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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.

Types of Bank of Baroda Credit Cards

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

Tip: Check free cibil score before applying for a credit card

Features and Benefits of Bank of Baroda Credit Cards

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.

Additional Reading: How to Improve Cibil Score fast?

Detailed Features of Bank of Baroda Credit Cards

 Name of the CardFeatures
1.Bank of Baroda Easy Card
  • Waiver of fuel surcharge for spends on fuel at all petrol pumps across the country.
  • Waiver of joining and annual fees on spends of 6000/- within 60 days from the date of card activation and 35000/- annual spend, respectively.
  • Redemption of reward points either as cashback or any other exciting options like gifts from the exclusive items on the catalogue or vouchers.
  • A facility to convert purchases over 2500/- to easy 6/12 month EMIs.
  • 3 free add-on cards for family members above the age of 18 years.
  • Complimentary insurance cover for the cardholder on accidental death.
  • Lost card liability protection is available for fraudulent transactions after reporting the loss of the card.
  • Interest-free credit for a period of 50 days from the date of purchase is available.
  • A revolving credit facility is available wherein you can keep the card active by paying the minimum amount due.
2.Bank of Baroda Select Credit Card
  • Get a waiver of joining and annual fee by spending 7500/- within 60 days from the date of activation of the card and  70,000/- in a year, respectively.
  • Fuel surcharge waiver of 1% for transactions between 400/- and 5000/- at all the petrol pumps in the country.
  • Redemption of reward points either as cashback or as gifts from the catalogue.
  • A facility to convert purchases above 2500/- to easy EMIs, payable in either 6 or 12 months of instalments.
  • 3 free add-on cards for your family members.
  • Free personal accident cover for the cardholder in the event of death due to an accident.
  • On reporting loss of card, the liability on any fraudulent transactions will be zero.
  • Interest-free credit period up to 50 days is available from the date of purchase.
  • A revolving facility for Credit Card dues is available.
3.Bank of Baroda Premier Card
  • Free access to 38 Airport Lounges in 22 cities across the country
  • Round-the-clock concierge services for hotel bookings, travel ticket bookings, movie tickets, bookings for special events, car bookings, and delivery of gifts and flowers.
  • The joining fee and annual fee will be waived for a spend of 10,000/- within 60 days from the date of card activation and an annual spend of 1.20 Lakhs in the previous year, respectively.
  • Innumerable reward redemption options are available.
  • Purchases above 2500/- can be converted into easy EMIs payable in 6 to 12 months instalments.
  • 3 add-on lifetime free cards available for your family members.
  • Complimentary personal accident cover is available in the event of the death of the cardholder in an accident.
  • The transactions on the lost card after reporting the loss will not be billed, and the liability will be zero.
  • A revolving facility for repayment of Credit Card dues.
  • Interest-free period up to 50 days.
4.Bank of Baroda Prime Card
  • Can get the card without any income proof against a Fixed Deposit. The minimum amount of the Fixed Deposit should be 15000.
  • No joining and annual fee will be collected.
  • 1% fuel surcharge waiver for transactions between 500/- and 4000/- at all fuel stations across the country.
  • Various redemption options are available.
  • A facility to convert purchases on the card over 2500/- to EMI payable in 6 months to 12 months instalment.
  • 3 lifetime free add-on cards for your family members.
  • Personal accident cover for the death of the cardholder due to an accident is also available for free.
  • The liability on the lost card will be zero for the fraudulent transactions on the card after reporting the loss.
  • A facility for revolving payment of Credit Card dues.
5Bobcard Signature (Visa) Card
  • Credit Card for High net worth customers
  • Global ATM Acceptability
  • 40% cash withdrawal limit
  • Free Accidental Death Cover for the primary cardholder Air Accidental Death:  50 Lakh  
    Other Accidental Death:10 Lakh
  • Host of Visa offers, including free airport lounge access.
6.BOB Paytm Credit Card
  • Complimentary Airport Lounge access
  • 24x7 concierge  and Golf program
  • Zero fuel surcharge
  • Multiple redemption options
  • Option to redeem reward points as cashback or gifts
  • Option to convert purchases worth more than 2,500 into 6/12 easy EMIs
7BOBCARD Assure
  • Secured Credit Card against Min Fixed Deposit of 25000
  • Credit Limit is up to 80% of the FD amount.
  • 100% of Credit Limit can be withdrawn
  • No income proof required to apply
  • Anyone above 18 years can apply.
  • Global acceptance
  • Up to 3 free Add on cards
  • Free Primary Cardholder?s accidental death cover  
    Air accidental death cover: 15 Lakh Others accidental death cover: 5 Lakh
  • Zero fuel surcharge
  • A host of inbuilt offers and privileges of Visa
8BOBCARD Titanium (Master)
  • International Credit Card with global ATM acceptability
  • Up to 3 free add-on cards
  • Cash withdrawal Limit: 30% of Credit Limit
  • Free personal accidental death Cover for the primary cardholder.  
    Air Accidental Death: 5 Lakh  
    Other Accidental Death:  1Lakh
  • Inbuilt Master Card Benefits
9Bank of Baroda Corporate Premium Credit Card
  • Corporate Card linked to Current Account
  • Credit Facility
  • 30% cash withdrawal limit of approved credit
  • Global acceptance
  • Zero fuel surcharge
  • Attractive Offers on booking air tickets, hotel bookings and so on.
  • Inbuilt exclusive offers from VISA.
  • Accidental Death Cover  
    Air: 5 Lakh  
    others: 1 Lakh
10BOBCARD Platinum (Select) Mastercard
  • Global Acceptance
  • Up to 3 free add-on cards
  • 40% of the cash withdrawal limit
  • Personal Accidental Death Coverage:  
    Air:   15Lakh  
    Other: 5 Lakh
  • A host of inbuilt offers and privileges of MasterCard like Free Airport Lounge Access etc.
  • You should have an existing banking relationship with BoB and a minimum of 6 Lakh Income to apply for Platinum Mastercard
 Name of the CardFeatures

Bank of Baroda Credit Card Reward Points

 Name of the CardRewards
1Bank of Baroda Easy Card
  • 5X reward points for every 100 spent at Departmental Stores, on purchases of Grocery, and spends on movie ticket
  • 1 reward point for 100/- on all other spends.
  • A cashback of 0.5% on Credit Card bill payment.
2Bank of Baroda Select Card
  • 5X reward points for every 100/- online spends, utility bills, and dining.
  • 1 reward point for every 100/- on all other purchases.
  • 1000 bonus points every month on 5 transactions of more than 1000/- in a month.
3Bank of Baroda Premier Card
  • Earn 10 reward points on every 100/- spent on travel, dining, and international spends.
  • 1 reward point for every 100/- on all other purchases.
  • 1000 bonus points every month on 5 transactions of more than 1000/- in a month.
4Bank of Baroda Prime Card
  • 4 reward points for every 100/- spent on all purchases. One reward point is evaluated as Re.1.
5BOB Signature (Visa) Credit Card
  • Loyalty points: 2 on purchase of 100
6BOB Paytm Credit Card
  • 12 rewards points on every 100 spent on Paytm
  • 4 reward points per 100 on other spends
7BOBCard Assure
  • Earn Loyalty point on purchase of 100
8BoB Titanium Mastercard
  • Earn 1 loyalty point on purchase of   100 (except of cash & fuel purchase transactions)
  • Cash withdrawal limit is 30% approved limit
9BOB Corporate Premium Credit Card
  • 1 loyalty point for each 100 spent
10BOB Platinum (Select) Mastercard
  • 2 Loyalty points on the purchase of 100
     

Additional Reading: How to improve cibil score?

Bank of Baroda Credit Card Fee Details

Name of the CardJoining FeeAnnual Fee
Bank of Baroda Easy Card500/- 
(waived on a spend of 6000/- within 60 days from the date of activation of the card. The reversal will reflect in the 4th billing statement)
500/- 
(waived on an annual spend of 35000/- the previous year)
Bank of Baroda Select Card750/- (waived on a spend of 7500/- within 60 days from the date of activation of the card. The reversal will reflect in the 4th billing statement from the date of issuance of the card provided all the dues on the card are paid)750/- 
(waived on an annual spend of 70,000/- in the previous year)
Bank of Baroda Premier Card1000/- 
(waived on a spend of 10,00/- within 60 days from the date of activation of the card. The reversal will reflect in the 4th statement from the date of issuance of the card provided all the dues on the card are fully paid)
1000/- (waived on an annual spend of 1.20 Lakhs in the previous year)
Bank of Baroda Prime CardNilNil
BoB Signature Visa Card1,000/- 

Add on- 1000 per card
1000/- 

(Annual fee is waived if Rd 2,00,000 spent in the previous year)
BOB Paytm Credit Card

2,000


Add on- 2000 per card

2000 
(Annual fee is waived off on spending 2,00,000 in a year)
BOBCARD AssureFree500 
(Waived off on spends of  50,000 in a year + regular bill payments)
BoB Titanium Mastercard250 
(Waiver available on spent of 25,000 p.a)
500 
(Waived off on spends of  25,000 in a year)
BOB Corporate Premium Credit Card1000 - 2000, subject to eligibility1000 - 2000, subject to eligibility
BoB Platinum (select) Mastercard10001000 
(Annual fee is waived on spend of 100,000 in a year)

Additional Reading: How to check cibil defaulters list?

Bank of Baroda Credit Card Charges Details

Name of the ChargeAmount
Cash withdrawal charges2.5% of the amount withdrawn or 500 
(whichever is higher)
Finance charges

*For Premier, Prime cards, Corporate, Signature, Assure and Paytm Cards: 

3.25% per month i.e. 39% per annum

*For Easy, Select cards & all other Credit Card variants: 

3.49% per month i.e. 41.88% per annum

Duplicate Bill25/- per bill
Cheque bounce charges300/- or 2% of the cheque amount whichever is higher.
Charges for exceeding the credit limit2.5% of the amount above the sanctioned credit limit or 500 (whichever is higher)
Card replacement charges100/- per card
Charge slip retrieval charges250/- per charge slip
Foreign Currency Mark-up Fee3.50% of the transaction amount
Reactivation of card300/-
Late fee charges

For amount up to 100: Nil

For amount between 101 to 500: 100


For amount between 501 to 1000: 400

For amount between 1001 to 10000: 600

For amount between 10001 to 25000: 800

For amount more than 25000: 950

How to Apply for Bank of Baroda Credit Card

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

Steps to apply for the card through MyMoneyMantra

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.

Eligibility for Bank of Baroda Credit Card

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 deposits, 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 

Documents Required for Bank of Baroda 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?

Bank of Baroda Credit Card Payment

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

Bank of Baroda Credit Card Customer Care Numbers

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

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Bank of Baroda Credit Card FAQs

✅ How does Bank of Baroda process auto-debit?

image

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.

✅ What should the cardholder do in case of loss, theft, or damage of card?

image

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 Bank of Baroda branches mentioned in their official website. The damaged card will be replaced and sent to your registered residential address.

✅ Is a separate credit limit fixed for Add-On cards?

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No, the add-on cardholder shares the credit limit of the primary cardholder.

✅ What is the Registration in Bobcard's portal, and how is it done?

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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.

✅ How do I check Bank of Baroda Credit Card Application Status?

image

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 there are any discrepancies 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 Bank of Baroda branches to track the application status.

✅ What is the time limit required for re-applying a Credit Card after rejection?

image

You will have to ideally wait for 3 to 6 months to reapply for the card. If the card was rejected due to a low credit score, then you will have to take the necessary steps to boost your credit score. Thereafter, you should check your credit score before applying for the card once again.

✅ How do I generate PIN for Bank of Baroda Credit Card?

image

You can generate a PIN for your Credit Card following simple steps mentioned below:

  • Visit any Bank of Baroda ATM. Insert the card and choose the preferred language.
  • Select 'Generate Pin with OTP' option.
  • An OTP will be sent to your registered mobile number immediately on selecting the option.
  • Enter the OTP.
  • Now you can enter the desired 4-digit PIN. This PIN can be used for all the transactions done on the card.
  • Never share this PIN with anyone.