BOB Financial Credit Card

Bank of Baroda Credit Card

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BOB Credit Card

**Disclaimer: Bank of Baroda is not a Finserv MARKETS’ partner. Offers would be from partner Banks/NBFCs only.

 

Bank of Baroda (BoB) offers a range of credit cards to cater to the different financial needs of the new-age customers. Loaded with special benefits, these cards are issued through a simple and hassle-free application process by BoB Financial Solutions Limited (BFSL), a BoB subsidiary. Once you own the card, you can also use it to earn rewards under the dedicated rewards program. However, the nature of these benefits will depend on the type of card you own. To understand this better, let us take a look at the best BoB credit card options.

Bank of Baroda Credit Card Types

There are different BoB credit card types to choose from. The features and benefits of the top cards are mentioned below. 

1. Bank of Baroda ETERNA Credit Card

First Year Fee - ₹2,499; Annual Fee - ₹2,499

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

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

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

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

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

  • Get Personal Accidental Death Cover (Air category: ₹1 crore; Non-Air category: ₹10 lakh) free of cost

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

  • Get fuel surcharge waiver of 1 per cent 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 EASY Credit Card

First Year Fee - ₹500; Annual Fee - ₹500

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

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

  • Avail annual fee waiver/reversal against spends of ₹6,000 within a period of 60 days or spends of ₹35,000 in a year

  • Up to 50 days of interest-free credit

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

  • Get fuel surcharge waiver of 1 per cent 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

3. Bank of Baroda SELECT Credit Card

First Year Fee - ₹750; Annual Fee - ₹750

  • For every ₹100 spent on dining, online purchases, and paying utility bills, earn 5 reward points (max. 1,000 reward points per month)

  • Get 1,000 bonus reward points on five transactions worth ₹1,000 or more each month

  • Avail annual fee waiver/reversal against spends of ₹7,500 within a period of 60 days or spends of ₹70,000 in a year

  • Up to 50 days of interest-free credit

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

  • Get fuel surcharge waiver of 1 per cent 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

4. Bank of Baroda Premier Credit Card

First Year Fee - ₹1,000; Annual Fee - ₹1,000

  • For every ₹100 spent on dining, travel, and international transactions, earn 10 reward points (max. 2,000 reward points per month)

  • Complimentary airport lounge access at participating domestic airports

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

  • Up to 50 days of interest-free credit

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

  • Get fuel surcharge waiver of 1 per cent 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

5. Bank of Baroda PRIME Credit Card

First Year Fee - Nil; Annual Fee - Nil

  • Avail card against fixed deposit of ₹15,000 or more (no need for income proof)

  • For every ₹100 spent, earn 4 reward points (cashback = ₹1 per reward point)

  • This BoB free credit card has zero first-year charges and no annual fees

  • Up to 50 days of interest-free credit

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

  • Get fuel surcharge waiver of 1 per cent 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

6. Bank of Baroda ICAI Exclusive Credit Card

First Year Fee - Nil; Annual Fee - Nil

  • Can be availed by the members of the Institute of Chartered Accountants of India (ICAI)

  • For every ₹100 spent on dining, online purchases, and paying utility bills, earn 5 reward points (max. 1,000 reward points per month)

  • For every ₹100 spent on any other category, earn 1 reward point.

  • On spends worth ₹1,000 or more on 5 transactions, earn 1,000 bonus points each month

  • On spends over the credit card limit within the first 30 days of card issuance, earn 1,000 reward points (earn 4,000 reward points every quarter)

  • Get 12 complimentary domestic airport lounge access (max. 3 per quarter) at partner lounges

  • Get fuel surcharge waiver of 1 per cent 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 (1 reward point = ₹0.25)

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

7. Bank of Baroda CMA One Credit Card

First Year Fee - ₹1; Annual Fee - Nil

  • Can be availed by ICMAI (The Institute of Cost Accountants of India) members

  • For every ₹100 spent on dining, online purchases, and paying utility bills, earn 5 reward points (max. 1,000 reward points per month)

  • On spends worth ₹1,000 or more, earn 1,000 bonus points each month

  • Up to 50 days of interest-free credit

  • Get 12 complimentary domestic airport lounge access (max. 3 per quarter) at partner lounges

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

  • On spends over the credit card limit within the first 30 days of card issuance, earn 1,000 reward points (earn 4,000 reward points every quarter)

  • Get fuel surcharge waiver of 1 per cent 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 (1 reward point = ₹0.25)

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

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

  • Get free Professional Indemnity Insurance Cover of ₹5 lakh as well as Accidental Death Cover of ₹15 lakh for air and ₹5 lakh for the non-air category

8. Bank of Baroda ICSI Diamond Credit Card

First Year Fee - Nil; Annual Fee - Nil

  • Can be availed by ICSI (The Institute of Company Secretaries of India) members

  • For every ₹100 spent on dining, online purchases, and paying utility bills, earn 5 reward points (max. 1,000 reward points per month)

  • For every ₹100 spent on any other category, earn 1 reward point

  • Get 1,000 reward points against card activation

  • Get 3,999 reward points every quarter

  • Get 12 complimentary domestic airport lounge access (max. 3 per quarter) at partner lounges

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

  • Get free Professional Indemnity Insurance Cover of ₹5 lakh as well as Accidental Death Cover of ₹15 lakh for air and ₹ 5 lakh for the non-air category

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

  • Get fuel surcharge waiver of 1 per cent 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 (1 reward point = ₹0.25)

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

Bank of Baroda Credit Card Apply Eligibility & Documents

Eligibility Criteria
  • 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
Documents Required
  • A copy of the 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 license, latest utility bills, rent agreement, municipal tax receipt, property tax receipt, or an official document issued by the state or central governments with the updated address.
  • For salaried individuals: Bank statement showing credit of salary for the last 3 months and salary slips for the last 3 months For self-employed individuals: The latest record of income tax return.

Bank of Baroda Credit Card Fees and Charges

Type of fees and charges

Amount*

Joining Fee/Annual Fee

Depends on the card type

Finance Charges

3.49% per month, i.e. 41.88% per annum (may vary from card to card)

Late Payment Charges

Statement balance less than ₹100 = Nil

Statement balance between ₹100 and ₹500 = ₹100

Statement balance between ₹501 and ₹1,000 = ₹400

Statement balance between ₹1,001 and ₹10,000 = ₹600

Statement balance between ₹10,001 and ₹25,000 = ₹800

Statement balance more than ₹25,000 = ₹950

Cash Withdrawal Charges

2.5% of the amount or ₹500 (whichever is higher)

Exceeding Credit Limit Charges

2.5% of the exceeded amount or ₹500 (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

3.50%

*Fees and charges may vary based on the credit card type. Do check out the charges associated with specific cards before applying.

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. As the rewards vary depending on the card you own, check out the charges associated with specific cards before applying.

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 BoB credit card customer care. The Bank of Baroda credit card customer care numbers are 1800 258 4455 and 1800 102 4455. Depending on your query type, you can also contact customer care via email at ccb@bobfinancial.com or crm@bobfinancial.com.

There is also a dedicated customer care number for blocking cards in case of theft or loss. You can either dial 1800 103 1006 or 1800 225 100. The service is available 24 x7. Check out everything you need to know about the Bank of Baroda credit card customer care.

How to Get a Bank of Baroda Credit Card?

Once you have decided on the best Bank of Baroda credit card, it’s time to apply for the same. Please note that Bank of Baroda credit cards are not available on the Finserv MARKETS website. However, if you wish to apply for a BoB credit card online, you can visit the Bank of Baroda website and fill in the credit card application form. Alternatively, you can visit the Bank of Baroda branch and request a bank executive to help you with the process of applying for a BoB financial credit card.

Frequently Asked Questions

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

    Bank of Baroda (BoB) credit cards are not available on the Finserv MARKETS website. However, if you wish to apply for a BoB credit card, you can do so online by visiting the bank website and filling in the application form. You can also submit the BoB credit card application at the nearest bank branch.

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

    A high credit score of 750 or above is 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?

    If you have a Bank of Baroda credit card and wish to upgrade it, you can do so if you match the eligibility criteria for the new card.

  • ✔️What is the easiest Bank of Baroda 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.