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.
|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
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 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 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.
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.
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.
In the event of you losing your credit card, you must contact the Bank of Baroda 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.
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.
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.
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