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

    This 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

    This 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:

    • 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.

      

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    Bank Of Baroda Credit Cards Reviews

    • Bank of Baroda Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I am using BANK OF BARODA credit card for more than a month. The process was done on smooth manner and I received a card on time. It is an annual fee chargeable. The credit limit is sufficient to use. For every transactions I use to get reward points.
      Was this review helpful? 0
      , chennai
      Reviewed on May 22, 2019
    • Bank of Baroda Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      Bank of Baroda given an offer to apply for a credit card. At an initial process was smooth and good. On time the card was received. The credit limit is more sufficient. I use to get points and cash back for the transactions.The customer service is good and responsiveness.
      Was this review helpful? 0
      , noida
      Reviewed on May 17, 2019
    • Bank of Baroda Credit Card
      "GOOD CARD TO USE"
      0.5 4.0/5 "Great!"
      I have been holding the credit card of BANK OF BARODA where the card has the satisfactory credit limit and with the good offers. It is a user friendly card with hassle free payments facility can be done through the mobile application with this card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 17, 2019
    • Bank of Baroda Credit Card
      "Need scope of improvement"
      0.5 5.0/5 "Blown Away!"
      Last one year Bank of Baroda and the service offered by them has improved, I am holding platinum card its a life time free one. Generally I use this card for purchase and they send e mail statement to my mail id. I used to go to the bank for making cheque payment and it get clear on the same day.
      Was this review helpful? 0
      , chennai
      Reviewed on May 14, 2019
    • Bank of Baroda Credit Card
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      I have taken the credit card with the BANK OF BARODA where the card has the satisfactory credit limit along with that the card has the sufficient offers also there is a EMI option with this credit card but there is no cash backs with this card as a offer.
      Was this review helpful? 0
      , kolkata
      Reviewed on May 11, 2019
    • Bank of Baroda Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I am using the BANK OF BARODA Credit Card for the last ten years and the services with them has been good. There is a good credit limit with this card and there has also been some good benefits which comes with this card. It does not have any sort of annual charges and i use the card for online purchases and for shopping.
      Was this review helpful? 0
      , kolkata
      Reviewed on May 04, 2019
    • Bank of Baroda Credit Card
      "Very lesser credit limit"
      0.5 3.0/5 "Satisfactory"
      Bank of Baroda is my recently purchased credit card . I got this card within 10-15 days of time . Though it is a life time free credit card but their credit limit is not so impressive . Their people said credit limit will be increased after six months of time .
      Was this review helpful? 3
      , ahmedabad
      Reviewed on Apr 22, 2019
    • Bank of Baroda Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      It has been more than six months since i am using the BANK OF BARODA CREDIT CARD, the services with them was great so far. They had been providing some great offers like reward points which cane be converted into cash and it is a life time free card as well. I am satisfied with the credit limit with this card where i am using it for all sort of purposes.
      Was this review helpful? 0
      , faridabad
      Reviewed on Apr 20, 2019
    • Bank of Baroda Credit Card
      "A normal credit card"
      0.5 1.0/5 "Really Bad"
      I don't have that much good relationship with Bank of Baroda credit card . Really , I am not impressed with the customer service . For name sake , I just use this card and pay my bill on time to them .Apart from that , I don't see their offers in my mail id .
      Was this review helpful? 1
      , new delhi
      Reviewed on Apr 16, 2019
    • Bank of Baroda Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      For the last one year and above I had been holding this Bank of Baroda credit card and their customer service is good ,this is chargeable card but I don't know exact how much charges ,in this card rewards point offer available and redeem my point easily , I am satisfied with bank of baroda.
      Was this review helpful? 0
      , jaipur
      Reviewed on Apr 12, 2019
    • Bank of Baroda Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      My application has been approved with BANK OF BARODA . The process of getting the card is quick . Overall this card is like any other card you can find in the market and don't have any exceptional offers. It is not life time free card , there is some annul fee with this card .
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Mar 28, 2019
    • Bank of Baroda Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      Reason for applying Bank of baroda credit card is for their life time free credit card,as they have not charged me annual fee in this card,and their credit limit they have given me was good,their offers are good for on line shopping mostly. Till now my experience was good.
      Was this review helpful? 1
      , ahmedabad
      Reviewed on Mar 25, 2019
    • Bank of Baroda Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      The reason for choosing Bank of baroda credit card is for their service, i have been previously using as saving account so i applied for credit card through it,and i hold platinum select card,there is no offer available in this card as it is basic card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 23, 2019
    • Bank of Baroda Credit Card
      "Best card"
      0.5 5.0/5 "Blown Away!"
      Reason for applying this Card was, it holds the good offers . Yes there are Annual charges but the much i use the much you get rewards points. Rate of interest are reasonable,Resolution for my doubts and issues are very quick and i am happy about it. I am holding BANK OF BARODA credit card .
      Was this review helpful? 1
      , new delhi
      Reviewed on Mar 15, 2019
    • Bank of Baroda Credit Card
      "Average Service"
      0.5 2.0/5 "Expected more"
      I am using it for the past 3 months only. The credit limit is upto 25000 only .I am not using frequently , I am using using it for the activation purpose only and not for any other reason .I will be getting message and email once do any transaction. i am using only for ticket booking and saloons .If not using then credit card will not in active status so using it for the active status.
      Was this review helpful? 1
      , mumbai
      Reviewed on Mar 15, 2019
    • Bank of Baroda Credit Card
      "Average card"
      0.5 3.0/5 "Satisfactory"
      I have been holding Bank of Baroda credit card for long time.i have been holding their account so they have provided me this credit card,They have charged me annual fee in this card,but there is waived off option available in this card,and they use to give good credit limit.
      Was this review helpful? 1
      , ahmedabad
      Reviewed on Mar 11, 2019
    • Bank of Baroda Credit Card
      "Very Good Service"
      0.5 4.0/5 "Great!"
      I have been using this credit card for the last two years and their services has been quite good. The credit limit with this card has been quite less but they had been providing some good benefits with this card. I have been using this card for all purchases and there is some annual charges with this card as well.
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 03, 2019
    • Bank of Baroda Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      Till date the Experience with BANK OF BARODA is great. The interface is most use friendly, i get the right updates. It has no annual charge on it , the interest rates are reasonable. I am holding this card for past 4 years . The whole application has been hassle free .
      Was this review helpful? 0
      , noida
      Reviewed on Feb 28, 2019
    • Bank of Baroda Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I have been using bank of baroda credit card from more than 3 years,They have not charged me annual fee,as it is life time free credit card,it is my employee card, and i am not much happy with the credit limit which they have given me in this card , and there is network issue always, like whenever i want to use this card, there is always issue in using it.
      Was this review helpful? 1
      , mumbai
      Reviewed on Feb 26, 2019
    • Bank of Baroda Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I am banking with Bank of Baroda bank from past 6-7 years.The banking services are best when compared to other nationalized banks. I am happy with the customer support and their response is good,On line facilities are easy to use in this bank.Their overall service is good.
      Was this review helpful? 0
      , jaipur
      Reviewed on Feb 25, 2019
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