Bank of Baroda Credit Card

Bank of Baroda (BoB) offers a diverse range of credit cards customized to meet different individuals’ financial needs and lifestyles. Whether you’re looking for reward benefits, cashback offers, or exclusive travel perks, BoB credit cards provide value-added features across various categories. With options like the BoB Eterna Credit Card, BoB RuPay Credit Card, and the BoB Easy Credit Card, customers can enjoy benefits such as fuel surcharge waivers, airport lounge access, and accelerated rewards on everyday purchases.

Let us look at the other cards that Bank Of Baroda has to offer with their features.

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Top Bank of Baroda Credit Cards

Let us look at the perfect credit card that aligns with your spending habits and their exclusive benefits :

Bank Of Baroda Vikram Credit Card

The Bank of Baroda Vikram Card is a contactless credit card designed specifically for defense personnel. It offers a strong rewards program, allowing users to earn points on almost all purchases, with extra rewards on spending at grocery stores, departmental stores, and on movies. Additionally, cardholders get benefits like insurance coverage, a fuel surcharge waiver, and the option to convert purchases into Smart EMIs for easy payments.

Key Features Of Bank of Baroda Vikram Credit Card

Here’s a concise version of the content that keeps all the important details while making it more suitable for a webpage:

1. Reward Points:
   • Earn 5 reward points for every ₹100 spent on groceries, movies, and departmental stores (up to 1,000 points/month).
   • After the cap, earn 1 point per ₹100 in these categories.
   • Earn 1 point per ₹100 on all other spends.
2. Forex Markup Charges: 3% fee on international transactions.
3. Fuel Surcharge Waiver: 1% waiver on fuel purchases between ₹400–₹5,000 (capped at ₹250 per statement cycle).
4. EMI Conversion: Convert purchases above ₹2,500 into Smart EMIs with tenures from 6 to 36 months.
5. Insurance Cover: ₹20 lakhs accidental death insurance (air and non-air).
6. No Lost Card Liability: Zero liability on unauthorized transactions after reporting a lost card.
7. Add-on Cards: Get up to 3-lifetime free add-on cards for family members aged 18+.

Bank Of Baroda Vikram credit card Fees

Indian Coast Guard Rakshamah BoB Credit Card

The Bank of Baroda Rakshamah Credit Card is specially designed for Indian Coast Guard personnel, offering a range of reward benefits and complimentary services. Cardholders can earn accelerated reward points on spending at entertainment venues and departmental stores, making everyday purchases more rewarding.

Key Features Of Bank of Baroda Rakshamah Credit Card

1. Reward Benefits:
   • 5X Reward Points on every ₹100 spent on movies and departmental stores.
   • 2 Reward Points per ₹100 on all other spends, including UPI transactions.
   • Reward Point Value: 1 point = ₹0.25.
2. Welcome Benefits:
   • 6-month FITPASS Pro membership worth ₹15,000.
   • 500 reward points on spending ₹5,000 within 60 days of card issuance.
3. Lounge Access:
   • 8 complimentary domestic airport lounge visits per year (max 2 per quarter).
   • Spend ₹20,000 in the previous quarter to maintain eligibility.
4. Concierge Services:
   • 24×7 complimentary concierge services for domestic and international travel via the RuPay network.
5. Insurance Cover:
   • ₹20 lakh personal accidental death insurance (air and non-air).
6. Fuel Surcharge Waiver:
   • 1% fuel surcharge waiver up to ₹250/month on fuel spends between ₹400–₹5,000.

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Indian Army Yoddha BoB Credit Card

The YODDHA Bank of Baroda Credit Card is specially designed for Indian Army personnel, offering an excellent rewards program and exclusive benefits. Cardholders can earn up to 10 reward points for every ₹100 spent on grocery and departmental store purchases.

Key Benefits Of Indian Army YODDHA Credit Card

1. Welcome Benefits:
   • 1,000 reward points on activating the card within 30 days of issuance.
   • 6-month FITPASS Pro membership worth ₹15,000.
2. Reward Benefits:
   • 5X rewards: Earn 10 reward points per ₹100 spent on grocery and departmental stores.
   • 2 reward points per ₹100 on all other spends.
3. Lounge Access:
   • 8 complimentary airport lounge visits per year (2 per quarter), subject to spending ₹20,000 in the previous quarter.
4. Golf Privileges:
   • 4 complimentary golf lessons/games per year (1 per quarter).
5. Fuel Surcharge Waiver:
   • 1% waiver up to ₹250 per statement cycle on fuel spends between ₹400–₹5,000.
6. Concierge Services:
   • 24×7 domestic and international concierge assistance.
7. Insurance Cover:
   • ₹20 lakh accidental death cover (air and non-air).
8. Lost Card Liability:
   • Zero liability on fraudulent transactions after reporting the card lost.
9. Add-on Cards:
   • Get up to 3 free add-on cards for family members aged 18 years and above.

YODDHA Bank of Baroda Credit Card Fees

Indian Navy Varunah plus BoB Credit Card

The Bank of Baroda Varunah Plus Credit Card is designed specifically for Indian Navy personnel, offering a range of benefits tailored to their needs.

Key Featured Of Bank of Baroda Varunah Plus Credit Card

1. Welcome Benefits:
   • 12-month Amazon Prime membership.
   • 1,000 reward points on card activation within 30 days of issuance.
2. Reward Benefits:
   • 5X rewards: Earn 10 reward points per ₹100 spent on travel, dining, online purchases, and international spends (capped at 2,000 points/month).
   • 2 reward points per ₹100 on all other spends.
3. Reward Redemption:
   • 1 reward point = ₹0.25.
   • Redeem points for shopping, travel, and more.
4. Rewards Rate:
   • Earn up to 2.5% rewards on select categories (travel, dining, online, and international spends).
   • Lower rates apply to other categories.

Bank of Baroda Varunah Plus Credit Card Fees

Assam Rifles The Sentinel BoB Credit Card

The Sentinel Bank of Baroda Credit Card is a lifetime free credit card designed exclusively for members of the Assam Rifles. Cardholders can earn reward points on every spend and enjoy a variety of lifestyle benefits. The card offers accelerated rewards on movies and departmental store purchases, along with complimentary lounge access and exclusive membership perks.

Key Features Of Assam Rifles – The Sentinel Bank of Baroda Credit Card

1. Rewards Program
   • Earn 10 reward points per ₹100 spent on departmental stores and movies (capped at 1,000 points/month).
2. Base Rewards:
   • Earn 2 reward points per ₹100 on all other spends, including UPI transactions.
3. Reward Point Value:
   • 1 reward point = ₹0.25.
4. Terms & Conditions:
   • After reaching the 1,000-point cap on 5X categories, earn 2 points per ₹100.
   • Fuel spends, wallet loading, and specific merchant categories (MCCs) are excluded from the rewards program.
5. Welcome Benefits:
   • 6-month FITPASS Pro membership worth ₹15,000.
   • 500 reward points on spending ₹5,000 within 60 days of card issuance.
6. Lounge Access:
   • 8 complimentary domestic airport lounge visits per year (2 per quarter), subject to ₹20,000 spent in the previous quarter.
7. Concierge Services:
   • 24×7 complimentary concierge assistance for domestic and international services via the RuPay network.
8. Insurance Cover:
   • ₹20 lakh personal accidental death cover.
9. Fuel Surcharge Waiver:
   • 1% fuel surcharge waiver (up to ₹250/month) on fuel spends between ₹400 and ₹5,000.

Assam Rifles The Sentinal BoB Credit Card Fees

BOB ConQR Credit Card

The ConQR Credit Card from the Bank of Baroda is designed specifically for the business sector. This versatile card allows customers to fulfill their business needs effortlessly. It functions as a 2-in-1 card, enabling you to cover your daily expenses while accepting client payments.

Key Benefits Of Bank of Baroda ConQR Credit Card

1. Fuel Surcharge Waiver:
   • 1% waiver on fuel transactions between ₹400 and ₹5,000.
   • Maximum waiver of ₹250 per statement cycle.
2. Insurance Coverage:
   • ₹15 lakhs coverage for air-related accidental death.
   • ₹5 lakhs coverage for non-air-related accidental death.
   • Provides financial security for your family at no extra cost.
3. EMI Conversion:
   • Convert purchases of ₹2,500 or more into 6-month or 12-month EMIs for hassle-free repayments.

Bank of Baroda ConQR Credit Card Fees

BOB Easy Credit Card

The BOB Easy Credit Card is designed to make everyday living truly ‘easy,’ offering up to 5X rewards on daily expenses, which can be conveniently redeemed as cashback.

This card is packed with benefits, especially for those who frequently spend on shopping and entertainment. If your primary expenses fall within these categories, the BOB Easy Credit Card is an excellent choice to maximize your rewards and cashback benefits.

Benefits of the BOB Easy Credit Card

1. Daily Spend Rewards:
   • Earn 5X reward points (5 points per ₹100) on departmental stores and movie tickets at any theater.
   • Maximum 1,000 reward points per billing cycle.
2. Fuel Surcharge Waiver:
   • 1% waiver on fuel transactions between ₹400 and ₹5,000 at fuel stations across India.
3. Reward Redemption Options:
   • Redeem points for cashback and other exciting rewards.
4. EMI Conversion:
   • Convert purchases above ₹2,500 into EMIs with flexible tenures from 6 to 36 months.
5. Annual Fee Reversal:
   • Spend ₹6,000 within 60 days and ₹35,000 in a year to get your annual fee reversed.
6. Add-On Cards:
   • Get up to 3-lifetime free add-on cards for your spouse, siblings, parents, or children aged 18+.
7. Zero Liability Protection:
   • Report card loss immediately to enjoy zero liability on fraudulent transactions.
8. Interest-Free Period:
   • Get up to 50 days of interest-free credit on your spending.
9. Revolving Credit Facility:
   • Pay minimum amounts as per your convenience for flexible financial management.

BOB Easy Credit Card Fees

BOB ICAI Exclusive Credit Card

The Bank of Baroda Exclusive Credit Card is specially designed for members of the Institute of Chartered Accountants of India (ICAI). This lifetime free credit card offers a range of benefits tailored to meet the professional and personal needs of ICAI members.

Key Benefits Of Bank of Baroda Exclusive Credit Card for ICAI Members

1. Welcome Gift
   • FITPASS Pro Membership worth ₹15,000.
   • 1,000 reward points on using the card within 30 days of issuance.
   • Lifetime Free Card – No joining or annual fees.
2. Rewards Program
   • Earn 5 reward points per ₹100 spent on dining, online shopping, and utility bill payments.
   • Earn 1 reward point per ₹100 on all other spends.
   • 1 reward point = ₹0.25.
   • Get 1,000 reward points for making 5 transactions of ₹1,000 or more each month.
3. Lounge Access
   • 12 complimentary domestic airport lounge visits per year at select lounges.
   • Limited to 3 visits per quarter.
   • Eligibility: Spend at least ₹40,000 in the previous quarter.
4. Low Foreign Exchange Mark-up Rate:
   • Only 2% on foreign transactions.
5. Fuel Surcharge Waiver:
   • 1% waiver on fuel spends between ₹400 and ₹5,000.
   • Maximum waiver of ₹250 per statement cycle.
6. Insurance Coverage:
   • Professional Indemnity Insurance Cover: ₹5 lakh
   • Non-Air Accident Death Cover: ₹5 lakh
   • Air Accident Death Cover: ₹15 lakh

ICAI Exclusive Credit Card Fees

BOB ICSI Diamond Credit Card

The Bank of Baroda ICSI Diamond Credit Card is designed to offer exclusive features and world-class privileges to its cardholders. Tailored for members of the Institute of Company Secretaries of India (ICSI), this card provides numerous saving opportunities on everyday spending, along with premium benefits that cater to both personal and professional needs.

Key Benefits Of Bank of Baroda ICSI Diamond Credit Card

1. Rewards Program:
   • Earn 5 reward points per ₹100 spent on dining, online purchases, and utility bill payments.
   • Get 999 bonus reward points by making 5 transactions of ₹1,000 or more each month.
2. Travel Benefits:
   • Enjoy 12 complimentary domestic airport lounge visits annually (3 per quarter) upon spending ₹40,000 in the previous quarter.
   • Save on international transactions with a 2% forex markup.
3. Welcome Benefit:
   • Get a 6-month FITPASS Pro membership worth ₹15,000 upon card activation.
4. Milestone Rewards:
   • Earn 1,000 reward points when you use your card within 30 days of issuance.
   • Receive 3,999 reward points every quarter when you exceed your credit limit.
5. Fuel Surcharge Waiver:
   • 1% waiver on fuel spends between ₹400 and ₹5,000.
   • Maximum waiver of ₹250 per statement cycle.
6. Insurance Coverage:
   • Professional Indemnity Insurance: ₹5 lakh
   • Air Accident Death Cover: ₹15 lakh
   • Non-Air Accident Death Cover: ₹5 lakh
7. Zero Liability on Lost Card:
   • Report your card lost immediately to enjoy zero liability on unauthorized transactions.

Bank of Baroda PRIME Credit Card

The BOB Prime Credit Card is specially designed for individuals who cannot provide income proof, making it an ideal option for students, freelancers, or those with irregular income. The card is secured against a Fixed Deposit (FD) with the Bank of Baroda, offering easy approval and access to credit.

Key Benefits Of Bank of Baroda Prime Credit Card

1. Guaranteed Card Issuance:
   • Get the card guaranteed by opening a Fixed Deposit with Bank of Baroda.
2. Cashback & Rewards:
   • Earn 1 reward point for every ₹100 spent on selected Merchant Category Codes (MCCs).
   • Earn 2 reward points for every ₹100 spent on all other MCCs.
   • Cashback is available on every transaction.
3. Lifetime Free Card:
   • No joining fees or annual charges—the card is free for life.
4. Fuel Surcharge Waiver:
   • 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000.
5. Reward Redemption:
   • Redeem reward points for cashback or other exciting benefits.
6. EMI Conversion:
   • Transactions over ₹2,500 can be easily converted into EMIs with tenures from 6 to 36 months.
7. Add-On Credit Cards:
   • Get up to 3 lifetime free add-on cards for your spouse, parents, siblings, or children above 18 years.
8. Insurance Cover:
   • Free personal accidental death cover to ensure financial security for your family.
9. Zero Liability on Lost Card:
   • Report a lost or stolen card to avail zero liability on any unauthorized transactions.
10. Interest-Free Period:
    • Enjoy up to 50 days of interest-free credit from the date of the transaction.
11. Revolving Credit Facility:
    • Pay the minimum amount due and manage repayments at your convenience.

Best BOB Lifetime Free Credit Cards

Lifetime-free credit cards offer the convenience of no annual fees, allowing you to enjoy all the benefits without the added cost. Let us look at the top options from the Bank Of Baroda that provide exceptional rewards and features, making them perfect for your financial needs

Best BOB Rupay Credit Card

Rupay credit card are designed to promote cashless transactions within india, offer unique benefits customised for local consumers. Discover the best options from Bank of Baroda that combine convenience, security and rewarding features for your everyday spending:

Features & Benefits of BOB Credit Cards

Bank Of Baroda credit card come with a range of featured and benefits designed to enhance your purchasing power and provide added value.

• Get interest-free credit, reward points, on every spend, airport lounge access, Smart EMI options, and insurance coverage with our credit cards.
• Choose from a variety of cards tailored to support your financial needs and lifestyle goals.
• Access offers on travel, dining, shopping, and more, with discounts from popular brands.
• Manage your expenses effectively with deals that maximize the value of your spending.
• Your transactions are protected with advanced security features to ensure safe and secure payments.
• In case of a lost or stolen card, you are covered with zero liability protection for unauthorized transactions.

Bank of Baroda Credit Card Eligibility Criteria

Understanding the eligibility criteria for Bank Of Baroda credit cards is essential for a smooth application process.

1. 1. Age Criteria:Applicants must be between 18 and 65 years of age to be eligible for any Bank of Baroda Credit Card.
   2. Income Criteria: Applicants must meet a minimum annual income requirement, which varies based on the specific credit card chosen.
   3. Corporate Premium Credit Card Eligibility:

For those applying for the Bank of Baroda Corporate Premium Credit Card, the following conditions apply:

1. Must be a Limited company, Partnership firm, or a Government company.
2. Paid-up capital of at least ₹25 lakhs.
3. Net worth of at least ₹50 lakhs.
4. Must have a credit facility of at least ₹1 crore.
5. A BOB rating of 6 or above is required.
6. Banking Relationship Preference:
   • Applicants with existing banking relationships with Bank of Baroda will be given preference during the application process.

Document Required for Bank of Baroda Credit Card

Having the right documents ready is crucial for a seamless application process for a Bank of Baroda credit card.

1. Identity Proof (Any one of the following):
   • Passport
   • Voter’s Identity Card
   • Driving Licence
   • UID (Aadhaar Card)
   • PAN Card
2. Income Proof (Any one of the following):
   • Form 16
   • Income Tax Return (ITR)
   • Salary Slip
3. Residence Proof (Any one of the following):
   • Passport
   • Passbook of a PSU Bank
   • Fixed Line Telephone Bill
   • Electricity Bill
   • UID (Aadhaar Card)

Steps to Apply for Bank of Baroda Credit Card

Applying for a Bank of Baroda credit card is a straightforward process when you know the right steps to follow

Step 1: Visit the Officbaial Website

• Navigate to the ‘Credit Cards’ section under the ‘Personal Banking’ tab.

Step 2: Browse & Select the Card

• Review the different credit card options available based on your needs (e.g., BOB Easy Credit Card, BOB Eterna Credit Card, etc.).
• Click on ‘Apply Now’ for the card that suits your requirements.

Step 3: Fill in the Application Form

• Enter your personal details like name, age, contact number, and email ID.
• Provide financial information such as income details (if applicable) and employment status.

Step 4: Upload Required Documents

• Upload the necessary KYC documents like identity proof, address proof, and income proof (if required).
• Ensure the documents are clear and valid.

Step 5: Review & Submit the Application

• Double-check all the details provided.
• Click on ‘Submit’ to complete your application.

Step 6: Application Verification

• Bank of Baroda will verify your details and documents.
• You may receive a call or email if further information is needed.

Step 7: Track Your Application Status

• Use the application reference number provided after submission to track your BOB credit card application status online.

Step 8: Receive & Activate Your Card

• Once approved, you will receive your credit card via mail.
• Follow the instructions provided to activate your card.

Bank of Baroda Credit Card Payment

Bank of Baroda offers multiple convenient ways to pay your credit card bills. Here’s a quick guide to the available payment methods:

1. 1. Online Payment Methods
      • Net Banking:

Log in to your Bank of Baroda net banking account, navigate to the Credit Card section, and select ‘Pay Credit Card Bill’.

1. 1. Mobile Banking (BOB World App):

Use the BOB World mobile app to make payments directly from your linked bank account.

1. 1. NEFT/RTGS:

Pay from any bank account via NEFT. Use your 16-digit BOB credit card number as the account number and BARB0COLABA as the IFSC code.

1. 1. BillDesk/Third-Party Payment Gateways:

Pay your credit card bill through trusted platforms like BillDesk.

1. 1. Auto-Debit Facility:

Set up an auto-debit instruction from your Bank of Baroda savings account to ensure timely payments.

1. 1. Offline Payment Methods
      • Bank Branch:

Visit your nearest Bank of Baroda branch and pay via cash or cheque.

1. 1. ATM:

Use any Bank of Baroda ATM to make payments by transferring funds from your linked account.

1. UPI Payment Method
   • Use any UPI-enabled app (like Google Pay, PhonePe, etc.) to make payments by entering your BOB Virtual Payment Address (VPA):
     BOB@barodampay

Important Tips:

• Always pay your dues before the due date to avoid late payment charges.
• Ensure your payment reflects in your credit card account to avoid interest charges.

BOB Credit Card Customer Care Number

Bank of Baroda offers multiple 24/7 customer support channels to ensure you receive prompt assistance for any BOBCARD-related queries. Whether you need help with your card balance, and payments, or need to block a lost card, you can easily connect through IVR, WhatsApp, SMS, or Email.

1. 1. 24/7 IVR Self-Service Support

Toll-Free Numbers:

1. 1800 2665 100
2. 1800 2667 100
3. WhatsApp Support
   • WhatsApp Number: 7208476628
4. Instant SMS Services
   • SMS Number: 9223172141
     (Charges as per your mobile tariff plan. BOBCARD does not levy any charges.)

SMS Formats:

• For balance inquiry: BAL XXXX
• To block your card: BLOCK XXXX
• For reward points tally: REWARD XXXX
• For last statement: STAT XXXX
• To set domestic E-Commerce limit: DOM XXXX
• For last bill payment details: PAYMENT XXXX

Note: Replace ‘XXXX’ with the last 4 digits of your BOBCARD.