Bank of Baroda Select Credit Card
Bank of Baroda Bank of Baroda

Bank of Baroda Select Credit Card

Joining Fee: 750* Plus Applicable Taxes

Renewal Fee: 750*Plus Applicable Taxes

Joining Fee: 750* + Tax

Renewal Fee: 750* + Tax

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About Bank of Baroda Select Credit Card

The Bank of Baroda Select Credit Card, offered by BOB Financials, is designed to suit the lifestyle of every individual. This card provides a range of benefits, including cashback on spends and a fuel surcharge waiver, making it an ideal choice for regular shopping. With its balanced features and reasonable fees, the Select Credit Card serves as a convenient and rewarding option for managing daily expenses and maximizing savings.

Bank of Baroda Select Credit Card Rewards Program

Reward Points

Earning Rate:

  • 1 Reward Point for every ₹100 spent on all eligible transactions.
  • 5 Reward Points for every ₹100 spent on dining and online transactions (capped at 1,000 points per month).
  • Fuel transactions are not eligible for Reward Points.

Reward Redemption:

  • Redeem points for cashback or a variety of options available on the BOBCARD Rewards portal.
  • Value of 1 Reward Point = ₹0.25.

Other Features and Benefits

Instant EMI

  • Convert purchases of Rs. 2,500 and above into easy EMIs of 6–12 months.

Multiple Redemption Options

  • Redeem earned reward points as cashback or other available options.

Cash on Card Repayment

  • Get 0.5% cashback on paying your card bill in the next statement.

Fuel Surcharge Waiver

  • 1% waiver on fuel transactions between Rs. 400–5,000 at all fuel stations in India.

Reward on Daily Expenses

  • Earn 5x reward points on every Rs. 100 spent at departmental stores, movies, and grocery.

Annual Fee Waiver

  • Waiver of annual fee on spending Rs. 7,500 in 6 months or Rs. 70,000 in a year.

Add-on Cards

  • Get up to 3 lifetime free add-on cards for parents, siblings, spouse, or others.

Fees and Charges

Fee TypeAmount
First-year feeRs.750
Annual feeRs.750
Cash withdrawal fee (Domestic ATMs)2.5% of the transaction amount subject to a minimum of Rs.300
Cash withdrawal fee (International ATMs)3.0% of the transaction amount subject to a minimum of Rs.300
Finance charges or interest3.25% per month or 39% per annum
Duplicate bill feeRs.25 per request
Cheque return charges2% of the cheque amount or Rs.300 whichever is higher
Over limit charges1% if the usage exceeds the sanctioned credit limit per month
Card replacement chargesRs.100 per request
Foreign currency transaction fee3.5% of the transaction amount
Charge slip retrieval chargesRs.250 per slip
Card de-blocking chargesRs.300 per instance
Late payment charges
  1. < Rs.200 - NIL
  2. Rs.201 to Rs.500 - Rs.100
  3. Rs.501 to Rs.1,000 - Rs.400
  4. Rs.1,001 to Rs.10,000 - Rs.500
  5. More than 10,001 - Rs.750

Things to Know Before you apply

Get this card if:

  • You want a credit card that rewards your daily expenses like groceries, movies, and dining.
  • You prefer a card with fuel surcharge waivers for transactions at petrol pumps.
  • You are looking for flexible repayment options, including instant EMI conversion.
  • You want complimentary insurance and zero liability protection on lost cards.
  • You plan to use add-on cards for family members without extra cost.

Eligibility Criteria

  • Age: 21 to 70 years
  • Occupation: Salaried or Self-employed
  • Credit Score: Should have a good credit history

Document Required For Bank of Baroda Select Credit Card

  • Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
  • Proof of Address: Aadhaar Card, Driver’s License, Passport
  • Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement

Bank of Baroda Select Credit Card Hilights

What do we like about this card?

  • Lifetime free credit card with no joining or annual fee.
  • Earn 5x reward points on departmental stores, movies, and grocery spends (up to monthly cap).
  • 1 reward point on every Rs. 100 spent on other categories.
  • Redeem reward points for cashback or other available options.
  • Instant EMI facility on purchases of Rs. 2,500 and above.
  • 1% fuel surcharge waiver on transactions between Rs. 400–5,000.

Pros

  • Earn 5x reward points on groceries, departmental stores, and movies.
  • Get 0.5% cashback on paying your credit card bill.

Cons

  • 5x rewards only apply to select categories; other spends earn less.
  • No airport lounge access.
  • High foreign transaction fee of 3.5% on international spends.

Bank of Baroda Credit Card Contact Details

  • Contact Address: BOB Financial Solutions Ltd. 2nd Floor, Baroda House, Behind Dewan Shopping Centre, S. V. Road, Jogeshwari (West), Mumbai – 400102, Maharashtra, India
  • Helpline: 1800 266 5100 (Toll-Free) +91 22 4206 1111 (International)
  • Simply SMS: Send ‘HELP’ to 9223172141 from your registered mobile number
     

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