Saturday, October 1, 2022

Bank of Baroda Credit Card – Check features, Benefits & Fees 2022

Bank of Baroda Credit Card Apply (BOB Credit Card): Bank of Baroda has come up with excellent credit cards keeping in mind the needs of its customers, from which one can choose the best credit card for themselves according to their needs. Most BOB credit cards come with a lifetime free feature, making them better than other credit cards. New customers get various cashback and reward point offers from credit cards. Which can be used by the customer at their convenience.

Bank of Baroda is one of the largest public sector banks in the country. It offers a variety of credit cards that have attractive features and benefits to offer and are accepted by merchants and ATMs globally. Here we will tell you about the features and benefits of the Bank of Baroda credit card and also provide you with the apply now button So that you do not face any problems applying for the credit card.

Bank of Baroda Credit Card Category Wise Details

Card VariantAnnual FeeSuitable for
BOB Easy Credit CardLifetime FreeLifestyle and Rewards
BOB Premier Credit CardLifetime FreeLifestyle and Rewards
Bank of Baroda Select Credit CardLifetime FreeLifestyle and Rewards
Bank of Baroda (BOB) Eterna Credit Card2499+GSTLifestyle and Rewards
BOB Premier Credit Card

Features of Bank of Baroda Credit Card Login (BOB Credit Card)

Quick and easy access to credit: This is one of the most important benefits of the BOB credit card. The person holding the card can do cardless transactions without worrying about cash. It works on a deferred payment basis, which means you can use your card now and pay later. A reasonable time is given to the cardholder to make the bill payment.

Cashback and Reward Points: Bank of Baroda credit cards come with exciting offers of cashback and rewards points. When you use the credit card for your bill payments, grocery payments, payments at departmental stores, or any other payment, the customer gets cashback and rewards points. Which you can use to purchase any item or pay your credit card bill

Benefits of Joining: Currently, all banks offer welcome offers to their customers with credit cards. In which customers get reward points and cashback offers. With Bank of Baroda credit cards, new customers also get to see a variety of welcome offers, which may vary from card to card.

Interest-Free Period: With BOB Credit Card, the customer gets an interest-free period of 45 to 60 days. During this period, no interest will be payable if the customer makes any purchases with his credit card. But the customer has to pay his bill within the time limit. If the payment is not made within the time limit, the customer will have to pay the eligible interest.

Airport Lounge Access: Enjoy 4 complimentary l0unge visits to select airport lounges within India per calendar year with your Bank of Baroda Credit Card.

Insurance Coverage: Credit cards offered by Bank of Baroda come with an in-built Personal Accidental Death Coverage. Here, the bank provides coverage to cardholders in case of accidents for free. The amount of coverage differs depending on the card.

Fuel Benefits: Avail of a fuel surcharge waiver of 1% with your credit card at all fuel pumps across India. The offer is valid only for transactions ranging between Rs.400 and Rs.5,000. The GST on the fuel surcharge will be non-refundable.

EMI Benefits: The credit card enables you to convert your purchases into EMIs with low-interest rates and a wide range of tenure ranges. Only purchases amounting to a minimum of Rs.2,500 can be converted to EMI with your credit card.

No joining fee: There is no joining fee for the customer to avail of the Some Bank of Baroda credit card, which makes this card better than the other bank’s credit cards.

Insta Pay Service: The Insta Pay service of Bank of Baroda has made it very easy and simple for credit cardholders to pay their bills online.

Bank of Baroda Credit Cards Benefits

Bank of Baroda (BOB) Eterna Credit Card

  • 15 Reward Points for every Rs. 100 spent on travel, dining, online & international transactions.
  • A welcome gift worth Rs. 15000 complimentary 6-month FITPASS PRO Membership.
  • Savings on international spending with reduced Forex mark-up of 2%.
  • Convert purchase of > 2500/- on your card into easy EMIs of 6/36 months.
BOB Eterna Credit Card

Bank of Baroda (BOB) Premier Credit Card

  • Earn 10 reward points for every Rs. 100 spent on Travel, Dining, and Abroad.
  • Complimentary access to airport lounges.
  • Spend Rs. 10000 within 60 days and Rs. 120000 in a year, for reversal/waiver of annual fees.
  • 1% fuel surcharge waiver at all fuel stations across India on transactions between Rs. 400 and Rs. 5000 (Max Rs. 250 per statement cycle)

Bank of Baroda (BOB) Select Credit Card

  • 5x i.e., 5 Reward Points for every Rs. 100 spent on Dining, Utility bills, and online spending.
  • 1 Reward Point for every Rs. 100 spent on other categories.
  • Spend Rs. 7500 within 60 days and Rs. 70000 in a year, for reversal/waiver of annual fees.
  • Convert purchase of > Rs. 2500 on your card into easy EMIs of 6/36 months.

Bank of Baroda (BOB) Easy Credit Card

  • 5x i.e., 5 Reward Points for every Rs. 100 spent on Grocery, Departmental stores, Movie spends.
  • 1 reward point for every Rs. 100 spent on other categories.
  • Spend Rs. 6000 within 60 days and Rs. 35000 in a year for reversal/waiver of annual fees.
  • Redeem your reward points as cashback and other exciting options.

BOB Credit Card fee and Charges

Fee TypeAmount
Joining FeeVaries from card to card
Finance Charges3.49% per month | 41.88% per annum
Cash Withdrawal Charges2.5% of the withdrawn amount or Rs. 500, Whichever is higher
Foreign Currency Transaction fee3.50% of the transaction amount
Late Payment FeeNil if Total Payment Due is up to Rs. 100
Rs. 100 if the total payment due is between Rs. 101 – Rs. 500
Rs. 400 if the total payment due is between Rs. 501 – Rs. 1000
Rs. 600 if the total payment due is between Rs. 1001 – Rs. 10000
Rs. 800 if the total payment due is between Rs. 10001 – Rs. 25000
Rs. 950 if the total Payment due is greater than Rs. 25000

 Eligibility and Documentation for Bank of Baroda (BOB) Credit Card

  •  The primary cardholder should be between the age of 18 and 60 Years
  • The individual should either be a Resident of India or a Non-Resident Indian.
  • Customer mobile number should be linked with Aadhar Card.
  • Salaried or self-employed professionals with an income level above 20000/-
  • Minimum CIBIL Score Required 700+

Documents for Bank of Baroda Credit Card application:

  • PAN card photocopy
  • Color photograph
  • Latest pays lip/Form 16/IT return copy as proof of income
  • Residence proof Passport/Ration Card/ Electricity bill/ Landline telephone bill.
  • Identity proof Passport/ Driving license/ PAN card/ Aadhaar card.

How to get a Bank of Baroda Credit Card?

  • Click on the link below to apply for the Bank of Baroda Credit Card.
  • Now customers will be redirected to the ‘Bank of Baroda’ website, now start the process
  • Submit personal details like Name, email ID, and mobile number. DOB as per Aadhaar card and enter the PAN card number.
  • Mark in the checkbox to accept the declaration and click on ‘Generate OTP’
  • Enter the received OTP and verify
  • Now customers need to select occupation type and gross annual income so that bank can suggest a suitable card
  • Now customers need to select any one card as per their eligibility and confirm to proceed
  • If the customer is an existing Bank of Baroda customer, then select ‘Yes’ and provide details as requested
  • If the customer is not an existing customer, then click on ‘No’ and click on ‘Continue’
  • Now the system will suggest an add-on card for your family at no extra cost. Customers can click on ‘No’ then click on ‘Submit & Proceed’
  • Now the system will ask ‘Do you want to avail direct debit facility?’ select ‘Yes’ if the customer wants to pay debt directly from the saving account or the customer can click on ‘No’ to avoid direct deduction from the saving accounts
  • If the customer selects ‘Yes’ then enter bank details and click on ‘Submit’
  • Now customers need to upload the required documents and click on ‘Submit & Proceed’
  • Now complete the e-Sign process, click on the check box, and accept T&C
  • Now choose the option to e-sign using Aadhaar and click on ‘Sign Document’
  • After the verification of OTP, the application ID will be generated on the final application confirmation page.
  • The customer will receive the link to complete the video KYC on the registered phone number and email ID within 2 days of submitting an application
  • Once the customer will complete the video KYC he/she will receive the card approval communication.

Bank of Baroda (BOB) Credit Card Apply Now Button Link

Bank of Baroda Credit Card Customer Care

By Phone: You can call the company’s customer care number on 1800-103-1006.

Email: You can also contact customer care through email. Below is the email address for specific queries:

BOB Credit Card Payment

Credit card bill payments can be done online or offline mode. You can choose one of the following methods to pay your bills online:

Net-Banking: You can use the facility of Net-Banking to pay your credit card bills with the help of your mobile or website.

NEFT/IMPS: If you do not have a net-banking account, you can pay your bills through NEFT or IMPS Facility.

Auto-Debit facility: You can set your credit card payments to auto-debit. Doing so will automatically deduct credit card payments from your account.

UPI: At present, UPI traction is being used a lot. You can pay for your credit cards using several applications like GPay and Phonepe.

Insta Pay Service: The Insta Pay service of Bank of Baroda has made it very easy and simple for credit cardholders to pay their bills online.

FAQ:

What is a Credit Card?

A credit card is a financial product offered by banks and non-banking financial companies (NBFCs). It gives cardholders access to instant credit. The amount of credit varies depending on several factors like age, the income of the cardholder, etc. Cardholders seeking credit using a credit card can pay it back in one go or in installments within the stipulated due date.

Can I use my credit card for international transactions?

Yes, you can use your Bank of Baroda (BOB), Credit Card, for international transactions. They are more helpful than other credit cards in the market as they come with a forex markup of only 3.5% of the transaction value.

How to get a Bank of Baroda Credit Card?

To apply for the Bank of Baroda Credit Card, you can do so through offline and online methods as well. You can apply for the card offline, by visiting the branch of Bank of Baroda or by contacting BOB customer care.
Through online methods, you can apply for the card through the link provided by us. Now you can apply for a Bank of Baroda Credit Card by clicking on this link. On clicking the link, a form will open, which you have to fill by following the instructions given above.

What are the eligibility criteria for BOB Credit Card?

You have to fulfill certain conditions to get a credit card from the Bank of Baroda.
You must have Indian citizenship to avail of the credit limit.
The age of the person is between 18 to 60 years.
Your monthly income is Rs. Rs.20000/-

How to Contact Bank of Baroda Credit Card Customer Care?

You can get your Email id registered by calling our phone banking toll-free number 1800 103 1006/1800 225 100.

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

The credit limit for your BOB credit card is fixed based on your CIBIL score and income. Generally, the credit limit ranges between Rs. 25,000 – Rs. 5,00,000.

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