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

    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.

    Top Bank of Baroda Credit Cards

    Bank of Baroda Card Variant Joining Fee Annual Fee
    BOB Prime Credit Card Nil Nil
    BOB ICAI Exclusive Credit Card Nil Nil
    BOB ICSI Diamond Credit Card Nil Nil
    BOB CMA One Credit Card Nil Nil
    BOB Assure Credit Card Nil Rs.500
    BOB Titanium Master Credit Card Rs.250 Rs.500
    BOBCARD Easy Credit Card Rs.500 Rs.500
    Co-Branded Card (BOBCARD Bombay Bullion) Rs.500 Rs.1,000
    BOB Elite Platinum Visa Credit Card Rs.500 Rs.1,000
    BOB Signature Visa Credit Card Rs.500 Rs.1,000
    BOB SELECT Credit Card Rs.750 Rs.750
    BOB Premier Credit Card Rs.1,000 Rs.1,000
    BOB Paytm Credit Card Rs.2,000 Rs.2,000
    BOB ETERNA Credit Card Rs.2,499 Rs.2,499
    More

    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.

    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 24x7 customer care service to its credit cardholders. People can call up on the 24x7 Bank of Baroda credit card customer care to get any help or information related to their 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

    Features & Benefits of Top BOB Credit Cards

    Bank of Baroda Prime Credit Card

    Key Highlights: BOB Prime Credit Card allows you to earn cashback every time you swipe your credit card.

    Joining Fee: NIL

    Annual Fee: NIL

    Features and Benefits:

    • Guaranteed issuance against fixed deposit of 15,000 or more without any income proof.
    • 1% cashback on all spends.
    • Fuel Surcharge Waiver
    • Zero first year and annual fees.

    Bank of Baroda ICAI Exclusive Credit Card

    Key Highlights: BOB ICAI Exclusive Credit Card allows you, as a member for the ICAI to earn reward points every time you spend with your credit card.

    Joining Fee: NIL

    Annual Fee: NIL

    Features and Benefits:

    • You will get 5 reward points for every Rs.100 that you spend on online, utility bills, and dining.
    • You can get up to 3 free add-on cards.
    • You can get a 1% waiver on fuel surcharge at all petrol stations across the country.

    Bank of Baroda ICSI Diamond Credit Card

    Key Highlights: BOB ICSI Diamond Credit Card gives you up to 50 days of interest free credit along with world-class privileges.

    Joining Fee: NIL

    Annual Fee: NIL

    Features and Benefits:

    • You will get a 6-months free FitPass Pro membership of Rs.15,000.
    • Get 5 reward points every time you swipe your card for Rs.100 on dining, online expenses, and utility bills.
    • You will earn 1,000 reward points when you use the credit card within the first 30 days of it being issued.

    Bank of Baroda CMA One Credit Card

    Key Highlights: BOB CMA One Credit Card allows you to earn reward points every time you swipe your credit card.

    Joining Fee: NIL

    Annual Fee: NIL

    Features and Benefits:

    • You will earn 5 reward points for every Rs.100 you spend on dining, utility bills, and other online payments.
    • On completing five transactions worth Rs.1,000 and above each month on your card, you will earn 1,000 bonus reward points.

    Bank of Baroda Assure Credit Card

    Key Highlights: The BOB Assure Credit Card is available at an annual fee of Rs.500 and you can withdraw your credit limit if you have an emergency.

    Joining Fee: NIL

    Annual Fee: Rs.500

    Features and Benefits:

    • Get a credit card without any income proof, against your Fixed Deposit
    • Cash withdrawal up to 100% of your Credit Limit in case of emergency
    • Zero fuel surcharge
    • No annual fees basis card usage

    Bank of Baroda Titanium Master Credit Card

    Key Highlights: BOB Titanium Master Credit Card is affiliated with MasterCard international and valid throughout the world.

    Joining Fee: Rs.250

    Annual Fee: Rs.500

    Features and Benefits:

    • Loyalty points: 1 on purchase of Rs.100
    • Annual fee is waived on spend of Rs.25,000 in a year and regular payments
    • Host of inbuilt offers and privileges of Master Card

    Bank of Baroda Easy Credit Card

    Key Highlights: BOB Easy Credit Card allows you to earn reward points and cashback every time you swipe your credit card.

    Joining Fee: Rs.500

    Annual Fee: Rs.500

    Features and Benefits:

    • 5 reward points for every Rs.100 spent on dining, utility bills, online spends
    • 1 reward point for every Rs.100 spent on other categories
    • 0.5% cashback on bill payment
    • Fuel Surcharge Waiver
    • Zero annual fees basis card usage

    Bank of Baroda Co-Branded Credit Card (BOBCARD Bombay Bullion)

    Key Highlights: BOB Co-Branded Credit Card is affiliated with VISA International & valid throughout the world. Exclusively designed, these cards are packed with great features and benefits.

    Joining Fee: Rs.500

    Annual Fee: Rs.1,000

    Features and Benefits:

    • Loyalty points: 1 on purchase of Rs.100
    • Annual fee is waived on spend of Rs.50,000 in a year and regular payments
    • Host of inbuilt offers and privileges of Master Card

    Bank of Baroda Elite Platinum Visa Credit Card

    Key Highlights: The BOB Elite Platinum Visa Credit Card allows you to earn reward points every time you shop.

    Joining Fee: Rs.500

    Annual Fee: Rs.1,000

    Features and Benefits:

    • Loyalty points: 1 on purchase of Rs.100
    • Annual fee is waived on spend of Rs.50,000 in a year and regular payments

    Bank of Baroda Signature Visa Credit Card

    Key Highlights: BOB Signature Visa Credit Card is affiliated with VISA international and valid throughout the world.

    Joining Fee: Rs.500

    Annual Fee: Rs.1,000

    Features and Benefits:

    • Loyalty points: 2 on purchase of Rs.100
    • Annual fee is waived on spend of Rs.2 lakh in a year and regular payments
    • Host of inbuilt offers and privileges of Visa Card

    Bank of Baroda SELECT Credit Card

    Key Highlights: BOB SELECT Credit Card allows you to earn reward points every time you swipe your credit card.

    Joining Fee: Rs.750

    Annual Fee: Rs.750

    Features and Benefits:

    • 5 reward points for every Rs.100 spent on dining, utility bills, online spends
    • 1 reward point for every Rs.100 spent on other categories
    • 1,000 bonus rewards points every month
    • Fuel Surcharge Waiver
    • Zero annual fees basis card usage

    Bank of Baroda Premier Credit Card

    Key Highlights: BOB Premier Credit Card allows you to earn reward points every time you swipe your credit card.

    Joining Fee: Rs.1,000

    Annual Fee: Rs.1,000

    Features and Benefits:

    • 5X i.e. 10 reward points for every Rs.100 spent on Travel, Dining and International spends.
    • 2 reward points for every Rs.100 spent on other categories
    • Free airport lounge, 24x7 concierge

    Bank of Baroda Paytm Credit Card

    Key Highlights: BOB Paytm Credit Card allows you to earn reward points every time you spend with your credit card on Paytm.

    Joining Fee: Rs.2,000

    Annual Fee: Rs.2,000

    Features and Benefits:

    • 12 rewards points on Paytm spend
    • 4 reward points on other spends
    • Free airport lounge, 24x7 concierge, Golf program
    • Zero fuel surcharge

    Bank of Baroda ETERNA Credit Card

    Key Highlights: BOB ETERNA Credit Card allows you to earn reward points every time you spend with your credit card.

    Joining Fee: Rs.2,499

    Annual Fee: Rs.2,499

    Features and Benefits:

    • Earn 15 reward points when you spend Rs.100 on dining expenses.
    • Get 15 reward points for every Rs.100 that you spend on online shopping.
    • You will get 10,000 bonus reward points when you spend Rs.50,000 within 60 days.

    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.

    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
    • Passport
    • Voter’s Identity Card
    • Driving License
    • UID
    • PAN Card
    Income Proof
    • Form 16
    • Income Tax Return
    • Salary slip
    Residence Proof

    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 BOB credit card application status online on the bank’s website.

    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.

    Bank of Baroda Credit Card News

    • CreditAI and BOB Financial launch credit card for farmers

      BOB Financial, which is completely owned by Bank of Baroda, and Credit Fintech Ltd. have tied up to launch a credit card for farmers. The new credit card is called Unnati Credit Card and will allow farmers to avail agricultural inputs during the cultivation cycle. Farmer Producer Organisations (FPOs) will assist farmers to know the details of the credit card and avail its benefits.

      11 March 2022

    • IRCTC and BOB Financial partner together to launch a RuPay contactless co-branded credit card

      BOB Financial a subsidiary of Bank of Baroda (BOB) and Indian Railway Catering and Tourism Corporation Ltd (IRCTC) have partnered together to launch a contactless co-branded credit card powered by RuPay.

      Those who frequently avail the services of Indian Railways to travel from one city to another can avail this credit card for booking purchases and earn benefits and rewards. The card can be used for shopping, buying fuel, etc. through which the cardholder can earn reward points.

      Cardholders can use this credit card to book railway tickets by either logging in to the IRCTC website or mobile app on which they will enjoy a 1% transaction fee waiver as well as earn 4 reward points for every Rs.100 spent during grocery shopping and 2 reward points for every Rs.100 spent in other categories.

      22 February 2022

    • Snapdeal and Bank of Baroda collaborating together to launch co-branded credit cards in India

      Bank of Baroda Financials, NPCI have partnered with e-commerce company Snapdeal to launch co-branded credit cards to encourage more customers to use credit card in a contactless manner.

      The co-branded cards which will be launched during March 2022 will help both Bank of Baroda and Snapdeal to expand their customer base and also popularise the use of credit cards during the payment process. These contactless cards will be RuPay credit cards and will come with various benefits including accumulation of reward points based on its usage and the items purchased.

      While the co-branded cards will encourage more customers to shop from Snapdeal, care will be taken to ensure that the payment process is safe and secure. Hence, the bank has decided to bring in various safety measures including the NPCI Tokenisation System (NTS).

      These co-branded cards aims to not only help Bank of Baroda and Snapdeal expand their networks and encourage the use of credit card but also looks to target people belonging to smaller towns and cities in India who prefer to do their shopping online.

      10 January 2021

    • BSFL ties-up with OneCard to launch co-branded credit card

      On Wednesday, BoB Financial Solutions Ltd (BFSL), the Bank of Baroda subsidiary, announced its collaboration with OneCard to launch co-branded mobile-first credit cards. The credit card will be managed by OneCard using VISA’s Signature platform and issued by BSFL. The card is powered by a mobile app and is made for young, tech-savvy customers. The managing director and chief executive of BFSL, Shailendra Singh, said that the company is currently investing in technology and undergoing transformation to offer world-class services to its customers.

      25 November 2021
    • Partnership between BOB and NPCI: New RuPay Credit Cards

      Bank of Baroda (BoB), BOB Financial Solutions has partnered with National Payments Corporation of India (NPCI) and are set to launch the BoB Credit Cards (Easy and Premier) on the RuPay platform. The credit cards will support international acceptance on the JCB International network. You get 5X reward points when you spend on partner merchant categories and also get a fuel surcharge waiver. You get beenfits like pre and post-purchase EMI offers.

      17 November 2021
      

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    Bank of Baroda Credit Cards Reviews

    • Bank of Baroda
      "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? 20
      , patiala
      Reviewed on Mar 20, 2020
    • Bank of Baroda
      Bank of Baroda
      "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? 6
      , tirupur
      Reviewed on Mar 20, 2020
    • Bank of Baroda
      "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? 10
      , bangalore
      Reviewed on Mar 17, 2020
    • Bank of Baroda
      "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? 6
      , vadodara
      Reviewed on Mar 17, 2020
    • Bank of Baroda
      "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? 15
      , chandigarh
      Reviewed on Mar 15, 2020
    • Bank of Baroda
      "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? 6
      , pune
      Reviewed on Mar 09, 2020
    • Bank of Baroda
      "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? 5
      , mumbai
      Reviewed on Mar 08, 2020
    • Bank of Baroda
      "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? 5
      , kolkata
      Reviewed on Mar 06, 2020
    • Bank of Baroda
      "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? 5
      , kolkata
      Reviewed on Feb 21, 2020
    • Bank of Baroda
      "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
      "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
      "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? 5
      , ahmedabad
      Reviewed on Jan 21, 2020
    • Bank of Baroda
      "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? 6
      , surat
      Reviewed on Jan 02, 2020
    • Bank of Baroda
      "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? 4
      , bangalore
      Reviewed on Dec 27, 2019
    • Bank of Baroda
      "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? 6
      , jaipur
      Reviewed on Dec 23, 2019
    • Bank of Baroda
      "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? 7
      , mumbai
      Reviewed on Nov 04, 2019
    • Bank of Baroda
      "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? 30
      , new delhi
      Reviewed on Oct 03, 2019
    • Bank of Baroda
      "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? 6
      , hyderabad
      Reviewed on Sep 14, 2019
    • Bank of Baroda
      "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? 3
      , mumbai
      Reviewed on Sep 11, 2019
    • Bank of Baroda
      "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? 8
      , thane
      Reviewed on Aug 30, 2019
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