Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • BOB Credit Card Statement

    Headquartered in Vadodara, Bank of Baroda (BoB) is one of the most popular Indian banks. The bank offers a wide range of credit cards that are exclusively designed to meet the needs of their cardholders.

    To help their credit cardholders track their expenses better, the bank sends out credit card statements every month. Cardholders can choose to get the statement online via e-mail or request for the copy to be sent via post to their registered mailing address. The credit card statements sent by the bank is comprehensive and contains all important credit-related information which will help the cardholder understand their spending habits better.

    How to Understand Your Bank of Baroda Credit Card Statement

    Credit card statement period On the top of your credit card statement, you will be able to see the statement period. A statement period is very important as it indicates the interest-free days on your credit card. Usually, when you use your credit card, you will not be charged interest if you repay the entire due amount within a certain period of time. A statement period will help you calculate the interest-free days within which you can make the payment and pay nothing additional.
    Due date Again, on the top corner of your credit card statement, you will be able to see the due date. This is the date by which you will have to pay either the total due amount or the minimum due amount. If there is a delay in making payments, late fees may be charged and your credit score will be affected negatively.
    The total due amount and minimum due amount On the top corner of your credit card statement, you will be able to see the total due amount and the minimum due amount. The total due amount is the total outstanding amount that is due on your credit card. However, the minimum due amount is the minimum amount you will be required to pay to avoid late fees, deactivation of your card, and negative credit score reporting.
    Charges This section of the credit card statement lists the total charges that have been levied on your card. It is recommended to be attentive when reading this section of your statement as it will help you verify the legitimacy of the transactions that are listed on your card.
    Debit and credit transactions In your credit card statement, you will be able to see all the debit and credit transactions of your card. The debit transactions indicate the payments you made using your credit card and the credit transactions indicates the refunds you received. If you are waiting for a refund, you will be able to check is it was successfully processed in this section. However, refunds usually take time to process. If it is not listed in your current credit card statement, it may appear in your next statement.

    How to Check Bank of Baroda Credit Card Statement

    Features and Benefits of Bank of Baroda Bank Credit Card Statement

    • Your credit card statement will help you understand how credit card companies calculate fees and charges on your card. Most cardholders do not understand how interest is charged on the card and end up paying way more than what they borrowed.
    • Bank of Baroda sends credit card statement every month to their cardholders for free. You do not have to pay to avail this service.
    • You can download your Bank of Baroda credit card statements online instantly and save time. You can also save it on your laptop or phone for future reference.
    • A credit card statement will help you organise your expenses and trim it if required. For example, if your credit card statement indicates that you are using your card frequently to pay dining expenses, you can budget your food bills for the upcoming month and start saving up.
    • It reminds you of your due date and helps you be a prompt payer.

    How to Manage Errors in a Credit Card Statement

    • You can talk to the merchant and inform them about the discrepancy that has been spotted in the statement. The merchant might rectify the mistake. That way, you will not need to involve the credit card issuing bank. In case this doesn't happen, the cardholder can take their complaint to the bank.
    • To support your claim against the erroneous transaction, the cardholder will need to keep a record of the credit card statement, receipts, and anything else that can help you prove that the transaction mentioned is incorrect.
    • Within 2 months of receiving the bill, you can send a letter outlining their objection and copies of their proof in an envelope addressed to their creditor's department for billing-related inquiries.

    FAQs on Bank of Baroda Credit Card Statement

    1. Am I allowed to transfer funds to a beneficiary’s credit card?

      No, you cannot transfer funds to another credit card.

    2. Should I register separately to manage my Bank of Barda credit card online?

      Yes, if you have already registered for wallet facility with your customer ID, you do not have to register separately.

    3. How can I pay my Bank of Baroda credit card bill?

      If you are an existing Bank of Baroda account holder, you can log into the netbanking account and make your credit card payment. You can also transfer funds via National Electronic Funds Transfer (NEFT).

    4. Can I pay a non-Bank of Baroda credit card using my BoB credit card?

      Unfortunately, you cannot pay another credit card using your Bank of Baroda credit card. However, a balance transfer option may be available depending on the type of card you own.

    5. How do I get in touch with Bank of Baroda credit cards customer service department?

      For credit card issuance-related queries, please call the Bank of Baroda credit card customer care toll-free number 1800 223 224. To block your credit card or for general enquiries, please dial 1800 225 100. Alternatively, you can write an e-mail to


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