   2.9 Information           Who will bear the cost of dedicated     Already explained in the RFP. Bidder to
      System                    connectivity                            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     1) Bank should share the secure         Bidder to comply with the RFP terms
      5.1, 5.9                     configuration document upfront as
                                   this might have a cost impact.




                                                                                                        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,   Functional 1) Scope should be clearly specified by   Already mentioned in the scope of work.
      Requirements                 the bank as each scope items carry     Bidder to comply with the RFP terms
                                   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     The bidder has to specify the necessary
      period                    RFP. Kindly let us know what is           space and facilities required by them at the
                                required to be provided.                  time of installation.

46.   Performance Parameter      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        Bidder to comply with the RFP terms. New
                                     line item wise i.e. against each pointer.   format of Annexure – C1 has been
                                                                                 published along with the same document.

48.   Point number 13.1,             Power of Attorney / authorization with      Standard format may be used for the
      Format of Technical Bid        the seal of the bidder’s company / firm     same.
      Part A, Page number 15.        in the name of the person signing the
                                     tender documents. Kindly provide the
                                     format if any.

49    13.1   FORMAT     OF PERT Chart to be submitted to the bank                Standard format may be used for the
      TECHNICAL BID PART-B detailing functionality of different                  same.
                           activities / and period proposed as per
                           the RFP Kindly elaborate and also
                           provide format if any.

48.   INTERFACES,                    Kindly elaborate                            Will be shared with the selected bidder.

      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    Technology should be used as per the
      Number 2.3            technology used for personalization of      standard of VISA/ MasterCard/ NPCI and
      Nature of Printing    cards. Personalization on front and         other Interchange Network.
                            reverse side are already mentioned as
                            point number 2.1 and 2.2. Kindly
                            confirm about point number 2.3

50    Page Number 47, Point Kindly elaborate                            Will be shared with the selected bidder.
      Number 1.2

      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
51    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 (re-
      generated) PIN, when
      required. Bidders should
      be able to support HSM
      based PIN printing if
      needed.

50.   Page Number 49, Point         Kindly elaborate                      Will be shared with the selected bidder.
      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

51.   Page Number 49- 50-51 , 1) Query-resolution to branches/CO/         1. Call centre support should be available
      Point Number 1.15 and      HO through telephone/email.                 during the bank office hours.
      1.16 and 1.20              Queries will normally be for status of
                                 Card and PIN issuance/ dispatch
                                 and delivery Kindly elaborate




                                                                                                         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

                                 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
      Page Number 64-65        , The proposed Software Solution to Card Will be shared with the selected bidder.
      Point Number 1.23          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

52.   Page Number 52.      point 1) Envelope (Debit card/Credit card        Already mentioned in the RFP. Present
      2.1 , 2.2                     kindly elaborate/specify and qty.       Sample may be collected by bidders for
      Page Number 53.      point                                            information and reference.
      2.2                        2) 1/24 RA1 size folded to 1/48 paper -
      Page Number 54.      point    130 gsm, cover - 130 gsm/text.
      2.2                           kindly specify the size/paper and col
      Page Number 54-55.   point    and qty
      2.2
53.   General                    1.   If we don't do PIN generation, can    1. Bidder to comply with the RFP terms
                                      we have a tie-up with someone in
                                      Chennai to generate the PIN who



                                                                                                        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

                                 has HSM?                                 2. Projection mentioned in the annexure –
                           2.    What will be the per day volume for         C1 published along with this document
                                 Debit and Credit card?
                           3.    When this project will start?            3. Implementation schedule mentioned in
                           4.    On the EMV card - we need to know           the RFP. Bidder to comply with the
                                 the type of chip, memory size, type         RFP terms
                                 of authentication, Visa or MC,
                                 applications you want to load on the     4. Replied in response of query no 30
                                 chip, quantity - This is for the card
                                 printing.
                           5.    For the EMV personalization - we         5. Replied in response of query no 30
                                 need to know the scripting you need
                                 and data you want to write on the        6. Bidder to comply with the RFP terms
                                 chip
                           6.    Whether courier will be nominated
                                 by you?                                  7. Will be shared with the select bidder.
                           7.    What will be card design for Debit
                                 and Credit Cards?
                           8.    Point 25.8 - Since this is service and   8. Bank confirms the understanding
                                 not a product as such, how does we
                                 demonstrate. Please clarify whether
                                 it is presentation of the process. We    9. Bidder to comply with the RFP terms.
                                 need at least 1 week notice to plan         Projection will be as per the details
                           9.    Performance Guarantee period is             mentioned in the commercial bid
                                 too long. Can it be for one year?           enclosed with this document.
                                 Also we don't know the total actual
                                 volume of card to calculate the final    10. Projection mentioned in the annexure
                                 amount for the performance                  –C1 published along with this
                                 guarantee.                                  document
                           10.   You have mentioned 40 Lakh cards
                                 and 50,000 credit card per year. Out



                                                                                                         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.   General                   This clause narrowly inviting only two      Bidder to comply with RFP terms
                                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.
56.   General                   This clause would again limit the vendor    Bidder to comply with RFP terms
                                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



                                                                                                        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. 2010-
      11 with auditor’s note to
      be submitted.

57.   Security                       All the requirements and log laid by        Already replied in response of Query 5.
                                     PCI-DSS is covered under Visa/ Master
      The bidder should be           Card guide line.
      certified for PCI-DSS
      ISMS for data security.

58.   General                        Please specify the type of Machine,         Already replied in response of Query 8.
                                     Year of Manufacture, and other
      The bidder should              Machine details. Also specify the plastic
      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                        Seeking more clarification on the scope     Bidder to comply with the RFP terms as
                                     of work of Data entry for Card              per the scope of work.
      Digitization/ Data Entry of    application/ Digitization of application.
      all type of Card application
      along with photo and other
      annexure and make them
      available to Bank in the



                                                                                                               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.     Services offered                             Item Price /Per     Taxes at   Total      VISA Card     MasterCard
No.                                                  card rate without   present    Price      Projection/   Projection
                                                     tax                 rate       (in Rs.    Rupay Card
                                                                                    per        projection
                                                                                    card)
                                                     (A)                 (B)        (C =A+B)
1       Personalized Debit Cards with Photo                                                    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    Personalized Debit Cards without photo                         1300000    200000
     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
3    Non - Personalized cards without photo                         2000000    500000

           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

4    Personalized Credit card with photo                            10000      2000

           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

           Stationary printing
           Card      Personalization      and
            administration     including return
            courier management

5    Personalized Credit card without photo                         35000      3000

           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

6    Rupay Cards with & without Photo                               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




                                                                                   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     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

9     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           VALUE
                                          MOST                    2
                                          CRITICAL

      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                   VENDOR
                                                                        SCORE
                                 FEATURE READILY AVAILABLE                   3
                                   FEATURE CUSTOMISABLE                      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   All those bidders who have submitted their responses may be required to be in preparedness to make
                product demonstration at a very short notice.
      3.2.4.5   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.
      3.2.4.6   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.
      3.2.4.7   The bidder has to show the capabilities of the solution to meet all the functional requirements
                specified in this document.




                                                                                                             Page 33 of 33

				
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