The Bank of Baroda Select Credit Card is seeing a lot of popularity among customers. This is due to the wide range of benefits and discounts that it offers to consumers on all their purchases. A vast range of features are made available to cardholders of the Bank of Baroda Select Credit Card.
Owing to the numerous options available for those looking to get a credit card, it can get confusing at times to know which credit card you should opt for. However, every BOB Select credit card review will offer compelling reasons as to why this is the best card for you.
There are certain eligibility criteria involved with all credit cards, but the Bank of Baroda Select credit card can be availed by those meeting the following credit:
The applicant must be aged between 18 to 65 years
The applicant needs to be self-employed or salaried
The applicant must have an annual income of ₹ 25,000
The applicant is required to submit documents as proof of identity, income, residence, and PAN Card along with a photograph.
Applying for the BOB Select Credit Card is an extremely easy and convenient process. There are two ways you can complete the process:
It is possible to apply for the Bank of Baroda Select Credit Card online through the bank’s website. You can download the form from the website, fill in all the required details, attach the necessary documents, and submit it at the nearest bank branch.
From your registered number, you can send an SMS to 9223990624 with the message “Apply <city name>”. A bank representative will contact you and help you complete the process for getting the BOB Select Credit Card.
There are some charges and fees associated with the Bank of Baroda Select credit card, as mentioned below. Before you get the credit card, it is important that you go through the details mentioned below.
Fee Type |
Amount |
First-year fee |
₹750 |
Annual Fee |
₹750 |
Cash Withdrawal Fee (Domestic ATM) |
Subject to a minimum ₹300, 2.5% of transaction value |
Cash Withdrawal Fee (International ATM) |
Subject to a minimum ₹300, 3.0% of transaction value |
Finance Charges or Interest |
3.25% monthly or 39% annually |
Duplicate Fee Bill |
₹25 per request |
Cheque Return Charges |
₹300 or 2% of cheque amount, whichever is higher |
Over Limit Charges |
1% once usage exceeds the sanctioned credit limit each month |
Card Replacement Charges |
₹100 per request |
Foreign Currency Transaction Fee |
3.5% of transaction value |
Charge Slip Retrieval Charges |
₹250 per slip |
Card Unblocking Charges |
₹300 per instance |
Late Payment Charges |
As per the outstanding amount: |
Less than 200: Nil |
|
₹201 to ₹500: ₹100 |
|
₹501 to ₹ 1,000: ₹ 400 |
|
₹ 1,001 to ₹ 10,000: ₹ 500 |
|
More than ₹ 10,000: ₹ 750 |
It is extremely easy to reach the BOB credit card customer care team. You can call on any of their domestic or international helpline numbers or even accelerate the issue through email. You can also choose to send a post to their registered offices across India to address your concerns.
Bank of Baroda Select credit card is one of the best credit cards available, and offers a range of benefits and rewards for cardholde₹
Credit card limits are decided on a range of factors. It is best to visit the bank branch and submit an application for increasing your credit card limit.
To get the Bank of Baroda Select credit card requires you to pay an annual fee of ₹750 as well as ₹750 as a first-year fee.
To apply for the Bank of Baroda Select Credit Card, you can visit the official website of Bank of Baroda or visit a local branch. The application process typically involves submitting required documents and meeting eligibility criteria, such as income requirements and credit history.
The key features of the Bank of Baroda Select Credit Card may include reward points on spending, discounts on partner merchants, travel benefits, fuel surcharge waivers, and access to exclusive privileges. It's advisable to check the specific features of the card at the time of application.
The eligibility criteria for the Bank of Baroda Select Credit Card may include factors such as age, income, credit score, and other financial parameters. Generally, applicants need to meet the bank's specified criteria to qualify for the credit card.
You can check the status of your Bank of Baroda Select Credit Card application by visiting the bank's official website or contacting the customer service helpline. The bank may provide an online tracking system or customer service representatives who can assist you with the application status.
The process for redeeming reward points on the Bank of Baroda Select Credit Card can be found in the card's rewards program details. Typically, the bank provides an online platform or a dedicated rewards portal where cardholders can log in and choose from a range of redemption options, such as merchandise, vouchers, or travel bookings.