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    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 BOB Select Credit and the process to apply for it, 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: 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

    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 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.

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