BOBCARD
BOBCARD offers an extensive range of credit cards designed to suit every lifestyle and spending category, ensuring there’s a perfect card for everyone. Whether you’re a frequent traveler, a shopping enthusiast, a fuel saver, or someone seeking premium privileges, BOBCARD brings you unmatched benefits, including exclusive memberships, exciting deals, accelerated rewards, and cashback offers that deliver exceptional value on your spending. You can select the ideal BOBCARD based on your spending habits, repayment capacity, and eligibility
BOBCARD
BOBCARD, a Non-Banking Financial Company (NBFC), was established in 1994 with the aim to help people upgrade their lifestyles with unique credit card solutions. It is wholly owned subsidiary of Bank of Baroda and has established itself as a pioneer in the credit card space. BOBCARD offers a variety of consumer as well as commercial credit cards to cater to the varied needs of all segments of customers, including ETERNA, PREMIER, SELECT, EASY, TIARA and more. BOBCARDs can be easily availed through the digital-all application process. The BOBCARD Credit Cards are issued at a nominal fee, and the interest charged is also competitive. There are innumerable benefits to the card, and its global acceptance makes it all the more attractive.
Type of BOBCARD Credit Cards
Here is the list of the best BOBCARD Credit Cards:
- BOBCARD EASY
- BOBCARD SELECT
- BOBCARD PREMIER
- BOBCARD TIARA
- BOBCARD ETERNA
Features & Benefits of BOBCARD
The following are the features and benefits of the BOBCARDs.
- EMI option: The purchases on the card can be converted into EMI and paid in easy instalments. The rate of interest charged is nominal.
- Fuel surcharge: Waiver of fuel surcharge at all petrol stations across the country.
- Add-on cards: The add-on card facility for your family member is given without any joining or annual fee.
- Insurance cover: Various insurance covers are available for free.
- Purchase protection: Zero Liability on fraudulent transactions on lost/stolen card if reported immediately
- Worldwide acceptability: BOBCARD comes in collaboration with Visa or MasterCard as a payment gateway. These are accepted worldwide.
- Lucrative Reward points: Every BOBCARD credit card allows you to earn lucrative reward points that can be redeemed for cashback.
- Additional benefits: In addition to rewarding points, the BOBCARD credit card offers benefits like fuel waiver, complimentary lounge access, etc.
- Wide range: The BOBCARD covers an entire spectrum of customer needs. So whether it’s the BOBCARD Eterna Credit Card for the affluent few or the BOBCARD Easy & Select for the basic credit card users, there’s something for everyone.
- Fee waiver: BOBCARD credit card offers a join fee and annual fee waiver, subject to minimum spending per year.
- Easy EMI option: BOBCARD allows you to convert your credit card spend into easy EMIs at the lowest rate of interest.
- 24/7 customer care service: The representatives of the BOBCARD are always there to help you in times of need. BOBCARD credit card customer care can be reached 24X7 for assistance.
- Easy payment options: Payment for a BOBCARD credit card outstanding can be made through several channels. Choose the most convenient mode of payment to pay back bills on time.
Note: For more details on Product & Features, you can visit BOBCARD’s official website.
Key Features of BOBCARD product variants
| Card Name | Features |
|---|---|
| BOBCARD EASY |
|
| BOBCARD SELECT |
|
| BOBCARD PREMIER |
|
| BOBCARD TIARA |
|
| BOBCARD ETERNA |
|
BOBCARD Reward Points
| Card Name | Rewards |
|---|---|
| BOBCARD EASY |
|
| BOBCARD SELECT |
|
| BOBCARD PREMIER |
|
| BOBCARD TIARA |
|
| BOBCARD ETERNA |
|
BOBCARD Fees
| Card Name | Joining Fee | Annual Fee |
| BOBCARD EASY | Joining fee of ₹500 + GST is waived on spending ₹6,000 within the first 60 days from card activation date. | Annual fee of ₹500 + GST is waived on an annual spend of ₹35,000 |
| BOBCARD SELECT | Joining fee of ₹750 + GST is waived on spending ₹7,500 within 60 days from the card activation. | Annual fee of ₹750 + GST is waived on spending ₹70,000 in the previous year |
| BOBCARD PREMIER | Joining fee of ₹1,000 + GST is waived on spending ₹10,000 within 60 days of card activation. | Annual fee of ₹1,000 + GST is waived on an annual spend of ₹1.20 Lakhs. |
| BOBCARD TIARA | Joining fee of ₹2,499 + GST is reversed if you spend ₹25,000 in the first 60 days. | Spend ₹2,50,000 in a year to get the annual fee waived for the next year |
| BOBCARD ETERNA | Joining fee of ₹2,499 + GST is waived if you spend ₹25,000 in the first 60 days. | Annual fee of ₹2,499 + GST for the next year is waived if you spend ₹2,50,000 or more in the previous card anniversary year |
Tariff & Charges in BOBCARD
| Charge Type | Details |
|---|---|
| Cash Withdrawal Fee | 2.50% of the withdrawn amount or ₹500 (whichever is higher) |
| Finance Charges |
|
| Duplicate Statement Fee | ₹25 per bill |
| Cheque Return Charges/ Auto Debit/SI Bounce Fee | 2% of the payment amount (minimum ₹500) |
| Cash Payment Processing Fee | ₹250 for every cash payment |
| Cheque Payment Processing Fee | ₹100 for every cheque payment |
| Credit Limit Exceeding Charges | 2.5% of the amount exceeding the sanctioned credit limit or ₹600, whichever is higher |
| Card Replacement Fee | ₹100 per card |
| Charge Slip Retrieval Fee | ₹250 per slip |
| Foreign Currency Mark-up Fee |
|
| Processing Fee on Rent Payments, Wallet Loading, Utility & Fuel Transactions | 1% |
| Late Payment Charges |
|
How to Apply for a BOBCARD
How to Apply for BOBCARD through the Official Website
Below are the steps to apply for a BOBCARD through the official BOBCARD website.
For new customers
- Log in to the official website of the BOBCARD and select your preferred credit card under the ‘View Cards’ section.
- Fill online application form by providing your details like name, contact address, mobile number, email id, qualification, income details, employment details, marital status, etc.
- e-Sign using your Aadhaar.
- Verify your identity through video-KYC.
Steps to apply for the card through MyMoneyMantra
Using the digital platform provided by MyMoneyMantra, you can apply for the card.
- Visit the MyMoneyMantra website.
- Under ‘Credit Cards’ tab, choose the preferred card under the ‘BOBCARD’ option.
- Fill in all the relevant information required for applying for the card.
- Now you will be guided by the representatives of MyMoneyMantra through the whole process from the documentation to the approval of the card.
- On approval, the card will be dispatched to your address. The card and the PIN will be dispatched separately.
To apply for the card offline, you can reach out to the BOBCARD customer support or visit the nearest Bank of Baroda branch branch to apply for the Credit Card by submitting the relevant documents.
BOBCARD Eligibility Criteria
To be eligible for a BOBCARD, you will have to comply with the following eligibility criteria.
- The applicant should be an Indian resident, a salaried or self-employed individual.
- For salaried applicants age limit is 21 to 65 years & for self-employed applicants age limit is 24 to 65 years
- The minimum annual income required for an Easy Card is ₹4.8 Lakhs for self-employed non-BoB customers, ₹3 Lakhs for salaried BoB customers, and ₹3.6 Lakhs for salaried non-BoB and self-employed BoB customers.
- The minimum annual income required for the Select Card is ₹4.8 Lakhs.
- The minimum annual income required for the Tiara Card and Premier Card is ₹7.2 Lakhs.
- For the Eterna Credit Card, the minimum net annual income should be ₹12 Lakhs.
- The credit score should be over 750.
Documents Required for BOBCARD
- Recent passport-size photograph and PAN Card (mandatory)
- Proof of identity such as PAN Card, Aadhar Card, Voter's ID Card, Passport or Driving Licence.
- Address proof such as Aadhar Card, Passport, Driving Licence, Voter ID Card, Job Card, Utility Bills, Rental Agreement, etc.
- Income proof such as Bank Statements (reflecting salary credit of at least last 2 months), latest Salary Slips for salaried individuals, etc.
- Business entities/ self-employed individuals/ professionals should submit Bank Statements (reflecting business transactions of at least last 3 months), and other financial documents (as required).
- Along with the financial documents, the business entities should submit the Partnership Deed if a Partnership Company, and the Memorandum of Association, Articles of Association, and Board Resolution, if a Company.
BOBCARD Payment
The following are the various ways of making BOBCARD payments.
- Insta Pay:
You can make the Credit Card payment by Insta-Pay using your internet banking facility.
Follow the simple steps:- Click on the Insta-Pay link.
- Enter the card number.
- Enter the verification code.
- Confirm the cardholder's name.
- Enter your mobile number and email ID, and amount.
- There is an option to use either BOBCARD net banking facilities or other bank net banking facilities for making the payment.
- You can choose from over 50 banks by clicking on the dropdown.
- Once the transaction is completed, you will receive a receipt.
- It will take two days for the transaction to be recorded in your card account.
- Customer Portal: If you are a customer of BOBCARD, then the card payment can be done through the customer portal on https://online.bobcard.co.in/Login.aspx?ReturnUrl=%2flogin.
- BOBCARD App: You can use the BOBCARD mobile app for card bill payment.
- Auto-debit: If you are a customer of BOBCARD, you can give auto-debit instructions on your Savings Bank Account to debit the bill amount on monthly. To enable ECS for the Credit Card payment, the cardholder must fill in the ECS form and submit it at any of the branches of BOBCARD.
- By Cheque: You can also make a payment through a Cheque. You will have to mention the 16-digit card number as the Payee's name. The cheque can be dropped at any dropbox of BOBCARD.
- By Cash: You can deposit cash at any of the BOBCARD branches towards the Credit Card payment.
BOBCARD Customer Care Number
The following numbers can be contacted for any queries regarding BOBCARD.
- 24x7 toll-free numbers: 1800 2090/ 1800 2665 100/ 1800 2667 100
- 24X7 WhatsApp number: Just drop a ‘Hi’ to 7208476628
- Instant SMS service: Simply send SMS to 9223172141 with the last 4 digits of your BOBCARD from your registered mobile number:
- For balance inquiry: SMS BAL XXXX
- For blocking card: SMS BLOCK XXXX
- For the reward points tally.: SMS REWARD XXXX
- For last statement: SMS STAT XXXX
- For setting the domestic E-Commerce limit to the Credit limit: SMS DOM XXXX
- For last bill payment: SMS PAYMENT XXXX
- Email support: crm@bobcard.co.in (at Level 1), escalations@bobcard.co.in
FAQs
The standing instructions for the debit of the particular account, as requested by the cardholder, will be set for a particular date, which will be before the Credit Card due date. If the date on which the debit has to be carried out is a holiday, then the debit will be done on the next working day.
The loss/ theft of the card should be reported immediately to the Bank through their customer care helpline, the moment it is noticed. The card will be blocked, and a new card will be issued within 7 days. In the case the card is stolen, an FIR has to be lodged at the police station of the jurisdiction, and a copy of the same has to be submitted to the Bank.
If the card is damaged, then the card has to be dispatched to any of the addresses of the BOBCARD branches mentioned in their official website. The damaged card will be replaced and sent to your registered residential address.
No, the add-on cardholder shares the credit limit of the primary cardholder.
The cardholder has to register the Credit Card on the link provided in the official website of the bank and generate a password that will be used for all online transactions. This will be an added authentication for all the online transactions. Whenever asked during online transactions, the cardholder has to provide this registered password. The same process has to be repeated in case a new card/ replacement card is issued.
This registration will enable the cardholder to access the Credit Card account, make bill payments, and for other various requests made online.
To check the Credit Card Application Status online, you will have to follow a few simple steps:
- Visit the official website of the bank, exclusive for Credit Cards.
- On the left side of the website, there is a Customer Corner option.
- On clicking the Customer Corner, 'Track Application Status' will pop-up. Select the option.
- You will be directed to the Track Application Status page, where you will be provided application number and date of birth.
- Click on 'Get Details' after providing the required information.
- Once the details are submitted, the status of the application will appear.
- It will either be 'in progress or approved.'
- ‘In progress’ indicates that the processing of the application is ongoing.
- 'Approved' means the decision has been taken, and the card is ready for printing and dispatch.
- On dispatch of the card, the status on the site will change to Dispatched.
- Another option, 'Track Dispatch Details' is also available, wherein you can check the status of the speed post/ courier. An AWB number is required to check this status.
During the application processing, if any discrepancies are noticed, the representatives of the Bank will contact you.
You will have to check the status a week after the submission of the application.
To check the status of the application offline, you will have to call the Customer Care helpline No. 1800-223-224. Keep your application number ready before calling. Alternatively, you can visit any of the BOB branches to track the application status.
Unless requested, your BOBCARD will be renewed on expiry, except in the following conditions.
- Where the conduct of the account is found to be unsatisfactory.
- When your credit history is found to be unsatisfactory, as per the credit bureau.
- When the outstanding dues are high.
- If your contact and/or KYC details are not updated.
- When your card is in a blocked state
- When no transaction is observed in your card account in the past year from the due date of renewal.
You can generate a four-digit PIN for the BOBCARD through the ‘BOBCARD’ mobile app/ portal or via IVR by calling BOBCARD toll-free numbers 1800 2665 100/ 1800 2667 100. The easiest way to generate the PIN is through the mobile app by following the steps below:
- Download and log in to the BOBOCARD mobile app.
- Choose the card for which you want to set/change the PIN.
- Select the ‘Card PIN Generate’ option under ‘My Card Services’.
- Enter the new PIN and then re-enter the same.
- Tap on the ‘Submit’ button.
- Enter the OTP received on your registered mobile number and submit again.
- Your PIN will be set.