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    Bankbazaar Bank Of Baroda Credit Cards

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  • Bank Of Baroda Credit Cards is Rated as "Great!" by 47 Users

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    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.

    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:

    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

    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.

    Bank Of Baroda Credit Cards Reviews

    • Bank of Baroda Credit Card
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      I am using Bank of Baroda credit card from last 4 years, i find this credit card is very convenient to use. They did not charge any annual fee at the time of getting this credit card. I get offers like reward points and cash back. I did not find any transaction issues and the credit limit is sufficient in this credit card.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 06, 2018
    • Bank of Baroda Credit Card
      "Unhappy with the services"
      0.5 2.5/5 "Just OK"
      The credit card service is also not too good with Bank of Baroda. They do not have any emi options. If i have any query there is no facility to sort it out on phone. I need to send an email and the response to my email would not me immediate. The delay is much.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Mar 24, 2018
    • Bank of Baroda Credit Card
      "Best service"
      0.5 5.0/5 "Blown Away!"
      I have Bank of Baroda credit card with a limit of 35,000.i get best offers for shopping online,i earn good reward points for the same.i pay my card bills through online.I have no annual fees to hold this card,the card was with me for last 2-3 years of time.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Feb 23, 2018
    • Bank of Baroda Credit Card
      "Best"
      0.5 5.0/5 "Blown Away!"
      I am having the credit card with the Bank of Baroda. I would like to say that the customer service is an excellent one for me with them and the response too. Credit limit value is good one with the Bank of Baroda , also am really happy with them
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 06, 2018
    • Bank of Baroda Credit Card
      "Good"
      0.5 3.0/5 "Satisfactory"
      I have my saving account with BANK OF BARODA for about 24 years . I hold visa international card and the daily withdrawal limit was 50,000. Here 5000 is the limit to maintain the card and I am not satisfied with their service here, My overall experience was good and I would like to recommend to others.,
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 03, 2018
    • Bank of Baroda Credit Card
      "Average card to use"
      0.5 3.0/5 "Satisfactory"
      Bank of Baroda provides average services on credit card when compared to all other credit cards. I am using this credit card from more than 1 year. They did not charge any annual fee at the time of getting this credit card. There is no offers in this credit card. I use net banking for making payments. I have a credit limit of Rs 75000 and the cash limit of Rs 7500 which is satisfactory.
      Was this review helpful? 2
      , hyderabad
      Reviewed on Dec 19, 2017
    • Bank of Baroda Credit Card
      "Less than Average"
      0.5 2.5/5 "Just OK"
      I am not happy with Bank of Baroda Service. I got a BOB platinum visa credit card for 8 months. There is no EMI facilities and no partial payment option, I can pay either minimum amount or full amount. The credit limit was average, they have offered 75K. If I use spend more than 2L then annual fee will be waived off.
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 02, 2017
    • Bank of Baroda Credit Card
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      The credit card of BANK OF BARODA is good, I had been using it from the past 8 months and the customer service is good . The bank provided me a credit limit of 30K and the cash withdraw limit of 10K . I get bonus point on using the card . I get cash back on using it for fuel . I liked the experience which I had with Bank of Baroda.
      Was this review helpful? 0
      , panipat
      Reviewed on Nov 30, 2017
    • Bank of Baroda Credit Card
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      From Past 1 year i am using the credit card of BANK OF BARODA. Customer service was good from the bank side .the gave me a credit limit of 75K and also a cash with draw option is also there . The gave me a Balance transfer option that is really great .i liked the service of Bank Of Baroda for the credit card .
      Was this review helpful? 0
      , indore
      Reviewed on Nov 30, 2017
    • Bank of Baroda Credit Card
      "Good card to use"
      0.5 3.0/5 "Satisfactory"
      Bank of Baroda provides good services on credit card when compared to all other credit cards. I am using this credit card from last 4-5 years. I pay an annual fee which has to be paid every year. I get good offers like cash back and reward points. I use this credit card for shopping and recharge, i am also satisfied with the credit limit.
      Was this review helpful? 1
      , ahmedabad
      Reviewed on Nov 25, 2017
    • Bank of Baroda Credit Card
      "Best Card that I have"
      0.5 5.0/5 "Blown Away!"
      Among the three Credit Card I have this is the best one that I have. Initially they gave me a good credit limit and the repayment option also with them is pretty easy to make. Their communication has always been very good and also a reliable one too.
      Was this review helpful? 0
      , mumbai
      Reviewed on Nov 22, 2017
    • Bank of Baroda Credit Card
      "Good service "
      0.5 4.0/5 "Great!"
      I bank with Bank of Baroda for few years.I have a credit card with them with a limit of one lakh.It has a annual fee of 1800,no spend based criteria applicable for this card.No easy EMI options available for any purchase done on the card. Overall it is a good card to use.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 27, 2017
    • Bank of Baroda Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      Bank of Baroda is not doing great on the credit card as it is a basic card with no much of offers and the bank also needs to improve on the credit limit. I use the other bank cards as well and when compared this bank could provide more features like EMI on the card.
      Was this review helpful? 0
      , lucknow
      Reviewed on Oct 12, 2017
    • Bank of Baroda Credit Card
      "Good Card to use"
      0.5 5.0/5 "Blown Away!"
      The bank of Baroda platinum visa credit card has low interest rate. I use this credit card for purchasing bill payments and hotels bills. The benefits like rewards points cash back and other online offers are available with this card. I am satisfied with the credit limit. There is no annual fee for this card.
      Was this review helpful? 0
      , madurai
      Reviewed on Aug 31, 2017
    • Bank of Baroda Credit Card
      "Good offers and services"
      0.5 5.0/5 "Blown Away!"
      Bank of Baroda has offered me a credit card as well. The services are good as I get my statements on time and it is transparent too. There are no charges and the limit is also to my expectation. There are special offers on shopping which is helpful.
      Was this review helpful? 0
      , mumbai
      Reviewed on Aug 26, 2017
    • Bank of Baroda Credit Card
      "Good credit card"
      0.5 4.0/5 "Great!"
      They have good reward scheme, for all transactions I am getting good reward points too. I could redeem the points into cash to my account. They gave me the credit limit of Rs.40,000 but I have reduced the amount to rs.20,000 I am very much fine with Bank of Baroda credit card.
      Was this review helpful? 0
      , jaysingpur
      Reviewed on Aug 08, 2017
    • Bank of Baroda Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      The manager from Bank of Baroda called me once and offered the credit card. He himself filled the form and provided the card for me and my wife. The card which they provided is a life time free card and the credit limit is quite satisfactory. And I am making prompt payment till date.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 20, 2017
    • Bank of Baroda Credit Card
      "Recommendable product"
      0.5 5.0/5 "Blown Away!"
      I had salary account with Bank of Baroda, hence I applied Bank of Baroda credit card through online, I am very much glad to use their credit card service. BOB mobile application is convenient to make credit card payment. Also I am getting very good reward points and cash backs from them.
      Was this review helpful? 1
      , vizianagaram
      Reviewed on Jun 03, 2017
    • Bank of Baroda Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      It is a average experience for credit card with Bank of Baroda. There are no options for EMI when the transactions are high. It has to be more clear and the offers are normal. The limit is good and they need an improvement in the EMI facility so it is convenient.
      Was this review helpful? 1
      , eluru
      Reviewed on May 10, 2017
    • Bank of Baroda Credit Card
      "Better Service"
      0.5 3.0/5 "Satisfactory"
      I am holding a credit card with Bank of Baroda. It is not a life time free card. Also, I do not have any reward points and cash back offers on my card. I use this card for shopping purpose but I am not getting any discounts while using this card on shopping.
      Was this review helpful? 1
      , kota
      Reviewed on Apr 07, 2017
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