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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.

Features & Benefits

There are several features and benefits offered with the BOB Select Card. Read on to learn more about these.

Annual Fee Waiver

By using the Bank of Baroda Select Credit Card, you can get an annual fee waiver of ₹70,000 after spending ₹7,500 within the first 60 days of having received the card.

Waiver on Fuel Surcharge

Fuel surcharge can often prove to be an expensive proposition, but with the BOB Select Credit Card, you can get zero fuel surcharge across all Indian petrol pumps. The waiver can be availed for all traREAD MOREnsactions, ranging between ₹400 and ₹5,000. READ LESS

Pay with EMIs

All the purchases you make through the Bank of Baroda Select credit card can be converted into EMIs. This makes it significantly easier for you to make your credit card repayments by extending the repaREAD MOREyment tenure up to 6 or 12 months. READ LESS

Free Add-on Cards

The primary cardholder with the BOB Select card can get up to three add-on lifetime-free credit cards for their family members. This could include your spouse, children, parents, or even siblings aged READ MOREabove 18 years. READ LESS

Free Insurance Cover

The Bank of Baroda Select credit card offers in-built cover for personal accidental death insurance for the cardholder and their family for no extra charge.

Zero Liability on Lost Cards

There are often cases of credit cards being stolen and used for fraudulent activities. However, with the Bank of Baroda Select Credit Card, you are held 0% liable for any fraudulent activities carried READ MOREout through your card if you report the loss of the card within 24 hours of it taking place. READ LESS


Other advantageous features of the BOB Select Credit Card include its revolving credit facility upon making payments of the minimum due amount and the 90-day interest-free period of 90 days.

Eligibility Criteria

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.

How to Apply for Bank of Baroda Select Credit Card

Applying for the BOB Select Credit Card is an extremely easy and convenient process. There are two ways you can complete the process:

1. Online:

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.

2. SMS:

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.

Fees & Charges

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


First-year fee


Annual Fee


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

Customer Care Details

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.


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 owner. 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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Frequently Asked Questions

What is Bank of Baroda Select credit card?

Bank of Baroda Select credit card is one of the best credit cards available, and offers a range of benefits and rewards for cardholde₹

What is the BOB Select credit card limit?

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.

Is Bank of Baroda Select credit card free?

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.

How can I apply for the Bank of Baroda Select Credit Card?

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.

What are the key features of the Bank of Baroda Select Credit Card?

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.

What are the eligibility criteria for the Bank of Baroda Select Credit Card?

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.

How can I check the status of my Bank of Baroda Select Credit Card application?

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.

How do I redeem reward points earned on my Bank of Baroda Select Credit Card?

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.

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