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Features of Bank of Baroda EMI Credit Card

  • EMI Conversion Options:
    The Bank of Baroda EMI Credit Card offers three distinct EMI options: Instant EMI (convert at point of sale with 13-15% interest), Post Purchase EMI (convert transactions above ₹2,500 after purchase with 2% processing fee), and No Extra Cost EMI (zero or low interest at select merchants). This flexibility makes it one of the best Bank of Baroda Credit Cards for managing large purchases.
  • Flexible Tenure Options:
    Cardholders can choose repayment periods from 6 to 36 months (up to 48 months for specific transactions), allowing them to tailor EMIs to their budget. The minimum transaction amount for EMI conversion is ₹2,500, excluding categories like gold, jewelry, and fuel purchases.
Bank of Baroda Premier Credit Card
    • Flexible Tenure Options: One of the defining features of the Bank of Baroda EMI Credit Card is its flexible tenure options, ranging from 6 to 36 months, with some cards offering up to 48 months for specific transactions. This allows cardholders to choose a repayment period that aligns with their financial planning. For instance, shorter tenures (6 or 12 months) are ideal for smaller purchases, while longer tenures (24 or 36 months) suit high-value items like electronics or furniture. The BoB Credit Card EMI repayment options ensure that cardholders can tailor their EMI plans to their budget, minimizing financial strain.
    • Minimum Transaction Amount: To avail of the BoB Credit Card EMI facility, the minimum transaction amount is set at ₹2,500 for Post Purchase EMI conversions. This threshold ensures that the facility is used for significant purchases, such as appliances, gadgets, or travel expenses, while keeping smaller transactions outside the EMI scope to avoid unnecessary interest costs. The Bank of Baroda EMI Card eligibility for this feature is straightforward, requiring only that the transaction meets the minimum amount and is not in an excluded category like gold, jewelry, fuel, or cash withdrawals.
    • Interest Rates and Charges: The Bank of Baroda Credit Card EMI interest rate varies based on the EMI option and tenure. For Instant EMI, rates range from 13% to 15% per annum, while Post Purchase EMI may carry a slightly higher effective rate due to the processing fee. The Bank of Baroda EMI Card charges are transparent, with a 2% processing fee (minimum ₹100) for Post Purchase EMI and a flat 16% interest rate for Instant EMI across tenures. For No Extra Cost EMI, the effective interest is often nullified by merchant discounts, making it a cost-effective choice. Cardholders can use the Bank of Baroda Credit Card EMI calculator available on the bank’s website to estimate their monthly payments and total interest.
    • Exclusions from EMI Conversion: Certain transactions are ineligible for the BoB Credit Card EMI conversion process, including purchases of gold, jewelry, fuel, and cash withdrawals. This restriction ensures that the EMI facility is used for retail purchases that align with the bank’s risk management policies. Cardholders should verify the eligibility of their transactions before attempting to convert them into EMIs, as attempting to convert ineligible transactions may result in rejection.
    • Online and Offline Accessibility: The BoB EMI Credit Card is designed for seamless use across both online and offline platforms. For online purchases, cardholders can select the Pay via EMI option at checkout on partner e-commerce portals, provided the merchant supports the Bank of Baroda Credit Card EMI facility. Offline, cardholders can request EMI conversion at thousands of partnered merchant outlets across India, covering categories like electronics, furniture, and travel. This dual accessibility enhances the card’s utility, making it a preferred choice among the best banks for EMI Credit Cards in India.
    • Integration with Digital Platforms: The Bank of Baroda EMI Credit Card is fully integrated with the bank’s digital platforms, including the bob World app and BOBCARD customer portal. Cardholders can manage their EMI requests, track transactions, and calculate EMIs using the Bank of Baroda Credit Card EMI calculator through these platforms. The BoB Credit Card EMI online apply feature allows users to initiate EMI conversions without visiting a branch, enhancing convenience and efficiency.
    • Reward Points and Cashback: Many BoB EMI Credit Cards, such as the BoB Easy Credit Card and BoB Premier Credit Card, offer reward points on transactions, including those converted to EMIs. For example, the BoB Premier Credit Card provides 5x reward points on dining, travel, and international transactions, which can be redeemed as cashback or other benefits. Additionally, cashback offers are available on select EMI transactions, especially during promotional periods, further enhancing the value of the BoB EMI Card benefits.
    • Add-On Cards and Shared Limits: The Bank of Baroda EMI Credit Card supports up to three lifetime-free add-on cards for family members, including spouses, parents, siblings, or children above 18 years. These add-on cards share the primary card’s credit limit, allowing family members to make purchases that can also be converted into EMIs. This feature is particularly beneficial for households managing shared expenses, as it extends the BoB Credit Card EMI facility to multiple users under one account.
    • Complimentary Insurance and Security Features: The BoB EMI Credit Card includes complimentary personal accidental death cover, providing financial protection to the cardholder’s family. Additionally, the card offers zero liability on lost or stolen cards, provided the loss is reported promptly. These security features, combined with contactless payment capabilities, make the Bank of Baroda EMI Credit Card a secure and reliable choice for modern consumers.
    • Comparison with Competitors: When compared to other EMI credit cards, such as the Bank of Baroda EMI Card vs HDFC EMI Card or BoB Credit Card EMI vs SBI EMI Card, the BoB EMI Credit Card stands out for its flexible tenure options and transparent fee structure. While HDFC and SBI offer similar EMI facilities, BoB’s No Extra Cost EMI and integration with digital platforms provide a competitive edge, positioning it among the best EMI Credit Cards in India – Bank of Baroda.
Premier Card Benefits

Benefits of the Bank of Baroda EMI Credit Card

  • 1. Deferred Payment Flexibility:
    • Convert large purchases into affordable EMIs spread over 6-36 months
    • Reduces immediate financial burden for high-value items like electronics or furniture
    • Choose tenure that matches your cash flow with flexible repayment options
  • 2. No Extra Cost EMI Advantage:
    • Available at select merchants and during promotional periods
    • Effectively interest-free as bank/merchant absorbs the cost
    • Great for festive season shopping or new product launches
    • No Extra Cost EMI Advantage: The No Extra Cost EMI option is a standout benefit of the BoB EMI Credit Card, allowing cardholders to convert purchases into EMIs without incurring interest or processing fees in certain cases.
    • Enhanced Purchasing Power: The BoB EMI Credit Card enhances cardholders’ purchasing power by allowing them to buy high-value items without immediate full payment. This is particularly beneficial for aspirational purchases.
    • Reward Points and Cashback Incentives: Many Bank of Baroda EMI Credit Cards offer reward points on transactions, including those converted to EMIs. For instance, the BoB Easy Credit Card provides 5x reward points on grocery.
    • Interest-Free Credit Period: The Bank of Baroda EMI Credit Card offers an interest-free credit period of up to 50 days, provided the full outstanding balance is paid by the due date.
    • Convenience of Digital Management: The BoB EMI Credit Card is seamlessly integrated with the bank’s digital platforms, including the bob World app and BOBCARD customer portal. Cardholders can manage their EMI requests.
    • Fuel Surcharge Waiver: The Bank of Baroda EMI Credit Card offers a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 at fuel stations across India. While fuel transactions are not eligible for EMI conversion.
    • Add-On Cards for Family: The Bank of Baroda EMI Credit Card supports up to three lifetime-free add-on cards for family members, such as spouses, parents, siblings, or children above 18 years.
    • Competitive Edge Over Competitors: When compared to other EMI credit cards, such as the Bank of Baroda EMI Card vs HDFC EMI Card or BoB Credit Card EMI vs SBI EMI Card, the BoB EMI Credit Card offers unique advantages.
    • Support for Financial Planning: The Bank of Baroda Credit Card EMI calculator is a powerful tool that supports financial planning by allowing cardholders to estimate their monthly EMIs based on the loan amount, and tenure.
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How to Apply for Bank of Baroda EMI Credit Card

  • Online Application Process:
    • Visit the official BOBCARD website or Bank of Baroda website.
    • Locate the credit card section and select an EMI-supported card like BoB Easy Credit Card, BoB Premier Credit Card, or BoB Prime Credit Card.
    • Review card features and select the one that suits your needs.
    • Click “Apply Now” and fill in personal details matching your KYC documents.
    • Upload required documents: ID proof, address proof, income proof.
    • E-sign the application using OTP on your registered mobile number.
    • Submit the form and receive an application reference number via SMS/email.
  • Offline Application Process:
    • Visit the nearest Bank of Baroda branch with your KYC documents.
    • Consult a bank executive to choose the right EMI credit card variant.
    • Fill out the physical application form accurately.
    • Submit self-attested photocopies of documents and complete KYC.
    • Open a fixed deposit if applying for BoB Prime Credit Card (if required).
    • Track application status via SMS or email after submission.
  • SMS-Based Application:
    • Send “Apply” from your registered mobile number to the designated Bank of Baroda SMS service.
    • Receive a callback for further guidance on document submission and KYC.
  • Post-Application Steps for EMI Facility:
    • Instant EMI at Purchase: Select Pay via EMI at partnered merchants and choose your BoB EMI Credit Card.
    • Post Purchase EMI Conversion: Use BOBCARD customer portal or bob World app to convert eligible transactions to EMI.
    • Email Request: Send transaction details and preferred tenure via email to the bank for EMI conversion.
  • Tips for a Successful Application:
    • Verify eligibility: Age 18–65 years, income, and credit score.
    • Prepare documents in advance: digital copies for online, physical for offline.
    • Track application status with the reference number on the BOBCARD website or via customer care.
    • Understand charges: 2% processing fee for Post Purchase EMI, 16% flat interest for Instant EMI.

Eligibility Criteria for Bank of Baroda EMI Credit Card

  • 1. Age Requirements
    • Applicants must be between 18 and 65 years old (both primary and add-on cardholders).
    • For premium cards like BoB Corporate Premium Credit Card, the upper age limit may extend to 85 years based on financial profile.
    • Ensures legal capability to enter credit agreements and sufficient earning potential.
  • 2. Income Criteria
    • BoB Easy Credit Card: Minimum annual income ₹2.5 lakh (salaried), ₹3 lakh (self-employed).
    • BoB Premier Credit Card: Minimum ₹6 lakh (salaried), ₹7.5 lakh (self-employed).
    • BoB Prime Credit Card: Issued against fixed deposit ₹15,000 or more, income proof may not be required.
    • BoB Corporate Premium Credit Card: Companies need paid-up capital ≥ ₹25 lakh, net worth ≥ ₹50 lakh, credit facility of ₹1 crore, and BoB rating ≥ 6.
    • Income thresholds ensure cardholders can afford EMI repayments.
  • 3. Credit Score and History
    • Preferred credit score: 750 or above (CIBIL, Experian, Equifax).
    • Applicants should have low outstanding balances and low debt-to-income ratio.
    • Responsible credit management increases approval chances.
  • 4. Employment Status
    • Salaried Individuals: Stable job with reputable employer, minimum 6 months continuous employment, consistent salary credits.
    • Self-Employed Individuals: Stable income with 2+ years of business/profession supported by ITR or financials.
    • BoB Prime Credit Card suits self-employed with fixed deposits.
  • 5. Residency Status
    • Applicants must be Indian residents or NRIs with valid Indian address and banking relationship.
    • NRIs may need additional income proof or local guarantor.
    • EMI facility primarily for domestic use, international transactions eligible above ₹2,500.
  • 6. Existing Banking Relationship
    • Not mandatory but improves approval chances.
    • Existing BoB savings, fixed deposits, loans, or current accounts preferred.
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Documents Required for Bank of Baroda EMI Credit Card

  • 1. Identity Proof (Any One):
    • PAN Card: Mandatory for all credit card applications to link financial transactions and tax records.
    • Aadhaar Card: Widely accepted, provided it is linked to the applicant’s mobile number for OTP-based authentication.
    • Passport: Valid for resident Indians and NRIs, especially for premium cards like BoB Premier Credit Card.
    • Voter’s ID Card: Alternative proof if passport or Aadhaar is unavailable.
    • Driving License: Valid license accepted as identity and address proof.
    • Other Government-Issued IDs: Central or state government photo IDs such as defense ID cards.
  • 2. Address Proof (Any One, recent):
    • Aadhaar Card: If not used as identity proof, can serve as address proof.
    • Passport: Valid with current address.
    • Voter’s ID Card: If not used for identity.
    • Driving License: Dual-purpose identity and address proof.
    • Utility Bills: Electricity, telephone, or water bills not older than 3 months.
    • Bank Account Statement: Last 3 months showing current address.
    • Ration Card: Accepted for some applicants.
    • Letter from Recognized Public Authority: Official letter verifying address.
  • 3. Income Proof:
    • For Salaried Individuals:
      • Salary slips for last 3 months.
      • Bank statements showing salary credits for 3–6 months.
      • Form 16 issued by employer.
    • For Self-Employed Individuals:
      • Income Tax Returns (ITR) for last 2 years.
      • Business financials such as profit & loss statements or audited accounts.
      • Bank statements for last 6 months reflecting business transactions.
    • Note: For BoB Prime Credit Card, income proof may be waived if fixed deposit of ₹15,000+ is provided as collateral.
  • 4. Additional Documents for Specific Cards:
    • BoB Corporate Premium Credit Card:
      • Company audited financial statements.
      • Credit facility proof (loan or overdraft).
      • BOB Rating Certificate (6 or above).
    • BoB Prime Credit Card:
      • Fixed Deposit receipt and account details.
  • 5. Photographs:
    • Two to three recent passport-sized color photographs.
    • Digital photo upload allowed for online applications.
  • 6. Tips for Document Submission:
    • All documents should be valid and recent (3–6 months where applicable).
    • Use clear, high-resolution digital copies for online uploads.
    • Ensure consistency of name and address across documents.
    • Keep your mobile linked to Aadhaar for OTP-based verification.
    • Review specific card requirements before submission.

Factors Affecting Approval for the Bank of Baroda Premier Credit Card

  • Credit Score and History:
    • Preferred credit score: 750+ (CIBIL, Experian, or Equifax).
    • High score reflects good repayment history and low risk.
    • Scores below 700 or defaults/missed payments reduce chances.
    • No credit history? Start with secured cards or timely loan repayments.
  • Income Stability and DTI Ratio:
    • Minimum income: ₹60,000/month (salaried/self-employed).
    • DTI (Debt-to-Income) ratio should be below 40%.
    • High EMIs relative to income indicate poor repayment capacity.
    • Stabilize income or reduce existing EMIs to improve approval odds.
  • Credit Utilization Ratio (CUR):
    • Maintain CUR below 30% for all existing credit cards.
    • High usage (e.g., 40%+) signals credit over-dependence.
    • Clear dues regularly and keep balances low to reflect discipline.
  • Number of Credit Cards and Inquiries:
    • Too many active cards with high balances raise red flags.
    • Frequent hard inquiries suggest credit hunger.
    • Apply selectively and maintain a good repayment track record.
  • Employment and Occupational Stability:
    • Salaried: 6–12 months with current employer preferred.
    • Self-employed: At least 1–2 years of stable income with documentation.
    • High-risk occupations may require stronger financial proofs.
  • Relationship with Bank of Baroda:
    • Having a savings account, FD, or loan with BoB improves chances.
    • Positive transaction history builds trust with the bank.
    • Pre-approved offers often given to existing customers.
  • Geographical Location:
    • Urban and metro residents face fewer restrictions.
    • Verify service availability if residing in rural or remote areas.
    • Stable address history (6–12 months) is preferred.
  • Legal and Financial History:
    • Past defaults, legal issues, or financial fraud lead to rejections.
    • Clear outstanding dues, taxes, or legal records before applying.
  • Application Accuracy:
    • Ensure accurate and consistent name, address, and income details.
    • Submit all mandatory documents (ID, income, address proof, etc.).
    • Incomplete or mismatched information can delay or reject your application.
  • Tips to Improve Approval Chances:
    • Boost credit score by reducing balances and paying on time.
    • Lower DTI and CUR to show financial discipline.

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

1. What is the Bank of Baroda EMI Credit Card?
The Bank of Baroda EMI Credit Card is a specialized credit card that allows you to convert your high-value purchases into easy monthly installments (EMIs) at affordable interest rates. It’s ideal for managing big-ticket purchases without straining your finances.
2. How does the EMI feature work on this card?
When you use the card for eligible purchases, you can choose to convert the amount into EMIs at the time of purchase or later via net banking or the mobile app. The tenure usually ranges from 3 to 24 months, depending on the transaction amount and terms.
3. Who is eligible to apply for the BoB EMI Credit Card?
You must be an Indian resident aged between 21 and 65 years, have a stable source of income (salaried or self-employed), and meet the Bank of Baroda’s creditworthiness criteria. A good credit score is also important for approval.
4. Is there any joining or annual fee?
The joining and annual fee for the BoB EMI Credit Card may vary depending on the card variant. Some versions may come with zero joining or annual charges as part of promotional offers. Always check the latest fee structure before applying.
5. Can I convert all transactions into EMIs?
Not all transactions are eligible for EMI conversion. Generally, purchases above a certain threshold (e.g., ₹2,500 or ₹5,000) can be converted into EMIs. Also, EMI conversion is typically allowed only at selected partner merchants or categories.
6. How can I convert a purchase into EMI?
You can convert a transaction into EMI via:
  • BoB mobile banking app
  • Net banking
  • Customer care helpline
  • SMS (if this feature is enabled for your card)
7. What are the interest rates applicable on EMIs?
Interest rates for EMIs vary based on tenure, transaction type, and ongoing promotional offers. The rate typically ranges from 13% to 24% per annum. Some purchases may also qualify for zero-cost EMI offers with select merchants.
8. Are there any foreclosure or prepayment charges?
Yes, if you decide to foreclose an EMI plan before the end of the tenure, Bank of Baroda may levy a foreclosure charge, generally around 3% to 5% of the outstanding principal. Always check the exact terms for your EMI plan.
9. What happens if I miss an EMI payment?
Missing an EMI payment will attract late payment charges and additional interest. It may also impact your credit score. Timely payments are essential to maintain a healthy credit profile.
10. Can I use the card for international purchases?
Yes, the Bank of Baroda EMI Credit Card can be used internationally, provided it is enabled for international usage. However, EMI conversion for international transactions may not be available.
11. How do I check the available credit limit on my card?
You can check your available credit limit through the BoB mobile banking app, internet banking portal, monthly statements, or by contacting customer service.
12. Can supplementary cards also use the EMI feature?
Yes, purchases made by supplementary cardholders can also be converted into EMIs, subject to eligibility. However, the primary cardholder will be responsible for managing and repaying the dues.
13. Is there a reward point system on this card?
Most BoB credit cards, including EMI variants, offer reward points on eligible purchases. However, transactions converted into EMI may earn fewer or no reward points depending on the card's terms.
14. How is the EMI reflected in my credit card statement?
Your credit card statement will show the EMI installment as a separate entry each month along with other charges. It will also show the outstanding EMI balance for your reference.
15. How can I apply for the Bank of Baroda EMI Credit Card?
You can apply online through the Bank of Baroda’s official website or by visiting your nearest BoB branch. Keep your PAN card, Aadhaar card, income proof, and address details ready for the application process.

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

  • Tamil Nadu - Nagercoil Branch
  • Tamil Nadu - Namakkal Branch
  • Tamil Nadu - Ooty Branch
  • Tamil Nadu - Palani Branch
  • Tamil Nadu - Panruti Branch
  • Tamil Nadu - Pattukottai Branch
  • Tamil Nadu - Perambalur Branch
  • Tamil Nadu - Perundurai Branch
  • Tamil Nadu - Pollachi Branch
  • Tamil Nadu - Pudukkottai Branch
  • Tamil Nadu - Rajapalayam Branch
  • Tamil Nadu - Ramanathapuram Branch
  • Tamil Nadu - Ranipet Branch
  • Tamil Nadu - Rasipuram Branch
  • Tamil Nadu - Salem Branch
  • Tamil Nadu - Sathyamangalam Branch
  • Tamil Nadu - Sivaganga Branch
  • Tamil Nadu - Sivakasi Branch
  • Tamil Nadu - Sriperumbudur Branch
  • Tamil Nadu - Tenkasi Branch