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  • Bank of Baroda Premier Credit Card

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  • Bank of Baroda Premier Credit Card provides accelerated reward points on purchases made through Premier mobile app or website.

    The card also offers other interesting features and benefits including zero fuel surcharge on fuel spends, complimentary insurance cover, zero liability on the lost card, free airport lounge visits, and lot more. Continue reading to know more about the benefits offered by BOB Premier Credit and the process to apply for it online.

    Features And Benefits Of Bank Of Baroda Premier Credit Card

    • Reward points programme:
      • Earn 1 reward point on every Rs.100 spent on all categories.
      • 5X more rewards on travel, dining, and international spends.
      • Redeem reward points for cashback or other exciting gifts and vouchers.
    • Exclusive premier privileges: Free access to more than 35 airport lounges located across 22 Indian cities and 24x7 concierge assistance for cardholders.
    • Annual fee waiver: Spend Rs.10,000 in the first 60 days of availing the credit card and Rs.1.2 lakh in a year to avail annual fee reversal.
    • Easy EMI: Any card purchases above Rs.2,500 can be converted into easy monthly instalments (EMIs) and can be repaid in 6 or 12-month tenure.
    • Lifetime-free add-on cards: Cardholders can avail up to three add-on credit cards which carry the same benefits as the primary card. The add-on cards are offered free for lifetime. Add-on cards can be availed by the spouse, parents, sibling and kids above 18 years of age.
    • Complimentary insurance cover: The BOB Premier Credit Card provides a personal accidental death insurance cover to financially protect the cardholder and his/her family. The insurance is offered for free.
    • Zero liability on lost card: Report the loss of BOB Premier 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.

    Fees And Charges Associated With Bank Of Baroda Premier Credit Card

    Fee Type Amount
    First-year fee Rs.1,000
    Annual fee Rs.1,000
    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 If the outstanding is
    • < Rs.200 – NIL
    • 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 Premier 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 Premier Credit Card

    • For salaried
      • A personal account with BOB
      • Latest Form 16 or ITR copy
      • Address proof copy
      • Identity card copy, and,
      • A photograph
    • For self-employed
      • Last three years’ audited balance sheet
      • Profit and loss account
      • Address proof copy
      • Identity card copy and
      • A photograph

    Apply For Bank Of Baroda Premier Credit Card

    To apply for BOB Premier 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 Premier Credit Card application is available on the webpage

    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 Premier Credit Card from your registered number in the format mentioned below.

    'Apply<your city>' to 9223990624

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


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