Bank of Baroda Credit Card

Bank of Baroda, also known as BoB, is one of the leading public sector banking institutions in India. In addition to banking solutions for both individuals and corporations, the bank also offers a multitude of financial products and services, including credit cards. 

 

BoB credit cards are designed to cater to various financial needs of new-age customers. These cards are loaded with special benefits and you can apply for them through a simple and hassle-free process. Thanks to a comprehensive and dedicated rewards program, you can earn rewards while using your BoB Credit Card to make payments or purchases. 

Here is a table with an overview of some of the most popular Bank of Baroda credit cards:

The features and benefits of a BoB credit card vary, depending on the card you choose. However, there are some common features and advantages that you can enjoy, such as the following: 

• Add-on card facility to extend the benefits of the BoB credit card to your family

• Secure transactions to ensure that your private information is protected at all times

• Acceptance across the country

• 24x7 customer service for quick and easy resolution of your queries

• Attractive rewards for a more pocket-friendly experience 

• Zero liability in case your card is misplaced or lost 

• Complimentary insurance cover 

• Various options to redeem your accumulated rewards 

• Complimentary membership in health and entertainment platforms

• Reversal of annual fee on meeting specific spending criteria

• Complimentary access to airport lounges

• Fuel surcharge waiver to make your commute and travel more affordable

• Lengthy interest-free periods going up to 50 days

• Easy conversion of big-ticket spends into EMIs

Before you apply for a Bank of Baroda credit card of your choice, it is essential to check whether you satisfy the eligibility criteria laid out by the bank. This will prevent unnecessary rejections and can save you a lot of time. 

 

Along with the eligibility criteria, knowing the documents required is crucial to get seamless access to a Bank of Baroda credit card. Apply once you have the documents ready to ensure that there are no hiccups in the application and approval process. 

 

Given below is the eligibility criteria and paperwork requirement to apply for a Bank of Baroda credit card. 

1. Eligibility Criteria for Bank of Baroda Credit Cards 

• Your age should be between 21-65 years to be a primary cardholder and 18+ to be an add-on cardholder

• You must have regular income either through salary or self-employment

• You must be a resident of India

Depending on the card that you apply for, you may also have to satisfy certain other criteria in addition to the ones mentioned above. Be sure to check the specific terms for the card you wish to apply for. 

2. Documents Required for Bank of Baroda Credit Cards 

ID proof

A copy of your PAN card along with the Aadhaar card, Passport, Voter’s ID, or any other government-approved photo ID card.

 

Address proof

 

A copy of either your Aadhaar card, Voter’s ID, Passport, driving licence, latest utility bill, municipal tax receipt, rent agreement, property tax receipt, or an official document issued by the state or central governments with the updated address.

 

Income proof
 

• For self-employed individuals: The latest record of Income Tax Return (ITR)

• For salaried individuals: Bank statement showing credit of salary for the last 3 months and salary slips for the last 3 months

Credit card issuers offer numerous benefits, among which a common one is a rewards program. With such a program, you can earn rewards for every transaction you make through your credit card and save more. 

 

With a Bank of Baroda credit card, you can earn attractive reward points when you use the card to shop, dine, buy movie tickets, travel, pay utility bills, etc. You can also earn accelerated rewards against special categories and milestone spends. 

 

Once you have accumulated enough points, you can redeem them as cashback too. Here’s how:

• Visit the official Bank of Baroda website

• Log in with your ID and password

• Select the category where you want to redeem the points

• Add the items that you want to purchase

• Enter the number of points you want to redeem

• Proceed to checkout

 

Although all of the BoB credit cards feature a rewards program, the rewards themselves may vary depending on the card you own. Therefore, it is a good idea to check the details before redeeming the points.

You can apply for a BoB credit card either online or offline. Both modes have a simple application process that allows you to get your card with ease. 

1. Online method

To get a BoB credit card digitally, apply online by following the steps given below:

• Step 1: Visit the official website 

• Step 2: Scroll down to check out the different BoB credit cards on offer 

• Step 3: Click on the ‘Apply Now’ button under the credit card you wish to apply for

• Step 4: Fill out the Bank of Baroda Credit Card application form

• Step 5: Authenticate the application using the Aadhaar e-sign feature

• Step 6: Complete the verification through Video KYC

 

Once the video KYC is successfully completed, your credit card will be dispatched to the address mentioned by you within a few days. 

2. Offline mode

If you prefer to apply for a BoB credit card in person, here are the steps you can follow. 

• Step 1: Visit the nearest Bank of Baroda branch

• Step 2: Contact a representative

• Step 3: Follow the instructions from the bank representative

 

Once you follow the steps outlined, you should be done with the application process in no time.

 

Note: Bank of Baroda Credit Cards are not available on Bajaj Markets. 

If you have any queries or grievances, you can contact the toll-free Bank of Baroda Credit Card customer care. The BoB credit card customer care numbers are 1800 258 4455 and 1800 102 4455. Alternatively, you can also get in touch with customer care via email at ccb@bobfinancial.com or crm@bobfinancial.com.  

 

There is also a dedicated toll-free number for blocking cards in case of theft or loss. You can either dial 1800 103 1006 or 1800 225 100 to block your card. The service is available 24/7. 

Bank of Baroda offers a wide range of credit cards for different categories of users like online shoppers, frequent travellers, businessmen and more. The primary advantage of Bank of Baroda credit cards is that they allow you to make a purchase now and then pay for it later, at your convenience, at any time during the interest-free period.

Bank of Baroda credit cards also offer various rewards on eligible spends, such as discounts, offers, cashbacks and reward points. You can then redeem these accumulated reward points on various products and services. In addition to this, credit cards from Bank of Baroda also come with other advantages like low annual or renewal fees, free add-on cards, excellent welcome rewards, various complimentary memberships, insurance coverage and more. For these key reasons, you can choose Bank of Baroda credit cards for your payment purposes.