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  • Bank Of Baroda Credit Cards

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  • 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
      "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? 1
      , new delhi
      Reviewed on Oct 03, 2019
    • Bank of Baroda
      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? 1
      , 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
    • Bank of Baroda Credit Card
      "Good Card"
      0.5 4.0/5 "Great!"
      Bank of Baroda is a nice card and i didn't expect that the Government bank is providing a good customer care service. I'm keep getting the messages but i have not used. Bank called me since i have a account with them hence i like to go with them. There was an annual fee but it was subjected to pay for the first year and there was a criteria which i have to be used hence i won't get the second year annual fee.
      Was this review helpful? 2
      , chandigarh
      Reviewed on Aug 17, 2019
    • Bank of Baroda Credit Card
      "Need to enhance the credit limit"
      0.5 5.0/5 "Blown Away!"
      I have Bank Of Baroda credit card which was taken directly to them .I am using this credit card for the past 7 months and it is an annual fee chargeable card. The credit limit was not good and as per my requirement I have not receive the limit for this card.
      Was this review helpful? 1
      , lucknow
      Reviewed on Aug 12, 2019
    • Bank of Baroda Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have Bank Of Baroda credit card which was taken through Bank directly .I am using this credit card for the pat 1 year and it is a free card ,The credit limit was good and while submitting documents there was no issues ,I am really satisfied with the service .This card is good to use and customer service was good as well.
      Was this review helpful? 3
      , ahmedabad
      Reviewed on Aug 03, 2019
    • Bank of Baroda Credit Card
      "CONVENIENT PORTAL TO USE"
      0.5 4.0/5 "Great!"
      It is the salary account that i am using from last 6 years and above. There are no charges applicable with the banking services. The online banking is good also it is safe and secure to use. The customer support is good added on that the overall service is good.
      Was this review helpful? 2
      , pune
      Reviewed on Jul 29, 2019
    • Bank of Baroda Credit Card
      "Easy to use the card"
      0.5 5.0/5 "Blown Away!"
      I bank with Bank of Baroda for the credit card. The customer services and response is good. They have given me a good credit limit. The statements are clear and it is sent to me on time. There are good offers. There are no hassles while using the card.
      Was this review helpful? 0
      , faridabad
      Reviewed on Jul 25, 2019
    • Bank of Baroda Credit Card
      "Need to use the card a lot"
      0.5 4.0/5 "Great!"
      I have got a credit card from Bank of Baroda. They have provided me a lots of offers but i'm not getting a chance to use it. They provide good insurance to you. After i took the loan, they have called me and provided me a free card with a good limit. I'm not tried their customer care service even though i hold for 8 months
      Was this review helpful? 2
      , bangalore
      Reviewed on Jul 20, 2019
    • Bank of Baroda Credit Card
      "Need to use the card a lot"
      0.5 4.0/5 "Great!"
      I have got a credit card from Bank of Baroda. They have provided me a lots of offers but I'm not getting a chance to use it. They provide good insurance to you. After i took the loan, they have called me and provided me a free card with a good limit. I'm not tried their customer care service even though i hold for 8 months
      Was this review helpful? 1
      , bangalore
      Reviewed on Jul 20, 2019
    • Bank of Baroda Credit Card
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      There are no issues with the credit card that i am using with the BANK OF BARODA since from last few years. The card gas the good credit limit added on that it is a payable card for yearly once. The card is user friendly to use, overall service is good.
      Was this review helpful? 2
      , hyderabad
      Reviewed on Jul 17, 2019
    • Bank of Baroda Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have been using Bank of Baroda credit card but now i have closed my card because i was holding other 2 credit cards. They have provided with great valuable offers which was much more satisfy to me with the card and also it is life time free card.
      Was this review helpful? 0
      , chandigarh
      Reviewed on Jul 11, 2019
    • Bank of Baroda Credit Card
      "Best card forever"
      0.5 4.0/5 "Great!"
      I am a staff of Bank OF India, they give good support to the customers but they are charging for the yearly fee around Rs. 200 per annum. I get loyalty points on hotels, restaurant and also I am getting the reward points for my spends. I am using this card for last 20 years.
      Was this review helpful? 0
      , pune
      Reviewed on Jul 09, 2019
    • Bank of Baroda Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I have been holding my credit card with Bank of baroda from past six months almost, they have given me this card as i hold their account from long time, they have not charged me annual fee as it is life time free credit card, but i am not happy with the credit limit they have charged me up to 25,000 which was less, the interest rate charges are high.
      Was this review helpful? 1
      , pune
      Reviewed on Jul 09, 2019
    • Bank of Baroda Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have been holding my credit card with Bank of baroda from long time, on based of my savings account i got credit card, they have charged me not annual fee as it is life time free credit card, the credit limit which they have given to me was good, they use to give me good offers.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jul 08, 2019
    • Bank of Baroda Credit Card
      "Average card"
      0.5 3.0/5 "Satisfactory"
      I have been holding bank of baroda credit card from long time, they have given me card on bases on the debit card as i am the existing customer of this bank from long time, they have given me life time free credit card, the credit limit they have charged me was okay they have given me up to 25,000 . They use to give 15% discount every months on snapdeal and groffer.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jul 07, 2019
    • Bank of Baroda Credit Card
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      There are 2 free movie tickets offers are there in the card also there is a discounts on movie tickets also available. The card has the sufficient credit limit and also it is a payable card but there is a waver off option is there. It is a good card to use.
      Was this review helpful? 1
      , new delhi
      Reviewed on Jun 29, 2019
    • Bank of Baroda Credit Card
      "GOOD"
      0.5 4.0/5 "Great!"
      The card is good to use also they have offers but they have are not providing with the no cost EMI. The card has good rewards points and can be redeemed into cash where one point is 25paisa. The credit limit given was lesser, it is a life time free card.
      Was this review helpful? 0
      , kanpur
      Reviewed on Jun 29, 2019
    • Bank of Baroda Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      Bank of Baroda has offered me a good credit limit and the customer support is good too. I received the credit card on time and there are good deals of cash back and rewards. There are no charges for the card annually. The billing is on time and clear too.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Jun 18, 2019
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