Bank of Baroda
Credit Card

Bank of Baroda Credit Cards are issued by BOB Financial Solutions Limited, a Non Banking Financial Company (NBFC), wholly owned by PSB Bank of Baroda. The Company was incorporated in 1994 as Bobcards Limited and offers Credit Cards, Personal Loans, and merchant acquiring.

The parent organisation Bank of Baroda was earlier known as Bank of Baroda Limited. Founded by Maharaja Sayyajirao III, the present Bank of Baroda was launched as a private bank with its first branch opened in Ahmedabad in 1910. The unit was expanded further in the year 1919 and opened a new branch in Mumbai City. The first overseas branch was opened in the year 1953 in Kenya. Hind Bank, New Citizens Bank, The Umargao People?s Bank, and The Tamilnadu Central Bank merged with The Baroda Bank Limited between 1958 and 1964. In the year 1969, it became a nationalised bank and was renamed as Bank of Baroda.

Today BoB is one of the leading PSBs in the country. BOB personal banking services include term deposits, loans, and advances, lockers, etc. Corporate banking constitutes wholesale banking deposits, loans, and advances, etc. They also offer retail banking services, which again constitute loans and advances, deposits, etc.

The BOB Credit Cards are issued at a nominal fee, and the interest charged is also competitive. There are innumerable benefits on the card, and its global acceptance makes it all the more attractive.

The Bank of Baroda has broadly divided its Credit Cards into four variants: Easy, Select, Premier & Prime. Besides, there are other co-branded and corporate cards as well. 
Here is the list of all Bank of Baroda Credit Cards:

1. Bank of Baroda Easy Card
2. Bank of Baroda Select Card
3. Bank of Baroda Premier Card
4. Bank of Baroda Prime Card.
5. Bobcard Signature (Visa) Card
6. BOB Paytm Credit Card
7. BOBCARD Assure
8. BOBCARD Titanium (Master)
9. Bank of Baroda Corporate Premium Credit Card
10. Bank of Baroda platinum (select) MasterCard

The following are the features and benefits of the Bank of Baroda Credit Cards.

• 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.
• Various redemption options: There are numerous ways of redeeming the accumulated reward points.
• 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: Purchase protection on the lost/ stolen card is also available.
• Worldwide acceptability: Bank of Baroda credit cards come in collaboration with Visa or MasterCard as payment gateways. These are accepted worldwide.
• Lucrative Reward points: Every Bank of Baroda credit card allows you to earn lucrative reward points that can be redeemed for multiple gifting options and cashback.
•  Additional benefits: In addition to rewarding points, the Bank of Baroda credit card offers benefits like fuel waiver, complimentary lounge access, free 6-months membership at FITPASS PRO, etc.
• Wide range: Bank of Baroda credit card covers an entire spectrum of customer needs.  So whether it’s the Bank of Baroda Eterna Credit Card for the affluent few of the Bank of Baroda Swavlamban Credit Card for the basic credit card users; there’s something for everyone.
• Fee waiver: BoB credit card offers to join fee and annual fee waiver subject to minimum spending per year.
• Easy EMI option: Bank of Baroda credit card allows you to convert your credit card spend into easy EMIs at the lowest rate of interest.
• 24X7 customer care service: The representatives of the Bank of Baroda are always there to help you in time of need. Bank of Baroda credit card customer care can be reached 24X7 for assistance.
• Easy payment options: Payment for a Bank of Baroda credit card outstanding can be made through several channels. Choose the most convenient mode of payment to pay back bills on time.

Steps to Apply for BoB Card through Bank's Website

The following are the steps to apply for Bank of Baroda Credit Card through the Bank's website.

For new customers

• Log in to the official website of the Bank.
• Go to the Credit Cards Provide your personal details like name, contact address, mobile number, email id, qualification, income details, employment details, marital status, etc.
• A list of cards will appear. Choose and apply the card as per your requirement.
• On verification, a Card representative from bank will call you and guide through the process.
• You will be required to submit documents such as address proof, Photo ID proof, and Income Proof. This is the regular step for checking eligibility criteria and issuing the card.

For existing customers

• Visit the official website of the bank and go to the Credit Cards page.
• Provide you net banking customer ID and mobile number
• You can apply for the card directly online

Using the digital platform provided by MyMoneyMantra, you can apply for the card.

• Visit MyMoneyMantra website.
• Log in and choose the Credit Card menu. Select the card you want to apply for and press the submit button.
• 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. Card and the pin will be despatched separately.

To apply for the card offline, you have to visit the nearest Bank of Baroda branches and apply for the Credit Card by submitting the relevant documents.

To be eligible for Bank of Baroda Credit Card, you will have to comply with the following eligibility criteria.

• Should be between 21 years to 65 years of age.
• The minimum annual income required for Easy Card is 3.00 Lakhs
• The minimum annual income required for Select Card is 4.80 Lakhs
• The minimum annual income required for Premier Card is RS. 7.20 Lakhs.
• The Prime Card is issued against Fixed Deposit, and so no income is required. 
  titanium 3,00,000
• The minimum annual income for Platinum Mastercard is 6 Lakh.
• For the Paytm Signature Card, the minimum annual income should be 12 Lakh.
• For Assure Card, you require a fixed deposit of at least 25000.
• For Corporate Cards, minimum turnover should be 2 Cr, with minimum PaidupCapital as 25 Lakh. 
  The applicant should be an Indian resident.
• The credit score should be over 750.

Additional Reading: Check cibil score for credit card 

• Proof of Identity such as Aadhar Card, Voter's ID Card, Passport, Driving Licence, and PAN Card.
• Address Proof such as Aadhar Card, Passport, Driving Licence, Utility bills, Rental Agreement, etc.
• Income Proof such as IT Returns, form 16 and the latest Salary Slips for salaried individuals.
• Business Entities/ Self-employed individuals/ professionals should submit financial documents like the audited Balance Sheet and Profit and Loss account and ITwith income computation along with the KYC documents.
• Along with the financial documents, the business entities should submit Partnership Deed if a Partnership Company; and Memorandum of Association, Articles of Association, and Board Resolution, if a Company.

Additional Reading: How to read cibil report?

The following are the various ways of making Bank of Baroda Credit Card Payment.

• 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 Bank of Baroda 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.
• Visa Bill Pay: 
  Through this facility, the cardholder can make a one-time payment or set Standing Instructions for recurring monthly payments.
• Bill Desk: 
  To make payment through Bill Desk, register on the Bill Desk payment portal for free. Your online ID will be mentioned in the Credit Card bill statement.
• Internet Banking: 
  If you are a customer of Bank of Baroda, then the card payment can be done through their net banking facility. For this, you will have to register for the net banking facilities and obtain a login ID and transaction ID for making any transaction.
• Auto-debit: 
  If you are a customer of Bank of Baroda, you can give auto-debit instructions on your Savings Bank Account to debit the bill amount month on month. To enable ECS for the Credit Card payment, the cardholder must fill in the ECS form and submit at any of the branches of Bank of Baroda.
• By Cheque: 
  You can also make payment through a Cheque. You will have to mention the 16-digit card number as Payee's name. The cheque can be dropped at any dropbox of Bank of Baroda.
• By Cash: 
  You can deposit cash at any of the Bank of Baroda branches towards the Credit Card payment.
• By NEFT/ RTGS: 
  Credit Card payment up to 2.00 Lakh can be made through NEFT and payment beyond 2.00 Lakh can be made vide RTGS. For this, the customers have to give the following details
• IFSC Code of the Bank: 
  Payee's Account No/ Beneficiary?s Account Number will be the 16-digit Card Number
• The Account Number from which the amount has to be debited.
• Name of the Bank
• Branch
• Amount to be paid

The following numbers can be contacted for any queries regarding Bank of Baroda Credit Cards.

• 1800-103-1006
• 1800-225-100
• 1800-23-224 to track the status of the Credit Card application
• For hot listing/ blocking of the card, contact: +91 9323803935