Bank of Baroda Credit Card Apply 2024 – BOB Credit Card Review, Details & Benefits

Bank of Baroda Credit Card Apply 2024 – BOB Credit Card Review, Details & Benefits: Hi friends, today in this article we will provide you information about Bank of Baroda credit card. If you need a credit card and do not know which credit card you should take, then you can connect with the credit card of Bank of Baroda. Before applying for a credit card, you need to know what is a credit card?

The benefits of Bank of Baroda credit card are many. You can do shopping, travel, booking tickets etc. with the help of credit card and you can also take advantage of many offers on this. In this article, we will know in detail what is Bank of Baroda credit card, eligibility for this credit card, what are the documents and how can we apply for this card etc., so read this article till the end. 

Bank of Baroda Credit Card Review

A credit card is a financial instrument that allows you to make transactions without making immediate payments. In a credit card, you are given a limit which is called Credit Card Limit. You cannot do transactions above this limit. You have to pay the money at the end of the month as you do the transaction now. This limit given in the credit card is decided to the customer on the basis of his CIBIL score, income, credit history etc.

You can apply for BOB Credit Card both online and offline. The bank offers various types of credit cards according to the needs of the customers. You can apply for the credit card you want to take. The eligibility, documents etc. for each credit card can be different. The bank gives various types of offers to the customers on their credit cards. Once you apply online, you can check your Bank of Baroda credit card status online.

BOB Credit Card Details:

• Card Name: Bank of Baroda Credit Card 2023
• Bank: Bank of Baroda
• Fee: Different for different cards
• Beneficiary: Any person can apply
• Application Mode: Online / Offline
• Official Website: https://www.bobfinancial.com/

Bank Of Baroda Credit Card Types

• Bank of Baroda Easy Credit Card
• Bank of Baroda Select Credit Card
• Bank of Baroda Premier Credit Card
• Bank of Baroda Prime Credit Card
• Bank of Baroda Swavlamban Credit Card
• Bank of Baroda Unnati Credit Card

Bank of Baroda Easy Credit Card:

Here are the features of this credit card:

Features & Benefits:

• 100 each spent on travel, food and abroad. But get the benefit of 5X i.e. 10 reward points (international spend).
• Avail 2 reward points for every Rs.100 spent on other categories.
• 1 Visit the Complimentary Airport Lounge lounge every calendar quarter.
• Fuel surcharge waiver.
• Zero annual fee basis card usage.
• Make secure payments with a contactless card.

Bank of Baroda Select Credit Card:

Features & Benefits:

• Avail 5X ie 5 Reward Points for every Rs.100 spent on Dining, Utility bills, Online expenses.
• Avail 1 reward point for every Rs.100 spent on other categories.
• There is a waiver on fuel surcharge.
• Zero annual fee basis card usage.
• Make secure payments with a contactless card.

Bank of Baroda Premier Credit Card:

Features & Benefits:

• 100 for every Rs.100 spent on grocery, departmental store, movie expenses. But get the benefit of 5X i.e. 5 reward points.
• 100 each spent on other categories. Get the benefit of 1 reward point for Rs.
• Avail the benefit of rebate on fuel surcharge.
• Zero annual fee basis card usage.
• Make secure payments with a contactless card.

Bank of Baroda Prime Credit Card:

Features & Benefits:

• 100 for every Rs. Get the benefit of 4 Reward Points for Rs.
• Use up to 105% of your credit limit.
• Zero annual fee basis card usage.
• Make secure payments with a contactless card.

Bank of Baroda Swavalamban Credit Card:

This card is specially started for the farmers in the bank. You can see the benefits and features of this Bank of Baroda Credit Card here:

Features & Benefits:

• This is the first of its kind co-branded credit card for farmers.
• Rs.100 each Avail 1 reward point on spend.
• Excellent repayment support with only 1.5% interest rate per month.

Bank Of Baroda Unnati Credit Card:

Features & Benefits:

• Guaranteed issuance on FDs of Rs 15,000 or more without any income proof.
• Avail 1% cashback on all expenses.
• Enjoy zero fuel surcharge.
• Zero first year and annual fee.

Other Benefits of Bank of Baroda Credit Card

There are different benefits for different cards, about which we have given you information in detail above. Some other benefits that you can see here:

• Get 3 lifetime free add-on cards for your spouse, parents, siblings or children (above 18 years).
• Avail free personal accident death cover to ensure financial security of your family.
• If you lose your card, report it immediately and get the benefit of zero liability.
• BOB Credit Card Limit is up to 50 days. Get the benefit of interest free credit in these 50 days.
• Pay the minimum amount due and finance your expenses as per your convenience.
• You can get Bank of Baroda credit card statement by visiting the bank’s official website or visiting your nearest bank branch.
• You can pay your card bill (BOB Card Payment) both online and offline.

Read also: HDFC Credit Card

Eligibility for Bank of Baroda Credit Card 

The bank offers various types of credit cards to the customers. The eligibility to apply for these credit cards can be different. For more information about eligibility, you can also contact your nearest bank branch. Some of the general eligibility are as follows:

• The minimum age of the applicant should be 18 years.
• Maximum age should be 65 years.
• Any self-employed or salaried person can apply.
• You should have a good employment which is earning you a good income.
• The annual income of the applicant should be as follows:
  • For Easy Card: Rs.3 lakh.
  • For Select Card: Rs.480,000.
  • For Premier Card: Rs.720,000.
• Other Eligibility: Existing banking relationship with Bank of Baroda.

Required Documents for BOB Credit Card 

Before applying for a credit card, you should keep all your necessary documents together so that whenever the bank asks for documents from you, you can show them all the documents immediately. For more information about the document, you can also contact your nearest bank branch. Following are the documents to apply:

• Applicant’s photo
• proof of address
• proof of identification
• For Company/Firm A/c: Audited Balance Sheet, Profit and Loss Account for the last three years, Board Resolution.
• For Personal Account: Latest Form 16 or ITR copy.

Read also: Best Credit Card for Salaried Person

Bank of Baroda Credit Card Fees & Charges

Bank of Baroda credit card charges vary depending on the card. A service charge is levied on the card. Service charge is the interest charged on the outstanding balance of the credit card bill. This service charge is as follows:

• Easy / Select / Premier / Prime : 3.25% per month (39% APR)
• Corporate Card: 2.60% per month (31.20% APR)

How to apply Bank of Baroda Credit Card?

If you fulfill all the conditions of this card then you can apply for it both online and offline. To apply, follow the steps given below:

Bank of Baroda Credit Card Apply Online

• To apply online, you have to first visit the official website of BOB Financial at bobfinancial.com.
• On the home page of the website, you will see the option of credit card, click on it.

• After clicking, on the next page you will see all the credit cards.
• Click on the credit card you wish to apply for.
• To apply now, click on the option of Apply Now.
• Credit card form will open in front of you.
• You have to enter the requested information in it and submit the form.
• After submitting the form, the bank staff will contact you and issue the further process.

How to apply offline?

• To apply offline, you have to first go to your nearest bank branch.
• Go to the bank branch and contact the bank employee who will provide you complete information about the credit card.
• Then your documents will be verified.
• You will be given a form that you have to fill.
• Submit your documents in the bank.
• If your application is approved, you will be issued a credit card.

Read also: Best Credit Card For Students

How to check BOB Credit Card Status?

You can check your credit card status both online and offline. To check offline, you have to visit your nearest bank branch. Follow the steps given below to check online:

• First of all you have to visit the official website of BOB Financial.
• On the home page of the website, you will see the option of Track Application Status, click on it.
• A box will open in front of you.
• Enter your Application Number / PAN Card / Mobile No in it and click on Get Details option.
• The status of your application will appear in front of you.

Bank of Baroda Credit Card Customer Care Number

If you have any other type of information regarding this credit card or if you are facing any problem in applying, then you can get information by calling Bank of Baroda credit card customer care number.

Toll-free Number : 1800-103-1006/ 1800-225-100

My Last Word:

In this article, we have provided you complete information about Bank of Baroda Credit Card. If you need a credit card then you can think about Bank of Baroda credit card. Hope friends, you have found this article informative. If you liked the information given in this article, then please share it as much as possible.

FAQ’s on Bank of Baroda Credit Card: