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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.
|Card Name||Annual Fee||Benefits|
|Bank of Baroda Easy Credit Card||Rs. 500||Low fee|
|Bank of Baroda Select Credit Card||Rs. 750||Lifestyle|
|Bank of Baroda Premier Credit Card||Rs. 1,000||premium|
|Bank of Baroda Prime Credit Card||Nil||Low fee|
|Bank of Baroda ICAI Members||Nil||Extra Rewards, Complimentary insurance, Free Add-on card|
|Bank of Baroda Prime Credit Card||Nil||Free Add-on card, Zero Liability on Lost Card, In-built Insurance Cover|
|Bank of Baroda Swavlamban Credit Card||Applicable||Free Add-on card, Rewards, In-built Insurance Cover|
|Bank of Baroda ETERNA Credit Card||Rs. 2499||Reward Points, Easy EMI option, In-built Insurance Cover, Free Add-on card|
Get Best Cards Online
There are two modes of application for a Bank of Baroda Credit Card-
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.
Following are the documents required to get a BOB credit card-
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 provides a 24x7 Helpline. You can contact the respective customer care by dialing
1800 223 224.
A: If you opt for the Bank of Baroda Prime Credit Card, you will not have to pay any 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.
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).
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.
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.
A: Yes, you will get one percent Cash Back on all transactions you make using this card.
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.
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.
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.
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.
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.
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.
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.
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