BOB Credit Card

BOBCARD comes with the following features and benefits for its users:

• Rewards: You can earn value-back on every purchase by earning reward points or cashback.
• Savings Offers:  and availing discounts and other offers on popular lifestyle-related spends, such as dining, movies, travel, shopping, etc.
• Use Now Pay Later: You can use the available credit limit of your BOB Credit Card for your purchases and repay the amount by the statement due date.
• Contactless Transactions: BOBCARD allows you to enable contactless transactions, where applicable, and pay by simply tapping the card on NFC enabled POS machines.
• Add-on Cards: A primary BOB Credit Card user can get up to 3 add-on cards for the immediate family members.
• EMI Conversion: You can convert any ticket purchase into smaller easy EMIs to be paid over a pre-decided tenure.

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

Click here for the detailed terms and conditions and other fees and charges applicable on BOB Credit Cards.

To be eligible for any BOBCARD, you need to meet the basic eligibility criteria set by the card provider, as mentioned below:

• Age: Between 18 years and 65 years, depending on the card variant
• Occupation: Salaried or self-employed
• Documents Required: Passport size photograph along with the applicable identity, address and salary proofs

Also Read: BOB Credit Card Eligibility

You can apply for credit cards with Paisabazaar by following the below-mentioned steps:

Step 1: Enter Your Mobile Number
Provide your mobile number in the application form to start the credit card application process.

Step 2: Verify OTP and Check Available Offers
Provide the OTP sent to your mobile number to check the pre-qualified offers on the screen.

Step 3: 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.

Step 4: Apply and Provide Documents
Apply for the chosen credit card and provide the necessary documents for further processing of the application.

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

Which BOB Credit Card is lifetime free?

Yes, BOB Card offers select lifetime free cards. Some of the top BOB lifetime free credit cards include Exclusive Credit Card for ICAI Members, ICSI Diamond Credit Card, CMA One Credit Card, and Vikram Credit Card. Besides this, if you have a savings or salary account with the bank, you might be eligible for lifetime free offers on select cards. You can contact BOBCARD to check if any such offers are available.

Suggested Read: Best Lifetime Free Credit Cards in India

How to apply for a BOB Credit Card?

To apply for a BOB Credit Card online, visit the official BOB Cards website and navigate to the credit card of your choice. You’ll need to fill out and submit the application form along with the required documents. You can also apply offline by visiting any nearest BOBCARD branch and submitting the application form in person.

What is the minimum credit score to apply for a BOBCARD?

Generally, a minimum CIBIL score of 750 is required to apply for a BOB Credit Card. If your score is lower than that, the chance of rejection of your credit card application increases.

How to activate a BOB Credit Card?

To activate your BOB Credit Card, you can log in to internet banking and set a 4-digit PIN to complete the activation. Alternatively, you can call the BOB credit card customer care number and generate the 4-digit PIN via phone banking to activate your card.

How to redeem BOB Credit Card points?

You can redeem your accumulated BOB Credit Card reward points online through the BOBCARD Rewards portal: www.barodarewardz.com. The reward points can be redeemed across various categories, as per your needs.

Suggested Read: BOB Premium Credit Cards

How to pay a BOB Credit Card bill?

You can pay your BOB Credit Card bill online using third-party apps like CRED. Additionally, payments can be made through NEFT, BBPS, the BOB UPI app, and other online banking channels. You can also make offline bill payments by depositing a cheque or cash at any BOBCARD branch.

Suggested Read: BOB Credit Card EMI

How to close a BOB Credit Card?

If you wish to close your BOB Credit Card, you can contact customer service and request closure by stating a valid reason. Alternatively, you can visit a nearby BOBCARD branch and submit a written application to block and close your credit card.

What are the ways for BOBCARD payment?

You can make BOB 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 BOB 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 BOB Credit Card?

You can track the BOB 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 card provider and ask the representative about your application status.

What should I do if my BOB 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 card provider will immediately stop payments on your current card and a new card will be delivered to you within 7 days. You can also call BOBCARD customer care number for the same. However, you may be required 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 provider. The damaged card will then be replaced with a new credit card and will be sent to your registered address.

Can I get a BOB Credit Card even if I am not a taxpayer?

Yes, both individuals and corporate who fulfill the eligibility criteria can apply for BOB 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 BOB Credit Card Customer Care number?

In case of any discrepancy regarding your BOB credit card, you can contact BOBCARD customer support via toll free numbers, 1800 2090 / 1800 1210. 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 use my BOB credit card for international transactions?

Yes, BOB offers many good credit cards for international travel and usage. You can use your BOB Credit Card for international spends by enabling such transactions by logging into your credit card account online or via mobile app. After logging in, go to menu and select the ‘card usage/management’ option. You can then activate your card for international use instantly.

Can I withdraw cash using my BOB credit card?

Yes, you can withdraw cash using your BOB 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.