BoB Credit Card -Know Benefits & Features

By | October 4, 2020
BoB Credit Card

BoB Credit Card is a product of BoB Financial Solution Ltd. It was incorporated in 1995. This is a wholly-owned subsidiary of Bank of Baroda, one of the top banks of India. The Company’s primary business is credit cards and merchant acquiring.

Bank of Baroda offers customized credit to its customers. There are currently 8 credit cards issued by the bank. You can get a Basic credit card to Premium credit as per your needs/eligibility. Here are all details about the Bank of Baroda’s credit card.

List of BoB Credit Card

Bank of Baroda issued the credit card to the basic and premium customers. Recently, BoB financial has issued credit for CMA/CA profession. There is special credit for affluent customers known as Bank of Baroda ETERNA Credit and SWAVLAMBAN credit for the basic customers. We will discuss the Charges, benefits, and features of all card issued Bank of Baroda.

Bank of Baroda Easy Credit card

Bank of Baroda Easy Credit Card
Bank of Baroda Easy Credit Card

Key Highlight and features

Key Highlights

  • 5X rewards on Dining
  • Fuel Surcharge waiver
  • Annual Fees: Rs. 500
  • No Cost EMI

Best Suited for

  • Fuel
  • Rewards
  • Dining
  • Utility Bill

Features of Bank of Baroda Easy Credit Card

  • 5 reward points for every  100 spent on Grocery, Departmental stores, and Movies( Rewards rate 1.25%)
  • 0.5% of the card bill payment as cashback in your next statement
  • Multiple redemption options- cardholders can redeem points as statement cash or other option in the catalog.
  • You can convert purchase above INR 2500/- into monthly EMI for 6 or 12 months.

Baroda Easy Credit Card credit offer rewards points on utility bill payment also. Also, waive off Annual fees after spending INR 35,000 in the previous year. Check more details review. about this credit.

Bank of Baroda Prime Credit

Bank of Baroda Prime Credit
Bank of Baroda Prime Credit

Key Highlight and features

Key Highlights

  • Secured Card
  • No Joining and Annual fees
  • Three Add On Card Free
  • Issued against FD of Rs. 15K
  • 1% Cashback on all Spends
  • Fuel Surcharge waiver

Best Suited for

  • No credit history
  • Want to Improve Credit Score
  • Low Spenders
  • Do want fees on card
  • Like an Easy EMI option.

Features of Bank of Baroda Prime Credit Card

  • 1% Cashback on all Spends
  • Earn 4 reward points (equal to INR 1 on redemption) for every  INR 100 spent
  • Zero Fuel Surcharge- 1% fuel surcharge waived for all fuel transactions between  INR 400 –  INR 5,000 (Max. waiver of Rs. 250 per month).
  • Easy EMI Option- Convert purchase of >  INR 2,500/- on your card into easy EMIs of 6/12 months
  • Zero liability on the lost card if the report of loss of credit card is immediately reported or happening of any fraudulent transactions.
  • 50 days of interest-free credit period like any other credit card
  • Pay only 5% Minimum Amount Due and finance your spends at per your convenience

Bank of Baroda prime credit card is secured credit. You can apply for this credit card without any income proof or no credit history. Read details review about Bank of Baroda Prime Credit Card

BoB EXCLUSIVE Credit Card for ICAI Member

BoB EXCLUSIVE Credit Card for ICAI Member
BoB EXCLUSIVE Credit Card for ICAI Member

Key Highlight and features

Key Highlights

  • No Joining and Annual fees
  • Three Add On Card Free
  • Fuel Surcharge waiver
  • Regular, Accelerated & bonus Rewards
  • Foreign Currency Mark Up is only 2%
  • 3 Complimentary Domestic airport Lounge access benefits Per Quarter

Best Suited for

  • Only CA are Eligible
  • Want low Forex Mark up Fees
  • Want to write CA on Credit Card
  • Want special Professional Indemnity Insurance Cover

Features of BoB EXCLUSIVE Credit Card for ICAI Member

  • Professional Indemnity Insurance Cover of Rs. 5 Lakh
  • Air accident death cover of Rs.15 Lakhs
  • Non-air accident death cover of Rs. 5 Lakhs
  • Get 4,000 reward points every quarter, on spending more than your card’s credit limit.
  • 1 rewards points for every Rs. 100 spent (1%)
  • 5 Rewards points for every Rs. 100 spent on dining, online, and utility bills.
  • 1000 Bonus rewards points on 5 transaction Rs. 1000 or more each month.

BoB EXCLUSIVE Credit Card for ICAI Member is made exclusively for chartered accountants. You should be members of ICAI for getting this credit card. You can read details review about this credit card here.

Bank of Baroda ETERNA Credit Card

Key Highlight and features

Key Highlights

  • Unlimited airport lounge access at the domestic airports.
  • Reduced Forex Mark Fees up to 2%
  • Annual Fees Rs. 2499+GST
  • Fees are waived of Annual spending of 2.5 lakh
  • Default rewards rate 0.75%
  • The default rewards rate of 2.83% with accelerated spends

Best Suited for

  • High spenders
  • Want unlimited lounge access
  • Want Premium customer support from BoB.
  • Want High rewards rate on Dining, Movie, and Shopping

Features of Bank of Baroda ETERNA Credit Card

  • 3 Reward Point per Rs.100 spends (0.75% Value)
  • 1 Reward Point Value: Rs.0.25
  • Spends Rs. 50,000: 10000 Bonus Rewards Points ( 5%)
  • Spends Rs. 5,00,000 : 20000 Bonus Rewards Points ( 1%)
  • 15 rewards points on every Rs. 100 spent on travel and international spending. ( 3.75%)
  • Unlimited airport lounge access at the domestic airports.
  • Reduced Forex Mark Fees up to 2%
  • 15 rewards points on every Rs. 100 spent on dining ( 3.75%)
  • Relish 250+ Culinary deals at Mastercard priceless specials (3.75%
  • 15 rewards points on every Rs. 100 spent on online shopping (3.75%)
  • Buy One Get One movie tickets at Paytm Movies.

Bank of Baroda ETERNA Credit Card is premium credit issued by the bank of Baroda. The default rewards rate is 0.75% below entry-level credit cards like CitiBank Paytm First Credit Card and Amazon Pay ICICI Bank Credit card.

Read the details review about Bank of Baroda ETERNA Credit Card  here.

Bank of Baroda Premier Credit Card

Bank of Baroda Premier Credit Card
Bank of Baroda Premier Credit Card

Key Highlight and features

Key Highlights

  • 5X rewards on travel and dining
  • Annual/ Renewal Rs. 1000
  • Annual Fees Waived on Annual spends more than Rs. 1,20,000
  • 3 Free lifetime Add on Card
  • Fuel Surcharge Waiver
  • Free Airport Lounge Access.
  • 24×7 concierge

Best Suited for

  • Travel
  • Dining
  • Fuel

Features of Bank of Baroda Premier Credit Card

  • 2,000 bonus reward points on card activation.
  • 4 complimentary airport lounge access per year.
  • 24×7 Concierge Services
  • Fuel Surcharge Waiver
  • Multiple redemption options like Statement credit & Catalog redemption

Bank of Baroda Premier Credit Card offers 4 complimentary domestic airport lounge access in the year. Also, there is no international airport lounge access is a huge letdown. You check all detail about this credit here

Bank of Baroda Select Credit Card

Bank of Baroda Select Credit Card
Bank of Baroda Select Credit Card

Key Highlight and features

Key Highlights

  • 5 Reward Points for on Dining, Utility bills, Online spends.
  • 1 Reward Point for on other categories
  • 1,000 bonus rewards points every month
  • Fuel Surcharge Waiver
  • Annual Fees waiver on spends of Rs.7500 within 60 days.

Best Suited for

  • Fuel
  • Rewards
  • Dining

Bank of Baroda Select Credit Card default rewards rate 0.25%, which meager compared to other credit cards. You can read details about this credit card here.

Bank of Baroda CMA ONE Credit Card

Bank of Baroda CMA ONE Credit Card
Bank of Baroda CMA ONE Credit Card

Key Highlight and features

Key Highlights

  • 5X Rewards on Dining, Online, and Utility Bills
  • 1000 Bonus Rewards every month
  • No Joining and Annual Fees
  • Complimentary Lounge access benefits
  • Fuel Surcharge waiver

Best Suited for

  • Only CMA are Eligible
  • Want low Forex Mark up Fees
  • Want to write CMA on Credit Card
  • Want special Professional Indemnity Insurance Cover.

Features of Bank of Baroda CMA ONE Credit Card

  • Professional Indemnity Insurance Cover of Rs. 5 Lakh
  • Air accident death cover of Rs.15 Lakhs
  • Non-air accident death cover of Rs. 5 Lakhs
  • Get 4,000 reward points every quarter on spending more than your card’s credit limit.
  • 1 rewards points for every Rs. 100 spent (1%)
  • 5 Rewards points for every Rs. 100 spent on dining, online, and utility bills.
  • 1000 Bonus rewards points on 5 transaction Rs. 1000 or more each month.

Bank of Baroda SWAVLAMBAN Credit Card

Bank of Baroda SWAVLAMBAN Credit Card
Bank of Baroda SWAVLAMBAN Credit Card

As the name suggests, this credit card is for a person who does not have sufficient income or belong lower income group. BoB Swavlamban credit offers 4 rewards points for every Rs. 100 spent and Complimentary Personal Accidental Death Cover of Rs.5 Lakhs.

How to Apply for the BoB Credit card?

BoB Credit card can be applied online through this link. The application process is straightforward if you apply through Branch, download the application form, and submit it to branch with the applicable documents. If applying online, then apply through the given even above.

BoB Credit card online apply
BoB Credit card online apply

After the application is complete, you check the bob credit card application status form the Bank of Baroda website. You need to put the application No. search form and click the Get Details. Your application status will be shown there. You can also get application status by calling the bob credit card customer care number 1800 102 44 55. The BoB Credit card toll-free number 1800 102 44 55 is always busy, you email to BoB for any inquiry.

Documents required for BoB Credit card

  • One Passport Size Photo
  • Copy of PAN Card
  • Address Proof : Aadhar Card, Copy of Passport, Voter ID card etc…..
  • Income proof : Three Month Salary Slip/ Bank Statement/ ITR.

BoB Credit Card Limit

BoB Credit Card Limit is decided on many factors like your income and credit score. You are an existing customer of the bank or not. If you have a good income, then there may be a chance to have a greater credit limit. However, you should consume most of the credit limit by spending injudiciously. A good spending pattern and timely payment of credit card due can lead to good credit history. If do not have good credit, then you can apply for BoB Credit card- Premie credit card.

Bank of Baroda Credit Card Customer Care Number.

If you face any problem, then you can call the BoB credit Card toll-free customer care number – 1800223224 and get things sorted out ASAP. The BoB Credit card executive will help you in solving the problem. BoB credit card email id is [email protected].

BoB Credit card online payment

One of the normal questions arises, How to pay bob credit card bill ?. The Credit card dues can be paid form Net Banking, CRED bill payment with rewards too, NEFT/RTGS, Cash Payment to Branch. Here link to pay bob credit card bill from net banking.

Did you have a Bank of Baroda Credit Card? Feel free to share your thoughts in the comments below. 

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Author: Dhiraj Jha

I love to acquire, review, and earn reward points/cashback from Credit Cards for free traveling and enjoying luxury hotels. Helping people about the benefits and optimal utilization of credit cards.

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