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Bank of Baroda (BoB) Credit Card

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Bank of Baroda offers a range of credit cards that cater to the needs of every individual. The cards come with special benefits, like exclusive memberships and 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 BoB credit cards with other details like their charges and eligibility criteria.

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Updated: 19-08-2025 07:44:12 AM

Disclaimer: Bank of Baroda is not a Paisabazaar partner and all content herein is strictly informative in nature. Paisabazaar is not affiliated with, sponsored by or in any way connected to Bank of Baroda. No credit card offers/services from Bank of Baroda are being provided by Paisabazaar. For further information about Bank of Baroda credit cards, users are required to reach out directly to Bank of Baroda.

Best BoB Credit Cards in India for 2025

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 Bank of Baroda credit cards are shown below:

BOB Tiara Credit Card

tiara-credit-card
3.5/5

Joining fee: ₹2499

Annual/Renewal Fee: ₹2499

5X rewards on dining, travel & international spends

Unlimited complimentary domestic lounge visits

Travel
Rewards
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Product Details

  • 15 reward points for every Rs. 100 spent on dining, travel and internationally
  • 3 reward points for every Rs. 100 spent on other categories
  • Low forex markup fee of 2%
  • Complimentary annual memberships of Amazon Prime/ Disney Hotstar and Gana Plus, once per annum
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BoB Eterna Credit Card

eterna-credit-card
3.5/5

Joining fee: ₹2499

Annual/Renewal Fee: ₹2499

5X rewards on dining, travel, international and online spends

Unlimited domestic airport lounge visits on Rs. 40,000 quarterly spends

Travel
Shopping
Movies
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Product Details

  • 3 reward points per Rs. 100 spent on other purchases; 1 reward point = Rs. 0.25
  • Complimentary 6-months FITPASS Pro membership worth Rs. 15,000
  • Buy 1 get Rs. 250 off on 2nd movie ticket on District app, once a month
  • 20,000 reward points on spending Rs. 5 lakh in a year
  • Annual fee waived on Rs. 2.5 lakh annual spends
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HPCL Bank of Baroda ENERGIE Credit Card

hpcl-bank-of-baroda-energie-credit-card
3/5

Joining fee: ₹499

Annual/Renewal Fee: ₹499

Up to 6.5% savings on HPCL fuel spends

Up to 25% off on movie tickets via District app, twice a month

Fuel
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Product Details

  • 24 reward points per Rs. 150 spent on HPCL fuel and LPG and 1% fuel surcharge waiver
  • 1.5% back as Payback points per Rs. 100 spent on fuel via HP Pay app
  • 10 reward points per Rs. 150 spent on departmental stores and utility spends
  • 2 reward points per Rs. 150 spent on other purchases and UPI; 500 reward points as joining bonus
  • Up to 4 domestic airport lounge access per year
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IRCTC BoB RuPay Credit Card

irctc-bob-rupay-credit-card
3/5

Joining fee: ₹500

Annual/Renewal Fee: ₹350

40 reward points per Rs. 100 spent on IRCTC train tickets

Up to 4 complimentary railway lounge visits per year

Travel
Rewards
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Product Details

  • 4 reward points per Rs. 100 spent at departmental stores
  • 2 reward points per Rs. 100 spent on other purchases, 1 reward point = Rs. 0.25
  • 500 bonus reward points on spending min. Rs. 5,000 within 60 days of card issuance
  • 1% fuel surcharge waiver, up to Rs. 100 per month, on fuel spends of Rs. 500 to Rs. 3,000
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BoB Easy Credit Card

easy-credit-card
3/5

Joining fee: ₹500

Annual/Renewal Fee: ₹500

5X rewards on departmental stores and movie spends

Annual fee waived on spending Rs. 35,000 in a year

Rewards
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Product Details

  • 1 reward point per Rs. 100 spent on other purchases
  • 1 reward point = Rs. 0.20
  • 500 bonus reward points on spending min. Rs. 5,000 within 60 days of card issuance
  • Joining fee waived on spending Rs. 6,000 within the first 60 days
  • 1% fuel surcharge waiver, up to Rs. 250 per month, on fuel spends of Rs. 400 to Rs. 5,000
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BoB Premier Credit card

premier-credit-card
3/5

Joining fee: ₹1000

Annual/Renewal Fee: ₹1000

5X rewards on dining, travel and international spends

Up to 4 domestic airport lounge access per year

Dining
Rewards
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Product Details

  • 2 reward points per Rs. 100 spent on other purchases; 1 reward point = Rs. 0.25
  • 500 reward points on spending Rs. 5,000 within 60 days of card issuance
  • Joining fee waived on spending Rs. 10,000 within the first 60 days
  • Annual fee waived on Rs. 1.2 lakh annual spends
  • 1% fuel surcharge waiver, up to Rs. 250 per month, on fuel spends of Rs. 400 to Rs. 5,000
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On this page:
Other Top BoB Credit Cards in India for 2025
BoB Credit Card: Features & Benefits
BoB Credit Card: Fees and Charges
Bank of Baroda Credit Card: Eligibility and Documentation
How to Apply Online for Bank of Baroda Credit Cards
Quick Links on How to Manage your BoB Credit Card
Frequently Asked Questions (FAQs) Related to BoB Credit Cards

BoB Credit Card: Features & Benefits

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.

BoB Credit Card: 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 Details
Joining/Annual Fee Varies from card to card
Finance Charges 1.50% to 3.60% per month (i.e. 18% to 43.2% per annum)
Late Payment Charges On Statement Balance of –
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
More than Rs. 50,000: Rs. 1,300

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

Bank of Baroda Credit Card: 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: 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

How to Apply Online for Bank of Baroda Credit Cards

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 credit cards with Paisabazaar, you can follow 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.

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Frequently Asked Questions (FAQs) Related to BoB Credit Cards

Which BoB Credit Card is lifetime free?

Yes, BoB Card offers select lifetime free cards. Some of the top Bank of Baroda lifetime free credit cards include Bank of Baroda Exclusive Credit Card for ICAI Members, Bank of Baroda ICSI Diamond Credit Card, Bank of Baroda CMA One Credit Card, and Bank of Baroda 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 the bank 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 Bank of Baroda branch and submitting the application form in person.

What is the minimum credit score to apply for a Bank of Baroda Credit Card?

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 Bank of Baroda (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 BoB 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 Bank of Baroda 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 Bank of Baroda branch and submit a written application to block and close your credit card.

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 use my BoB credit card for international transactions?

Yes, Bank of Baroda 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 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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