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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. 

Some of the Top Bank of Baroda Credit Cards

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

BoB Credit Card Type


BoB EMPOWER Credit Card

Designed especially for self-employed individuals, this card comes with a host of benefits such as insurance, unlimited cashback, 50-day interest free credit and more to easily manage business expenses.

BoB PRIME Credit Card

Available against your FD, this Bank of Baroda credit card can be availed without income proof. Lifetime free membership, zero fuel surcharge, and exciting cash back options are just a few benefits of this credit card.

BoB Select Credit Card

This BoB credit card offers benefits such as a fuel surcharge waiver, 5X rewards for dining and online purchases, exciting redemption options, as well as EMI conversion. 


With a lengthy interest-free period, airport lounge access and insurance cover, this BoB financial credit card is well-suited to corporate employers and employees.

Premier Credit Card

With this travel and dining credit card, you can elevate lifestyle with ease. Along with exciting reward points, you also get to enjoy complimentary airport lounge access and more. 

Features and Benefits of Bank of Baroda Credit Card

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

Bank of Baroda Credit Card Eligibility & Documents

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

Bank of Baroda Credit Card Rewards Program

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.

How to Get a Bank of Baroda Credit Card

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. 

Bank of Baroda Credit Card Customer Care

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. 

Why Choose Bank of Baroda Credit Cards

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.




The information provided by BFDL herein above is related to the Non-Partnered Banks/ NBFCs and is just for the purpose of information and under no circumstances the information provided hereinabove is intended to be source of advice or recommending any financial advice or endorsement of any sort. 

The information including interest rates or fees and charges with regard to any credit card, provided on this website is gathered through publicly available sources over the internet and is considered as accurate and reliable to the best of our knowledge. BFDL disclaims any responsibility or liability regarding inaccuracies, omissions, mistakes etc. as well as offers by the Non-Partnered Banks or NBFCs. The use of information set out is entirely at the User’s own risk and User should exercise due care prior taking of any decision, on the basis of information mentioned hereinabove. You are advised to visit/ contact the respective Banks/ NBFCs to verify the information before making any application or opening an account. Further, BFDL does not undertake any responsibility or liability to update this information. YOU ARE SOLELY RESPONSIBLE FOR ANY LIABILITY OR DAMAGE YOU INCUR THROUGH ACCESS TO OR USE OF THE SITE OR SUCH INFORMATION OR MATERIALS EXCEPT WHERE THE LAWS AND REGULATIONS OF A PARTICULAR JURISDICTION CONCERNING WARRANTIES CANNOT BE WAIVED. Additionally, display of any trademarks, tradenames, logo and other subject matters of intellectual property owners. Display of such Intellectual Property along with the related product information does not imply BFDL’s partnership with the owner of the Intellectual Property of such products.

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FAQs on Bank Of Baroda Credit Card

How can I get a credit card from Bank of Baroda?

Bank of Baroda Credit Cards are not available on Bajaj Markets. However, you can apply for a BoB Credit Card through the official website of the bank or by visiting the branch closest to you.


What is the minimum credit score to apply for a BoB bank credit card?

A credit score of 750 or above is generally good enough to have your Bank of Baroda credit card application approved.


Can I apply for a BoB Credit Card online?

Yes, you can apply for a Bank of Baroda credit card online from the bank’s official website. The process is hassle-free and quick.

Can I change my Bank of Baroda Credit Card type?

Yes, you can change or upgrade your BoB credit card if you meet the eligibility criteria.


What is the easiest Bank of Baroda Credit Card to get?

The Bank of Baroda PRIME credit card is the easiest to get. You can apply for it against a fixed deposit of ₹15,000 or more.


What are the reasons for selecting Bank of Baroda Credit Cards?

Credit cards offered by the Bank of Baroda come with many useful features and benefits. The top reasons to select Bank of Baroda credit cards include a fairly high credit limit, interest-free credit periods going up to 50 days, and an attractive reward program that helps you save. For these reasons and more, you can apply for a Bank of Baroda credit card today.


Do Bank of Baroda Credit Card holders have different payment options?

Yes, as a Bank of Baroda credit cardholder you have multiple payment options to choose from. These options include BillDesk, cash, cheque, NEFT, RTGS and even auto-debit.


Can I check my Bank of Baroda Credit Card application status online?

Yes, if you have applied for a credit card from the Bank of Baroda, you can check your credit card application status online.


Is an add-on card facility offered with Bank of Baroda Credit Cards?

Yes, many credit cards offered by Bank of Baroda come with the add-on card facility, which gives you an additional card that has the same limit and features as the original card.


What are the fees and charges for a Bank of a Baroda Credit Card?

The fees and charges for a BoB credit card differ based on the variant, but there are a few common charges to note. The joining fee ranges from ₹250 to ₹2,000. Similarly, annual fees range from ₹500 to ₹2,000. The cash withdrawal charges range are 2.5% and 3% for domestic and international ATMs respectively. 


The foreign currency transaction charge is 2.75% of the total transaction value. It is important to note that a Goods and Service Tax of 18% is applicable on all charges.


Is BoB Select Credit Card lifetime free?

No, the BoB Select Credit Card comes with a first-year fee and an annual fee of ₹750 each. However, the first-year fee is reversed if you spend ₹7,500 on your card within the first 60 days. And the annual fee is waived off if you spend ₹70,000 during the year. If you meet these spending limits on your BoB Select Credit Card each year, it effectively makes it a lifetime free card.

If I don't make my credit card payments, would the Bank of Baroda block my card?

If you do not make your Bank of Baroda credit card payments on time, your card will not be blocked right away. Instead, the bank will levy late payment charges and finance charges on the outstanding amount. However, if you regularly default on your credit card payments, the bank may, at its discretion, block your card. 


Which credit card is best in BoB?

Bank of Baroda offers an extensive range of credit cards with varying benefits and features. The best credit card for you depends on your spending habits and your financial requirements. For example, if you travel by train frequently, the IRCTC BoB Credit Card may be a good choice. If you spend on lifestyle expenses frequently, the BoB Easy Credit Card and the BoB Eterna Credit Card are among the best options. 


There are also profession-specific credit cards from Bank of Baroda, tailored exclusively for different professionals like chartered accountants and company secretaries. 


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