Bank of Baroda Credit Card

BOB Credit Card

**Disclaimer: Bank of Baroda is not a Bajaj Markets partner. Offers would be from partner Banks/NBFCs only. 

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 the different financial needs of new-age customers. Loaded with special benefits, these cards can be applied for through a simple and hassle-free process. Thanks to a comprehensive dedicated rewards program, you get to earn rewards for using your BoB credit card to make payments or purchases. 

How to Get a Bank of Baroda Credit Card?

Note: Bank of Baroda credit cards are not available on Bajaj Markets. 

If you wish to apply for a Bank of Baroda credit card, you can do so through the website of BoB Financial Solutions Limited. The process is simple and takes only a few minutes to complete. Here’s an overview of the steps that you would have to follow to get a BoB credit card.

• Step 1: Visit the website of BoB Financial Solutions Limited. 

• 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 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. 

On the other hand, if you prefer to apply for a BoB credit card through the offline method, here’s what you would have to do. Firstly, visit the nearest Bank of Baroda branch and get in touch with a representative. Simply follow the instructions of the bank’s representative and you should be done with the application process in no time. 

Bank of Baroda Credit Card Types

Bank of Baroda offers as many as 20 different credit cards, each with their own set of benefits. Here’s a glimpse of the top 5 BoB credit cards that you can apply for right now. 

1. Bank of Baroda Eterna Credit Card 

Designed for individuals looking for an elite credit card experience, this BoB credit card offers a host of different rewards and features for an annual fee of just ₹2,499. Here’s a quick look at a few key benefits that you stand to enjoy if you opt for this card.

• For every ₹100 spent on shopping, movies, dining, online purchase, travel, and international transactions, you get to earn 15 reward points (maximum 5,000 reward points per month)

• For every ₹100 spent on any other category, you get to earn 3 reward points

• Complimentary 6-month FITPASS PRO membership worth ₹15,000 as a welcome gift

• On spends worth ₹50,000 within 60 days, you get 10,000 bonus reward points

• On spends worth ₹5,00,000 within a year, you get 20,000 bonus reward points

• Complimentary Personal Accidental Death Cover (Air category: ₹1 crore; Non-Air category: ₹10 lakh) 

• Three lifetime-free, add-on cards (for parents, spouse, children {aged 18 or above}, or siblings)

• Fuel surcharge waiver of 1% on transactions between ₹400 and ₹5,000 (max. ₹250 per statement cycle) at all fuel stations in the country

• Redeem reward points earned in the form of cashback and other exciting options

• Convert purchases that are worth more than ₹2,500 into easy EMIs of 6 or 12 months

2. Bank of Baroda Premier Credit Card

The Premier credit card from Bank of Baroda has been crafted for individuals that like living the high-life. For an annual fee of just ₹1,000, you get to enjoy the following list of benefits. 

• For every ₹100 spent on dining, travel, and international transactions, you get to earn 10 reward points (maximum of 2,000 reward points per month)

• Complimentary airport lounge access at participating domestic airports

• Annual fee waiver or reversal against spends of ₹10,000 within a period of 60 days or against spends of ₹1,20,000 in a year

• Up to 50 days of interest-free credit period

• Maximum of three lifetime-free, add-on cards (For parents, spouse, children {aged 18 or above}, or siblings)

• Fuel surcharge waiver of 1% on transactions between ₹400 and ₹5,000 (max. ₹250 per statement cycle) at all fuel stations in the country

• Redeem reward points earned in the form of cashback and other exciting options

• Convert purchases worth more than ₹2,500 into easy EMIs of 6 or 12 months

3. IRCTC Bank of Baroda Credit Card

If you’re a frequent train traveller, the IRCTC Bank of Baroda credit card may just be the perfect choice for you. For an annual fee of just ₹500, the card offers plenty of advantages. Here’s a quick look at a few of them. 

• For every ₹100 spent on booking tickets through IRCTC, you get to earn 40 reward points 

• For every ₹100 spent on grocery and departmental store purchases, you get to earn 4 reward points 

• For every ₹100 spent on other categories, you get to earn 2 reward points 

• Up to four complimentary lounge access in a year at partner railway lounges

• For spending ₹1,000 or more within 45 days from card issuance, you get 1,000 bonus reward points

• Fuel surcharge waiver of 1% on transactions between ₹500 and ₹3,000 (max. ₹100 per statement cycle) at all fuel stations in the country

• Convert purchases worth more than ₹2,500 into easy EMIs of 6 or 12 months

• Maximum of three lifetime-free, add-on cards (For parents, spouse, children {aged 18 or above}, or siblings)

4. HPCL Bank of Baroda Energie Credit Card 

Designed for individuals who travel by road, the HPCL Bank of Baroda Energie credit card can help you lower your fuel bills. This particular credit card comes with low annual fees of just ₹499. The list of benefits offered by the card are listed as follows. 

• For every ₹150 spent on fuel purchases from HPCL outlets, you get to earn 24 reward points 

• For every ₹150 spent on LPG purchase from HPCL, you get to earn 24 reward points 

• For every ₹150 spent on utility bills, groceries, and departmental store purchases, you get to earn 10 reward points 

• For every ₹150 spent on all other categories, you get to earn 2 reward points 

• 25% savings of up to ₹100 on purchase of 2 movie tickets from Paytm Movies 

• Fuel surcharge waiver of 1% on transactions between ₹400 and ₹5,000 (max. ₹250 per statement cycle) at all fuel stations in the country

• Annual fee waiver against spends of ₹50,000 in a year

• Maximum of three lifetime-free, add-on cards (For parents, spouse, children {aged 18 or above}, or siblings)

• Convert purchases worth more than ₹2,500 into easy EMIs of 6 or 12 months

• On spends worth ₹5,000 within 60 days of card issuance, you get 2,000 bonus reward points

5. Bank of Baroda Easy Credit Card 

The Easy credit card from Bank of Baroda is the right choice for individuals who like to have a simple and fuss-free credit card experience. For a low annual fee of just ₹500, you get to enjoy the following benefits.

• For every ₹100 spent on movie tickets, grocery purchases, and departmental store shopping, you get to earn 5 reward points (max. 1,000 reward points per month)

• Cashback of 0.5 per cent of the card bill paid in your next statement

• Annual fee waiver against spends of ₹6,000 within a period of 60 days or against spends of ₹35,000 in a year

• Up to 50 days of interest-free credit period

• Maximum of three lifetime-free, add-on cards (for parents, spouse, children {aged 18 or above}, or siblings)

• Fuel surcharge waiver of 1% on transactions between ₹400 and ₹5,000 (max. ₹250 per statement cycle) at all fuel stations in the country

• Redeem reward points earned in the form of cashback and other exciting options

• Convert purchases that are worth more than ₹2,500 into easy EMIs of 6 or 12 months

Bank of Baroda Credit Card Apply Eligibility & Documents 

Before you apply online for a BoB credit card of your choice, it is essential to first 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. 

Also, it is crucial to get to know the list of documents necessary to apply for the card as well since it can help speed up the application process. Check out the eligibility criteria and the list of documents required to apply online for a Bank of Baroda credit card. 

1. Eligibility Criteria for Bank of Baroda Credit Cards 

• If you are a primary cardholder, you must be above 21 years of age but less than 65 years.

• If you are an add-on cardholder, you must be over 18 years of age.

• You must be a salaried or self-employed individual.

• You must have a regular source of income.

• 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.

2. Documents Required for Bank of Baroda Credit Cards 

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

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

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

• In the case of self-employed individuals: The latest record of Income Tax Return (ITR).

Bank of Baroda Credit Card Features and Benefits

Bank of Baroda credit cards come with various features and benefits. Check out the top advantages below. 

• Wide Acceptance

Many credit cards from Bank of Baroda are accepted across the world, and you can also use them in a vast majority of ATMs in the country. This greatly widens the scope of usage of Bank of Baroda credit cards. 

• Lucrative Reward Programs

The rewards programs offered by Bank of Baroda on its credit cards is extremely lucrative and rewarding. You can save even as you spend on various online and offline transactions. The accumulated reward points can be redeemed in many ways. You may also get cashbacks and discounts. 

• Add-On Card Facility

You can also request an add-on card for many Bank of Baroda credit cards. This will allow members of your family like your spouse and/or your kids to use the card simultaneously, even if they are in different locations. Some BoB credit cards even offer up to 3 add-on cards. 

• Round-the-Clock Customer Service

In case of any queries or complaints regarding your BoB credit card, you can always reach out to the bank’s customer service team. The support is available 24x7, and you can choose to either call or write to the team.

• Secure Transactions

Thanks to the security chip installed in the credit cards issued by Bank of Baroda, you can rest assured that your transactions and your money will not be vulnerable to any fraudulent activities. 

Bank of Baroda Credit Card Fees and Charges

As a prospective holder of a credit card from BoB, it is important for you to know the various fees and charges that are applicable on the card. Let’s take a quick look at a few of the key credit card charges that you should be aware of.

• Joining fees or Annual fees: Varies depending on the credit card

• Finance charges: From 1.50% per month to 3.49% per month (depending on the card)

• Late payment charges:

  1. Statement balance less than ₹100 - Nil

  2. Statement balance between ₹100 and ₹500 - ₹100

  3. Statement balance between ₹501 and ₹1,000 - ₹400

  4. Statement balance between ₹1,001 and ₹10,000 - ₹600

  5. Statement balance between ₹10,001 and ₹25,000 - ₹800

  6. Statement balance more than ₹25,000 - ₹950

• Cash withdrawal charges: 2.5% of the amount or ₹500 (whichever is higher)

• Charges for exceeding the credit limit: 2.5% of the amount exceeding the credit limit or ₹600 (whichever is higher)

• Charge for unblocking credit card: ₹300

• Cheque return charges: 2% of the cheque amount or ₹450 (whichever is higher)

• Foreign currency transaction fee: From 2% to 3.5% of the transaction value (depending on the card)

Bank of Baroda Credit Card Rewards Program

When it comes to enjoying the benefits of your credit card, you would be happy to know that the Bank of Baroda credit card rewards program doesn’t disappoint. You can earn attractive reward points on the card when you use it 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. 

That said, 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 rewards on offer before applying for a card. This will ensure that you get the card that satisfies your requirements. 

Bank of Baroda Credit Card Customer Care

If you have any queries or unresolved grievances concerning your Bank of Baroda credit card, 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 the 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.