Reward Rates:

  • 1.25%

    Earn 5 reward points on every Rs. 100 spent on Groceries, Departmental Stores and Movies.

  • 0.25%

    Earn 1 reward points on every Rs. 100 spent on regular purchase.

Introductry Benefits
Rs. 0/-
Joining Fee
Rs. 500/-
Annual Fee
Rs. 500/-
Annual Rewards
Rs. 0/-

Cashback on Bill Payment

Get 0.50% cash back on your credit card bill payment.

Insurance Coverage

Get complimentary personal insurance cover in case of accidental death.

Reward Rates:

  • 3.00%

    Earn 12 Reward Points on every Rs. 100 spent on Paytm.

  • 1.00%

    Earn 4 Reward Points on every Rs. 100 transaction.

Introductry Benefits
Rs. 0/-
Joining Fee
Rs. 2000/-
Annual Fee
Rs. 2000/-
Annual Rewards
Rs. 0/-

Insurance Cover

Get complimentary personal insurance cover in case of accidental death.

Reward Rates:

  • 2.50%

    Earn 10 reward points on every Rs. 100 spent on travel, Dining, and International Spend.

  • 0.50%

    Earn 2 reward points on every Rs. 100 spent on regular purchase.

Introductry Benefits
Rs. 0/-
Joining Fee
Rs. 1000/-
Annual Fee
Rs. 1000/-
Annual Rewards
Rs. 0/-

Insurance Coverage

Get complimentary personal insurance cover in case of accidental death.

Reward Rates:

  • 1.00%

    Earn 4 Reward Points against each Rs. 100 transaction.

Introductry Benefits
Rs. 0/-
Joining Fee
Rs. 0/-
Annual Fee
Rs. 0/-
Annual Rewards
Rs. 0/-

Insurance Cover

Get complimentary personal insurance cover in case of accidental death.

Reward Rates:

  • 1.25%

    Earn 5 reward points on every Rs. 100 spent on Dining, Utility Bill Payments and Online expenses.

  • 0.25%

    Earn 1 reward points on every Rs. 100 spent on regular purchase.

Introductry Benefits
Rs. 0/-
Joining Fee
Rs. 750/-
Annual Fee
Rs. 750/-
Annual Rewards
Rs. 0/-

Monthly Bonus Reward Points

Earn 1000 Bonus Reward Points on completing 5 transactions worth Rs. 1000 each, per month.

Insurance Coverage

Get complimentary personal insurance cover in case of accidental death.

Top Picks


Best For Card Name
Fuel No particular card for fuel.
Travel BOB Premier Credit Card
Family BOB Easy Credit Card, BOB Select Credit Card
Premium No specific premium credit card.
Frequent Spenders No particular card for frequent spenders.

Best BOB Credit Card for Family: Bank of Baroda Easy Credit Card


Benefits

The card offers incremental reward value worth Rs. 1.25 on family related categories – Grocery, Departmental stores and Movies. Moreover, you also earn 0.50% cashback on bill payments and save 1% on fuel transactions along with complimentary personal accidental death cover.

Drawbacks

The incremental reward points are limited to a maximum of 1,000 within a statement month. Moreover, the annual percentage rate of 39% is pretty high.

Bottom Line

The card delivers pretty great value on the selected categories; though, it is limited. And, you also get some cash back against some expenses. The card comes with Rs. 500 joining fee which can be waived off if you spend Rs. 6,000 within 60 days of card activation, and the same annual fee which can be waived off by simply spending Rs. 2,916.

Best BOB Credit Card for Family Runner’s Up: Bank of Baroda Select Credit Card


Benefits

The card offers 5X incremental reward value worth Rs. 1.25 on family related categories – Online Shopping, Dining and Utility Bill Payment. Moreover, you also earn bonus reward points worth Rs.250 against conditional spend of Rs. 5,000 and save 1% on fuel transactions along with complimentary personal accidental death cover.

Drawbacks

The incremental reward points are limited to a maximum 1000 within a statement month. Moreover, the annual percentage rate of 39% is pretty high and slightly higher annual fee than BOB Easy Credit Card.

Bottom Line

The card delivers pretty great value on the selected categories but it is limited. And, you also get some bonus reward points. The card comes with Rs. 750 joining fee which can be waived off if you spend Rs. 7,500 within 60 days of card activation, and the equal annual fee which can be waived off by simply spending Rs. 5,833.

Best BOB Credit Card for Travel: Bank of Baroda Premier Credit Card


Benefits

The card offers great incremental reward value worth Rs. 2.5 on travel related categories – travel bookings, dining and international expenses, and Rs.0.50 reward value on regular expenses. Apart from it, you get complimentary VISA airport lounge access, free golf games, personal accident cover and surcharge waiver on fuel transactions.

Drawbacks

The incremental reward points are limited and the annual percentage rate of 39% is pretty high.

Bottom Line

The card delivers pretty great value on the selected categories, and you also get some good complimentary benefits. The card comes with Rs. 1,000 joining fee which can be waived off if you spend Rs. 10,000 within 60 days of card activation, and the equal annual fee which can be waived off by simply spending Rs. 10,000 per month on the card.

View Other Bank of Baroda Credit Cards


Bank Of Baroda Prime Credit Card

This is a secured credit card which can be availed against a fixed deposit of minimum Rs. 15,000 without providing any income proof to Bank of Baroda. The card comes free of cost and there’s no annual fee as well. You get 1% cashback (4 reward points) on each eligible spend made on the card. Moreover, you also save 1% on fuel transactions and get complimentary accidental death cover. Though, it offers pretty good reward rate but the APR is quite high.

Bank Of Baroda Paytm Credit Card

The card comes with Rs. 2,000 which is higher than the other Bank of Baroda Credit Cards. You earn 3% cashback on every Rs. 100 spent on Paytm and Rs. 1 on other purchases. Moreover, you get complimentary death protection cover and save 1% on fuel transactions. However, the APR of 39% is something you should keep in mind if you usually utilise the benefit of revolving payment facility.

Bank of Barod Credit Card Eligibility


Eligibility Criteria
Age 18 to 65 Years
Income Rs. 3 Lacs per annum
For Unsecured Card
Minimum Rs. 15,000 Deposit Amount
For Prime Card
  • The age of the Primary Cardholder should be between 18 years to 65 years.
  • Minimum net annual income of the applicant should be Rs. 3 Lacs to own any Bank of Baroda Credit Cards.
  • Minimum Fixed Deposit of Rs. 15,000 is required to own Bank of Baroda Prime Card.

Bank of Barod Credit Card Documentation


  • Passport Size Photographs
  • Identity Proof: Aadhaar Card, Voter ID Card, PAN Card,
  • Address Proof
  • Income Proof

Bank of Baroda Credit Card Bill Payment


BOB offers different payment methods to its credit cardholders to pay BOB credit card bills including online and offline methods so that they can pay their credit card bills on time.

Pay BOB Credit Card Bill through InstaPay

  • Click here to go to BOB Credit Card InstaPay service.
  • Enter your credit card information and re-enter for confirmation.
  • Enter the captcha code correctly.
  • Click on “Proceed” and confirm to verify card holder’s Name.
  • Enter the amount you wish to pay along with Email Id and your mobile number.
  • Chose a bank from the drop-down list to make the payment and select “Submit”. You’ll be redirected to the chosen bank’s net banking page.
  • Confirm the payment by entering your net banking information.

Note: The payment will reflect in your card account within 2 working days.

Pay BOB Credit Card Bill through Billdesk

  • Click here to go to BOB Credit Card billdesk service.
  • Choose BOBCard Credit Card from the Credit Card drop-down menu.
  • Select a payment option from the Payment Through drop-down and click on “Submit” button.
  • Fill the information required.
  • Choose your bank’s netbanking service from the drop-down menu.
  • Click on “Submit” and you’ll be redirected to your chosen bank’s netbanking payment interface.
  • Confirm the transaction by entering your net banking information and receive the acknowledgement on your screen.

Pay BOB Credit Card Bill through NEFT/RTGS

  • Login your other banks’ net banking service and go to fund transfer option.
  • Choose NEFT/RTGS Fund Transfer and add your BOB Credit Card as payee. To add your card as payee, use the following details.
    • Beneficiary Name - Name on the card
    • Beneficiary Bank Name - Bank of Baroda
    • Beneficiary Branch Name - Mumbai
    • IFSC code - BARB0COLABA
    • Beneficiary Account number - Your 16-digit credit card number
  • Now, go back to NEFT/RTGS payment option and select your BOB credit card from the payee list.
  • Enter the payment amount and confirm the payment.

Pay BOB Credit Card Bill through Auto Debit

  • Click here to download the Auto Debit form.
  • Fill the form and attach the necessary documents
  • Submit the card at your Bank of Baroda home branch.

Pay BOB Credit Card Bill through Cash at Bank of Baroda branch

  • Visit your local Bank Of Barod branch.
  • Fill a cash deposit slip. Enter your BOB Credit Card number in the place of Account Number.
  • Sign the slip and mention your phone number at the back of the slip.
  • Submit the slip to the cash counter.

Pay BOB Credit Card Bill through Cheque/Draft

  • Write a cheque/draft in favour of your BOB Credit Card – Bobcard No. XXXX XXXX XXXX XXXX (Your 16-digit credit card number).
  • Sign the cheque and mention your phone number at the back of the cheque/draft.
  • Drop the cheque/draft at the nearest MINC Bill boxes or at the nearest Bank Of Barod Branch.

Note: Make sure that the cheque is dropped in at least 4 days before the payment due date. The cheque is drawn on a local Bank and is not post dated.

Bank Of Baroda Credit Cards – Other Charges


Type of Charges Applicable Amount
Add-on Card Fee NIL
Foreign transaction fee 3.50% of the transaction amount in Indian Rupee
Late Fee NIL if total due amount is less than Rs. 200.
Rs. 100 if total due amount is between Rs. 200 to Rs. 500.
Rs. 400 if total due amount is between Rs. 501 to Rs. 1,000.
Rs. 500 if total due amount is between Rs. 1,001 to Rs. 10,000.
Rs. 750 if total due amount is above Rs. 10,000.
Minimum Payment 5% of the outstanding bill amount or Min Rs. 100.
If due by 1 month
10% of the outstanding bill amount.
If due by 2 to 3 months
15% of the outstanding bill amount.
If due by 4 to 6 months
Over-limit fee 1% of the overlimit amount.
Returned payment fee 2% of the total bill amount
Rs. 300.
Card Replacement Charges Rs. 100
EMI Conversion Charges 1.5% per month interest rate with one time processing fee of 2% of the transaction amount or minimum of Rs. 100.
For Post-EMI Facility
13% to 15% per annum interest rate.
For Instant EMI Facility

How To Apply for Bank of Baroda Credit Card?


  • Select a BOB Credit Card as per your preferences from above.
  • Click on “Get Started” and fill the Online Application Form. You'll be asked to provide some personal details such as your Address, Contact, Income, Employer Details, Educational Qualifications.
  • Once the application form is submitted successfully, you will receive a confirmation from BOB.

Note: If your application was rejected, you would be able to apply after 3 months of your previous application.

FAQs


How do I hotlist my BOB Credit Card?

You can hotlist your BOB Credit Card by calling BOBCard Customer Care at their Credit Card Hotlisting number 1800-22-5100. Or, you can block the credit card by sending a message to +91-93238-03935 to immediately block the card, and also write an email at [email protected]