Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • Bank Of Baroda Credit Cards

    Bank of Baroda, established in the year 1908, is a leading bank in India. It is one of the largest public sector banks in the country, providing banking solutions to people all over the world. It has over 5000 branches with its headquarters present in Vadodara, Gujarat.

    Bank of Baroda offers a variety of financial products to its customers, which includes credit cards, debit cards, loans, deposits, etc. The bank provides various credit-cards that have attractive features and benefits to offer and are accepted by merchants and ATMs globally.

    List of Bank of Baroda Credit Cards:

    Bank of Baroda offers the following credit cards:

    Elite Platinum Visa Credit card

    The Elite Platinum Visa Credit card offered by Bank of Baroda is affiliated with VISA International and is valid throughout the world. The premium cards are offered by the bank to the High Net Worth Individuals. Apart from being packed with attractive features and benefits, the card offers its customers the extra benefit of insurance with the Free Personal Accidental Insurance. It also enables the user of the card to withdraw cash up to 30% of the credit limit.

    Eligibility required for the Elite Platinum Visa Credit card
    • The annual income of the individual needs to be Rs.4 lakh and above.
    • The individual’s age must be between 18 and 65 years
    • The bank prefers the applicant to have an existing relation with the bank.

    Select Platinum MasterCard credit card

    Just like the Elite Platinum Visa Credit card, the Select Platinum MasterCard credit card is offered by Bank of Baroda to the High Net Worth Individuals. This card also offers the cardholders the benefit of insurance as well as enables them to withdraw cash upto 40% of credit limit.

    Eligibility for Select Platinum MasterCard credit card
    • The annual income of the individual needs to be Rs.6 lakh and above.
    • The individual’s age needs to be between 18 and 65 years
    • The bank prefers the applicant to have an existing relation with them.

    Assure Platinum Credit card

    Assure Platinum Credit card is laced with most of the features and benefits that come with the Elite Platinum Visa and Select Platinum Mastercard credit cards. This card too can be availed only by the High Net Worth Individuals. The customers can avail the extra benefit of insurance by getting hold of this card and can withdraw cash up to 100% of credit limit from any ATM as the card is accepted globally.

    Who Is Eligible For The Card?
    • The applicant must be above 18 years of age
    • A minimum fixed deposit of Rs.25,000 is required to be opened with the bank

    Signature Visa Credit card

    The Signature Visa Credit card offered by Bank of Baroda is for the High Net Worth Individuals. The card comes with the feature of free personal accident insurance. The card can be used at over 70 million locations and more than 1 million ATMs worldwide. A user of this card can withdraw cash up to 40% of credit limit.

    Eligibility for Signature Visa Credit card
    • Annual income of the individual needs to be more than Rs.12 lakh.
    • The individual needs to be between 18-65 years of age.
    • The Bank prefers the applicant to have an existing relation with them.

    Titanium MasterCard Credit card

    Titanium MasterCard Credit card enables the individuals to withdraw cash up to 30% of the credit limit. Bank of Baroda offers this card to the High Net Worth Individuals and it is affiliated with Mastercard International. This card too comes with the benefit of insurance.

    Eligibility criteria for Titanium MasterCard Credit card
    • Annual income of the individual needs to be Rs.3 lakh and above
    • The individual needs to be aged between 18-65 years.
    • The applicant preferably needs to have an existing relation with the bank.

    Co-branded Credit Card

    The Co-branded Credit card offered by BOB is affiliated with VISA International and is valid throughout the world. The cards are offered to High Net worth Individuals by the bank. The user can withdraw cash up to 20% of credit limit.

    The applicant needs to fulfil the following eligibility criterias:
    • Annual income of the individual needs to be Rs.3 lakh and above
    • The individual needs to be aged between 18-65 years.
    • The applicant preferably needs to have an existing relation with the bank.

    Corporate Premium Credit Card

    Corporate Premium Card offered by Bank of Baroda helps a corporate to manage their business expenses efficiently. The card is affiliated with Visa International and is valid throughout the world. It can be used at over 70 million establishments and more than 1 million ATMs.

    Eligibility Criteria For Corporate Premium Credit Card
    • Constitution: Limited/Government Companies/Partnership Firms
    • Paid-up Capital: Rs.25 Lakh and above
    • Net worth of the Company: Rs.50 Lakh and above
    • Credit Facility with Bank of Baroda : Rs.1 Crore and above and rating more than BOB 6

    Why Choose Bank of Baroda Credit Cards?

    The credit cards offered by Bank of Baroda are designed to provide the maximum benefits to the cardholders. Apart from getting money on credit when required, people can earn rewards on their purchases that can be redeemed to earn exclusive offers. There is no surcharge on fuel transactions made by the customers using Bank of Baroda credit cards. The cards also have many other attractive features which include low annual and membership fees, free add on cards, insurance coverage, etc.

    Features and Benefits of BOB Credit Cards

    • Validity –The credit cards offered by Bank of Baroda are valid for use in any part of the world and are accepted by more than a million ATMs
    • 24x7 Customer Care Service Bank of Baroda provides 24 x 7 customer care service to its credit cardholders. People can call up on the 24x7 toll free number for credit cards to get any help or information related to their card
    • Cash Withdrawal Facility – Bank of Baroda provides cash withdrawal facility to its credit card customers. Cardholders are allowed to withdraw a percentage of their credit limit from ATMs in India and Abroad. This percentage differs from card to card
    • Loyalty Points –Bank of Baroda credit cardholders earn loyalty points when they spend money using their cards
    • Add on Cards – Most credit cards offered by Bank of Baroda come with free Add on cards
    • Annual Fee Waiver – If cardholders spend a certain amount of money annually using their Bank of Baroda credit card and pay their bills regularly, the bank will waive off their annual fee
    • Exclusive Offers – Bank of Baroda provides exclusive offers such as 0% fuel surcharge, attractive discounts on international and domestic air tickets, hotel bookings, holiday bookings, etc. on all its credit cards. Apart from this, the cardholders enjoy dining, shopping, hotel, etc. privileges and benefits offered by Visa and MasterCard
    • Insurance Coverage –Credit cards offered Bank of Baroda come with an in-built Personal Accidental Death Coverage. Here, the bank provides coverage to cardholders in case of accidents for free. The amount of coverage differs depending on the card
    • Insta Pay Service – The Insta Pay service of Bank of Baroda have made it very easy and simple for credit cardholders to pay their bills online
    • Security – Credit cards offered by Bank of Baroda come with a security chip, which provides protection from fraudulent activities

    Bank of Baroda Eligibility Criteria:

    • Age Criteria – Applicants of Bank of Baroda Credit Cards need to meet a certain age criteria in order to apply for the credit cards. All the applicants must be between 18 years and 65 years of age
    • Income Criteria – Applicants of Bank of Baroda Credit Cards must earn a certain sum of money annually in order to meet the eligible criteria. This amount varies depending on the card the applicant opts for
      • The applicants applying for a Bank of Baroda Corporate Premium Credit Card should either be a Limited or a Partnership firm or a Government company. They must have a paid- up capital of at least Rs.25 Lakhs and the Net Worth of their companies must be at least Rs.50 Lakhs. Apart from this, they need to have a credit facility of at least Rs.1 crore and a BOB rating of 6 and above.
      • If the applicants have existing banking relations with Bank of Baroda, they will be given preference

    Documents Required for BOB Credit Cards

    Applicants have to provide the following documents while applying for a Bank of Baroda Credit Card–

    • Identity Proof -

      During the credit card application process, the applicants have to provide a document confirming their identity to Bank of Baroda. This document can be a copy of one of the following –

      • Passport
      • Voter’s Identity Card
      • Driving License
      • UID
      • PAN Card
    • Income Proof -

      During the credit card application process, the applicants also have to provide an income proof to the bank. This document can be a recent copy of any one of the following–

      • Form 16
      • Income Tax Return
      • Salary slip
    • Residence Proof -

      The applicants need to provide a residence proof as well when they apply for a Bank of Baroda credit card. This document can be a copy of any one of the following –

      • Passport
      • Passbook of PSU Bank
      • Fixed Line Bill
      • Electricity Bill
      • UID

    Apart from the above, the applicants have to provide a copy of their bank statement (recent 3 months), PAN card copy and colour photographs. Applicants of Bank of Baroda Assure Platinum Credit Card have to provide a front and backside copy of FDR discharged by themselves and Annexure 1, Annexure 2 and Annexure 3.

    Applicants of Bank of Baroda Corporate Credit Card have to provide different documents during the application process. These documents are as follows:

    • Company IT Return
    • Undertaking Letter or Board Resolution
    • Company PAN card
    • Partnership Deed or Memorandum of Article and Associations
    • Copy of the Audited Balance Sheet and the Profit & Loss Account for the last 3 years
    • Photographs of the Applicant

    Bank of Baroda Credit Card FAQs:

    1. What payment options do Bank of Baroda Credit Cardholders have?

      Bank of Baroda credit cardholders can make their payments in the following ways:

    2. What is the cheque return fees?

      The cheque return fee is minimum Rs.300 or 2%, whichever is higher. For Bank of Baroda Signature Visa Credit Card, the cheque return fee is minimum Rs.500 or 2.5%, whichever is higher.

    3. Can Bank of Baroda credit card applicants check their application status online?

      Yes, Bank of Baroda credit card applicants check their application status online

    4. Will the bank block my card, if I fail to pay my credit card bills?

      The bank will block your card only if you fail to pay the credit card bills of two months back to back.

    5. How much does the bank charge for de- blocking a credit card?

      The bank charges Rs.300 for de- blocking a credit card.

      

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    Bank Of Baroda Credit Cards Reviews

    • Bank of Baroda Credit Card
      "Best and easy "
      0.5 4.0/5 "Great!"
      I am using BANK OF BARODA credit card for 10 years,I used this card for multi purposes, the card statement have a term and condition that if i spend more than the limit that they have kept it will be considered as a free card.This card help me in maintaining my credit score because I always try to do my payment on time.
      Was this review helpful? 6
      , patiala
      Reviewed on Mar 20, 2020
    • Bank of Baroda
      Bank of Baroda Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I got this credit card offer from Bank of Baroda based on my account which holding with them. Since 5 years I am using this card so far I haven't faced any issue. I am not satisfactory with the credit limit and EMI is also very much flexible. The customer service and it has been the best in the response.
      Was this review helpful? 4
      , tirupur
      Reviewed on Mar 20, 2020
    • Bank of Baroda Credit Card
      "Need to provide other product offer"
      0.5 3.0/5 "Satisfactory"
      BANK OF BARODA has not offering any other product option for the customer except credit card. I use this card for past 2 years. They have given an annual fee chargeable card with the credit limit of 25K but still not yet get a chance to enhance the limit. I use this card for general purposes.
      Was this review helpful? 4
      , bangalore
      Reviewed on Mar 17, 2020
    • Bank of Baroda Credit Card
      "Great "
      0.5 4.5/5 "Excellent!"
      Card to approved for my personal work to please fill up my request to get bank over provide card you humble request to experience and help financial decisions like other to better for card To just like for financial for situation is to be great
      Was this review helpful? 2
      , vadodara
      Reviewed on Mar 17, 2020
    • Bank of Baroda Credit Card
      "Interest rate was high, need to improve in customer service"
      0.5 1.0/5 "Really Bad"
      Customer service is not up to the mark in BANK OF BARODA which they need to improve in service. Since one year am using this service and i am not happy, first time i used the card for fuel filling but they are not given EMI facilities. They given a credit limit of Rs. 50k, if i use this card for anything they are charging high interest which I need to check.
      Was this review helpful? 1
      , chandigarh
      Reviewed on Mar 15, 2020
    • Bank of Baroda Credit Card
      "Best card "
      0.5 5.0/5 "Blown Away!"
      From Bank of Baroda, i am using credit card more than 1 year. This is a life time free card and they given a credit limit of Rs. 2L. I am using this card for all purpose and this card has EMI facilities but i have not go for that EMI. If i call customer care there is some problem. Reward points i am getting 1500 but i have not redeemed this card has cash back offer, airport lounge domestic purpose only i used.
      Was this review helpful? 2
      , pune
      Reviewed on Mar 09, 2020
    • Bank of Baroda Credit Card
      "Need to enhance the credit limit "
      0.5 2.0/5 "Expected more"
      On 6 months back I got Bank of Baroda credit card offer which I applied directly from bank. They provided a life time free card. The credit limit is too low of 50K but I was expecting more than that. Once I provide the documents I received the card by 15 days. EMI conversion is not applicable. I use for shopping but there is no much offers.
      Was this review helpful? 0
      , mumbai
      Reviewed on Mar 08, 2020
    • Bank of Baroda Credit Card
      "Excellent Card"
      0.5 5.0/5 "Blown Away!"
      I have not used Bank of Baroda credit card for many times. I purchased this card on 1 year before. They provided the credit limit is not up to the mark. If I spend around Rs. 50,000 my annual fee gets waived off. I'm getting offers on flight booking, online shopping portals. I have an account over there so they have provided me this card.
      Was this review helpful? 2
      , kolkata
      Reviewed on Mar 06, 2020
    • Bank of Baroda Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I am using BANK OF BARODA credit card more than 6-7 months, through bank itself i got this offer. This is a life time free card and they given a very low credit limit of Rs. 25k. need to increase the limit. Mostly i use this card for movie ticket and flight ticket booking and online shopping, customer service was good.
      Was this review helpful? 4
      , kolkata
      Reviewed on Feb 21, 2020
    • Bank of Baroda Credit Card
      "Best bank"
      0.5 5.0/5 "Blown Away!"
      From Bank of Baroda, i have taken a credit card before 1 year. Credit card which is a lifetime free card. I got an offer from this bank, so i applied but i am not happy with the credit limit which they need to increase. Customer service was fine, i am using this card for all purpose.
      Was this review helpful? 3
      , kolkata
      Reviewed on Feb 10, 2020
    • Bank of Baroda Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      Bank of Baroda each and every service is really good. I'm getting a good response in the customer care. The annual fee is zero. I don't have any knowledge about the offers. Once i do a purchase, i will make the payment. They offered me a credit limit of Rs. 25000. I have a account in Bank of Baroda for more than 15 years so that they have provided me a credit card from their branch.
      Was this review helpful? 8
      , kolkata
      Reviewed on Jan 29, 2020
    • Bank of Baroda Credit Card
      "Simply as a credit card without any offers"
      0.5 1.0/5 "Really Bad"
      I am having a credit card from Bank of Baroda but they are not providing any offers even on festival days. They have simply issue the card to the customer but they are charging me a annual fee. Actually as a nationalized bank, i have chosen this card and now i have decided to close this card.
      Was this review helpful? 2
      , ahmedabad
      Reviewed on Jan 21, 2020
    • Bank of Baroda Credit Card
      "Good Service"
      0.5 3.0/5 "Satisfactory"
      I have Bank of Baroda credit card which was taken through Bank and am having a salary account on this same bank so much comfortable to do my bills. I am satisfied with the credit limit, getting cash back offers and reward point but i am not using it.
      Was this review helpful? 2
      , surat
      Reviewed on Jan 02, 2020
    • Bank of Baroda Credit Card
      "Good Card"
      0.5 4.0/5 "Great!"
      I asked Bank of Baroda customer care to upgrade the credit limit but they told me that based on my eligibility only they have given me the limit of Rs. 20000 above which is less when i compared to other credit cards. I am having a account with Bank of Baroda thats the reason i have chosen this card. There are some daily offers for food and travel.
      Was this review helpful? 1
      , bangalore
      Reviewed on Dec 27, 2019
    • Bank of Baroda Credit Card
      "Good "
      0.5 5.0/5 "Blown Away!"
      I am using BANK OF BARODA credit card for more than 2 years. I was applied a card directly to bank. It is annual fee chargeable of 500 plus GST, but there is no option for waiver off. They have offered a credit limit of 25K. I use this card for many purposes.
      Was this review helpful? 3
      , jaipur
      Reviewed on Dec 23, 2019
    • Bank of Baroda Credit Card
      "Best Service"
      0.5 4.0/5 "Great!"
      I have Bank Of Baroda credit card which was offered by Bank .Since I am holding a salary account I have got this credit card offer .I am using this credit card for the past 2 months only .The credit limit was up to 60,000 only and this was a free card .There are cash back offers as well as reward points. I am rarely using this card so far.
      Was this review helpful? 4
      , mumbai
      Reviewed on Nov 04, 2019
    • Bank of Baroda Credit Card
      "Worst customer care service"
      0.5 1.0/5 "Really Bad"
      In Bank of Baroda, i had a lots of problems. Their customer care service is very worst because if i approach their number, every time, they asked me to call me a different number. I have already canceled the credit card. I had a bank account with them hence they forced me to take the product.
      Was this review helpful? 21
      , new delhi
      Reviewed on Oct 03, 2019
    • Bank of Baroda Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      Since I am holding a salary account Bank of Baroda for many years they have offered for a card directly from their end. It is a life time free credit card and the credit limit was sufficient to use. I have taken a credit card on 4 months before and the process was good.
      Was this review helpful? 3
      , hyderabad
      Reviewed on Sep 14, 2019
    • Bank of Baroda Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I am thinking to close Bank of Baroda card in future. Actually am having many cards so just to avoid more card. Its not that they are not providing good benefits according to my convenient. The credit limit is 50K and it was fine. The interest rate is affordable. This card is having annual fee and if use it for certain limit then will be waived off. It was free for the first year.
      Was this review helpful? 0
      , mumbai
      Reviewed on Sep 11, 2019
    • Bank of Baroda Credit Card
      "Bad service"
      0.5 3.0/5 "Satisfactory"
      Sales Executive approached me and provided me a Bank of Baroda card by saying that many benefits are available like discounts, cashbacks. When i started using the card, i have not get any facility hence sales executive making the customers fool. I don't get any offer on fuels and ticket booking.
      Was this review helpful? 1
      , thane
      Reviewed on Aug 30, 2019
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