Bank of Baroda Credit Card

There are various ways in which you can make Bank of Baroda Credit Card payment. This includes (i) Via cash by directly visiting the nearest branch of Bank of Baroda and making direct cash payment at the counter (ii) Via Cheque- On the cheque, you must mention the 16 digit card number. On the backside of the cheque you must write BOBCARDS A/C NO, Credit Card Number, Cardholder’s Name and Contact Number (iii) Via NEFT- You can also make direct NEFT payment towards your BOB Card bills (iv) Billdesk- using the online ID (v) Online Payment- using internet banking or Insta Pay service (vi) Auto Debit by setting standing instructions on your bank account.

Yes, the Bank of Baroda provides add-on card facilities with the same credit limit and features as that of the primary cardholder.

To check the progress of your Bank of Baroda credit card application status, you can visit the bank's website. On the homepage, there is a tab of ‘Cards’ where you can select the credit card category. You will find an option of ‘Track your Application’. You will be asked for an application reference number post which the bank will be able to tell you the status of your credit card. Here are some of the results that you may get, (i) In Process – This means your credit card application is under the process of reviewing by the bank (ii) On Hold – Due to any missing information in your credit card, the bank may put your credit card on hold (iii) Dispatched – This means your credit card application has been approved by the bank and dispatched to the given address. The credit card should reach you within 7-10 working days (iv) Rejected – The bank can reject the credit card application because of any reason be it not meeting the eligibility criteria or low credit score. For the main reason for rejection, you can contact the bank and they will help you with your application.

If your credit card is lost or stolen, you should immediately inform the nearest BoB branch office. As per this information, the bank will immediately stop payments on your current card and a new card will be delivered to you within 7 days. Also, you can call the Bank of Baroda customer care number. The bank however requires you to submit a copy of the FIR acknowledged by Police. In case your credit card is damaged or not working on the PoS terminal, you can return the card to the bank. The damaged card will then be replaced with a new credit card and will be sent to your registered address.

Yes, both Individuals and Corporate who fulfill the eligibility criteria can apply for the Bank of Baroda Credit Card. However, it is mandatory to submit a copy of your PAN card. Further, copies of ITR are considered to be the proof of income for professional and self-employed and Form 16/ITR return for salaried.

In case of any discrepancy regarding your Bank of Baroda credit card, you can contact the bank via the toll free number, 1800-103-1006 / 1800-225-100. Apart from this, you can get assistance via the SMS service on 9223172141 from your registered mobile number. For this, send a SMS ‘Query Keyword’ XXXX, where XXXX are the last four digits of your credit card number. For balance enquiry BAL XXXX, for block lost or stolen card BLOCK XXXX, for reward point summary REWARD XXXX, for last statement summary STAT XXXX, and for last Payment Details PAYMENT XXXX. Further you can also set the domestic e-commerce limit on your credit card with SMS facility by sending DOM XXXX.

Yes, you can withdraw cash using your Bank of Baroda credit card. This, however, is not advisable, as cash withdrawal with credit cards is subject to fees and charges. The current applicable charge for BoB credit card cash withdrawal is 2.5% of the withdrawn amount or Rs. 500, whichever is higher. Along with this, the cash withdrawn is also eligible for finance charges of up to 3.49% per month. Note that the finance charges may vary across all BoB credit cards.