Bank of Baroda Swavlamban Credit Card

With the Bank of Baroda Swavlamban Credit Card, you can earn reward points every time you swipe the card. The Bank of Baroda Swavlamban Credit Card comes at an annual fee of Rs.250. The annual fee will be waived off if you meet the milestone spends requirements.

Key Highlights of the Bank of Baroda Swavlamban Credit Card

These are the key highlights of the credit card:

• Get 4 reward points for every Rs.100 you spend on the credit card.
• You get free personal accidental death cover.
• Get a 1% fuel surcharge waiver when you buy fuel at any fuel station in India.
• You can use up to 105% of the card's credit limit with no overlimit charge.

Features and Benefits of the Bank of Baroda Swavlamban Credit Card

The features and benefits of the Bank of Baroda Swavlamban Credit Card are listed below:

Reward points benefits:

• Earn 4 reward points every time you spend Rs.100 on the Bank of Baroda Swavlamban Credit Card.

Milestone benefits:

• When you spend Rs.2,500 within 60 days of the credit card being set up, the first-year fee of Rs.250 will be reversed.
• The annual fee will be waived off if you spend Rs.12,000 in one year.

Add-on card benefits:

• You get up to 3 add-on credit cards.
• You can apply for add-on credit cards for your parents, siblings, spouse, and/or children (18 years or above).

Fuel benefits:

• Get a 1% waiver on the fuel surcharge when you purchase fuel using the Bank of Baroda Swavlamban Credit Card at any fuel station in the country.*
• You can get a maximum waiver of Rs.250 per statement cycle.

*To avail the fuel surcharge waiver benefit, the transaction amount should range between Rs.400 and Rs.5,000.

Insurance benefits:

• You get free personal accidental death cover with the Bank of Baroda Swavlamban Credit Card

Credit limit benefit:

• You are allowed to use up to 105% of the credit limit of your Bank of Baroda Swavlamban Credit Card.
• No overlimit charges are applicable.

Equated Monthly Instalment (EMI) benefits:

• All purchases over Rs.2,500, made with the Bank of Baroda Swavlamban Credit Card can be converted into EMIs of 6 or 36 months.

Loss of card:

If you report the loss of your credit card immediately to the bank, you incur zero liability if the card has been used to make fraudulent transactions.

Fees and Charges of the Bank of Baroda Swavlamban Credit Card

The below table summarises the fees and charges of the Bank of Baroda Swavlamban Credit Card:

FAQs on Bank of Baroda Swavlamban Credit Card

1. What is the maximum number of reward points I can earn?

   You can earn a maximum of 800 reward points during a statement cycle.

2. Do I earn reward points on my fuel transactions?

   No, you do not earn reward points on fuel transactions.

3. When the annual fee is reversed, will the GST amount also be reversed?

   Please note that the GST amount will not be reversed when the bank reverses your annual fee.

4. What is the interest-free period of the Bank of Baroda Swavlamban Credit Card?

   The interest-free period is 50 days.

5. When will the annual fee reversal reflect in my credit card bill?

   The annual fee reversal will reflect in your 4th credit card bill statement (from the month the card has been issued to you). The fee will be reversed only if you have paid all dues on the card.