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.
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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 Type | Amount |
|---|
| First-year fee | Rs.750 |
| Annual fee | Rs.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 interest | 3.25% per month or 39% per annum |
| Duplicate bill fee | Rs.25 per request |
| Cheque return charges | 2% of the cheque amount or Rs.300 whichever is higher |
| Over limit charges | 1% if the usage exceeds the sanctioned credit limit per month |
| Card replacement charges | Rs.100 per request |
| Foreign currency transaction fee | 3.5% of the transaction amount |
| Charge slip retrieval charges | Rs.250 per slip |
| Card de-blocking charges | Rs.300 per instance |
| Late payment charges | - < Rs.200 - NIL
- Rs.201 to Rs.500 - Rs.100
- Rs.501 to Rs.1,000 - Rs.400
- Rs.1,001 to Rs.10,000 - Rs.500
- More than 10,001 - Rs.750
|
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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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