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  • Bank of Baroda Titanium Master Credit Card

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    Bank of Baroda is famous all over for the benefits they offer to their customers. Among the wide range of products and services offered by the bank globally, Bank of Baroda credit cards are considered as one of the best because they have a lot of rewards for their cardholders. Bank of Baroda Titanium MasterCard Credit Card is one such card that has attractive features and is accepted everywhere around the world.

    Features of Bank of Baroda Titanium MasterCard:

    • Validity – The Bank of Baroda Titanium MasterCard Credit Card can be used at an international level
    • Interest Rate – This interest rate on Bank of Baroda Titanium MasterCard Credit Card is 2.5% per month (APR – 30 %)
    • Loyalty Points – On every Rs.100 spent by the cardholder, the bank rewards them with 1 Loyalty Point
    • Cash Withdrawal Limit – For this card, the cash withdrawal limit is 30 percent of the credit limit
    • Insta Pay – Credit cardholders of Bank of Baroda can pay their bills online using the Insta Pay service.

    Benefits:

    • Add on Cards – With Bank of Baroda Titanium MasterCard Credit Card, the bank offers 3 add on cards for free
    • Annual Fees – When a cardholder spends Rs.25, 000 yearly using the card and pays all his or her credit card bills regularly, the bank waives off their annual fees.
    • Personal Coverage – Cardholders of Bank of Baroda Titanium MasterCard Credit Card avail free Personal Accidental Death Coverage from the bank. Here, the bank provides Rs.5,00,000 as Air Accidental Death coverage and Rs.1, 00, 000 as Other Accidental Death coverage
    • Exclusive Offers - Bank of Baroda provides exclusive offers to its credit cardholders such as 0% surcharge on fuel, discounts on domestic and international hotel bookings, air tickets, holidays, etc.
    • Other Benefits – Cardholders can enjoy all the offers and privileges by MasterCard

    Eligibility Criteria:

    • Income Criteria – To avail a Bank of Baroda Titanium MasterCard Credit Card, individuals must earn Rs.2, 00, 000 and above annually
    • Age Requirements -People who are between 18 years and 65 years are eligible to apply for a Bank of Baroda Titanium MasterCard Credit Card
    • The bank gives preference to applicants who have existing banking relations with them

    Required Documents:

    • Identity Proof – One of the following documents must be submitted by the applicants as identity proof -
      • PAN Card
      • Voter’s Identity Card
      • Passport
      • Driving License
      • UID
    • Residence Proof – One of the following documents must be submitted by the applicants as residence proof –
      • UID
      • Passbook of PSU Bank
      • Passport
      • Fixed Line Bill
      • Electricity Bill
    • Income Proof – One of the following documents must be submitted by the applicants as income proof –
      • Form 16
      • Income Tax Return
      • Salary Slip
    • Copy of the PAN Card
    • Bank Statement for the latest 3 months
    • Colour photographs

    Fees and Charges:

    Type Amount
    Annual Fees for the Principal Card Rs.500
    Annual Fees for the Add on Card Nil
    Revolving Credit Limit Rs.40, 000
    Cash Withdrawal Limit 30 % of the credit limit
    Late Payment

    Up to Rs.500 – No charge,,

    Rs.501 - Rs.25000 – Rs.300,

    Above Rs.25,001 – Rs.500

    Cash Withdrawal from ATMs Abroad Rs.250 (3 percent)
    Cash Withdrawal from ATMs Domestic Rs.200 (2.5 percent)
    Fees for De-blocking Rs.300
    Cheque Return Rs.300 minimum or 2 percent (the one with the higher value)

    BOB Titanium MasterCard Credit Card FAQs:

    • Does the Bank of Baroda Titanium MasterCard Credit Card have a chip?

      Yes, the Bank of Baroda Titanium MasterCard Credit Card has a chip.

    • Is there a charge on the outstanding balance?

      Yes, Bank of Baroda has a service charge of 2.50% per month on the outstanding balance.

    • Can I withdraw cash using the Bank of Baroda Titanium MasterCard Credit Card in ATMs abroad?

      Yes, you can withdraw cash using the Bank of Baroda Titanium MasterCard Credit Card in ATMs abroad.

    • Does the Bank of Baroda Titanium MasterCard Credit Card provide an insurance coverage?

      Yes, the Bank of Baroda Titanium MasterCard Credit Card provides an insurance coverage to the cardholders.

    • How can I pay my credit card bills?

      You can pay your credit card bills in one of the following ways -

      • By Cheque
      • By Cash
      • By Bill Desk
      • Auto Debit
      • NEFT
      • Online payment
      • RTGS

      Other Top Credit Cards by Bank of Baroda:

      

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