Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • Bank of Baroda Select Credit Card

    Bank of Baroda Select Credit Card provides select privileges on online shopping, dining spends, utility bill payments, fuel purchases, and others. By providing bonus rewards every month, the Select Credit Card provides better value for all the purchases made using the card.

    The card is free for lifetime for those who spend Rs.70,000 every year using it. Free insurance cover and zero liability on lost card are two other interesting features offered on the card. To know more about the benefits offered by Bank of Baroda Credit Cards and other BOB Cards continue reading.

    Features And Benefits Of Bank Of Baroda Select Credit Card

    • Reward points programme:
      • Get 1 reward point on every Rs.100 spent on all categories and 5X more rewards on online shopping, dining and utility bill payments.
      • Up to 1,000 bonus reward points on conducting 5 transactions above Rs.1,000 on the card.
      • Redeem reward points either for cashback or for other exciting gifts and vouchers.
    • Annual fee waiver: Enjoy annual fee waiver by spending Rs.7,500 in the first 60 days of availing the credit card and Rs.70,000 in a year.
    • Fuel surcharge waiver: Zero fuel surcharge on all fuel transactions made at any petrol station across India. Surcharge waiver applicable from a minimum transaction value of Rs.400 up to a maximum amount of Rs.5,000.
    • Convert purchases into EMIs: Credit 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. Add-on cards can be availed by the spouse, parents, sibling and kids above 18 years of age.
    • Free insurance cover: The Select Credit Card comes with an inbuilt personal accidental death insurance cover to provide financial protection for the cardholder and his/her family. The insurance is offered for free.
    • Zero liability on lost card: Report the loss of BOB Select Credit Card within 24 hours and remain 0% liable for any fraudulent transaction that takes places after that.
    • Other features: This 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 Select Credit Card

    Fee Type Amount
    First-year fee Rs.750
    Annual fee Rs.750
    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 Select Credit Card

    • For private employees, 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 Select Credit Card

    • For salaried
      • A personal account with BOB
      • Latest Form 16 or ITR copy
    • For self-employed
      • Last three years’ audited balance sheet
      • Profit and loss account
    • All the applicants should submit a photograph, a copy of identity proof and address proof

    How to Apply for Bank of Baroda Select Credit Card

    • To apply for BOB Select 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 Select Credit Card application is available in 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 Select Credit Card from your registered number in the format mentioned below.

      'Apply <your city>' to 9223990624

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

    Bank of Baroda Select Credit Card FAQs

    1. How to get my BOB Select Credit Card registered on BOB Financial?

      You can get your BOB Select Credit Card registered by visiting the BOB Financial website where on the top right-hand side of the page you will find the option ‘Register Your Card’ under which you will have to click on ‘Sign Up’. You will be directed to a new page where you will have to provide the details of your card - card number, date of birth, and the expiry date. Complete the security check, and click on ‘Continue’. Follow the instructions and you will be able to successfully register your credit card.

    2. What is the mode of payment of BOB Select Credit Card?

      You can pay your credit card bill via debit card, UPI, or Bank of Baroda net banking. You can also pay your credit card offline via cheque, demand draft, or simply through cash. You can also set a standing instruction where the outstanding amount will be deducted from your account on the due date.

    3. What should I do if I lose my credit card?

      In the event of you losing your credit card, you must contact the Bank of Baroda credit card customer care executive and get your card blocked. You may also have to file an FIR and provide a copy of it to the bank. Once you have your card blocked, the lender will issue you a duplicate card.

    4. What should I do if I find my lost credit card?

      If you find your lost credit card, you must not use it provided you have gotten it blocked. Destroy your credit card immediately by cutting it across the magnetic strip.

    5. Will my credit score be affected if I fail to pay my credit card bill on time?

      Yes, your credit score will be impacted negatively if you fail to pay your credit card bill on time. Hence, make sure to clear your bill on a timely basis so that your credit score can improve.


    Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

    This Page is BLOCKED as it is using Iframes.