info@logintoloans.com +91 8885545255

Logintoloans Assistant

Select your profession

Salaried Icon Salaried
Business Icon Business
CA CA
Doctor Doctor
NRI NRI
School School
College College
Student Student

Enter Pincode

Personal Details

Key Features of Bank of Baroda Credit Cards

  • Multiple Variants: Premium, Travel, Shopping, Fuel, and more.
  • Reward Points: Earn on every spend, redeemable for gifts, vouchers, or cashback.
  • Contact less Payments: Tap-and-pay with NFC-enabled cards.
  • EMI Facility: Convert big purchases into easy installments.
  • Fuel Surcharge Waiver : Save on fuel transactions (applicable on select cards).
  • Zero Fraud Liability: Protection against unauthorized transactions.
  • Complimentary Airport Lounge Access: Available on premium cards.
  • Insurance Cover: Travel, purchase, and fraud protection.
Credit Card Promotion
Who We Are

Benefits of Bank of Baroda Credit Cards

  • Cashback & Discounts: Exclusive offers on dining, shopping, and travel.
  • Flexible Repayment: Choose between full payment or minimum due.
  • Global Acceptance: Use internationally (forex markup fees apply).
  • Easy Bill Payments: Pay via mobile app, net banking, or auto-debit.
  • Add-on Cards: Share benefits with family members.
  • Special EMI Offers: No-cost EMI on partner merchants.
Check Best Gold Loan Offers

How to Apply for Bank of Baroda Credit Card?

  • C2C (Card-to-Card) Application: Apply using an existing credit card (min. 6 months old).
  • Instant Approval: Get quick approval via pre-approved offers (if eligible).
  • Online Application: Apply through the Bank of Baroda website or mobile app with easy document upload.
  • Offline Application: Visit the nearest BOB branch with required KYC documents.

Eligibility Criteria

  • Age: 21 to 65 years (Primary), 18+ (Add-on).
  • Income: Salaried (Min. ₹15,000/month) & Self-employed (Min. ₹2 Lakh/year).
  • Credit Score: 750+ preferred for higher approval chances.
  • Documents Required: PAN, Aadhar, Income Proof, Bank Statements.
  • Residency: Applicant must be an Indian resident with a valid residential address and official ID proof.
Check Best Gold Loan Offers

Factors to Consider Before Applying

  • Interest Rate: Ranges from 1.5% to 3.5% per month (check exact rate before applying).
  • Annual Fee: Waived on spending a certain amount (varies by card type).
  • Late Payment Charges: Up to ₹500 + GST for missed payments.
  • Credit Limit: Based on income & credit history.
  • Reward Redemption Policy: Check expiry & redemption options.

Best Ways to Use Bank of Baroda Credit Card

  • Maximize Rewards: Use for groceries, fuel, and online shopping.
  • Avail Discounts: Check partner merchants for exclusive deals.
  • Travel Benefits: Book flights/hotels for lounge access & discounts.
  • Balance Transfer: Shift high-interest debt to save on interest.
  • Emergency Fund: Use for medical or urgent expenses.

Frequently Asked Questions

How to check Bank of Baroda credit card application status?
Visit the official website or call customer care 8885545255.
What is the credit limit on Bank of Baroda credit cards?
Starts from ₹25,000 & goes up based on income & credit score.
How to activate a Bank of Baroda credit card?
SMS ACT to 56161600 or use Net Banking/Mobile App.
How to pay Bank of Baroda credit card bill?
Via BoB World App, Net Banking, UPI, NEFT, or Auto-Debit.
Is there a joining fee waiver?
Yes, most cards offer a 1% waiver at fuel stations (min. transaction required).
Can I convert purchases into EMI?
Yes, via BoB World App or call customer care.
What is the reward redemption process?
Log in to BoB Rewards Portal & redeem points for gifts/vouchers.
How to report a lost/stolen credit card?
Call 8885545255 immediately for blocking.

List of Bank of Baroda Credit Cards in India