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:
The following are the features and benefits of the Bank of Baroda Credit Cards.
|Name of the Card||Features|
|1.||Bank of Baroda Easy Card|
|2.||Bank of Baroda Select Credit Card|
|3.||Bank of Baroda Premier Card|
|4.||Bank of Baroda Prime Card|
|5||Bobcard Signature (Visa) Card|
|6.||BOB Paytm Credit Card|
|8||BOBCARD Titanium (Master)|
|9||Bank of Baroda Corporate Premium Credit Card|
|10||BOBCARD Platinum (Select) Mastercard|
|Name of the Card||Rewards|
|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||BOB Signature (Visa) Credit Card|
|6||BOB Paytm Credit Card|
|8||BoB Titanium Mastercard|
|9||BOB Corporate Premium Credit Card|
|10||BOB Platinum (Select) Mastercard|
|Name of the Card||Joining Fee||Annual Fee|
|Bank of Baroda Easy Card||500/- |
(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)
(waived on an annual spend of 35000/- the previous year)
|Bank of Baroda Select Card||750/- (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 Card||1000/- |
(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 Card||Nil||Nil|
|BoB Signature Visa Card||1,000/- |
Add on- 1000 per card
(Annual fee is waived if Rd 2,00,000 spent in the previous year)
|BOB Paytm Credit Card|
(Annual fee is waived off on spending 2,00,000 in a year)
|BOBCARD Assure||Free||500 |
(Waived off on spends of 50,000 in a year + regular bill payments)
|BoB Titanium Mastercard||250 |
(Waiver available on spent of 25,000 p.a)
(Waived off on spends of 25,000 in a year)
|BOB Corporate Premium Credit Card||1000 - 2000, subject to eligibility||1000 - 2000, subject to eligibility|
|BoB Platinum (select) Mastercard||1000||1000 |
(Annual fee is waived on spend of 100,000 in a year)
|Name of the Charge||Amount|
|Cash withdrawal charges||2.5% of the amount withdrawn or 500 |
(whichever is higher)
*For Premier, Prime cards, Corporate, Signature, Assure and Paytm Cards:
*For Easy, Select cards & all other Credit Card variants:
|Duplicate Bill||25/- per bill|
|Cheque bounce charges||300/- or 2% of the cheque amount whichever is higher.|
|Charges for exceeding the credit limit||2.5% of the amount above the sanctioned credit limit or 500 (whichever is higher)|
|Card replacement charges||100/- per card|
|Charge slip retrieval charges||250/- per charge slip|
|Foreign Currency Mark-up Fee||3.50% of the transaction amount|
|Reactivation of card||300/-|
|Late fee charges|
For amount up to 100: Nil
For amount between 101 to 500: 100
For amount between 1001 to 10000: 600
For amount between 10001 to 25000: 800
For amount more than 25000: 950
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
For existing customers
Using the digital platform provided by MyMoneyMantra, you can apply for the card.
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.
Additional Reading: Check cibil score for credit card
Additional Reading: How to read cibil report?
The following are the various ways of making Bank of Baroda Credit Card Payment.
The following numbers can be contacted for any queries regarding Bank of Baroda Credit Cards.
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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 Bank of Baroda 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:
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.
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.
You can generate a PIN for your Credit Card following simple steps mentioned below: