How to get Bank of Baroda Credit Card (BOBCARDS)

Bank of Baroda, established in 1908 and headquartered in Vadodara, Gujarat, it has over 5000 brances all over India. Bank of Baroda Credit Card named as BOBCARDS is available through it’s subsidiary BOBCARDS Ltd., which gives you access to an upscale lifestyle and impeccable taste. With a BOBCARD in hand, you can have the best possible travel, dining, and shopping experiences. BOBCARD offers you a higher credit limit, up to 50 days of interest-free credit, and wonderful reward point saving opportunities. BOBCARDS are globally accepted at millions of merchant outlets and ATMs, featuring contactless payment. They offer benefits like reward points, cashback, EMI conversion options, and exclusive deals on brands like Amazon, Flipkart, and MakeMyTrip. Some cards are lifetime-free, while others have annual fees that can be waived by meeting minimum spending requirements.

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Popular Bank of Baroda Credit Cards

Here are some of the standout credit cards offered by BoB:

BoB Eterna Credit Card
- Key Features:
  - 15 reward points per ₹100 spent on travel, dining, online shopping, and international transactions.
  - 3 reward points per ₹100 on other spends.
  - Unlimited complimentary domestic lounge access (with ₹40,000 spent in the previous quarter).
  - 10,000 bonus reward points on spending ₹50,000 within 60 days of card activation.
  - Complimentary 6-month FITPASS Pro Membership (worth ₹15,000).
  - Buy-one-get-one-free movie ticket offer on Paytm Movies (up to ₹250 discount).
  - 1% fuel surcharge waiver (₹400–₹5,000 transactions, max ₹250/month).
- Best For: Frequent travelers and lifestyle enthusiasts seeking premium benefits.
BoB Premier Credit Card
- Key Features:
  - 5X reward points on travel, dining, and international spending (per ₹100).
  - 1 complimentary domestic lounge visit per calendar quarter.
  - 1,000 reward points on transactions within 30 days of activation.
  - 2 reward points on other spends (per ₹100).
  - 2% reduced forex markup for international transactions.
- Best For: Frequent travelers and those who shop internationally.
BoB Tiara Credit Card
- Key Features:
  - 5 reward points per ₹100 spent on dining, online shopping, and utility bills.
  - 12 complimentary domestic airport lounge visits annually.
  - Complimentary 6-month FITPASS Pro Membership.
  - 2% reduced forex markup.
- Best For: Shoppers and diners looking for rewards on everyday spending.
BoB Vikram Credit Card
- Key Features:
  - Lifetime-free card designed for defense personnel and veterans.
  - Complimentary 3-month Disney+ Hotstar subscription on activation.
  - 5 reward points per ₹100 on grocery, movies, and departmental stores.
  - 1 reward point per ₹100 on other spends.
  - Low international markup fees.
- Best For: Defense personnel seeking a cost-effective card with entertainment benefits.
BoB Prime Credit Card
- Key Features:
  - Secured card issued against a fixed deposit of ₹15,000 or more, no income proof required.
  - No joining or annual fees.
  - 1% fuel surcharge waiver (₹400–₹5,000 transactions, max ₹250/month).
  - 8 complimentary domestic lounge visits annually (2 per quarter).
- Best For: Individuals without stable income or those seeking a secured card.
BoB HPCL Credit Card
- Key Features:
  - 1.5% cashback as payback points on fuel purchases via HP Pay App.
  - 10 reward points per ₹100 on utility, grocery, and departmental store spends.
  - 2 reward points per ₹100 on other spends.
  - 4 complimentary domestic lounge visits annually.
  - 1% fuel surcharge waiver (up to ₹250/month).
- Best For: Fuel and grocery shoppers.

Key Features and Benefits

Interest-Free Period: Up to 50 days of interest-free credit if the outstanding balance is paid in full by the due date.
Reward Points: Earn points on every transaction, redeemable for cashback (1 point = ₹0.25), shopping, travel, or other rewards.
EMI Conversion: Convert purchases above ₹2,500 into EMIs for 6 to 36 months.
Contactless Payments: Tap-and-pay for quick, secure transactions.
Global Acceptance: Use at millions of Visa, MasterCard, or RuPay merchants and ATMs worldwide.
Fuel Surcharge Waiver: 1% waiver on fuel transactions (₹400–₹5,000, max ₹250/month).
Lounge Access: Select cards offer complimentary domestic and international lounge visits.
Insurance Benefits: Some cards include air accident cover (up to ₹15 lakh), non-air accident cover, and professional indemnity insurance.
UPI Integration: Link BoB credit cards to UPI for easy payments (P2P transactions not permitted).

Eligibility and Application Process

Eligibility Criteria

Age: 18–65 years (varies by card).
Income: Minimum annual income of ₹3 lakh for most cards; no income proof required for secured cards like BoB Prime.
Credit Score: A good credit score and history are required for unsecured cards.
Relationship with BoB: Some cards (e.g., BoB Corporate) require a banking relationship like a current account, fixed deposit, or overdraft facility.

Documents Required

Identity Proof: PAN card, Aadhaar, Voter ID, or passport.
Address Proof: Passport, Driving License, Voter ID, or utility bill.
Income Proof: Salary slips, bank statements, or ITR (not required for secured cards).
Photograph: Recent passport-size photo.

Application Process

Online Application:
- Visit www.bobfinancial.com or www.bobcard.co.in.
- Select the desired credit card and click “Apply Now.”
- Enter personal, financial, and employment details.
- Verify your mobile number with an OTP.
- Submit KYC documents for verification.
- Track application status using the application number, PAN, or mobile number at bobcard.co.in/get-in-touch/track-application.
Offline Application: Visit a nearby BoB branch, fill out the application form, and submit required documents.
Activation: After approval, activate the card via:
- BoB ATM (select PIN generation/activation).
- Net banking or the BoB mobile app (bob World).
- Customer care (1800-103-1006 or 1800-225-100).

Fees and Charges

Joining/Annual Fees: Vary by card; some (e.g., BoB Vikram, BoB Prime) are lifetime-free. Annual fees may be waived with minimum spending.
Interest Rate: Applicable if the full outstanding balance is not paid by the due date (varies by card).
Cash Advance Fee: 2.5% of the withdrawn amount or ₹500 (whichever is higher).
Late Payment Fee: Based on the outstanding amount (e.g., ₹100–₹1,000 depending on the balance).
Foreign Currency Markup: 2–3.5% (waived for some cards like BoB Unnati).
Rent Payment Fee: 1% of the transaction amount + GST.
GST: 18% applicable on all fees and charges.

Frequently Asked Questions (FAQs)

How can I apply for a Bank of Baroda credit card?
You can apply online at www.bobfinancial.com or www.bobcard.co.in by filling out the application form and submitting KYC documents. Alternatively, visit a BoB branch.
What is the interest-free period on BoB credit cards?
BoB credit cards offer up to 50 days of interest-free credit if the full outstanding balance is paid by the due date. The period depends on the transaction date relative to the statement generation date.
Can I use my BoB credit card for international transactions?
Yes, but you must enable international transactions via the BoB mobile app, net banking, or customer care. A foreign currency markup fee (2–3.5%) may apply, except for cards like BoB Unnati.
How do I block my BoB credit card if it’s lost or stolen?
- Call 1800-103-1006 or 1800-225-100 and select the option to block the card.
- Send an SMS: BLOCK XXXX (last 4 digits of the card) to 9223172141.
- Log in to the BoB mobile app or customer portal and select “Card Block.”
- File an FIR for theft and inform the bank.
Can I withdraw cash using my BoB credit card?
Yes, within the cash advance limit (20–40% of the credit limit). A 2.5% fee (minimum ₹500) applies, and no interest-free period is provided for cash withdrawals.
How can I pay my BoB credit card bill?
- Online: Use InstaPay, net banking, UPI, NEFT, or Bill Desk.
- Auto-Debit: Set up standing instructions for automatic payments.
- Cash/Cheque: Pay at a BoB branch or drop a cheque at a BoB ATM dropbox (include card number). A processing fee may apply for cash payments.
How do I check my credit card application status?
Visit bobcard.co.in/get-in-touch/track-application and enter your application number, PAN, or mobile number. You can also call 1800-103-1006 or email crm@bobcard.co.in with your application ID.
Are there lifetime-free BoB credit cards?
Yes, cards like BoB Vikram, BoB Exclusive (for ICAI members), ICSI Diamond, and CMA One are lifetime-free. Check with the bank for offers on other cards if you hold a savings or salary account.
Can I link my BoB credit card to UPI?
Yes, BoB credit cards can be linked to UPI for payments, but P2P (peer-to-peer) transactions are not permitted.
What should I do if my credit card is damaged?
Contact customer care (1800-103-1006), apply via net banking/mobile app, or visit a BoB branch to request a replacement card. A fee of ₹200 + tax may apply.

For more information visit : https://www.bankofbaroda.in/personal-banking/digital-products/cards/credit-cards

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