Bank of Baroda Credit Card Benefits: Types, Eligibility and Charges

Bank of Baroda Credit Card Benefits in HindiBank of Baroda offers a variety of credit cards that meet the needs of every individual. The cards are loaded with exclusive benefits and you are also rewarded with privileges and promised savings on every use.

The BoB credit card application process is simple and easy. Let us look at various Bank of Baroda credit cards in detail as well as Bank of Baroda Credit Card Benefits in Hindi.

Benefits of Bank of Baroda Credit Card in Hindi

Benefits of Bank of Baroda Credit Card in Hindi

Bank of Baroda (BoB) offers a wide variety of credit cards to meet the varied financial needs of the new age customers. Packed with exclusive benefits, these cards are issued by BoB Financial Solutions Limited (BFSL), a subsidiary of BoB, through a simple and hassle-free application process. Once you own the card, you can also use it to earn rewards under the dedicated rewards program. However, the nature of these benefits will depend on the type of card you own. To understand this better, let’s take a look at the best BoB credit card options.

Types and Benefits of Bank of Baroda Credit Card in Hindi

There are various BoB credit card types to choose from. The features and benefits of the top card are mentioned below.

1. Bank of Baroda ETERNA Credit Card

  • First year fee – ₹2,499; Annual Fee – ₹2,499
  • For every ₹100 spent on Shopping, Movies, Dining, Online Shopping, Travel and International transactions, earn 15 Reward Points (maximum 5,000 Reward Points per month).
  • For every ₹100 spent on any other category, earn 3 reward points
  • Receive a free 6-month FITPASS PRO membership worth ₹15,000 as a welcome gift
  • Get 10,000 bonus reward points on spending of Rs.50,000 within 60 days
  • Get 20,000 Bonus Reward Points on spending ₹5,00,000 in a year
  • Get Free Personal Accident Death Cover (Air Category: ₹1 Crore; Non-Air Category: ₹10 Lakh)
  • Avail up to three, lifetime-free, add-on cards (for parents, spouse, children {18 years of age or older} or siblings).
  • Avail 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 (maximum ₹250 per statement cycle) at all fuel stations in the country
  • Redeem earned reward points as cashback and other exciting options
  • Convert purchases above ₹2,500 into easy EMIs of 6 or 12 months

2. Bank of Baroda EASY Credit Card

  • First year fee – ₹500; Annual Fee – ₹500
  • For every ₹100 spent on movie tickets, grocery shopping and department store purchases, earn 5 Reward Points (maximum 1,000 Reward Points per month).
  • Get a cashback of 0.5% on the card bill paid in your next statement
  • Avail annual fee waiver/reversal against expenditure of ₹6,000 within a period of 60 days or ₹35,000 in a year
  • Interest free credit up to 50 days
  • Avail up to three, lifetime-free, add-on cards (for parents, spouse, children {18 years of age or older} or siblings).
  • Avail 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 (maximum ₹250 per statement cycle) at all fuel stations in the country
  • Redeem earned reward points as cashback and other exciting options
  • Convert purchases above ₹2,500 into easy EMIs of 6 or 12 months

3. Bank of Baroda SELECT Credit Card

  • First year fee – ₹750; Annual Fee – ₹750
  • For every ₹100 spent on food, online shopping and utility bills, earn 5 Reward Points (maximum 1,000 Reward Points per month).
  • Get 1,000 bonus reward points on 5 transactions of ₹1,000 or more per month
  • Avail annual fee waiver/reversal against expenditure of ₹7,500 within a period of 60 days or ₹70,000 in a year
  • Interest free credit up to 50 days
  • Avail up to three, lifetime-free, add-on cards (for parents, spouse, children {18 years of age or older} or siblings).
  • Avail 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 (maximum ₹250 per statement cycle) at all fuel stations in the country
  • Redeem earned reward points as cashback and other exciting options
  • Convert purchases above ₹2,500 into easy EMIs of 6 or 12 months

4. Bank of Baroda Premier Credit Card

  • First year fee – ₹1,000; Annual Fee – ₹1,000
  • Get 10 reward points (maximum 2,000 reward points per month) for every ₹100 spent on food, travel and international transactions
  • Complimentary airport lounge access at participating domestic airports
  • Avail annual fee waiver/reversal against expenditure of ₹10,000 within a period of 60 days or ₹1,20,000 in a year
  • Interest free credit up to 50 days
  • Receive up to three, lifetime-free, add-on cards (for parents, spouse, children {18 years of age or older}, or siblings)
  • Avail 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 (maximum ₹250 per statement cycle) at all fuel stations in the country
  • Redeem earned reward points as cashback and other exciting options
  • Convert purchases above ₹2,500 into easy EMIs of 6 or 12 months

5. Bank of Baroda PRIME Credit Card

  • First Year Fee – Nil; Annual Fee – Nil
  • Avail the card on fixed deposits of ₹15,000 or more (no income proof required)
  • For every ₹100 spent, get 4 reward points (cashback = ₹1 per reward point)
  • This BoB free credit card has zero first year fees and no annual fee
  • Interest free credit up to 50 days
  • Receive up to three, lifetime-free, add-on cards (for parents, spouse, children {18 years of age or older}, or siblings)
  • Avail 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 (maximum ₹250 per statement cycle) at all fuel stations in the country
  • Redeem earned reward points as cashback and other exciting options
  • Convert purchases above ₹2,500 into easy EMIs of 6 or 12 months

6. Bank of Baroda ICAI Exclusive Credit Card

  • First Year Fee – Nil; Annual Fee – Nil
  • Can be availed by members of the Institute of Chartered Accountants of India (ICAI)
  • For every ₹100 spent on food, online shopping and utility bills, earn 5 Reward Points (maximum 1,000 Reward Points per month).
  • For every ₹100 spent on any other category, earn 1 Reward Point.
  • Earn 1,000 bonus points every month for spending ₹1,000 or more on 5 transactions
  • Earn 1,000 Reward Points for spending over the credit card limit within the first 30 days of card issue (earn 4,000 Reward Points every quarter)
  • Get 12 complimentary domestic airport lounge access (max 3 per quarter) at partner lounges
  • Avail a fuel surcharge waiver of 1% on transactions between ₹400 and ₹5,000 (maximum ₹250 per statement cycle) across all fuel stations in the country.
  • Redeem earned reward points as cashback (1 reward point = ₹0.25)
  • Convert purchases above ₹2,500 into easy EMIs of 6 or 12 months

7. Bank of Baroda CMA One Credit Card

  • 1st year fee – ₹1; Annual Fee – Nil
  • Can be availed by the members of ICMAI (The Institute of Cost Accountants of India)
  • For every ₹100 spent on food, online shopping and utility bills, earn 5 Reward Points (maximum 1,000 Reward Points per month).
  • Earn 1,000 bonus points every month for ₹1,000 or more
  • Interest free credit up to 50 days
  • Get 12 complimentary domestic airport lounge access (max 3 per quarter) at partner lounges
  • Receive a free 6-month FITPASS PRO membership worth ₹15,000 as a welcome gift
  • Earn 1,000 Reward Points for spending over the credit card limit within the first 30 days of card issue (earn 4,000 Reward Points every quarter)
  • Avail 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 (maximum ₹250 per statement cycle) at all fuel stations in the country
  • Redeem earned reward points as cashback (1 reward point = ₹0.25)
  • Convert purchases above ₹2,500 into easy EMIs of 6 or 12 months
  • Avail up to three, lifetime-free, add-on cards (for parents, spouse, children {18 years of age or older} or siblings).
  • Get a free Professional Indemnity Insurance cover of ₹5 lakh plus accidental death cover of ₹15 lakh for air travel and ₹5 lakh for non-air class.

8. Bank of Baroda ICSI Diamond Credit Card

  • First Year Fee – Nil; Annual Fee – Nil
  • Can be availed by the members of ICSI (Institute of Company Secretaries of India)
  • For every ₹100 spent on food, online shopping and utility bills, earn 5 Reward Points (maximum 1,000 Reward Points per month).
  • For every ₹100 spent on any other category, earn 1 reward point
  • Get 1,000 reward points on card activation
  • Get 3,999 reward points every quarter
  • Get 12 complimentary domestic airport lounge access (max 3 per quarter) at partner lounges
  • Receive a free 6-month FITPASS PRO membership worth ₹15,000 as a welcome gift.
  • Get a free Professional Indemnity Insurance cover of ₹5 lakh along with accidental death cover of ₹15 lakh for air travel and ₹5 lakh for non-air class.
  • Avail up to three, lifetime-free, add-on cards (for parents, spouse, children {18 years of age or older} or siblings).
  • Avail 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 (maximum ₹250 per statement cycle) at all fuel stations in the country
  • Redeem earned reward points as cashback (1 reward point = ₹0.25)
  • Convert purchases above ₹2,500 into easy EMIs of 6 or 12 months

Bank of Baroda Credit Card Eligibility Criteria For Bank of Baroda Credit Card

  • If you are a primary cardholder, you must be above 21 years of age but less than 65 years of age
  • If you are an add-on cardholder, you must be above 18 years of age
  • You must be a salaried or self-employed individual
  • You must have a regular source of income
  • You must be a resident of India

[You should read this: Benefits of ICICI Platinum Credit Card: Eligibility, Fees and Charges ]

Documents Required For Bank of Baroda Credit Card

  • A copy of PAN card along with Aadhaar card, voter ID, passport, driving license, or any other photo ID card approved by the government.
  • A copy of your Aadhaar card, passport, voter ID card, driving license, latest utility bill, rent agreement, municipal tax receipt, property tax receipt, or an official document issued by a state or central government with updated address.
  • For Salaried Individuals: Credit of last 3 months salary and Bank details showing salary slip for last 3 months For Self-employed individuals: Latest record of Income Tax Return.

Applicants need to provide the following documents while applying for Bank of Baroda credit card-

description Required documents
identity proof Passport
voter id card
driving license
uid
pan card
Income ratio Form 16
income tax return
salary spill
Proof of Residence Passport PSU bank passbook
fixed line bill
electricity bill
uid

Bank of Baroda Credit Card Fees and Charges

Fee Type fee amount
Joining Fee/Annual Fee depends on the type of card
finance charges 3.49% per month, i.e. 41.88% per annum (may vary from card to card)
Cash Withdrawal Charges 2.5% of the amount or ₹500 (whichever is higher)
Credit Limit Exceeding Charges 2.5% of the excess amount or ₹500 (whichever is higher)
Credit card unblocking fee 300
check return fee 2% of the check amount or ₹450 (whichever is higher)
forex transaction Fee 3.50%

*Fees and charges may vary depending on the type of credit card. Check the charges associated with specific cards before applying.

late payment charges

statement balance late payment charges
Statement balance less than ₹100 Zero
Statement balance between ₹100 and ₹500 100
Statement balance between ₹501 and ₹1,000 400
Statement balance between ₹1,000 and ₹10,000 600
Statement balance between ₹10,001 and ₹25,000 800
Statement balance above ₹25,000 950

Bank of Baroda Credit Card Rewards Program

When it comes to enjoying the benefits of your credit card, you will be happy to know that the Bank of Baroda Credit Card Rewards program does not disappoint. You can earn attractive reward points on the card when you use it for shopping, dining, buying movie tickets, traveling, paying utility bills and more.

You can also earn instant rewards against expenses in specific categories and milestones. Once you accumulate enough points, you can also redeem them as cashback. Since rewards vary depending on the card you own, check the charges associated with specific cards before applying.

Bank of Baroda Credit Card Customer Care

If you have any queries or unresolved complaints regarding your Bank of Baroda Credit Card, you can contact toll-free BoB Credit Card Customer Care. Bank of Baroda credit card customer care numbers are 1800 258 4455 and 1800 102 4455. Depending on the type of your query, you can also contact customer care via email at [email protected] or [email protected] .

There is also a dedicated customer care number to block the card in case of theft or loss. You can dial either 1800 103 1006 or 1800 225 100. The service is available 24 x 7. Check out everything you need to know about Bank of Baroda credit card customer care.

[You should read this: Benefits of ICICI Makemytrip Signature Credit Card ]

How to apply for Bank of Baroda Credit Card? (How To Apply For Bank of Baroda Credit Card)

Once you have decided on the best Bank of Baroda credit card, it is time to apply for it. Please note that Bank of Baroda Credit Card is not available on Finserv Markets website. However, if you wish to apply for BOB credit card online, you can visit the Bank of Baroda website and fill the credit card application form. Alternatively, you can visit a Bank of Baroda branch and request a bank executive to assist you in the process of applying for BoB Financial credit card.

Read also – Paytm SBI Credit Card Benefits In Hindi

Frequently Asked Questions on Bank of Baroda Credit Card Benefits

FAQ on Bank of Baroda Credit Card Benefits in Hindi

How can I get a credit card from Bank of Baroda?

You can apply for Bank of Baroda (BOB) credit card online. If you wish to apply for a BoB credit card, you can do so online by visiting the bank’s website and filling in the application form. You can also submit BoB credit card application at the nearest bank branch.

What is the minimum credit score to apply for BoB Bank Credit Card?

A high credit score of 750 or above is sufficient to get your Bank of Baroda credit card application approved.

Can I apply for BOB credit card online?

Yes, you can apply for Bank of Baroda credit card online from the official website of the bank. The process is hassle free and quick.

Can I change my Bank of Baroda credit card type?

If you have a Bank of Baroda credit card and wish to upgrade it, you can do so if you match the eligibility criteria for the new card.

Which is the easiest Bank of Baroda card?

It is easiest to get a Bank of Baroda Prime Credit Card. You can apply for this for a fixed deposit of ₹15,000 or more.

What are the payment options available to Bank of Baroda credit card holders?

Bank of Baroda Credit Cardholders can make their payment through the following modes:
By Cash By
Bill Desk By
Cheque
BOB Credit Card By NetBanking
NEFT OR By RTGS
Auto Debit

What are the check return charges for Bank of Baroda Credit Card?

Check return fee Minimum Rs.300 or 2%, whichever is higher. For Bank of Baroda Signature Visa Credit Card, check return fee is a minimum of Rs.500 or 2.5%, whichever is higher.

Can Bank of Baroda credit card applicants check their application status online?

Yes, Bank of Baroda credit card applicants check their BOB credit card application status online on the bank’s website.

Will the bank block my card if I fail to pay my credit?

The bank will block your card only if you fail to pay the credit card bills of the previous two months.

How much does a bank charge for de-blocking a credit card?

The bank charges Rs 300 for de-blocking the credit card.

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