BoB Advantage Credit Card - Rewards on Everyday Spends

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Features of Bank of Baroda Advantage Credit Card

Reward Points System:
The BoB Advantage Credit Card offers a robust reward points system, making it one of the best Bank of Baroda Credit Cards for rewards. Cardholders earn 5 reward points for every ₹100 spent on categories like groceries, departmental stores, and movies. For other spending categories, you earn 1 reward point per ₹100 spent. These points can be redeemed for cashback, shopping vouchers, or other exciting options, enhancing the card’s appeal for frequent shoppers. The rewards and cashback system is capped at 2,000 reward points per month for accelerated reward categories, ensuring a balanced earning structure.
Fuel Surcharge Waiver:
One of the standout features is the 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 at fuel stations across India. This waiver can result in a maximum saving of ₹250 per billing cycle. Note that no reward points are earned on fuel transactions, but the savings on fuel costs make this a valuable perk for those who drive frequently.

- Contactless Payment Technology: The Bank of Baroda Advantage Credit Card is equipped with contactless payment technology, allowing for quick and secure transactions. By simply tapping the card at compatible terminals, cardholders can make payments under ₹5,000 without entering a PIN, ensuring convenience and speed. This feature aligns with modern payment trends and enhances the card’s usability for small, everyday purchases.
- Interest-Free Credit Period: The card offers an interest-free credit period of up to 50 days, which is a significant advantage for managing cash flow. This feature allows cardholders to make purchases and defer payments without incurring interest, provided the outstanding balance is paid in full by the due date. This is particularly beneficial for those who use the BoB Advantage Card login and payment system to track and settle their bills on time.
- EMI Conversion Facility: For high-value purchases, the BoB Credit Card EMI options allow cardholders to convert transactions above ₹2,500 into easy monthly installments (EMIs) with tenures ranging from 6 to 12 months. This feature provides flexibility for managing large expenses, such as electronics or travel bookings, without straining finances. The nominal interest rates on EMIs make this a cost-effective option compared to personal loans.
- Complimentary Insurance Coverage: The Bank of Baroda Advantage Credit Card includes complimentary insurance coverage, offering peace of mind. This includes ₹15 lakh for air accident death and ₹5 lakh for non-air accident death. Such coverage adds a layer of financial security, making the card appealing for frequent travelers or those seeking added protection.
- Free Add-On Cards: Cardholders can avail up to three free add-on cards for immediate family members (spouse, parents, siblings, or children above 18 years). These add-on cards share the primary card’s credit limit, allowing family members to make purchases while the primary cardholder retains control over spending. This feature is particularly useful for families managing shared expenses.
- Zero Liability on Lost Card: In case of card loss or theft, the BoB Advantage Credit Card ensures zero liability on fraudulent transactions if reported immediately. This security feature protects cardholders from financial loss due to unauthorized usage, reinforcing trust in the card’s safety measures.
- Global Acceptance: Backed by Visa or MasterCard, the Bank of Baroda Advantage Credit Card enjoys worldwide acceptance, making it ideal for international travel or online shopping. The card’s compatibility with global payment gateways ensures seamless transactions, whether at retail outlets or e-commerce platforms.
- Annual Fee Waiver: The Bank of Baroda Advantage Card annual fee waiver is a key feature, with the ₹500 annual fee waived if cardholders spend ₹35,000 or more in a year. Additionally, the first-year fee is reversed if ₹6,000 is spent within 60 days of card issuance. This spend-based waiver makes the card cost-effective for active users.
- Cashback on Bill Payments: A unique feature of the BoB Advantage Credit Card is the 0.5% cashback on credit card bill payments made on time. This incentive encourages responsible financial behavior while providing additional savings, setting the card apart from competitors.
- Customizable Credit Limit: The Bank of Baroda Advantage Card limit is determined based on the cardholder’s eligibility and financial profile. Cardholders can request a Bank of Baroda Advantage Card limit increase by submitting a written application, subject to the bank’s approval. This flexibility ensures the card adapts to evolving financial needs.
- Online Account Management: The BoB Advantage Card login and payment portal allows cardholders to manage their accounts effortlessly. Features include checking balances, viewing statements, redeeming reward points, and making payments. The Bank of Baroda Advantage Credit Card contact customer care team is also accessible 24/7 via toll-free numbers or SMS services for queries.
- Secure Transactions: The card incorporates EMV chip technology and OTP verification for enhanced security. These features minimize the risk of fraud, making the BoB Advantage Credit Card a reliable choice for both online and offline transactions.
- Flexible Redemption Options: The BoB Advantage Card rewards and cashback can be redeemed through the BoB Rewards app for various options, including cashback (1 reward point = ₹0.25), travel bookings, movie tickets, or merchandise. This flexibility ensures cardholders can maximize the value of their earned points.
- Joining Bonus: New cardholders can earn 500 reward points by spending ₹5,000 within 60 days of card issuance, providing an immediate incentive to start using the card. This joining bonus enhances the card’s appeal for new users.
- Compatibility with Digital Wallets: The Bank of Baroda Advantage Credit Card can be linked to digital wallets like Google Pay or Paytm, enabling seamless mobile payments. This feature caters to the growing preference for digital transactions, adding to the card’s convenience.
- Robust Customer Support: The Bank of Baroda Advantage Credit Card contact customer care service is available round-the-clock, ensuring prompt resolution of issues. Cardholders can also use SMS-based services for quick updates.
- Eco-Friendly Design: The card is designed with sustainability in mind, using eco-friendly materials where possible. This aligns with modern consumer preferences for environmentally responsible products, adding a unique dimension to the BoB Advantage Credit Card.

Benefits of the Bank of Baroda Advantage Credit Card

1. High Cashback on Snapdeal Purchases:
- Earn an unlimited 5% cashback on all purchases made via Snapdeal’s website and mobile app.
- This translates to 20 reward points per ₹100 spent, where each point is worth ₹0.25.
- Cashback is automatically credited to your credit card statement, ensuring a hassle-free redemption process.
2. Accelerated Rewards on Other Key Categories:
- Earn 10 reward points (equivalent to 2.5% cashback) per ₹100 spent on online shopping (excluding Snapdeal), groceries, and departmental stores.
- This benefit is capped at 2000 points per month, encouraging monthly spending up to ₹20,000.
- All other transactions earn 4 reward points per ₹100 spent (1% cashback), ensuring you earn rewards on every purchase.

- Fuel Surcharge Savings: The BOB Snapdeal Card offers a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, with a maximum cap of ₹250 per billing cycle.
- Welcome Voucher for New Users: New cardholders receive a Snapdeal voucher worth up to ₹500 upon making their first transaction within 30 days of card issuance, encouraging exploration of Snapdeal’s product.
- Interest-Free Credit Period: Provides up to 50 days of interest-free credit for purchases, if the full outstanding amount is paid by the due date, maximizing card value without extra cost.
- Flexible EMI Options: Transactions above ₹2,500 can be converted into EMIs with tenures from 6 to 48 months via the login portal or customer care, helping manage high-value expenses.
- Lifetime-Free Add-On Cards: Up to three lifetime-free add-on cards for family members (above 18 years), sharing credit limit and rewards, ideal for households with shared expenses.
- Zero Liability Protection: In case of lost or stolen card, users have zero liability for unauthorized transactions if reported promptly, with instant card blocking available via app or customer care.
- Seamless Digital Management: Robust digital ecosystem with login portal and mobile app for transaction monitoring, reward tracking, bill payments, and real-time alerts.
- Affordable Fee Structure: Joining and annual fee of ₹249 + GST, making it one of the most affordable cards with generous rewards for budget-conscious and first-time users.
- UPI Payment Integration: Supports linking to UPI apps for quick, secure payments, earning 4 reward points per ₹100, enhancing versatility in digital payments.
- Exclusive Snapdeal Offers: Access to Snapdeal exclusive discounts, flash sales, and curated deals, providing additional savings and boosting card appeal for Snapdeal shoppers.
- Travel and Entertainment Discounts: Periodic dining and entertainment discounts through Bank of Baroda partnerships add lifestyle value, though not as extensive as premium cards.
- Credit Limit Flexibility: Users demonstrating responsible repayments can request higher credit limits by submitting updated financial documents.
- Global Acceptance: Accepted worldwide where international transactions are enabled, suitable for occasional travelers (forex markup fees apply).
- Fraud Protection and Alerts: Advanced fraud detection and real-time SMS/email transaction alerts minimize unauthorized usage risk.
- Revenue Sharing Transparency: Operates under a revenue-sharing model between BOBCARD and Snapdeal, supporting attractive rewards and building cardholder trust.
- Comparison with Other Cards: Low fees and high cashback on Snapdeal purchases make it stand out in the entry-level segment, though it lacks premium perks like lounge access.
- Enhanced Shopping Experience: Integration with Snapdeal’s ecosystem provides seamless rewards, cashback, and exclusive offers, ideal for e-commerce enthusiasts.

How to Apply for Bank of Baroda Advantage Credit Card

Online Application: Visit the BoB Financial Website and select the Advantage Credit Card.
Check Eligibility: Use the eligibility checker to confirm age, income, and other criteria.
Fill the Application Form: Provide personal details (name, contact number, email, address), employment info, and income details. Accuracy avoids delays.
Upload Documents: Submit digital copies of Aadhaar, PAN, and income proof securely through the portal.
E-Sign with Aadhaar: Authenticate the application by e-signing with Aadhaar OTP.
Video KYC Verification: Schedule and complete a Video KYC session for identity confirmation as per regulatory norms.
Submit Application: Review and submit the form; receive an application reference number via SMS/email for tracking.
Offline Application: Visit any Bank of Baroda branch.

Locate Branch: Use the bank’s branch locator or customer care to find the nearest branch.
Request Application Form: Collect and fill out the BoB Advantage Credit Card form.
Submit Documents: Provide self-attested photocopies of Aadhaar, PAN, income proof (salary slips or ITR), and complete KYC.
Verification: The branch verifies documents and may perform telephonic or in-person verification.
Submit Form: Hand over the completed application and documents; get a reference number for tracking.

Application Status Tracking:

Online: Visit www.bobfinancial.com, use the "Track Your Application" feature with your reference number.
SMS: Send “STATUS XXXX” (last four digits of application) from your registered mobile.
Customer Care: Call the Bank of Baroda Advantage Credit Card helpline for updates.

Card Activation:

Online Portal/App: Log in to activate and set your PIN.
ATM: Perform a transaction or generate a Green PIN at any BoB ATM.

Post-Application Tips:

Keep documents ready and updated to avoid delays.
Maintain a credit score of 750+ for faster approval.
Ensure all details match government records exactly.
Follow up regularly via the tracking tools.

Common Challenges & Solutions:

Document Rejection: Provide recent (utility bills < 3 months), clear documents.
Eligibility Issues: If ineligible, consider the BoB Prime Credit Card (secured by fixed deposit).
Technical Issues: Contact customer care for online application support or apply during off-peak hours.

Benefits of Online Application:

Paperless, secure, and faster processing.

Eligibility Criteria for Bank of Baroda Advantage Credit Card

1. Age Requirements
- Primary cardholder: 21–65 years
- Add-on cardholders: Minimum 18 years
- Suitable for young professionals and mid-tier users
2. Income Requirements
- Salaried & Self-employed: Minimum annual income of ₹3 lakh
- Income proof required: Salary slips, bank statements, ITRs
3. Employment Status
- Salaried: Stable employment with proof
- Self-employed: Minimum 2 years of business with valid ITRs or audited accounts
4. Credit Score & History
- Preferred CIBIL score: 750+
- No history of defaults or late payments on existing loans or cards
- Credit utilization below 30% preferred
5. Residency Status
- Applicant must be a resident of India with valid address proof
- NRIs are not eligible for this card
6. Existing Relationship with Bank of Baroda
- Having BoB accounts (savings, FD, loans) improves approval chances
- Pre-approved offers may be available for existing customers
7. Documentation Requirements
- Identity proof (Aadhaar, PAN, Passport, etc.)
- Address proof (utility bills, Aadhaar, Passport)
- Income proof (salary slips, bank statements, ITRs)
- Employment proof (offer letter, business registration documents)
8. Corporate Eligibility
- Companies with turnover ≥ ₹2 crore and paid-up capital ≥ ₹25 lakh can apply
- Cards can be issued to employees under corporate accounts
9. Credit Limit Considerations
- Credit limit depends on income, credit score, and liabilities
- Higher income and better credit profile → higher initial limits
10. Application Process
- Online applications require Aadhaar for e-sign and Video KYC
- Offline applications require branch visit and document verification
11. Special Considerations for Students
- Add-on cards available for students aged 18+ with verifiable income source
- Primary cardholder must be an eligible adult
12. Tips to Improve Eligibility
- Maintain a good credit score by paying dues timely
- Keep credit utilization below 30%
- Ensure stable income and employment history
- Maintain an active relationship with BoB
13. Customer Support and Eligibility Check
- Check eligibility online at the Bank of Baroda website
- Look for pre-approved offers via BoB app or website
- Visit nearest BoB branch or call customer care for guidance

Documents Required for Bank of Baroda Advantage Credit Card

1. Identity Proof (Any One):
- Aadhaar Card: Mandatory for online applications due to e-sign and Video KYC requirements.
- PAN Card: Required for all applications to verify tax status and financial identity.
- Passport: Valid for both Indian residents and as a secondary ID.
- Voter’s ID Card: Acceptable for identity verification.
- Driving License: A valid license can serve as both identity and address proof.
2. Address Proof (Any One, not older than 3 months):
- Aadhaar Card: If the address is updated, can serve as both identity and address proof.
- Utility Bills: Electricity, water, or telephone bills.
- Passport: Valid passport with current address.
- Voter’s ID Card: If it includes the current address.
- Bank Account Statement: Recent statement from a recognized bank.
- Ration Card: Acceptable for address verification.
- Letter from Public Authority: Letter from a recognized public authority or gazetted officer.
3. Income Proof:
- Salaried:
  - Last three months’ salary slips showing stable income.
  - Salary certificate from employer stating annual income.
- Self-Employed:
  - Latest Income Tax Return (ITR) or Form 16.
  - Profit and loss statements or balance sheets.
- Bank Statements: Last six months showing consistent income credits.
4. Photographs:
- Two recent passport-sized photos for both online and offline applications.
- Digital photo upload allowed during Video KYC.
5. Application Form:
- Duly filled and signed application form is mandatory.
- Online applications are completed digitally on the BoB Financial website.
- Offline forms can be obtained at any Bank of Baroda branch.
6. Additional Documents for Corporate Applicants:
- Business Registration Proof (Certificate of Incorporation or Partnership Deed).
- Last two years’ audited financial statements showing ₹2 crore turnover.
- Board Resolution authorizing the application and card issuance.
- PAN Card of the company for tax and identity verification.
7. Document Submission Guidelines:
- All photocopies must be self-attested.
- Ensure documents are clear and readable.
- Utility bills and other documents should be recent (within 3 months).
- Scan documents in PDF or JPEG format for online uploads.
- Submit original copies for offline verification and retain copies.
8. Common Document Issues and Solutions:
- Expired IDs should be renewed before submission.
- Address mismatch can be fixed by updating Aadhaar or submitting rental agreement.
- Incomplete income proof can be supplemented with bank statements.
- Use high-resolution scans to avoid blurry images.
9. Document Verification Process:
- Online applications verified via Video KYC and backend checks.
- Offline applications verified by branch officials with original documents.
10. Tips for Smooth Document Submission:
- Organize all documents before applying.
- Verify document requirements at www.bobfinancial.com.
- Contact customer care at 1800-103-1006 for clarifications.
11. Special Considerations:
- Students applying for add-on cards may need parental income proof.
- Self-employed applicants may be asked for additional business documents.
- Existing BoB customers may require fewer documents due to pre-verified data.
12. Digital Document Management:
- Cardholders can upload or update documents post-application via the BoB Advantage Card portal.
- This is useful for limit increase requests or add-on card applications.

Factors to Consider for the Bank of Baroda Advantage Credit Card

Reward Points Suitability:
The BoB Advantage Card rewards and cashback system is tailored for everyday spending, offering 5X points on groceries, departmental stores, and movies. If your spending aligns with these categories, the card is highly rewarding. However, if you primarily spend on travel or luxury purchases, premium cards like the BoB Eterna Credit Card may be more suitable.
Annual Fee and Waiver Conditions:
The Bank of Baroda Advantage Card annual fee waiver requires ₹35,000 in annual spends, which is achievable for moderate users. The first-year fee reversal (₹6,000 within 60 days) is also reasonable. Evaluate your spending habits to ensure you can meet these thresholds to avoid the ₹500 annual fee.
Fuel Surcharge Waiver Benefits:
The BoB Advantage Credit Card fuel surcharge waiver of 1% (up to ₹250 per cycle) is valuable for frequent drivers. If fuel expenses are a significant part of your budget, this feature offers tangible savings. However, if you rarely drive, this benefit may be less relevant.
Credit Limit Flexibility:
The Bank of Baroda Advantage Card limit is based on your income and credit profile. The option for a Bank of Baroda Advantage Card limit increase provides flexibility, but approval depends on your repayment history and financial stability. Assess whether the initial limit meets your needs or if you’ll need to request an increase.
EMI Conversion Feasibility:
The BoB Credit Card EMI options for purchases above ₹2,500 are ideal for managing large expenses. However, the nominal interest rates on EMIs should be compared with personal loan rates to ensure cost-effectiveness. This feature is beneficial if you frequently make high-value purchases.
Interest-Free Period:
The up to 50-day interest-free period is a significant advantage for managing short-term credit. Ensure you can pay the full balance by the due date to avoid the 3.49% monthly finance charge (41.88% annually), which is relatively high compared to some competitors.
Insurance Coverage Value:
The complimentary ₹15 lakh air accident and ₹5 lakh non-air accident coverage adds value, especially for travelers. However, evaluate whether this coverage is sufficient or if you need additional insurance through other cards or policies.
Add-On Card Utility:
The three free add-on cards are ideal for families sharing expenses. Consider whether family members will use the card responsibly, as the primary cardholder is liable for all transactions. This feature is less relevant for single users.
Security and Fraud Protection:
The EMV chip, contactless technology, and zero liability on lost card features ensure robust security. If you frequently shop online or travel, these protections are critical. Compare this with other cards to ensure it meets your security expectations.
Global Acceptance:
The Visa or MasterCard backing ensures worldwide acceptance, making the card suitable for international travel or online purchases. If you travel frequently, confirm the 2% forex markup fee is competitive compared to travel-focused cards.
Customer Support Accessibility:
The Bank of Baroda Advantage Credit Card contact customer care service and SMS-based queries offer reliable support. Assess whether 24/7 accessibility meets your needs, especially if you require frequent assistance.
Digital Banking Integration:
The BoB Advantage Card login and payment portal and mobile app provide seamless account management. If you prefer digital banking, this feature is a significant advantage. Ensure you’re comfortable with online platforms before applying.
Comparison with Other Cards:
The Bank of Baroda Advantage Card vs other credit cards offers a balanced mix of rewards, fuel savings, and low fees. Compared to the HDFC Freedom Card or SBI SimplyCLICK Card, it has a lower income threshold and broader document acceptance but fewer travel perks. Evaluate your priorities (e.g., rewards vs. travel benefits) to choose the best card.
Spending Habits Alignment:
Analyze your monthly spending to determine if the BoB Advantage Credit Card aligns with your lifestyle. If groceries, movies, and departmental stores dominate your expenses, the card’s rewards are highly beneficial. Otherwise, consider cards with broader reward categories.
Financial Discipline:
Credit cards require responsible usage to avoid debt. The BoB Advantage Credit Card’s high finance charges (41.88% annually) and late payment fees necessitate timely payments. Assess your ability to clear balances monthly to maximize benefits.

Frequently Asked Questions (FAQs) - Bank of Baroda Advantage Credit Card

1. What is the Bank of Baroda Advantage Credit Card?

The Bank of Baroda Advantage Credit Card is an entry-level credit card designed to offer users essential features like interest-free credit, cash advance options, and the ability to earn reward points on eligible transactions. It's ideal for those looking to build or improve their credit profile.

2. Who is eligible to apply for the Bank of Baroda Advantage Credit Card?

To be eligible, applicants must be:

A resident Indian
At least 18 years old
Have a regular income (salaried or self-employed)
Possess a good credit score (typically 700+)

Bank of Baroda may also consider other financial and personal factors during approval.

3. Is there an annual fee for the Advantage Credit Card?

Yes. The Bank of Baroda Advantage Credit Card usually comes with a nominal annual fee. However, in some cases, this fee may be waived off if the cardholder reaches a certain minimum spending threshold within the year.

4. What is the credit limit on the Bank of Baroda Advantage Card?

The credit limit is decided by the bank based on the applicant’s income, credit score, and repayment history. It is generally reviewed periodically and may be increased upon request and eligibility.

5. Does the Advantage Credit Card offer reward points?

Yes, cardholders earn reward points on eligible purchases. These reward points can be accumulated and later redeemed for various gifts, merchandise, or services through the bank’s rewards portal.

6. Is the Advantage Credit Card accepted internationally?

Yes, the Bank of Baroda Advantage Credit Card is accepted globally at all merchant outlets and online platforms that accept Visa or MasterCard (depending on the variant issued).

7. What are the interest charges on the outstanding balance?

The monthly interest rate can vary but typically ranges from 2.99% to 3.49% per month (approx. 35.88% to 41.88% annually), depending on your usage and repayment behavior. It’s advisable to pay the outstanding amount in full to avoid interest.

8. What is the interest-free period on the card?

Cardholders get an interest-free credit period of up to 50 days on retail purchases, provided the previous month’s outstanding balance is paid in full by the due date.

9. Can I withdraw cash using the Advantage Credit Card?

Yes, you can withdraw cash from ATMs using the card. However, cash advances attract interest from the date of withdrawal and also involve a cash advance fee, usually around 2.5% of the amount (subject to a minimum fee).

10. How do I apply for the Bank of Baroda Advantage Credit Card?

You can apply online via the official Bank of Baroda website or visit the nearest BoB branch. The application process involves submission of identity, address, and income proofs along with a duly filled form.

11. What should I do if my credit card is lost or stolen?

In case your card is lost or stolen, you should immediately contact the Bank of Baroda customer care or use their mobile banking app/website to block the card and prevent any unauthorized transactions.

12. Does the card offer EMIs for purchases?

Yes, select high-value purchases can be converted into easy monthly installments (EMIs) through the bank’s EMI facility. You can choose a repayment tenure that suits your financial planning.

13. How can I check my Bank of Baroda credit card statement?

You can access your monthly credit card statement via:

Email (if you have opted for e-statements)
BoB mobile banking app
BoB Internet banking
Customer care service or branch visit

14. What are the late payment charges?

Late payment charges vary depending on the outstanding amount. They typically start from ₹100 for lower balances and increase with the due amount. Delayed payments may also attract additional interest.

15. Can I get add-on cards with the Advantage Credit Card?

Yes, the Bank of Baroda offers free add-on cards to your family members (usually above 18 years of age). These cards share the same credit limit and benefits as the primary card.

List of Bank of Baroda Advantage Credit Card Branches in Tamil Nadu

Tamil Nadu - Gudiyatham Branch
Tamil Nadu - Hosur Branch
Tamil Nadu - Jayankondam Branch
Tamil Nadu - Kallakurichi Branch
Tamil Nadu - Kanchipuram Branch

Tamil Nadu - Karaikal Branch
Tamil Nadu - Karaikudi Branch
Tamil Nadu - Karur Branch
Tamil Nadu - Keelakarai Branch
Tamil Nadu - Krishnagiri Branch

Tamil Nadu - Kumbakonam Branch
Tamil Nadu - Madurai Branch
Tamil Nadu - Annanagar Madurai Branch
Tamil Nadu - Madurai Kamaraj Salai Branch
Tamil Nadu - Chokkikulam Branch

Tamil Nadu - Ponmeni Branch
Tamil Nadu - Ellis Nagar - Madurai Branch
Tamil Nadu - Mayiladuthurai Branch
Tamil Nadu - Mettupalayam Branch
Tamil Nadu - Nagapattinam Branch

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