Bank of Baroda Credit Card

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Bank of Baroda, established in 1908, is one of India’s oldest and most trusted public sector banks. It offers a wide range of financial products and services, including Bank of Baroda credit cards that suit various spending needs. These cards come loaded with benefits such as reward points, lifestyle privileges, cashback offers, and an interest-free period of up to 50 days.

Best Bank of Baroda Credit Cards

Bank of Baroda has a variety of credit cards—from premium to everyday essentials—to match diverse spending habits. Some of the top Bank of Baroda credit cards include:

Best Credit Cards in India | Check Eligibility & Apply Online

How to Apply for a Bank of Baroda Credit Card Online at MybankingTips

Applying for a Bank of Baroda credit card is a simple, hassle-free process. You can choose to apply through MybankingTips or directly on the Bank of Baroda website. Here’s how:

Apply via a Comparison Portal

  • Visit the Website: Go to the Bank of Baroda credit card section on MY Banking Tips website.
  • Choose Your Card: Review the different valuable credit cards and find the card that meets your requirements.
  • Click ‘Apply Now’: Click on the ‘Apply Now’ button.
  • Fill in Your Details: Enter your personal and financial information for eligibility verification.
  • Submit Your Application: After completing the form, submit it and note your application ID for future reference.

Apply via Bank of Baroda Website

  • Go to the Bank of Baroda Website: Visit the official Bank of Baroda website to begin your application.
  • Navigate to ‘Credit Cards’: Find and select the ‘Credit Cards’ section from the homepage.
  • Select a Card: Pick the credit card that best suits your lifestyle, needs and spending pattern.
  • Click ‘Apply Now’: Complete the application process by clicking on the ‘Apply Now’ button.
Apply for Top Bank of Baroda Credit Cards

Eligibility Criteria

To apply for a Bank of Baroda credit card, you should fulfill these basic requirements:

  • Age: Between 21 and 60 years.
  • Employment: Applicable for both salaried and self-employed individuals.
  • Credit Score: A credit score above 750 can enhance your chances of getting credit card.

Documents Required for Bank of Baroda Credit Cards

Proof of Identity PAN Card, Aadhaar Card, Passport, Voter’s ID, Driver’s License, Overseas Citizen of India (OCI) Card, or any other government-approved photo ID proof.
Proof of Address Aadhaar Card, Passport, Driver’s License, Utility Bill (not older than 3 months), Ration Card, or any other government-approved address proof.
Proof of Income Latest 1-2 salary slips (not older than 3 months), Latest Form 16, and the last 3 months’ bank statement.

Note: Bank of Baroda can also request additional documents based on their internal policies.

Bank of Baroda Credit Card: Fee & Charges

  • Annual Fee: It varies with the credit card choose.
  • Finance Charges:
    • Premium Cards: Around 2.99% per month (35.88% per annum).
    • Other Cards: Approximately 3.99% per month (47.88% per annum).
  • Late Payment Charges:
    • Up to ₹500 – No charge.
    • Above ₹500 – ₹1,350 or 10% of the outstanding amount (whichever is lower).
Suggested Read : Check 25 Best Credit Cards in India in February 2025 and find the right card as per your spending habits.

Bank of Baroda Credit Card Features & Benefits

Bank of Baroda credit cards offer a variety of features for the convenience and benefits of cardholders:

1. Welcome Benefits

  • New cardholders enjoy bonus reward points or exclusive offers after activation and payment of the joining fee.

2. Reward Points and Cashback

  • With Bank of Baroda Credit Cards, cardholders Earn reward points on every purchase. These rewards can be redeemed for goods, services, or cashback. Certain cards offer extra rewards in categories like dining, fuel, or online shopping.

3. Milestone Benefits

  • Cardholders receive additional rewards and exclusive gifts once they hit certain spending thresholds.

4. Travel Benefits

  • Enjoy perks like complimentary airport lounge access, discounts on hotel bookings and flights, and concierge services for premium cards.

5. Additional Benefits

  • Enjoy discounts on movies and dining, fuel surcharge waivers, and a spend-based waiver of the annual fee when spending milestones are met.

Features of Top Bank of Baroda Credit Cards in India

Here’s a look at some of the best Bank of Baroda Credit Cards tailored to diverse needs:

1. BOB Privilege Credit Card

  • Travel Perks: Unlimited lounge access and exclusive travel discounts.
  • Reward Points: Earn accelerated reward points on both online and offline spends.
  • Additional Perks: Purchase protection and special offers on dining and entertainment.

2. BOB Titanium Delight Credit Card

  • Cashback: Earn direct cashback on everyday spends such as groceries and fuel.
  • Reward Benefits: Redeem points on dining, movies, and shopping.
  • Additional Features: Easy EMI conversion for larger purchases.

3. BOB ELITE Credit Card

  • Premium Rewards: High reward point earnings on all transactions with added benefits on travel and dining spends.
  • Complimentary Benefits: Enjoy lounge access, concierge services, and exclusive insurance covers.
  • Low Interest Rate: Competitive monthly interest rate to suit premium spending.

4. BOB Cashback Credit Card

  • Everyday Savings: Earn cashback on all transactions, especially on shopping and dining.
  • Flexible Benefits: Redeem cashback directly or convert it to reward points.
  • Easy Payment Options: Simplified billing and reward redemption process for easy repayment.

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How to Activate Your Bank of Baroda Credit Card

Activation of your Bank of Baroda credit card can be done through various channels:

  1. Via Net Banking:
    • Log in to your Bank of Baroda Net Banking account.
    • Select ‘Credit Cards’ > ‘Register Credit Card’.
    • Set a 4-digit PIN using OTP verification.
  2. Via Mobile Banking:
    • Download the Bank of Baroda mobile app.
    • Log in and navigate to ‘Account Services’.
    • Follow the instructions to set or reset your PIN.
  3. Via Customer Care:
    • Call the Bank of Baroda toll-free number for assistance.

How to Pay Bank of Baroda Credit Card Bills

Bank of Baroda offers multiple payment options for hassle-free bill settlement:

  • For Bank of Baroda Account Holders:
    • Net Banking: Log in and pay directly.
    • Mobile Banking: Use the mobile app for payments.
    • Auto-Debit: Set up standing instructions for automatic payments.
  • For Non-Bank of Baroda Account Holders:
    • NEFT/IMPS/RTGS: Use the IFSC code provided for transfers.
    • Cheque Payment: Drop a cheque at designated Bank of Baroda branches.
    • Cash Payment: Visit any Bank of Baroda branch (charges may apply).
    • UPI/Bill Desk: Use UPI or third-party apps for easy payments.

Dos & Don'ts of Credit Cards

Maximize your Bank of Baroda Credit Card benefits with these tips:

Dos:

  • Pay your bills on time to avoid interest charges.
  • Maintain a low credit utilization ratio.
  • Regularly monitor your credit card statements.
  • Use reward points and additional benefits wisely.
  • Understand your card’s terms and conditions.

Don'ts:

  • Avoid applying for multiple credit cards simultaneously.
  • Don’t only pay the minimum amount due.
  • Do not ignore your monthly statements.
  • Avoid closing old cards unless necessary.
  • Don’t overuse your credit limit.

How to Redeem Bank of Baroda Credit Card Reward Points

Redeeming reward points is simple:

Online Redemption:

  • Log in to your Bank of Baroda Net Banking account.
  • Select “Redeem Reward Points.”
  • Choose your credit card and preferred redemption option (e-gift vouchers, bill payments, travel bookings, etc.).
  • Confirm your selection to complete the redemption process.

Offline Redemption:

  • Call customer care to initiate a reward points redemption request.

When is the Bank of Baroda Credit Card Interest Rate Charged?

Interest is charged on your Bank of Baroda credit card under these conditions:

  • Non-Payment: If you miss the due payment, interest along with a late fee is applied.
  • Balance Carryforward: Banks also charge Interest on any carried balance.
  • Cash Withdrawals: Banks charge Interest on cash withdrawals from the date of withdrawal to repayment.

Bank of Baroda Interest-Free Period

Bank of Baroda credit cards come with an interest-free period of up to 50 days. By paying your full outstanding balance before the due date, you avoid any interest charges, giving you a grace period to manage your expenses.

Bank of Baroda Credit Card Application Status

Track the status of your application easily:

  • Visit the Bank of Baroda website and use your reference number, registered mobile number, or date of birth to check the status.
  • You may also call customer support or visit the nearest branch for updates.

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Bank of Baroda Credit Card Balance Transfer

Bank of Baroda offers balance transfer facilities that allow cardholders to transfer outstanding dues from other bank credit cards. If you have a good credit history and transaction record, you can qualify for competitive balance transfer options to reduce your interest costs.

Bank of Baroda Credit Card Customer Care

For any queries regarding your Bank of Baroda Credit Card, you can reach out to customer care through:

  • Phone: Call the toll-free number 1800-103-1006 or 1800-225-100 for any credit card-related inquiries.
  • Email: For unresolved queries, you can email crm@bobcard.co.in. If your issue remains unresolved after five business days, escalate it by emailing escalations@bobcard.co.in.

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FAQs for Bank of Baroda Credit Cards

It is very simple to apply for Bank of Baroda credit card. You can directly apply through the Bank of Baroda website or via a comparison portal like MYbankingtips. To complete the application process you need to fill in the application form, submit the required documents, and track your application status online.

To apply for Bank of Baroda credit card the applicants should be between 21 and 60 years old, salaried or self-employed, and have a good credit score of 750 or above. Income requirements vary based on the card type.

You can easily check your application status for the Bank of Baroda credit card by visiting the Bank of Baroda website and entering your reference number, registered mobile number, or date of birth. You can also contact customer care.

Bank of Baroda credit cards offer an interest-free period of up to 50 days.

You can pay your Bank of Baroda credit card bill through net banking, mobile banking, auto-debit, NEFT, IMPS, RTGS, UPI, Bill Desk, cheque deposit, or cash at a Bank of Baroda branch.

Yes, the Bank of Baroda charges a foreign currency transaction markup fee, which varies by card. Most Bank of Baroda credit cards charge around 3.5% on international transactions.

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