Bank of Baroda Credit Cards 2024

Bank of Baroda, also known as BOB, is an Indian Multinational Banking and Finance Company. It is one of the leading banking companies in India that offer different types of credit cards.

Let’s take a look at the features and benefits of BOB credit cards.

Bank of Baroda Credit Cards

Bank of Baroda Easy Credit Card

• Earn 5x reward points on grocery, departmental and movie spends
• Earn 1x reward on other spendings
• Get 0.5% as cashback on card bill payment
• Get zero fuel surcharge for transactions ranging between Rs. 400 to Rs. 5,000

Bank of Baroda Select Credit Card

• Earn 5x rewards on dining, online shopping and utility bills
• Get 1000 bonus points every month on spending more than Rs. 1,000 per month for 5 transactions or more
• Get zero fuel surcharge by spending between Rs. 400 to Rs. 5,000 and earn 1% fuel surcharge waiver across all gas stations
• Redeem reward points for cashback and other exciting options

Bank of Baroda Premier Credit Card

• Earn 10 rewards on every Rs. 100 spent on dining, travel, online, utility bills and so on
• Get zero fuel surcharge by spending between Rs. 400 – Rs. 5,000 and 1% fuel surcharge waiver across all gas stations
• Get exclusive privileges across all domestic airports in India.
• Redeem, the accumulated reward points for cashback and other exciting options

Bank of Baroda Prime Credit Card

• Get 1% cashback on all spends
• Zero fuel surcharge at all gas stations
• Earn 4 rewards on every Rs. 100 spent on dining, travel, online shopping etc
• The cardholder can redeem the reward points either as a cashback or can opt for other exciting options

Bank of Baroda ICAI Members

• Exclusivity lifetime free credit card for ICAI members
• Earn 5 reward points on every Rs. 100 spent on dining, online & utility bills
• Save on international spends with 2% Reduced Forex mark-up
• Welcome Gift as free 6 months FitPass Pro membership worth Rs. 15,000
• Get up to 3 lifetime free add-on cards for your spouse, parents, siblings or kids (above age 18)

Bank of Baroda Prime Credit Card

• Guaranteed issuance against FD of 15,000 or more
• 1% cashback on all spends
• Zero fuel surcharge
• Zero first year and annual fees
• Exciting reward points as cashback and other exciting options

Bank of Baroda Swavlamban Credit Card

• Earn 4 Reward Points for every Rs. 100 spent
• Use upto 105% of your Credit Limit
• Convert purchase of > 2,500/- on your card into easy EMIs of 6/12 months

Bank of Baroda ETERNA Credit Card

• Enjoy the highest quality of Travel, Dining & Shopping experiences
• 1% fuel surcharge waiver at all fuel stations across India on transactions between Rs.400 and Rs. 5,000
• Earn 3 reward points for every Rs. 100 spent on any other category
• Report loss of card immediately to ensure zero liability on any fraudulent transactions

How to Apply for Bank of Baroda Credit Card?

There are two modes of application for a Bank of Baroda Credit Card-

Online

• Go to the company’s official website
• Choose the type of credit card you wish to apply
• Click on the ‘Apply Online’ option
• An OTP (One Time Password) is sent to your registered mobile phone. Use this OTP to proceed
• Enter your personal details
• 'Select Apply', and proceed further

Offline

You can apply offline by simply visiting the nearest BOB bank and meeting the credit card representative. The representative will help you complete the application and choose the appropriate card. Your eligibility is checked based on which will receive your credit card.

Documents Required

Following are the documents required to get a BOB credit card-

• An identity proof issued by the government of India like Voter ID, driving license, aadhaar card, passport, ration card, etc.
• Proof of Income
• Address proof
• PAN Card
• Passport size photograph

Bank of Baroda Credit Card Statement

You will be receiving the credit card statement every month. The statement will contain all the records and transactions of your previous month. You will receive the statement either via courier or through an email based on the option you’ve chosen. The credit card statement needs to be checked thoroughly.

Bank of Baroda Credit Card Customer Care Number

Bank of Baroda provides a 24x7 Helpline. You can contact the respective customer care by dialing 1800 223 224.

FAQs

1. Do I have to pay a maintenance fee for all the credit cards offered by the BOB?

A: If you opt for the Bank of Baroda Prime Credit Card, you will not have to pay any maintenance fee.

2. Can I get a waiver on the annual maintenance fee?

A: Yes, the Bank of Baroda offers waivers on the annual maintenance fee of its credit cards. For example, if you have the BOB Premier Credit Card, then you will pay an annual maintenance fee of Rs.1000. However, you can receive a waiver if you make an annual payment of Rs.1,20,000 and above using the card. Similarly, for Bank of Baroda Select Credit Card, an annual fee of Rs.750 is charged, which can be waived if you purchase Rs.70000 and above. For the BOB Easy Credit Card, the maintenance charge of Rs. 500 is waived for an annual expenditure of Rs. 35,000 and above.

3. What are the eligibility criteria?

A: If you can prove your credibility to repay the credit that will incur using the card, then you are eligible to apply for a card. Also, you need to provide income proof, identity proof, address proof, and Permanent Account Number (PAN).

4. Can I apply for a credit card online?

A: Yes, BOB has the option where clients can apply for a credit card online. You will have to log into the Bank's website and apply for the card. Once you provide all the details and upload the documents, the bank will start the verification process. When the verification is completed, the card will be sent to your address.

5. What is the value of the reward points?

A: When you use a Bank of Baroda credit card, you earn reward points. The value of the reward point is 1 point is equal to Re.0.25. So when you accumulate sufficient reward points, you can redeem them for vouchers of equivalent value.

6. Can I get cash back on the Bank of Baroda Prime Credit Card?

A: Yes, you will get one percent Cash Back on all transactions you make using this card.

7. How can I get the credit card statement?

A: Bank of Baroda has the Facility of sending your monthly credit card statement by email. You can also check your statement by logging in to the Bank's website.

8. What is the minimum eligibility criterion for BOB credit card?

A: You will have to produce a salary certificate that shows your salary is atleast Rs.3 lakhs per annum. This is applicable even for the Bank of Baroda Easy Credit Card.

9. Can companies apply for a Bank of Baroda credit card?

A: Yes, you can apply for a Bank of Baroda corporate credit card. However, you will have to show an annual income of Rs. 25 lakh and above.

10. Is there a minimum age to get a the BOB credit card?

A: Yes, you will have to be atleast 18 years of age. This is primarily because the credit card is given only to salaried and self-employed individuals. Therefore, a minimum age is mandatory.

11. How to increase the expiry date on BOB credit card?

A: You cannot increase the expiry date on the existing card. However, you can do so while applying for a new credit card. Request the bank about your requirements on the extended expiry date, and they will give you a suitable one.

12. Does the bank offer an add-on credit card?

A: Yes, you can apply for add-on credit cards for your family members. However, the credit limits and the add-on cards' features will be the same as the primary card.

13. Can I track the status of my application online?

A: Yes, the bank allows customers to track their status of credit card application online. All you need to do is log onto the bank's website and check the credit card section. Here, you will have to scroll down to 'Track my application' to evaluate your credit card application status with BOB.