Bank of Baroda is one of the most trusted and leading names in non-banking financial companies. They serve their customers from the year 1994 and their primary businesses are credit cards and merchant acquiring.
Bank of Baroda credit card is not just a simple plastic credit card but also your constant companion, and you can go cashless anywhere regardless of your bank statement. It offers a lifestyle to its cardholders to which they always aspire. With exciting exclusive privileges, it provides good reward points and other elating offers.
So Bank of Baroda credit card not only empower you with instant credit, but it’s also adding saving too. So to know all the details about the Bank of Baroda credit card, check out the following.
Types of Bank of Baroda Credit cards
There is a total of 7 types of Bank of Baroda Credit Cards available, let’s check out all these 7 kinds of Bank of Baroda Credit Card names.
- Bank of Baroda Easy Credit Card
- Bank of Baroda Select Credit Card
- Bank of Baroda Premier Credit Card
- Bank of Baroda Prime Credit Card
- Bank of Baroda ICAI Credit Card
- Bank of Baroda Swaviamban Credit Card
- Bank of Baroda ETERNA Credit Card
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Eligibility for Bank of Baroda Credit Card
To apply for the Bank of Baroda credit card, there are some criteria you need to check, so you get an idea if you are eligible for the credit card or not. Here is the list of criteria to be eligible for Bank of Baroda credit card;
- Your age must be in between 18-60 years to apply for Bank of Baroda credit card.
- Below the age of 18 years are not eligible for a Bank of Baroda credit card.
- If you want a Bank of Baroda corporate credit card, then your annual income needs to be more than Rs. 25 lakh.
- Bank of Baroda credit cards are only issued to salaried and self-employed individuals.
- To apply for a Bank of Baroda credit card, your annual income needs to be more than Rs. 3 lakh annually.
- For self-employed individuals, they need to provide their income proof or IT returns.
- In case you are an existing customer of Bank of Baroda, then you got a privilege in this section.
- For companies who wants to apply for this credit card, they need to maintain their NET worth minimum Rs. 50 lakh.
Documents for Bank of Baroda Credit Card
To get the Bank of Baroda credit card there are the photocopies of the following documents you need to submit, check out the list below,
- Identity proof any one of the following
- Aadhaar card
- Driving license
- Voter ID
- Passport
- Ration card
- Address proof like,
- Electricity bill
- Landline telephone bill
- Aadhaar card
- Voter ID
- Ration card
- PAN card
- Passport size photograph
- Last 3 months bank statement copy
For corporate credit cards application apart from the above documents, you need to provide in addition, these following documents photocopies:
- IT return proof
- Board resolution letter or undertaking letter
- Memorandum of Article and Association
- Partnership Deed
- Audit Balance sheet
- Last 3 years profit and loss account statement
How to apply for a Bank of Baroda Credit Card
There are online and offline, both modes available to apply for a Bank of Baroda Credit card. To apply for a Bank of Baroda credit card online, there are a few steps you need to follow,
- Go to the official website of the Bank of Baroda
- Choose the ‘Credit card’ option on the webpage
- Then click on the Apply online option
- Select which kind of credit card you need as per your requirement
- Complete the process by giving all the details about yourself
- End the process by E-signing the application using the Aadhaar card
- By filling VKYC verify your identity
- Now choose the ‘submit’ option
- Then there is a message sent to your registered mobile number with the application ID and the process of online submitting your application ends here.
Now, for offline application, you need to go to your nearest Bank of Baroda branch. Then do all the paperwork as they told you to do and then do the same in the online process after submitting your offline application, there is a message with a unique application ID sent to your registered mobile number.
How long does it take to process the Bank of Baroda Credit Card?
After apply for the Bank of Baroda credit card, it takes 14-15 working days to process your credit card and to reach to your registered address.
How to know your Bank of Baroda Credit Card application status
After apply for the Bank of Baroda credit card, the bank allows you to check the status of your application. You can check your application status through your mobile phone.
You just need to go to the bank of Baroda’s official site and then to the credit card section. Then go to the ‘Track application’ option in the bottom of the page. Here you can see the status of your application.
Fees and charges of Bank of Baroda Credit Card
Here is the list of fees and charges of all kinds of Bank of Baroda credit cards, just check out the list below,
- There is no joining fees for and annual fees for the premium Bank of Baroda cardholders.
- For Bank of Baroda Easy credit card, there need to pay a Rs. 500 joining and Rs. 500 annual fees.
- For Bank of Baroda Co-Branded card a joining fee of Rs. 500 and annual fee of Rs. 1000 needs to pay.
- In case of Bank of Baroda ETERNA cardholders they need to pay Rs. 2499 joining and annual fees
- In case you have Bank of Baroda ETERNA credit card you need to pay Rs. 2000 joining and annual fees.
- Bank of Baroda SELECT cardholders need to pay Rs. 750 joining and annual fees.
- In case of Ba k of Baroda Premier credit card holders they need to pay Rs. 1000 joining and annual fees
- Bank of Baroda Elite Platinum Visa credit card holders they need to apply Rs. 500 joining and Rs. 1000 annual fees.
- If you credit card blocked to de-block it the bank charges Rs. 300.
Please note, all the above fees and charges are subject to change as per Government of India’s rule and there is an additional GST added with the above fees and charges.
Advantages of Bank of Baroda Credit Card
- Bank of Baroda Easy Credit Card
- On grocery, movie tickets and departmental shopping get 5x more rewards.
- On other expenses, earn 1x rewards
- Up to 0.5% cash back on card bill payments
- For fuel transaction between Rs.400-5,000 get 0 fuel surcharge.
- Bank of Baroda Select Credit Card
- Up to 1,000 bonus points monthly on spending
- On grocery, movie tickets and departmental shopping get 5x more rewards.
- For fuel transaction between Rs.400-5,000 get 0 fuel surcharge.
- 1% fuel surcharge waiver across all gas stations.
- Redeem the rewards points for cash back or other exciting offers.
- Bank of Baroda Premier Credit Card
- On every Rs. 100 spent to have the chance to earn 10x rewards on travel, dining, online, utility bills and many more.
- Across all the domestic airports in India get exclusive offers
- For fuel transaction between Rs.400-5,000 get 0 fuel surcharge.
- Redeem the rewards points for cash back or other exciting offers.
- Bank of Baroda Prime Credit Card
- 1% cash back on every spends
- Get 4 rewards for every Rs. 100 spent on dining, online, offline shopping, travel and so on.
- For fuel, transactions get 0 fuel surcharge.
- Redeem the rewards points for cash back or other exciting offers.
- Bank of Baroda ICAI Credit Card
- Lifetime free credit card for Bank of Baroda ICAI Credit Card holders
- For every Rs. 100 get 5 rewards on spent like online & offline shopping, dining and many more.
- Get 6-month Fit Pass Pro membership worth Rs. 15,000 as a welcome gift.
- 2% reduces Forex markup, so you can save on international expenses.
- 3-month lifetime free add-on cards for any of your family members like spouse, kids, siblings etc.
- Bank of Baroda Swaviamban Credit Card
- 4 reward points for every Rs. 100 spent
- You can use up to 105% of your credit limit.
- Convert purchases of less than 2,500 into easy EMIs of 6-12 months.
- Bank of Baroda ETERNA Credit Card
- With the Bank of Baroda ETERNA credit card, you can enjoy the highest quality travel, food, and shopping experience.
- You can get 3 reward points for every Rs. 100 spent
- Also, you ensure 0 liability on any fraudulent transaction or in case your card lost immediately.
- 1% fuel surcharge waiver across all gas stations across the country on transactions between Rs. 400 – 5,000.
Apart from these above benefits there are more advantages of the Bank Baroda credit card, just check out these privileges you can get with this credit card,
- Bank of Baroda credit card holders can able to earn loyalty points whenever they spend money using their cards.
- There is an Insta Pay option available on every Bank of Baroda credit card which make easy the service.
- Bank of Baroda credit card holders get an additional personal accidental Death Coverage in case of any accident for free.
- In case cardholders pay a certain amount of money annually, they get a waived on their annual fees.
- It comes with free add on with every kind of credit cards.
- Bank of Baroda credit card offers a 24×7 customer service for all their cardholders.
- You can use your Bank of Baroda credit card in any other bank ATMs without giving any extra charge.
How you can pay the Bank of Baroda credit card bills?
There are several payment gateways to pay your credit card bills offered by the Bank of Baroda. Let’s check out the list of the payment gateways to pay your credit card bills,
- By cheque
- By cash
- Just go to the official website of Bank of Baroda and do use the net banking option to pay your credit card bills.
- By NEFT and RTGS
- Auto debit
- You can just go to the nearest branch of Bank of Baroda and pay your credit card bills directly.
- By using UPI ID
FAQs:
Which credit card is good of Bank of Baroda?
Can we withdraw money from credit card?
Is Bank of Baroda credit card life time free?
How can I check my BOB credit card limit?
Conclusion :
Bank of Baroda is one of the oldest private banking sector across the country and more than 5000 branch all over the India. From the year 2019 the Bank of Baroda merged with Vijaya Bank and Dena Bank. Among their long list oof credit card segment, you can choose as per your convenience.
Each and every of their credit card comes with different exclusive offers and privileges that definitely attract the cardholders. Not only you can go cashless and pay all your bills hassle-free, but also you can get exclusive rewards on your every spends and also able to get cashback.
Hope this article will help you to know all the details about the Bank of Baroda credit cards and now you can easily apply for it.
