Can I apply for this credit card offline?

Yes, you can visit the nearest Bank of Baroda branch along with all the necessary documents and submit it along with the application form.

I lost my Bank of Baroda Paytm credit card? What should I do?

In the event of you losing your card, you must immediately contact the bank's customer service and inform them of the loss of your card and request for your card to be blocked. You may have to file an FIR and send a copy of it for the bank to send you a replacement card.

I found my lost card? Can I use it?

In case you lost your card and got it blocked only to find it later, do not use card. Instead, destroy the card completely to ensure no further misuse is possible.

How much should my credit score be in order to apply for this credit card?

You must maintain a minimum credit score of 750 in order to be eligible for applying for this credit card.

My BOB Paytm credit card application got rejected? What can be the reasons?

The reasons why your credit card application may have been rejected can be due to you not submitting correct documents, or the details mentioned on your application form not matching the ones on your documents. If your credit score is low, then your credit card application may get rejected. The other possible reason can be you not meeting the eligibility criteria.

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Bank of Baroda Paytm Credit Card

Bank of Baroda Paytm Credit Card provides accelerated reward points on purchases made through Paytm mobile app or website. The credit card also offers other interesting features and benefits including zero fuel surcharge on fuel spends, complimentary insurance cover, zero liability on lost card, free airport lounge visits, and lot more. Continue reading to know more about the benefits offered by BOB Paytm Credit and the process to apply for it online.

Features and Benefits of Bank of Baroda Paytm Credit Card

Reward points programme:
1. Earn 4 reward points on every Rs.100 spent on all categories
2. 12X more rewards on Paytm spends
3. Redeem reward points for cashback or other exciting gifts and vouchers.
Fuel surcharge waiver: Zero surcharge on all fuel transactions conducted at any petrol station across India. Surcharge waiver applicable for a minimum transaction value of Rs.400 up to a maximum amount of Rs.5,000.
Convert purchases into EMIs: Card purchases above Rs.2,500 can be converted into easy monthly instalments (EMIs). Available repayment tenures include 6 or 12 months.
Free add-on cards: Up to three lifetime free add-on credit cards for family members of the primary cardholder. Immediate relations of the primary cardholder including spouse, parents, siblings, and kids above 18 years of age can apply for the card.
Free insurance cover: The Paytm Credit Card offers free personal accidental death insurance cover that provides financial protection for the cardholder and his/her family.
Zero liability on lost card: Report the loss of BOB Paytm Credit Card within 24 hours and remain 0% liable for any fraudulent transaction that takes places after that.
Other features: The credit card provides an interest-free period of up to 50 days. Revolving credit facility available on payment of the minimum amount due.
Exclusive benefits: BOB Paytm cardholders will also get complimentary access to airport lounges, 24x7 concierge assistance and a free subscription to golf programme.

Bank of Baroda Paytm Credit Card Fees and Charges

Fee Type	Amount
First-year fee	Rs.2,000
Annual fee	Rs.2,000
Cash withdrawal fee (Domestic ATMs)	2.5% of the transaction amount subject to a minimum of Rs.300
Cash withdrawal fee (International ATMs)	3.0% of the transaction amount subject to a minimum of Rs.300
Finance charges or interest	3.25% per month or 39% per annum
Duplicate bill fee	Rs.25 per request
Cheque return charges	2% of the cheque amount or Rs.300 whichever is higher
Over limit charges	1% if the usage exceeds the sanctioned credit limit per month
Card replacement charges	Rs.100 per request
Foreign currency transaction fee	3.5% of the transaction amount
Charge slip retrieval charges	Rs.250 per slip
Card de-blocking charges	Rs.300 per instance
Late payment charges	Rs.201 to Rs.500 - Rs.100 Rs.501 to Rs.1,000 - Rs.400 Rs.1,001 to Rs.10,000 - Rs.500 More than 10,001 - Rs.750

Eligibility to Apply for BOB Paytm Credit Card

For salaried, gross income should be Rs.3 lakh or above per year
For companies and private firms, paid-up capital should be Rs.25 lakh or above

Documents Required to Apply for BOB Paytm Credit Card

For salaried
1. A personal account with BOB
2. Latest Form 16 or ITR copy
3. Address proof copy
4. Identity card copy and
5. A photograph
For self-employed
1. Last three years' audited balance sheet
2. Profit and loss account
3. Address proof copy
4. Identity card copy and
5. Photograph

How to Apply for Bank of Baroda Paytm Credit Card

To apply for BOB Paytm Credit Card, customers need to download the application form from the BOB official website, fill in the required details, attach the supporting documents and submit it at the nearest BOB bank branch office.

BOB Paytm Credit Card application is available on the webpage https://www.bobfinancial.com/documents/Application%20form_Final.pdf.

Fill all the details accurately, sign in the appropriate boxes, paste a recent photograph, attach the required documents and submit it at any of your nearest BOB bank branch offices.

Alternatively, you can also send an SMS to apply for BOB Paytm Credit Card from your registered number in the format mentioned below.

'Apply ' to 9223990624

The bank will call you and take you through the application process.

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FAQs on Bank of Baroda Paytm Credit Card

Can I apply for this credit card offline?
Yes, you can visit the nearest Bank of Baroda branch along with all the necessary documents and submit it along with the application form.
I lost my Bank of Baroda Paytm credit card? What should I do?
In the event of you losing your card, you must immediately contact the bank's customer service and inform them of the loss of your card and request for your card to be blocked. You may have to file an FIR and send a copy of it for the bank to send you a replacement card.
I found my lost card? Can I use it?
In case you lost your card and got it blocked only to find it later, do not use card. Instead, destroy the card completely to ensure no further misuse is possible.
How much should my credit score be in order to apply for this credit card?
You must maintain a minimum credit score of 750 in order to be eligible for applying for this credit card.
My BOB Paytm credit card application got rejected? What can be the reasons?
The reasons why your credit card application may have been rejected can be due to you not submitting correct documents, or the details mentioned on your application form not matching the ones on your documents. If your credit score is low, then your credit card application may get rejected. The other possible reason can be you not meeting the eligibility criteria.

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