Bank of Baroda Credit Card

Bank of Baroda offers a range of credit cards that cater to the needs of every individual. The cards are loaded with special benefits like exclusive memberships or deals along with good value back on your purchases in the form of rewards or cashback. You can choose any of the credit cards based on your spending behaviour, repayment capacity and eligibility. Here, we have mentioned some of the top Bank of Baroda credit cards along with their features, benefits, charges and other details.

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Please Note: Bank of Baroda is not a Paisabazaar partner. Offers would be from partner Banks/NBFCs only.

Best BoB Credit Cards in India for 2023

BoB offers credit cards for multiple categories like travelling, shopping, dining, entertainment and more. Besides this, you can shop and earn reward points or cashback on every transaction and later redeem them against multiple options as per your choice. Some of the popular cards offered by the Bank of Baroda are shown below:

3/5

Bank of Baroda Premier Credit Card

Best suited for : Travel, Dining

Joining Fee: ₹ 1,000/-
Annual Fee: ₹ 1,000/-
(Waived off on spending Rs. 1,20,000 in a year)

3/5

Bank of Baroda Select Credit Card

Best suited for : Dining, Rewards

Joining Fee: ₹ 750/-
Annual Fee: ₹ 750/-
(Waived off on spending Rs. 70,000 in a year)

3/5

Bank of Baroda Easy Credit Card

Best suited for : Movies, Grocery

Joining Fee: ₹ 500/-
Annual Fee: ₹ 500/-
(Waived off on spending Rs. 35,000 in a year)

3/5

Bank of Baroda Eterna Credit Card

Best suited for : Rewards

Joining Fee: ₹ 2,499/-
Annual Fee: ₹ 2,499/-
(Waived off on spending Rs. 2.5 lakh in a year)

3/5

IRCTC BoB Rupay Credit Card

Best suited for : Travel

Joining Fee: ₹ 500/-
Annual Fee: ₹ 350/-

Other Bank of Baroda Credit Cards

Apart from the above-mentioned cards, BoB also offers cards for navy personnel, defence personnel and others. Below we have mentioned some of the other Bank of Baroda credit cards that offer benefits across multiple categories:

Credit Card	Annual Fee	Best Suited for
Bank of Baroda Exclusive Credit Card	₹ Nil	ICAI Members
Bank of Baroda ICSI Diamond Credit Card	₹ Nil	ICSI Members
Bank of Baroda CMA One Credit Card	₹ Nil	ICMAI Members
Bank of Baroda Vikram Credit Card	₹ Nil	Defence Personnel
Bank of Baroda Prime Credit Card	₹ Nil	Cashback

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Fees and Charges

The fees and charges associated with the Bank of Baroda credit card vary as per the variant of your card. However, the general fees and charges associated with all the cards are listed below:

Fee Type

Amount

Joining/ Annual Fee

Varies from card to card

Finance Charges

3.49% per month | 41.88% per annum

Late Payment Fee

For outstanding balance	Fee
Less than Rs. 100	Nil
Rs. 100 to Rs. 500	Rs. 100
Rs. 501 to Rs. 1,000	Rs. 400
Rs. 1,001 to Rs. 10,000	Rs. 750
Rs. 10,001 to Rs. 25,000	Rs. 950
Rs. 25,001 to Rs. 50,000	Rs. 1,100
Above Rs. 50,000	Rs. 1,300

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Please refer to the terms and conditions for card variants separately. For other fees & charges, terms and conditions related to BoB Credit Cards, click here.

Eligibility and Documentation

To be eligible for any Bank of Baroda Credit Card, you need to meet the basic eligibility criteria set by the bank as mentioned below:

Age

You need to be at least 18 years and above to apply for Bank of Baroda Credit Cards.

Occupation

You can apply if you are either Salaried or Self Employed.

Bank of Baroda Credit Card Apply Online

Please note that currently, Bank of Baroda is not a partner of Paisabazaar. Therefore, if you are interested in any of the BoB credit cards, you can contact the bank by visiting the website or the nearest branch. However, if you are interested to apply for other credit cards with Paisabazaar, you can follow the below-mentioned steps:

ENTER YOUR MOBILE NUMBER
Provide your mobile number in the application form to start the application process.
VERIFY OTP AND CHECK AVAILABLE OFFERS
Provide the OTP to check the pre-approved offers on the screen.
SELECT PREFERRED CREDIT CARD
Based on the offers shown to you, as per your income eligibility, select the best credit card that fits your requirements.
APPLY AND PROVIDE DOCUMENTS
Apply for the credit card and provide documents for further processing of the application.

Quick Links on How to Manage your Bank of Baroda Credit Card

Click on the links given below to know various details and procedures associated with Bank of Baroda credit cards that can help you in managing your card easily.

Frequently Asked Questions

What are the ways for Bank of Baroda Credit Card payment?

You can make Bank of Baroda Credit Card payment through these ways; (i) Via cash by directly visiting the nearest branch and paying via cash (ii) Via Cheque by submitting the cheque at the nearest branch or by mailing it to the bank’s address. Besides this, you can also make online payment by using facilities like NEFT, Billdesk, Insta Pay Service, internet banking, mobile banking and more.

Can I apply for an add-on card with my Bank of Baroda Credit Card?

Yes, you can apply for an add-on card with your primary card. However, the fees, charges and credit limit offered on add-on card depends on the variant of your card. Some of the add-on cards are also offered without any joining and annual fees.

How can I check the application status of my Bank of Baroda Credit Card?

You can track the Bank of Baroda credit card application status by visiting the official website of the bank. All you need to do is select the ‘Track your application’ option under the ‘Cards’ tab and enter your application number. It is mandatory to enter your application number if you want to track your application status. You can also contact customer care of the bank and ask the representative about your application status.

What should I do if my Bank of Baroda Credit Card is lost or damaged?

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 the 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.

Can I get a Bank of Baroda Credit Card even if I am not a taxpayer?

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 salary slips are considered to be the proof of income for salaried and Form 16/ITR return for professional and self-employed.

What is Bank of Baroda Credit Card Customer Care number?

In case of any discrepancy regarding your Bank of Baroda credit card, you can contact the bank via 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 an SMS ‘Query Keyword’ XXXX, where XXXX is 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 an SMS facility by sending DOM XXXX.

Can I withdraw cash using my BOB credit card?

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.

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