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    Bank of Baroda Elite Platinum Visa Credit Card

    Card
    1st Year Fee
    Rewards
    Joining Perks
    150
    Response Time Within 30 minutes

    Bank of Baroda Elite Platinum Visa Credit Card

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN

    Overview:

    Bank of Baroda is one of the leading banks in India and it offers a wide range of banking products and services to its customers. Be it credit or debit cards, deposits, loans, etc., the bank provides it all. Among its credit cards, Bank of Baroda Elite Platinum Visa card is very popular as it has a lot of attractive features and benefits to offer. This card can be used globally and cardholders of this card earn loyalty points on the amount they spend.

    Features of Bank of Baroda Elite Platinum Visa Credit Card:

    • Validity – Bank of Baroda Elite Platinum Visa Credit Card can be used in any part of the world and it is accepted by ATMs globally
    • Loyalty Points – With a Bank of Baroda Elite Platinum Visa Credit Card, you get a loyalty point for every Rs.100 spent using it
    • Cash Withdrawal Limit – The cash withdrawal limit on this is card is 30 percent of the credit limit
    • Interest Rate – The interest rate on this card is 2.6 percent per month. The annual percentage rate is 31.2 percent
    • Insta Pay – Cardholders can pay their credit card bills online easily using the Insta Pay service provided by Bank of Baroda.

    Benefits:

    • Add on Cards – With a Bank of Baroda Elite Platinum Visa Credit Card, you can get up to 3 add- on cards for free
    • Personal Coverage – Bank of Baroda Elite Platinum Visa Credit Card has an in built personal accidental death coverage, which is provided to its cardholders for free. It provides Rs.15,00,000 coverage for air accidental death and Rs.5, 00, 000 coverage for accidental death caused by other reasons
    • VISA Bill Pay – Through the VISA Bill pay service, cardholders can safely pay all their bills online
    • Annual Fees – If cardholders pay their bills regularly and spend Rs.50, 000 in a year, their annual fees will be waived off
    • Other Benefits – Bank of Baroda Elite Platinum Visa Credit Card holders avail various other benefits such as discounts on golf, online shopping, hotels, entertainment, travel, etc.

    Eligibility Criteria:

    • Age Requirements – Individuals must be between 18 years and 65 years old in order to qualify for a Bank of Baroda Elite Platinum Visa Credit Card
    • Income Criteria – Individuals need to have an income of Rs.4, 00, 000 and more annually in order to qualify for this card
    • Individuals who have existing relations with Bank of Baroda are preferred

    Required Documents:

    • Identity Proof – Applicants of Bank of Baroda Elite Platinum Visa Credit Card have to provide an identity proof while applying –
      • Passport copy
      • Voter’s Identity Card copy
      • PAN Card copy
      • Driving License copy
      • UID copy
    • Income Proof – Applicants of this card have to provide the latest Form 16 or Income Tax Return or Salary slip (in case of PSU or Government sector employees only)
      • Proof of Residence – The applicants have to provide residence proof while applying for the card. They can submit any among the following documents –
        • Passport Copy
        • Electricity Bill
        • Fixed Line Bill
        • UID
        • Bank passbook of PSU Bank
    • PAN Card copy
    • Bank Statement of the last 3 months
    • Colour photographs

    The above documents have to be self- attested by the applicants and verified from the nearest branch of the bank or the nearest Bobcards Area office.

    Fees and Charges:

    Type

    Amount

    Joining Fee

    Rs.500

    Annual Fees for Principal Card

    Rs.1000

    Annual Fees for Add on Card

    Nil

    Revolving Credit Limit

    Rs.75000

    Limit on Cash Withdrawal

    30 % of Credit Limit

    Charges for Cheque Return

    Minimum Rs.300 or 2 percent (whichever has the higher value)

    Charges for Late Payment

    Up to Rs.500 – No charge,

    Rs.501 to Rs.25,000 – Rs.300,

    More than Rs.25,001 – Rs.500

    Charges for Cash Withdrawal in Domestic ATMs

    Rs.200 (2.5 percent)

    Charges for Cash Withdrawal in international ATMs

    Rs.250 (3 percent)

    BOB Elite Platinum Visa Credit Card FAQs:

    • Can I check the status of my card application online?

      Yes, you can check the status of your card application online.

    • Does the Bank of Baroda Elite Platinum Visa Credit Card come with a chip?

      Yes, the Bank of Baroda Elite Platinum Visa Credit Card comes with a chip and the non- chip type is also available.

    • What is the service charge on the outstanding balance?

      The service charge is 2.6 percent per month on the outstanding balance.

    • What is the charge for de-blocking a card?

      The charge for de-blocking a card is Rs.300.

    • What payment options are available to a Bank of Baroda Elite Platinum Visa Credit Card?

      The payment options available to a Bank of Baroda Elite Platinum Visa Credit Card are –

      • By Cash
      • By Cheque
      • Online payment
      • By Bill Desk
      • NEFT
      • RTGS
      • Auto Debit
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