HomeCREDIT CARDBank Of Baroda Credit Cards Benefits, Features, Eligibility Criteria

Bank Of Baroda Credit Cards Benefits, Features, Eligibility Criteria

Bank Of Baroda Credit Card: In today’s digital era, the circulation of credit cards is increasing day by day. Different banks are offering credit cards with additional features to the customers. Bank of Baroda also offers a diverse range of credit cards keeping in mind the requirements of the individual consumers. Each credit card issued by Baroda Bank has its benefits. The cardholder is rewarded with certain privileges on various Bank Of Baroda Credit Cards, and every utility saving is promised.

The process of applying for a Bank Of Baroda Credit Card is quite simple. Any person can get a Bank of Baroda credit card by following a few steps. Through this post, information related to the type of Bank Of Baroda Credit Card, documents required for a credit card, the process of credit card application will be provided in detail. If you also want to apply for a Bank of Baroda credit card, read this post until the end.

Bank Of Baroda Credit Card List

Bank of Baroda Premier Credit Card₹1000 off on Bank of Baroda Premium Credit Card on annual spend of ₹1,20,000 or more.2000 Reward Points are awarded at the time of activation on the Bank of Baroda Premier Credit Card.
Bank of Baroda Select Credit Card ₹750 off on Bank of Baroda Select Credit Card spending of ₹70000 or more annually.1000 Reward Points are awarded at the time of activation on the Bank of Baroda Select Credit Card.  
Bank of Baroda Easy Credit Card₹500 off on Bank of Baroda Easy Credit Card spending of ₹35000 or more annually.On activating the Bank Of Baroda Credit Card, 500 reward points are provided by the Bank.
Bank of Baroda Prime Credit Card No discount is given on annual expenditure on the Bank Of Baroda Credit Card.For every ₹100 spent on Bank Of Baroda Credit Card, 4 reward points are awarded, equivalent to Rs 1 each.

What features do you want on your credit card?

Bank of Baroda offers different facilities on different credit cards. Before applying for the Bank Of Baroda Credit Card, the applicant should pay special attention to what facilities he wants to get from the credit card. You should choose a credit card keeping in mind your features. While applying for the Bank Of Baroda Credit Card, you will have the following options to select a credit card.

  • Credit card with regular habitual rewards list.
  • Credit cards provide a cashback facility on all types of purchases.
  • Credit card with no annual fee.
  • Credit card with low foreign exchange fee.

Also read: What is the Bank of Baroda Minimum Balance Limit?

Features and Benefits of Bank Of Baroda Credit Card

Bank of Baroda offers four types of credit cards with varying benefits and features for the applicants who wish to have a credit card. The detailed information about the benefits and features of the four credit cards offered by the Bank of Baroda is being provided one by one.

Bank of Baroda Premier Credit Card 

Bank of Baroda is offering the Premier Credit Card with various features to the consumers. Bank of Baroda Premier Credit Card has the following benefits and features.

  • Activation Benefit: On activating the Bank of Baroda Premier Credit Card, the cardholder offers 2000 Bonus Reward Points which the consumer can redeem at the time of purchase.
  • Airport Lounge Access: Bank of Baroda offers four complimentary airport lounge access facilities annually to customers applying for the Premier Credit Card.
  • Concierge Services – Provides 24×7 Concierge Services on Premium Credit Card by Bank of Baroda.
  • Reward Points: Bank of Baroda Premier Credit Card lets you earn two reward points for every ₹100 purchase made from any category. You can increase your reward points up to 10x faster if you use the card for online international spending, travel aggregators, and dining with a maximum of 2000 points.
  • Attractive Redemption Rewards – 4 Reward Points equivalent to Re 1 earned on Bank of Baroda Premier Credit Card. These reward points can be redeemed for exciting gift vouchers and other offices.
  • Petrol Diesel Benefits: On the Bank of Baroda Premier Credit Card, customers can avail 1% discount on transactions of ₹ 500 to ₹ 4000 at any petrol pump in India. But keep in mind that this discount can be up to a maximum of ₹ 250 for 1 month, i.e., in a statement circle.
  • Rebate on Annual Spending: If the Bank of Baroda Premier Credit Cardholder makes an annual expenditure of ₹ 1,20,000 or more on the credit card, then a refund of ₹ 1000 is provided by the Bank to him.
  • Waiver of joining fee: If the Premier cardholder makes a transaction of more than ₹ 60000 in 2 months, i.e., 60 days, then his activation fee is waived by the Bank. That is, the activation fee is refunded to the credit card balance.

Click on the link “Bank of Baroda Premier Credit Card” to get complete details related to Premier Credit Card.

Bank of Baroda Select Credit Card

The benefits and features offered on the Bank of Baroda Select Credit Card are as follows.

  • Reward Points: One Reward Point is awarded by Baroda Bank for spending ₹100 on all categories of Bank of Baroda Select Credit Card. If you transact in dining or online shopping, you get 5 reward points for every ₹100 transactions. But keep in mind that these reward points can be a maximum of 1000.
  • Bonus Points: If you do five different transactions of ₹ 1000 in 1 month through the Bank of Baroda Select Credit Card, you are awarded 1000 Bonus Reward Points by the Bank.
  • Discount on Petrol / Diesel – If you get Petrol or Diesel from ₹ 500 to ₹ 4000 delivered anywhere in India with the Bank of Baroda Select Credit Card, you will get a 1% discount. But keep in mind that this discount cannot exceed ₹ 250 per statement circle (month). 
  • Activation Fee Refund– If you make a transaction of ₹ 7500 within 60 days from the date of activation of the Bank of Baroda Select Credit Card, then the joining fee of ₹ 750 will be refunded by the Bank of Baroda.
  • Rebate on Annual Spending: If you make a transaction of ₹ 70000 or more in 1 year on the Bank of Baroda Select Credit Card, then the annual credit card fee for that year is waived by the Bank on the credit card.
  • Reward Points Redemption Option: Bank of Baroda offers opportunities to redeem Reward Points on Select Cards into Gift Vouchers or other options. An amount of Re 1 is redeemed by the Bank at four reward points.

Click on the link “Bank of Baroda Select Credit Card” to get complete information related to Select Credit Card.

Also read:- What is the Bank of Baroda Zero Balance Account Open Process?

Bank of Baroda Easy Credit Card

Following are the benefits and features of the card offered by Bank of Baroda to the credit card users on Easy Credit Card.

  • Activation Benefit– 500 Reward Points are awarded by Bank of Baroda to the cardholder as a gift at the time of activation on the Bank of Baroda Easy Credit Card.
  • Reward Points – 1 Reward Point is provided by the Bank on every ₹100 transaction on the Bank Of Baroda Credit Card. If you shop at Movies, Grocery, Departmental Stores, 5 reward points are awarded for every ₹100 transactions. But keep in mind that the maximum limit of Rewards Points can be 1000 Reward Points.
  • Cashback Offer: Bank of Baroda Easy Credit Card provides a 0.5% cashback facility to cardholders who fully pay outstanding bills in one go.
  • Discount on Diesel and Petrol: If you get Petrol or Diesel of ₹ 500 to ₹ 4000 delivered anywhere in India with the Bank of Baroda Easy Credit Card, you will get a 1% discount. But keep in mind that this discount cannot exceed ₹ 250 per statement circle (month).
  • Activation Fee Refund: If you make a transaction of ₹ 6000 within 60 days from the date of activation of the Bank of Baroda Easy Credit Card, the joining fee will be refunded by the Bank of Baroda.
  • Rebate on Annual Spending: If you make a transaction of ₹ 35000 or more in 1 year on the Bank of Baroda Easy Credit Card, then the annual credit card fee for that year is waived by the Bank on the credit card.
  • Reward Points Redemption Option: Bank of Baroda offers opportunities to redeem the Reward Points earned on the Easy Card into Host Gift Vouchers or other options. An amount of Re 1 is redeemed by the Bank at four reward points.

Click on the link “Bank of Baroda Easy Credit Card” to get complete details related to Select Credit Card.

Bank of Baroda Prime Credit Card

Following are the benefits and features of the card offered by Bank of Baroda to the credit card customers on Prime Credit Card.

  • Activation Benefit– 500 Reward Points are provided as a gift to the cardholder by Bank of Baroda at the time of activation on the Bank Of Baroda Credit Card.
  • Reward Points: On the Bank of Baroda Credit Card, 1 Reward Point is provided by the Bank for every ₹100 transactions. If you shop at Movies, Grocery, Departmental Stores, 5 reward points are awarded for every ₹100 transactions. But keep in mind that the maximum limit of Rewards Points can be 1000 Reward Points.
  • Cashback Offer – 1% cashback facility is provided on all types of transactions done with Bank Of Baroda Credit Card.
  • Discount on Diesel and Petrol: If you get Petrol or Diesel from ₹ 500 to ₹ 4000 anywhere in India with the Bank of Baroda Prime Credit Card, you will get a 1% discount. But keep in mind that this discount cannot exceed ₹ 250 per statement circle (month).
  • Activation Fee Refund: Bank of Baroda does not charge any session fee on Prime Credit Card.
  • A waiver on Annual Spending– Bank of Baroda does not charge any annual fee on the Prime Credit Card.
  • Secured Credit Card: Bank of Baroda Crime Credit Card comes under the category of a current secured card as the Bank issues this credit card on a fixed deposit of ₹15000 or more.
  • Without Income Certificate – Bank of Baroda does not ask for any proof of income and salary statement at the Prime Credit Card application. Since a secure credit card is given on a fixed deposit, anyone can apply without any income proof.

Click on the link “Bank of Baroda Prime Credit Card” to get complete information related to Prime Credit Card.

If you face any problem choosing the right credit card from the credit cards offered by various banks in India, you must read the article “Types of Credit Cards in India.” This article will help you do the right thing.

Also read:- What is the Bank of Baroda Timings?

Bank of Baroda Credit Card Rewards Program

Attractive and impressive reward points are offered on Bank Of Baroda Credit Card transactions on shopping, dining, and traveling. Following is a list of reward points offered on different types of credit cards issued by the Bank of Baroda.

Name of Bank Of Baroda Credit CardReward PointsAccelerated Rewards
Bank of Baroda Easy Credit Card For every ₹100 transactions, 1 reward point is awarded, and four equal one rupee.If you spend on film and department store purchases, 5 reward points are awarded for every ₹100 transactions, and four reward points are equal to Rs 1
Bank of Baroda Select Credit Card For every ₹100 transaction, 1 reward point is awarded, and four reward points are equal to one rupee.If you spend on food, utility bills, and online shopping, 5 reward points are awarded for every ₹100 transactions, and four reward points are equal to one rupee.
Bank of Baroda Premier Credit Card For every ₹100 transactions, 1 reward point is awarded, and four equal one rupee. If you spend on travel, catering, and foreign travel, 5 reward points are awarded for every ₹100 transactions, and four reward points are equal to one rupee.

Bank of Baroda Credit Card- Fees and Charges

Different credit cards offered by the Bank of Baroda are charged with additional fees and charges based on their features listed below.

Type of Fees / ChargesAmount
Joining Fee / Annual FeeThe joining and annual credit card fees vary based on the features and features of each credit card.
Cash Withdrawal Fee 2.5% of the cash withdrawal amount or ₹500, whichever is higher. That is, at least ₹ 500 must be paid on cash withdrawal.
Financial Charges @ 41.88% per annum, i.e., at the rate of 3.49% per month
Cheque Return Fee 2% of the returnable check amount or ₹450, whichever is higher. offoreign currency transaction fees3.50% of the foreign currency transaction amount will be charged as a fee. of
Credit Card Unblocking FeeIf you want to unblock your blog Bank Of Baroda Credit Card, then ₹300 will be charged as Rs.300
Fee For Non-Payment On TimeIf the outstanding bill statement is less than ₹100, no additional charges will be levied.If the Outstanding Bill Statement is between ₹100 to ₹500, then ₹100 will be charged additionally.If the outstanding bill statement is between ₹501 to ₹1,000, then ₹400 will be charged additionally.If the outstanding bill statement is between ₹ 1,001 to ₹ 10,000, then ₹ 600 will be charged additionally. If the outstanding bill statement is between ₹ 10,001 to ₹ 25,000, then ₹ 800 will be charged additionally.If the outstanding bill statement exceeds ₹25,000, ₹950 will be charged as an additional charge.
Credit Limit Increase Fee2.5% of the amount over and above the sanctioned credit limit or ₹500, whichever is higher.

Also Read:- What are the benefits of bank of baroda debit card?

Eligibility Criteria for Bank Of Baroda Credit Card

If you want to apply for any of the credit cards issued by the Bank of Baroda, you must have the following qualifications.

  • The person applying for the credit card must be 18 years of age or above.
  • The applicant must be a salaried person or self-employed.
  • The applicant must have a regular source of income.
  • The applicant must be an Indian or a non-resident of India (NRI).
  • The individual income of the applicant should be ₹ 300000 per annum or more.
  • If the applicant is a firm/company, the annual income must be Rs.2500000 or more.

Documents Required for Bank Of Baroda Credit Card

If you want to apply for a Bank Of Baroda Credit Card, you must have ID proof, residence proof, and proof of income while applying for the credit card.

The Bank of Baroda accepts the following documents when credit card application under Identity Proof, Residence Proof, Proof of Income.

As an Identity Card

  • PAN Card
  • Aadhar Card
  • Voter’s ID Card
  • Indian Passport
  • Driving License
  • Any other government-approved photo ID recognized by the Government of India

As a Residence Certificate

  • Aadhar Card
  • Indian Passport
  • Electricity or water bills older than 3 months
  • Any ID proof recognized by the Government of India.

As Income Certificate

  • Last 3 months bank account statement if you are self-employed
  • If you are a salaried person, then the salary slip of the last 3 months.
  • Financial Audit Report for the last 2 years for Self Employed.
  • form16 for government employee

How to apply for a Bank of Baroda Credit Card? 

If you want to apply for a Baroda Bank Credit Card online, you can apply for Bank Of Baroda Credit Card online through the official website of Bank of Baroda. Follow the steps given below to apply for Bank Of Baroda Credit Card Online.

  • First of all, visit the official website of the Bank of Baroda. The home page of the official website will open.
  • With the help of navigation on the official website, go to the card section. In the Cards section, go to the Credit Cards section.
  • From here, select the type of credit card and click on the ‘Apply Now button.
  • On clicking the ‘Apply Now button, the application form related to the credit card will open. Fill in all the information asked in the application form correctly and submit it.
  • After submitting the application form, you will be contacted by a Bank Representative on behalf of the Bank of Baroda.
  • The Bank of Baroda representative will seek other information and documents related to the credit card for further processing.
  • As soon as the Bank accepts your documents and application form for a credit card, you will get the information on your registered mobile number.
  • Once the credit card is approved, the credit card will be sent to your address within a few working days.
  • The credit card received from the Bank can be used by activating the credit card by generating a green pin online.

Also Read: What is the BOB Missed Call Service Number?

How to Apply Bank of Baroda Credit Card Offline?

You can also apply offline for a Bank Of Baroda Credit Card from us. Follow the steps given below to apply through offline mode.

  • First of all, visit your nearest Bank of Baroda branch.
  • Meet with the branch manager or bank representative. Bank of Baroda Representative will provide you with the application form to fill the credit card-related application form.
  • If you cannot fill the credit card application form, the bank representative will supply the credit card application form after receiving information from you.
  • After filling the application form, attach the required documents for the credit card along with the application form.
  • Submit the application form and the documents to the bank manager or bank officer and take the receipt for submission of the application.
  • Bank of Baroda will consider the application for a credit card, and as soon as your credit card application is approved, the same will be received on your mobile number.
  • The Bank will send the credit card by registered post to the address given in the application form.
  • Activate your credit card by generating the credit card’s PIN online or offline within the given period.
  • To get complete information about activating an ATM Card, Debit Card, or Credit Card PIN, you can check “Debit Reason / How to Generate Credit Card PIN?” article. This article explains all the methods to generate debit or credit card PINs.
  • To apply for a Bank Of Baroda Credit Card, you can contact the Bank of Baroda Credit Card Customer Care Number. A representative will be sent to your address by the Bank, who will come to your home to get the credit card application filled, get the required documents, and send it to the Bank for further processing. Once the Bank accepts your application, the credit card will be sent to your registered address.

Bank of Baroda Credit Card Customer Care

All the aspects related to the Bank Of Baroda Credit Card have been discussed in detail through this post. Suppose any person needs additional information related to Bank Of Baroda Credit Card even after reading which article. In that case, he can contact the BOB Card customer care number or get the solution of his query through email id or SMS. Bank of Baroda’s customer care numbers are as follows.

Bank Of Baroda Customer Care Toll-Free Number

1800 223 224 (Customer Care Executive is not available on public holidays and 2nd and 4th Saturdays of every month.)

BOB Card customer care Email ID:

ccb@bobcards.com

BOB Card customer care mailing address:

Bob Cards Limited

2nd Floor, Baroda House,

Behind Dewan Shopping Center,

S. V. Road, Jogeshwari West, Mumbai – 400102

Contact – 91 22 42068502

For detailed information about Bank of Baroda Credit Card Customer Care Number, read “Bank of Baroda Credit Card Customer Care Number.” All types of customer care numbers related to Bank Of Baroda Credit Card have been provided in this post.

Bank of Baroda Credit Card Bill Payment

Bank of Baroda has provided several options to its credit cardholders to make outstanding credit card bill payments which are as follows.

Cash:

  1. If you want to deposit your credit card outstanding bill in cash, visit the nearest Bank of Baroda branch and enter your 16 digit credit card number and exceptional amount in the deposit slip.
  2. Pay your credit card bill quickly by simply handing over the deposit slip with cash at the cash counter.
  3. Take the acknowledgment slip after paying the credit card bill for future reference.

Cheque: Bank of Baroda’s credit cardholder can pay the outstanding bill of his credit card through cheque. Remember to enter your 16 digit credit card number on the backside of the cheque. Before depositing the cheque, you must enter the following things on the backside of the cheque.

  • Bank of Baroda account numbers like 03910200000008
  • 16 digit credit card number
  • Cardholder’s name mentioned on the credit card
  • Contact Number

Put the check in the check box or deposit it at the cash counter.

NEFT: You can pay your Bank Of Baroda Credit Card Outstanding Bill through NEFT. The credit card payment will be made in favor of Bank of Baroda, IFSC- BARB0COLABA, Colaba branch.

Billdesk: You can also quickly pay your Bank Of Baroda Credit Card outstanding bills through the Billdesk facility. The Bank allots pickup online ID to each cardholder which can be used to make the payment.

Online Payment: If you have a savings or current account with Bank of Baroda, then you can pay your credit card bill directly from your account through the internet and Insta Pay service.

Auto Debit: If you have a savings or current account with Bank of Baroda, you can activate the auto-debit setting in your account and pay the credit card bill directly through auto-debit mode.

Also read:- What are the features of Bank of Baroda mPassbook?

How to Check Bank of Baroda Credit Card Status?

Bank of Baroda has provided an online facility to its credit cardholders to check the application status through the official website of Bank of Baroda. If you want to check your Baroda Bank Credit Card Application Case Status, follow the steps below.

Step 1. First of all, go to the official website of the Bank of Baroda. The home page of the official website will open.

Step 2. Card option will appear on the home page. The credit card option will appear under the card option.

Step 3. From here, select the credit card category. In the credit card section, you will see the option of ‘Track your application.’

Step 4. Click on the link ‘Track your Application’ and enter your credit card application number in the provided field.

Step 5. After entering the application reference number, submit it. The Bank of Baroda Credit Card Application Status will be displayed on the screen in which the following result can appear.

  • In Process – This means that your credit card application is under consideration by the Bank. That is, the Bank is considering the credit card application made by you.
  • On Hold – This means that your credit card application has been put on hold by the Bank due to a lack of certain information. In such a situation, contact the bank official and provide the relevant information.
  • Dispatched: This means that the Bank has accepted your credit card application, and the credit card has been sent to your address through a registered post. Your credit card will reach the registered address within 7 to 10 days after the Bank dispatches the credit card.
  • Rejected: It means that the Bank of Baroda has rejected your credit card application. Your low credit score or not meeting other eligibility criteria could be why the denial of a credit card application. Contact the concerned bank official and find out the reason related to the credit card rejection.

Bank of Baroda Credit Card-related FAQs.

Q- 1. What are the Criteria for the Bank of Baroda Credit Card Application?

Ans- Bank Of Baroda Credit Card applicants should fulfill the following qualifications.
Individual applicants’ annual income should be ₹ 300000 or more.
If the applicant is a firm/company, the annual income must be Rs.2500000 or more.
Applicants should be salaried or self-employed.
Individuals applying must be a citizen of India and must be of 18 years of age or above.

Q 2. If a person’s Bank of Baroda credit card is lost, how to block it?

Ans: If your Bank Of Baroda Credit Card is lost or stolen, then you must first block your credit card by contacting Bank of Baroda Customer Care Number 1800-225-100 from your registered mobile number. The credit card will be blocked on your request by the customer care representative, and a new credit card will be generated for you, which will be delivered to you at the registered address within 7 to 10 working days.

Q 3. Is add-on facility on a credit card offered by Bank of Baroda?

Ans- Yes, the Addon facility is provided by Bank of Baroda on the credit card and the same credit card facilities and credit limit with the primary cardholder.

Q 4. How to check Bank of Baroda Credit Card Application Status?

Ans:
Visit the official website of Bank of Baroda to check Bank Of Baroda Credit Card Status.
Go to the ‘Track Application’ section using the Credit Card option on the home page.
Enter the given prescribed movies’ credit card application reference number and bank name.
Once submitted, the status of your Bank Of Baroda Credit Card application will be displayed on the screen.

Must Read Also:- How To Recharge Bank Of Baroda FASTag?

Guru
Guruhttps://paisaproblem.com/
I am student and part time blogger. I am interest to share my views on financial issues.
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