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All about Bank of Baroda credit card

[ecis2016.org] Bank of Baroda offers its customers a wide range of credit cards. You can choose a credit card according to your needs and requirements.

Bank of Baroda offers its customers a wide range of credit cards. You can choose a credit card according to your needs and requirements. 

Eligibility for BOB credit cards

  • The candidate must be 18 years of age. 
  • You must be either salaried or self-employed. 

Fees for BOB credit cards  

Joining Fee Varies from card to card. 
Finance Charges  3.49% to 41.88% 
Cash withdrawal charges  2.5% of the withdrawn amount
Foreign currency transaction fee 3.50% of the transaction amount

Types of BOB credit cards

Bank of Baroda ETERNA Credit Card 

Eligibility criteria  

  • The cardholder must be between the age of 21 to 65. 
  • The cardholder must be above 18 years of age. 
  • The candidate should be an Indian resident. 
  • The person must be salaried or self-employed. They should have an income of 12 lakhs per annum or more. 

Documents required  

  • PAN card 
  • Any one of the proofs – Aadhaar Card, Passport or Driving License, or Voter ID
  • Address Proof
  • Income Proof

Annual fees 

Fees Primary Add-on
First Year Fee Rs 2,499 NIL
Annual Fee Rs 2,499 NIL

Benefits

  • Travel Benefits
  • Movie and Shopping 
  • Dining Experiences
  • Milestone Rewards 
  • Fuel Surcharge Waiver
  • Core Reward Points 
  • Smart EMI options
  • Free add-on card
  • In-built insurance cover 
  • Zero liability on lost card 
  • Redeem reward points for cashback 

[ecis2016.org] Read about Bank of Baroda IFSC code 

  • Bank of Baroda Premium Credit Card 

Annual fees 

Fee type Fee Criteria 
1st year fee Rs 1,000 Spend Rs 10,000 on your card within 60 days of card setup. 
Annual fee Rs 1,000 Spend Rs 1,20,000 on the card in a year. 

Benefits 

  • 5X rewards on travel, dining and international expenses. 
  • Fuel Surcharge Waiver
  • Pay safe using the contactless card. 
  • Zero annual fees basis card usage. 
  • Easy EMI options 
  • Multiple redemption points 
  • Free add-on card 
  • In-built insurance cover 
  • Zero liability on lost card 
  • Exclusive privilege – One complimentary airport lounge visit for every calendar quarter 
  • Resolve credit facility 
  • Interest-free credit card facility 
  • Two reward points for every Rs 100 spent on other categories. 

IRCTC BoB Credit Card 

Eligibility criteria 

  • The cardholder must be between the age of 21 to 65. . 
  • The candidate should be an Indian resident. 
  • The person must be salaried or self-employed. They should have an income of 3.6 lakhs per annum or more. 

Documents required 

  • Photocopy of PAN card 
  • Any one of the proofs – Aadhaar Card, Passport or Driving License, or Voter ID
  • Current Address Proof
  • Income Proof
  • Company ID card and Visiting card
  • Recent Passport Size photograph 

Annual fees 

Fees Primary Add-on
First year fee Rs 500 NIL
Annual fee Rs 350 NIL

Benefits 

  • Bonus Rewards 
  • Train journeys made easy
  • Fuel Surcharge Waiver 
  • Extra Rewards 
  • Smart EMI options
  • Free add-on card 
  • Zero liability on lost card 
  • HPCL Bank of Baroda ENERGIE Credit Card 

Eligibility criteria

  • The cardholder must be between the age of 21 to 65. 
  • The candidate should be an Indian resident.  
  • The person must be salaried or self-employed. They should have an income of 3.6 lakhs per annum or more. 

Documents required  

  • Photocopy of PAN card 
  • Any one of the proofs – Aadhaar Card, Passport or Driving License, or Voter ID
  • Address Proof
  • Income Proof
  • Current Address Proof
  • Recent Passport Size Photograph 

Annual fees  

Fee Primary  Add-on
First year fee Rs 499 NIL
Annual gee Rs 499 NIL

Benefits 

  • 2000 joining rewards 
  • 1% surcharge 
  • Annual Fee Waiver 
  • Three-lifetime free add-on cards 
  • Smart EMI options

Select Credit Card  

Eligibility Criteria 

  • The cardholder must be between the age of 21 to 65. 
  • The candidate should be an Indian resident. 
  • The person must be salaried or self-employed. They should have an income of 3.6 lakhs per annum or more. 

Documents required 

  • Photocopy of PAN card 
  • Any one of the proofs – Aadhaar Card, Passport or Driving License, or Voter ID
  • Address Proof
  • Income Proof
  • Current Address Proof
  • Recent Passport Size Photograph 

Fees 

Fee type  Fee Criteria 
First year fee Rs 750 Spend Rs 7,500 on the card within the first 60 days of card setup 
Annual fee Rs 750 Spend Rs 70,000 on the card in a year 

Benefits 

  • Fuel Surcharge Waiver 
  • Pay safely with contactless cards
  • Easy EMI options
  • Five reward points for every Rs 100 used on dining, online purchase and utility bills. 
  • Zero annual fees basis card usage. 
  • One reward point for every Rs 100 spent on other categories. 
  • Multiple redemption options. 
  • Free add-on card 
  • In-built insurance cover 
  • Interest-free card facility 
  • Revolving credit facility 
  • Zero liability on lost card

Easy Credit Card 

Eligibility Criteria  

  • The cardholder must be between the age of 21 to 65. 
  • The candidate should be an Indian resident. 
  • The person must be salaried or self-employed. They should have an income of 3.6 lakhs per annum or more. 

Documents required 

  • Photocopy of PAN card 
  • Any one of the proofs – Aadhaar Card, Passport or Driving License, or Voter ID
  • Address Proof
  • Income Proof
  • Current Address Proof
  • Recent Passport Size Photograph 

Annual Fees  

Fee type  Fee Criteria 
First year fee Rs 750 Spend Rs 6000 on the card within the first 60 days of card setup 
Annual fee Rs 750 Spend Rs 35,000 on the card in a year 

Benefits

  • Fuel-surcharge waiver 
  • Pay safely with contactless cards
  • Easy EMI options
  • Five reward points on daily expenses.  
  • Zero annual fees basis card usage. 
  • One reward point for every Rs 100 spent on other categories. 
  • Multiple redemption options. 
  • Free add-on card 
  • In-built insurance cover 
  • Interest-free card facility 
  • Revolving credit facility 
  • Zero liability on lost card 

Swavlamban credit card 

Benefits 

  • Fuel Surcharge Waiver 
  • Pay safely with contactless cards
  • Easy EMI options
  • Zero annual fees basis card usage. 
  • Four reward points for every Rs 100 spent on other categories. 
  • Multiple redemption options. 
  • Free add-on card 
  • In-built insurance cover 
  • Interest-free card facility 
  • Revolving credit facility 
  • Zero liability on lost card 
  • Use beyond your credit card limit 

Eligibility criteria

  • The cardholder must be between the age of 21 to 65. 
  • The candidate should be an Indian resident. 
  • The person must be salaried or self-employed. They should have an income of 3.6 lakhs per annum or more. 

Documents required 

  • Photocopy of PAN card 
  • Any one of the proofs – Aadhaar Card, Passport or Driving License, or Voter ID
  • Address Proof
  • Income Proof
  • Current Address Proof
  • Recent Passport Size Photograph

Annual fees  

Fee type  Fee Criteria 
First year fee Rs 250 Spend Rs 2500 on the card within first 60 days of card setup 
Annual fee Rs 250 Spend Rs 12,000 on the card in a year 

Bank of Baroda MasterCard ConQR Credit Card 

Eligibility criteria 

  • The cardholder must be between the age of 21 to 65. 
  • The candidate should be an Indian resident. 
  • The person must be salaried or self-employed. They should have an income of 3.6 lakhs per annum or more. 

Documents required

  • PAN card 
  • Any of the following proofs – Aadhaar Card, Passport, Driving License or Voter ID.
  • Address Proof
  • Shop Registration Certificate – attested copy
  • Income Proof
  • Current Address Proof
  • Recent Passport Size Photograph 

Annual fees 

Fee type  Fee
First year fee Lifetime Free
Annual fee Lifetime Free

Benefits

  • Fuel Surcharge Waiver 
  • Travel and Stay
  • Health and Business Security
  • Pay safely with contactless cards
  • Smart EMI option
  • Five reward points on every Rs 100 spent on dining, other utilities and online expenses. 
  • Zero annual fees basis card usage. 
  • One reward point for every Rs 100 spent on different categories. 
  • Multiple redemption options. 
  • Free add-on card 
  • In-built insurance cover 
  • Interest-free card facility 
  • Revolving credit facility 
  • Zero liability on lost card 

Bank of Baroda Varunah Credit Card 

Annual fees 

Fee type  Fee Criteria 
First Year Fee Rs 250 Spend Rs 2,500 on the card within the first 180 days of card setup 
Annual Fee Rs 250 Spend Rs 1,50,000 on the card in a year 

Benefits 

  • Fuel Surcharge Waiver 
  • Pay safely with contactless cards
  • Smart EMI options
  • Welcome gifts – 
  • Five reward points on travel, dining and online.  
  • Exclusive privileges on domestic airport lounges.
  • Zero annual fees basis card usage. 
  • Earn three reward points for every Rs 100 spent on other categories. 
  • Multiple redemption options. 
  • Free add-on card 
  • In-built insurance cover 
  • Interest-free card facility 
  • Revolving credit facility 
  • Zero liability on lost card 

Bank of Baroda EXCLUSIVE Credit Card for ICAI Members 

Eligibility Criteria

  • The cardholder must be an active and eligible member of ICAI.
  • The cardholder must be above 18 years of age. 
  • The candidate should be an Indian resident. 

Documents required 

  • Photocopy of PAN Card 
  • Photocopy of ICAI Membership Card 
  • Current Address Proof
  • Latest Salary Slip
  • Recent Passport Size Photograph 

Fees 

Fee type  Primary Add on
First year fee Lifetime Free NIL
Annual fee Lifetime Free NIL

Benefits

  • Fuel Surcharge Waiver 
  • Pay safely with contactless cards
  • Easy EMI options
  • Travel benefits
  • Five reward points on travel, dining and online.  
  • Exclusive privileges on domestic airport lounges.
  • Zero annual fees basis card usage. 
  • Earn three reward points for every Rs 100 spent on other categories. 
  • Multiple redemption options. 
  • Free add-on card 
  • Fitness
  • Milestone Rewards
  • In-built insurance cover 
  • Interest-free card facility 
  • Revolving credit facility 
  • Zero liability on lost card 
  • Complimentary insurance

Bank of Baroda ICSI Diamond Credit Card 

Eligibility criteria  

  • The cardholder must be an active and eligible member of ICAI.
  • The cardholder must be above 18 years of age. 
  • The candidate should be an Indian resident. 

Documents required 

  • Photocopy of PAN Card 
  • Photocopy of ICAI Membership Card 
  • Current Address Proof
  • Latest Salary Slip
  • Recent Passport Size Photograph 

Annual fees 

Fee type  Primary Add on
First year fee Lifetime Free NIL
Annual fee Lifetime Free NIL

Benefits 

  • Fuel Surcharge Waiver 
  • Pay safely with contactless cards
  • Easy EMI options
  • Travel benefits
  • Five reward points on travel, dining and online.  
  • Exclusive privileges on domestic airport lounges.
  • Zero annual fees basis card usage. 
  • Earn three reward points for every Rs 100 spent on other categories. 
  • Multiple redemption options. 
  • Free add-on card 
  • Fitness
  • Milestone Rewards
  • In-built insurance cover 
  • Interest-free card facility 
  • Revolving credit facility 
  • Zero liability on lost card 
  • Complimentary insurance

Bank of Baroda CMA One Credit Card 

Eligibility Criteria  

  • The cardholder must be an active and eligible member of ICAI.
  • The cardholder must be above 18 years of age. 
  • The candidate should be an Indian resident. 

Documents required  

  • Photocopy of PAN Card 
  • Photocopy of ICAI Membership Card 
  • Current Address Proof
  • Latest Salary Slip
  • Recent Passport Size Photograph

Annual fees  

Fee type  Primary Add on
First year fee Rs 1 NIL
Annual fee NIL NIL

Benefits 

  • Fuel Surcharge Waiver 
  • Pay safely with contactless cards
  • Easy EMI options
  • Travel benefits
  • Five reward points on travel, dining and online.  
  • Exclusive privileges on domestic airport lounges.
  • Zero annual fees basis card usage. 
  • Earn three reward points for every Rs 100 spent on other categories. 
  • Multiple redemption options. 
  • Free add-on card 
  • Fitness
  • Milestone Rewards
  • In-built insurance cover 
  • Interest-free card facility 
  • Revolving credit facility 
  • Zero liability on lost card 
  • Complimentary insurance

Unnati Credit Card 

Benefits  

  • An exclusive card for the farmers. 
  • Fuel Surcharge Waiver 
  • Pay safely with contactless cards
  • Easy EMI options
  • Five reward points on travel, dining and online.  
  • Zero annual fees basis card usage. 
  • Earn one reward point for every Rs 100 spent on other categories. 
  • Multiple redemption options. 
  • Milestone Rewards
  • In-built insurance cover 
  • Interest-free card facility 
  • Revolving credit facility 
  • Zero liability on lost card 
  • Excellent repayment support 

Prime Credit Card 

Benefits

  • Zero Fuel Charge
  • Pay safely with contactless cards
  • Easy EMI options
  • Travel benefits
  • Five reward points on travel, dining and online.  
  • Exclusive privileges on domestic airport lounges.
  • Zero annual fees basis card usage. 
  • Earn three reward points for every Rs 100 spent on other categories. 
  • Multiple redemption options. 
  • Free add-on card 
  • Fitness
  • Milestone Rewards
  • In-built insurance cover 
  • Interest-free card facility 
  • Revolving credit facility 
  • Zero liability on lost card 
  • Guaranteed insurance
  • One per cent cashback on all spends 
  • Zero first year and annual fees

Corporate Credit Card 

Benefits 

  • Fuel Surcharge Waiver
  • Pay safely with contactless cards
  • Smart EMI options
  • Travel benefits
  • Five reward points on travel, dining and online.  
  • Exclusive privileges on domestic airport lounges.
  • Zero annual fees basis card usage. 
  • Earn three reward points for every Rs 100 spent on other categories. 
  • Multiple redemption options. 
  • Free add-on card 
  • Fitness
  • Milestone Rewards
  • In-built insurance cover 
  • Interest-free card facility 
  • Revolving credit facility 
  • Zero liability on lost card 
  • Guaranteed insurance
  • One per cent cashback on all spends 
  • Zero first year and annual fees

Eligibility criteria 

  • The cardholder must be an active and eligible member of ICAI.
  • The cardholder must be above 18 years of age. 
  • The cardholder must be between the age of 21 to 65. 
  • Sole proprietors are not eligible for the card.
  • The candidate should be an Indian resident. 

Documents required  

  • Photocopy of PAN Card 
  • Current Address Proof
  • Latest Salary Slip
  • Recent Passport Size Photograph 

Annual Fees 

Fee type  Primary
Joining Fee NIL
Annual Fee NIL

Apply for BoB credit card online 

  1. To begin the credit card process, please provide your mobile number in the application form. 
  2. You will get the OTP on your number. After which, you can check the pre-approved offers.
  3. Select the credit card you prefer and the one that fits your needs. 
  4. Apply for the preferred credit card. In the next step, provide the required documents to proceed with the application process. 

Check BoB credit card application status 

  • You can check and view the Bank of Baroda Credit Card at http://www.bobfinancial.com/track-application-status.jsp
  • Enter your application number and check the details. 
  • You will get any one of the following options on checking the application status – 
  • In progress
  • Approved 
  • Dispatched 
  • Rejected

Track BoB credit card application online 

  • You can place a call to customer care at 1800-103-1006 / 1800-225-10 to view your credit card application status. 
  • Visit the nearest home branch and contact the bank official. 

Log in to BoB credit card account  

  • Visit the official website http://www.bobibanking.com/
  • Select the user type and enter the Customer ID and password issued to the bank. 
  • You will be directed to your account. 

Reset BoB credit card pin 

  • You can select the set/re-generate pin after inserting your Credit Card into the Bank of Baroda ATM. 
  • After entering your credentials, you will receive the OTP on your registered mobile number. 
  • Now, you can enter the new PIN. 
  • It is all set, and you can use your credit card with the new PIN. 

Check BoB credit card statement 

  • The customer receives an email and an attached copy of the monthly credit card statement. The bill is dated the first of every month, and the due date is the 20th. 
  • If you wish to download the statement for any other month, you can do so by logging into your account. Click on the ‘Credit Card Statement’ in the credit card section to view the statement. 

View your Balance in BoB credit card 

  • You can use the net banking option to check the credit card balance
  • You can use the M-Connect plus Mobile Application to view the balance. It is an app designed by the Bank of Baroda. 
  • You can call the customer service team at 1800 258 44 55 / 1800 102 44 55.
  • You can enquire about your card balance through SMS banking by sending a message to 8422009988. 
  • Place a call to 84680 01111 from your registered mobile number, and you will get a message regarding your balance. 

Ways to block BoB credit card  

  • Online – Email at crm@bobfinancial.com

Write your reason for blocking the credit card in the subject of the mail along with your credit card number. 

  • Phone banking – Place a call to the customer care executive at 1800225100 / 18001031006. 

Specify your reason and request them to block your credit card. The customer care executive will verify your identity and then block your card. 

  • SMS – Type a message to +91 9323803935. 

Send the following message from your registered mobile number: BLOCK <credit card number>. 

  • You can also visit your nearest home branch to block your credit card. With the help of a bank official, apply along with a photocopy of your identity proof. 

Close your BoB credit card

  • You can submit a written application to cancel your credit card by submitting a written request. You need to attach your credit card to the application. 

Benefits of BoB credit card 

  • The BoB credit card offers an Easy EMI option. 
  • You can also avail the free add-on cards. 
  • There are multiple redemption options available along with the credit card. 
  • The credit card holder will also receive the fuel surcharge waiver. 
  • The BoB credit card offers an in-built insurance cover.
  • You receive zero liability on lost cards. 

Contact details of Bank of Baroda  

Toll-free number 

1800 258 4455 / 1800 102 4455

Bill-related queries crm@bobfinancial.com

1800 103 1006/1800 225 100 

Product Information ccb@bobfinancial.com

Check out: Know about Baroda Gujarat gramin bank IFSC code 

FAQs

What is the cash limit on the Bank of Baroda credit card?

Forty per cent of total credit is the limit.

How do I increase my BoB credit card limit?

You can visit the official Bank of Baroda to increase the limit.

Does the add-on card have a separate card limit?

No. The add-on card has the same credit limit as the primary card.

What is a PIN?

A PIN is a four-digit Personal Identification Number.

Source: https://ecis2016.org/.
Copyright belongs to: ecis2016.org

Debora Berti

Università degli Studi di Firenze, IT

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