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Credit Card

Bank of Baroda offers a range of Credit Cards which cater to the needs of every individual. The cards are loaded with special benefits and the Bank of Baroda rewards the cardholders with privileges and promise savings on every usage. The credit card application process is also simple and easy. Let us look at the various cards on offer in complete detail.

Types of Credit Cards offered by Bank of Baroda

  • BOB CARD Signature Visa – international credit cards offered by Bank of Baroda which are affiliated with VISA with premium benefits suitable for High Net Worth customers. The features and benefits of the card are as follows:
  • An international card with access to over 1 million ATMs worldwide with a cash withdrawal limit of 40% of the Credit Limit allowed.
  • An inbuilt free Personal Accident Coverage covering Air Accident for up to Rs. 50 lakhs and other accidents for up to Rs.10 lakhs.
  • If there has been a spending of Rs.2 lakhs in a year and the credit card bill has been paid regularly, the annul credit card fee is waived in the subsequent year
  • 2 Bank of Baroda loyalty points on every Rs.100 spent on the card
  • Other offers and privileges from VISA

Bank of Baroda Eligibility

  • Bank of Baroda credit card applicants should be aged between 18 – 65 years with an annual income of Rs.12 lakhs and above
  • An existing banking relationship with the bank is preferred

Documents for Bank of Baroda credit cards

  • Identity Proof which can be a copy of Passport, PAN Card, Aadhar Card, UID, Driving License or Voter’s ID Card
  • Income Proof which can be the latest IT Return, Form 16, Salary Slip for Government or PSU Employees
  • Address Proof which can be a copy of Passport, Electricity re telephone Bill, UID, Bank Passbook of any PSU Bank
  • Color Photograph
  • PAN Card copy
  • Last 3 months’ bank statement.

 

  • BOB CARD Platinum (Elite) –these are international credit cards offered by Bank of Baroda affiliated with VISA with premium benefits suitable for High Net Worth customers. The features and benefits of the card are as follows:
  • An international card with access to over 1 million ATMs worldwide with a cash withdrawal limit of 30% of the Credit Limit allowed
  • Free add-on cards can be availed up to a maximum of 3 cards
  • An inbuilt free Personal Accident Coverage covering Air Accident for up to Rs. 15 lakhs and other accidents for up to Rs.5 lakhs.
  • 1 loyalty point on every Rs.100 spent on the card
  • If there has been a spending of Rs.50, 000 in a year and the credit card bill has been paid regularly, the annul credit card fee is waived in the subsequent year
  • Other offers and privileges from VISA

Bank of Baroda Eligibility

  • Applicants of Bank of Baroda credit cards should be aged between 18 – 65 years with an annual income of Rs.4 lakhs and above
  • An existing banking relationship with the bank is preferred

Documents required

  • Identity Proof which can be a copy of Passport, PAN Card, UID, Driving License or Voter’s ID Card
  • Income Proof which can be the latest IT Return, Form 16, Salary Slip for Government or PSU Employees
  • Address Proof which can be a copy of Passport, Electricity re telephone Bill, UID, Bank Passbook of any PSU Bank
  • Color Photograph
  • PAN Card copy
  • Last 3 months’ bank statement.

 

  • BOB CARD Platinum Select - an international credit card affiliated with VISA with premium benefits suitable for High Net Worth customers. The features and benefits of the card are as follows:
  • An international card with access to over 1 million ATMs worldwide with a cash withdrawal limit of 40% of the Credit Limit allowed.
  • Up to 3 add-on cards can be availed free of cost
  • An inbuilt free Personal Accident Coverage covering Air Accident for up to Rs. 15 lakhs and other accidents for up to Rs.5 lakhs.
  • 2 loyalty point on every Rs.100 spent on the card
  • If there has been a spending of Rs.1 lakh in a year and the credit card bill has been paid regularly, the annul credit card fee is waived in the subsequent year
  • Other offers and privileges from MasterCard

 

 

Eligibility

  • Bank of Baroda Credit Card applicants should be aged between 18 – 65 years with an annual income of Rs.6 lakhs and above
  • An existing banking relationship with the bank is preferred

Documents required

  • Identity Proof which can be a copy of Passport, PAN Card, UID, Driving License or Voter’s ID Card
  • Income Proof which can be the latest IT Return, Form 16, Salary Slip for Government or PSU Employees
  • Address Proof which can be a copy of Passport, Electricity re telephone Bill, UID, Bank Passbook of any PSU Bank
  • Color Photograph
  • PAN Card copy
  • Last 3 months’ bank statement.

 

  • BOB CARD Assure – a VISA affiliated credit card with exclusive offers and benefits. The features of the card are as follows:
  • An international card with access to over 1 million ATMs worldwide with a cash withdrawal limit of 80% of the Credit Limit allowed.
  • The credit limit is calculated as 80% of the Fixed Deposit balance
  • Up to 3 add-on cards can be availed free of cost
  • An inbuilt free Personal Accident Coverage covering Air Accident for up to Rs. 15 lakhs and other accidents for up to Rs.5 lakhs.
  • 1 loyalty point on every Rs.100 spent on the card
  • If there has been a spending of Rs.50, 000 in a year and the credit card bill has been paid regularly, the annul credit card fee is waived in the subsequent year
  • Other offers and privileges from VISA

Eligibility

  • Applicants of Bank of Baroda credit cards must be aged above 18 years
  • The minimum amount of Fixed Deposit should be Rs.25, 000

Documents required while applying for a Bank of Baroda credit card

  • Identity Proof which can be a copy of Passport, PAN Card, UID, Driving License or Voter’s ID Card
  • Copy of the fixed deposit receipt of both front and back and duly discharged by the applicant
  • Annexure 1, 2 and 3
  • Local Address Proof 
  • which can be a copy of Passport, Electricity re telephone Bill, UID, Bank Passbook of any PSU Bank
  • Color Photograph

 

  • BOB CARD Titanium Master - a MasterCard affiliated credit card with exclusive offers and benefits. The features of the card are as follows:
  • An international card with access to over 1 million ATMs worldwide with a cash withdrawal limit of 30% of the Credit Limit allowed.
  • Up to 3 add-on cards can be availed free of cost
  • An inbuilt free Personal Accident Coverage covering Air Accident for up to Rs. 5 lakhs and other accidents for up to Rs.1 lakh.
  • 1 loyalty point on every Rs.100 spent on the card
  • If there has been a spending of Rs.25, 000 in a year and the credit card bill has been paid regularly, the annul credit card fee is waived in the subsequent year
  • Other inbuilt offers and privileges from MasterCard

Eligibility

  • The individual who wishes to apply for a Bank of Baroda credit card should be aged between 18 – 65 years with an annual income of Rs.2 lakhs and above
  • An existing banking relationship with the bank is preferred

Documents required

  • Identity Proof which can be a copy of Passport, PAN Card, UID, Driving License or Voter’s ID Card
  • Income Proof which can be the latest IT Return, Form 16, Salary Slip for Government or PSU Employees
  • Address Proof which can be a copy of Passport, Electricity re telephone Bill, UID, Bank Passbook of any PSU Bank
  • Color Photograph
  • PAN Card copy
  • Last 3 months’ bank statement.

 

  • BOB CARD Corporate Premium – a card affiliated with VISA offering the facility of management of business related expenses smoothly. The features and benefits of the card are as follows:
  • An international card with access to over 1 million ATMs worldwide with a cash withdrawal limit of 30% of the Credit Limit allowed.
  • An inbuilt free Personal Accident Coverage covering Air Accident for up to Rs. 5 lakhs and other accidents for up to Rs.1 lakh.
  • 1 loyalty point on every Rs.100 spent on the card
  • Other inbuilt offers and privileges from VISA
  • The card is Chip enables which provides enhanced security

 

 

Eligibility

  • Limited or Government companies and Partnership firms can avail of the card
  • The paid-up capital of the company should be Rs.25 lakhs and above
  • The Net Worth of the company should b eRs.50 lakhs and above
  • The company should have a credit facility with the bank of Rs.1 crore and above and the credit rating should be more than BOB 6
  • An existing banking relation with the bank is preferred.

Documents required

  • Board Resolution or Undertaking Letter
  • Memorandum and Articles of Association or Partnership Deed
  • Company’s PAN Card
  • Last 3 years’ audited Balance Sheet and Profit & Loss Account of the company
  • IT Return of the company
  • Photograph of applicants

 

  • BOB CARD Bombay Bullion (a co-branded credit card) – this card is a co-branded credit card issued by the Bank of Baroda which is affiliated with VISA. The card promises the under-mentioned features and benefits:
  • The card is an international card which is accepted globally
  • Three add-on cards can be added to the card without any cost
  • The card can be used at ATMs and the bank provides a cash withdrawal facility of up to 30% of the credit limit of the card
  • In case of a default, the cardholder is charged an interest rate of 2.6% per month on the reducing balance method
  • There is an inbuilt free accidental insurance coverage under the card which covers Air Accidental death up to Rs.15 lakhs and any other form of accidental deaths of up to Rs.5 lakhs
  • 1 point is granted as loyalty points on spending Rs.100 on the card
  • If Rs.50, 000 is spent on the card in a year and the credit card dues have been met, the annual fee is waived off

 

 

Eligibility

  • Bank of Baroda credit cards applicants should be aged between 18 to 65 years with an annual income of at least Rs.3 lakhs. If the applicant is an existing customer of the bank, his application would be preferred and the customer can view the application status online

Documents required

  • A proof of identity like passport copy, PAN Card, UID, Driving license or a voter’s ID Card
  • A proof of income like the latest income tax return, Form 16 or Salary Slip which is acceptable in case of a Government or a Public sector employee
  • A proof of address like the copy of the Passport, electricity bill, telephone bill, UID, passbook issued by a public sector bank.
  • Colored photograph
  • Copy of the applicant’s PAN Card
  • Bank statement of the last 3 months

All these documents should be self-attested by the applicants who apply for the credit cards  

Applying for a Credit card from the bank

A customer can apply for a Credit Card from the bank in any one of the following ways:

Applying online

Paisabazaar is your one stop shop when applying for a Bank of Baroda credit card. You just need to log on to our website and select the specific BoB card that you would like to apply for. You can easily compare the various options based on annual fees, interest rates, features, benefits, etc. before you make a final decision regarding which Bank of Baroda credit card works for you.  

 Credit card statement – Apart from the online credit card statement through NET banking facility provided by Bank of Baroda, you can also receive a physical copy of the statement at your registered address. The details included in this document are – transactions list (debits and credits), previous dues, payment due date as well as total and minimum amount due. This facility is provided at no extra charge.   

Online payment – Bank of Baroda credit cardholders can visit the online website and by using the net banking facility of the bank and pay their credit card bills. The customer needs to log in to the bank’s website and pay the relevant bill.

BOB Credit Card Customer Care

BOB credit card holders can contact the BOB credit card customer care for any unresolved query via call, email and SMS. Here are the details:

BOB credit card customer care toll free number: 1800 223 224 (Customer care executives are not available on public holidays, 2nd and 4th Saturdays)

BOB credit card customer care Email ID: ccb@bobcards.com

BOB credit card customer care mailing address:

Bobcards Limited
2nd Floor, Baroda House,
Behind Dewan Shopping Center,
S. V. Road, Jogeshwari West, Mumbai – 400102
Contact - 91 22 42068502

For more info, visit on the given link:

Bank of Baroda Credit Card
(5/5 ) 1 Review
Credit CardCredit Card
5/5

Good credit card

I have been using Bank of Baroda credit for over a year now and the benefits of the card are good. My card gives me 1 reward point for every Rs 100 transaction. The card also has an accidental death cover of up to Rs 1,00,000. I am very happy with the services of my BOB Titanium credit card.

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Posted on: Jan 18 , 2017
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