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    Bank Of Baroda Credit Cards

    Card
    1st Year Fee
    Rewards
    Joining Perks
    150
    Response Time Within 30 minutes
    -
    Response Time Within 30 minutes
    Nil
    Response Time Within 30 minutes
    -
    Response Time Within 30 minutes
    500
    Response Time Within 30 minutes
    Nil
    Response Time Within 30 minutes
    1000
    Response Time Within 30 minutes
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    Bank Of Baroda Credit Cards Reviews

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    Bank Of Baroda Credit Cards is Rated as "Great!" by 25 Users

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    Promised Interest Rate

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    Overview:

    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.

    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 Bank of Baroda 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 Credit Card Rates of Interest:

    Charge Elite Platinum Visa Credit Card Select Platinum MasterCard Credit Card Signature Visa Credit Card Assure Platinum Credit Card Titanium MasterCard Credit Card Co- Branded Credit Card Corporate Premium Credit Card
    Entry fee Rs.500 Rs.1000 Rs.1000 Nil Rs.250 Rs.500 Rs.2000
    Annual Fee Rs.1000 Rs.1000 Rs.1000 Rs.500 Rs.500 Rs.1000 Rs.2000
    Rate of Interest 2.6 % per month 2.6 % per month 2.6 % per month 1.6 % per month 2.5 % per month 2.6 % per month 2.6 % per month

    Bank of Baroda Rewards:

    Usage Bank of Baroda Loyalty Points
    Elite Platinum Visa Credit Card Select Platinum MasterCard Credit Card Signature Visa Credit Card Assure Platinum Credit Card Titanium MasterCard Credit Card Co- Branded Credit Card Corporate Premium Credit Card
    Purchase of goods or services 1 point on every Rs.100 2 points on every Rs.100 2 points on every Rs.100 1 point on every Rs.100 1 point on every Rs.100 1 point on every Rs.100 1 point on every Rs.100

    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

    Bank of Baroda Credit Card Documents Required:

    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

    List of Bank of Baroda Credit Cards:

    Bank of Baroda offers the following credit cards:

    Bank of Baroda Credit Card FAQs:

    • What payment options do Bank of Baroda Credit Cardholders have?

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

      • By Cash
      • By Bill Desk
      • By Cheque
      • By online payment
      • By NEFT or RTGS
      • Auto Debit

    • 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.

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

      Yes, Bank of Baroda credit card applicants check their application status online on the bank’s website.

    • 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.

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

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

    *Note: All the rates mentioned above are subject to change, so, the customer has to keep on rechecking the rates on regular basis.

    News About Bank of Baroda Credit Card

    • Use your credit card right!

      Never exceeding 40% of your credit limit has a very beneficial effect on your credit score. This shows your credit limit is high but you have not burnt it up and have plenty in reserve.

      18th September 2014

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