Bank of Baroda Unnati Credit Card

Bank of Baroda (BoB) Financial has collaborated with CreditAI to introduce the Unnati credit card. This lifetime-free card has been designed specifically for farmers in India. It comes with a low-interest rate and good reward points that enable farmers to use its credit facilities with minimal extra fees. While the Unnati credit card does not allow customers to make cash withdrawals, fuel or international transactions, it meets the needs of farmers. Read on to learn about the Unnati credit card including its features, benefits, and more.

Features and Benefits of Bank of Baroda Unnati Credit Card

The Unnati credit card comes with the following features and benefits:

  1. Get 1 reward point on every Rs.100 you spend using the credit card. You can avail a maximum of 800 reward points per statement cycle.
  2. Avail a low-interest rate of 1.5% per month.
  3. Convert your purchases of more than Rs.2,500 into EMIs and repay them in 6/36 months.
  4. Enjoy interest-free credit for up to 50 days from the purchase date.

Eligibility Criteria for Bank of Baroda Unnati Credit Card

The following are the eligibility criteria that must be met for the Bank of Baroda Unnati credit card:

  1. You should be a resident of India.
  2. You should be a farmer.
  3. You should be at least 18 years old.

Documents Required for Bank of Baroda Unnati Credit Card

If you want to apply for the Bank of Baroda Unnati credit card, you need the following documents:

  1. Proof of income: Most recent audited income tax returns, salary slips, bank statements
  2. Proof of address: Aadhaar card, PAN card, utility bills, etc.
  3. Proof of identity: Passport, Aadhaar card, PAN card, etc.

Process to Apply for Bank of Baroda Unnati Credit Card

You can apply for the Bank of Baroda Unnati credit card both online and offline. If you opt for an online application, you need to go to BoB Financial's official website. Navigate to the 'BoB Unnati Credit Card' and then click the 'Apply Now' button. Fill in all of the requested details in the form and submit it. You can also visit the nearest BoB Financial branch to submit an application for the Unnati credit card.

Ensure that you carry all the required documents and enter the requested details accurately in the application form. Upon approval, you will receive a notification and the credit card will be mailed to your registered address.

FAQs on BOB Unnati Credit Card

  • Can I apply for the Unnati credit card online?

    Yes, you can apply for the Unnati credit card online as well as offline.

  • Who can apply for the Unnati credit card?

    All farmers in the country are eligible to apply for the Unnati credit card.

  • Is the Unnati credit card lifetime free?

    Yes, the Unnati credit card is lifetime free.

  • Will I get a fuel surcharge waiver on the Unnati credit card?

    No, the Unnati credit card does not offer any fuel surcharge waiver.

  • What is the reward point benefit available on the Unnati credit card?

    You get 1 reward point on every Rs.100 you spend using the Unnati credit card.

  • Does the Unnati credit card provide interest-free credit?

    Yes, the Unnati credit card offers interest-free credit for up to 50 days from the purchase date.

  • What is the interest rate offered on the Unnati credit card?

    An interest rate of 1.5% per month is offered on the Unnati credit card.

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