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Features of Bank of Baroda Premier Credit Card (Premium Lifestyle Card)

  • Reward Points Program:
    The Bank of Baroda Premier Credit Card offers 2 reward points for every ₹100 spent on most transactions. Earn 10 reward points (5X rewards) for travel, dining, and international spends, capped at 2,000 points monthly. New users get 500 bonus points for spending ₹5,000 within 60 days.
  • Complimentary Airport Lounge Access:
    Enjoy one domestic airport lounge visit per quarter (up to four annually) at select airports across India when you spend ₹20,000 in the previous quarter. Access over 35 lounges in 22 Indian cities.
  • Fuel Surcharge Waiver:
    Get 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 at fuel stations nationwide, with maximum benefit of ₹250 per billing cycle. This feature is particularly valuable for regular commuters.
  • RuPay Variant and UPI Integration:
    The RuPay variant allows linking to UPI apps like Google Pay, PhonePe, or Paytm for seamless digital payments. Supports contactless tap-and-pay transactions up to ₹5,000 without PIN.
  • Insurance and Security Features:
    Includes ₹10 lakh personal accidental death insurance and zero liability protection for lost/stolen cards. Features 3D Secure technology for safe online transactions with OTP authentication.
Bank of Baroda Premier Credit Card
    • EMI Conversion and Revolving Credit: Convert transactions above ₹2,500 into EMIs over 6-12 months for financial flexibility. The revolving credit facility allows paying just 5% of the outstanding balance (minimum due), with interest at 3.25% monthly (39% annually).
    • Add-On Cards: Get up to three lifetime free add-on cards for family members (spouse, parents, siblings, or children above 18). All cards share the primary credit limit and benefits.
    • Annual Fee Waiver: Joining fee of ₹1,000 + GST waived on spending ₹10,000 within 60 days. Annual fee of ₹1,000 + GST waived on ₹1,20,000 yearly spend, making it cost-effective for regular users.
    • International Usability: Enabled for global transactions with 3.5% forex markup fee. Must activate international usage via BOBCARD portal or customer care before traveling abroad.
    • 24/7 Concierge Service: Premium concierge assistance for travel bookings, dining reservations, and lifestyle services. Available round-the-clock for cardholders' convenience.
    • Interest-Free Credit Period: Up to 50 days interest-free credit when paying the full balance by the due date. Helps manage cash flow without additional costs.
    • Contactless Payments: Secure tap-and-pay feature at NFC-enabled terminals for transactions up to ₹5,000 without entering PIN. Faster and more convenient for in-store purchases.
    • Reward Redemption Options: Points can be redeemed for cashback, gift vouchers, flight/hotel bookings, or merchandise through the BOBCARD redemption portal.
    • Mobile Banking Integration: Manage card through bob World mobile app - track spends, redeem rewards, set transaction limits, and receive real-time alerts.
    • Purchase Protection: Select purchases made with the card are protected against damage or theft for initial period (terms apply). Provides peace of mind for valuable buys.
    • Balance Transfer Facility: Transfer outstanding balances from other credit cards at competitive interest rates to consolidate debt.
    • Easy Bill Payments: Pay utility bills, mobile recharges, and other expenses through the bob World app or net banking, earning reward points on eligible payments.
    • Flexible Payment Options: Multiple payment channels including net banking, mobile app, NACH, and standing instructions for hassle-free repayments.
    • Enhanced Security Features: Includes EMV chip technology, transaction alerts, and instant card blocking via app or customer care if lost/stolen.
    • Pre-Approved Loan Offers: Eligible cardholders receive pre-approved personal loan offers at competitive rates based on their credit usage and repayment history.
Premier Card Benefits

Benefits of Bank of Baroda Premier Credit Card (Premium Lifestyle Card)

  • 1. Enhanced Savings Through Rewards:
    • Accelerated Rewards: Earn 10 points/₹100 on travel, dining & international spends (capped at 2,000 points/month).
    • Welcome Bonus: 500 bonus points on spending ₹5,000 within 60 days of card issuance.
  • 2. Travel Perks for Frequent Flyers:
    • Lounge Access: One free domestic lounge visit per quarter (spend ₹20,000 in previous quarter).
    • Travel Insurance: Optional travel insurance coverage available at competitive rates.
  • 3. Financial Flexibility:
    • EMI Options: Convert purchases above ₹2,500 into easy EMIs over 6-12 months.
    • Revolving Credit: Pay minimum due (5% of balance) with interest at 3.25% monthly.
    • Fuel Cost Reduction: 1% fuel surcharge waiver on transactions ₹400-₹5,000, saving up to ₹250 monthly at petrol pumps across India.
    • Family-Friendly Benefits: Three lifetime free add-on cards for family members to share your credit limit and enjoy all card benefits.
    • Cost-Effective Fee Structure: Joining fee waived on ₹10,000 spend in 60 days; annual fee waived on ₹1,20,000 yearly spend - effectively free for active users.
    • Security and Insurance: ₹10 lakh personal accidental death cover plus zero liability protection against fraudulent transactions when reported promptly.
    • Digital Payment Convenience: RuPay variant supports UPI payments through apps like Google Pay, PhonePe for seamless digital transactions.
    • Contactless Payment Safety: Tap-and-pay feature for transactions up to ₹5,000 at NFC terminals - faster and more hygienic.
    • 24/7 Concierge Support: Dedicated assistance for travel bookings, dining reservations, and lifestyle services anytime, anywhere.
    • Interest-Free Credit Period: Up to 50 days interest-free when paying full balance by due date - great for managing cash flow.
    • Reward Redemption Flexibility: Points never expire and can be redeemed for cashback, vouchers, travel or merchandise as per your preference.
    • Mobile Banking Features: Comprehensive card management through bob World app - track spends, redeem rewards, set limits and get alerts.
    • Purchase Protection: Selected items bought with card covered against damage/theft for initial period (terms apply).
    • Balance Transfer Option: Consolidate debt by transferring balances from other cards at competitive rates.
    • Bill Payment Rewards: Earn points when paying utilities, mobile bills and other expenses through approved channels.
    • Global Acceptance: Widely accepted worldwide (with 3.5% forex markup) - ideal for international travelers.
    • Pre-Approved Loan Offers: Eligible for pre-approved personal loans based on your card usage and repayment history.
    • Enhanced Security: EMV chip, transaction alerts, and instant blocking via app provide peace of mind against fraud.
Check Best Gold Loan Offers

How to Apply for Bank of Baroda Premier Credit Card (Premium Lifestyle Card)

  • Online Application: Visit BOBCARD website → Credit Cards → Premier Credit Card → Apply Now.
  • Select the Card: Choose "Premier Credit Card" from the list and click "Apply Now".
  • Enter Basic Details: Provide your name, mobile number, email ID, DOB, and PIN code. Verify with OTP.
  • Complete Video KYC: Keep PAN and Aadhaar ready. Join a video call with a bank representative for KYC verification.
  • Submit Income Proof: Upload salary slips (last 3 months) or ITR (for self-employed) to verify income eligibility.
  • Application Review: Bank reviews application and credit score (CIBIL 750+ preferred). Approval typically takes 7-14 days.
  • Card Delivery: Upon approval, card is dispatched to your registered address within 7 working days.
  • Offline Application: Visit any Bank of Baroda branch.
    • Locate Branch: Use bank's website/app to find nearest branch with credit card services.
    • Submit Documents: Carry PAN, Aadhaar, address proof, and income documents. Fill application form.
    • KYC & Processing: Complete in-person verification. Bank processes application within 7-14 days.
  • Application Through Net Banking:
    • Log In: Access your Bank of Baroda net banking account.
    • Navigate: Go to "Credit Cards" section and select Premier Credit Card.
    • Apply: Complete pre-filled form, upload documents, and submit.
  • SMS Application:
    • Send SMS: Text "Apply" to 8885545255 from registered mobile.
    • Receive Call: Bank representative will call within 24-48 hours to guide through process.
  • Post-Application Steps:
    • Activate Card: Generate PIN via ATM, mobile banking, or IVR upon receipt.
    • Track Status: Use application reference number to check status online or via customer care.
    • First Use: Make initial transaction to activate reward points earning.
  • Tips for Smooth Application:
    • Ensure your credit score is 750+ before applying
    • Have all documents ready (PAN, Aadhaar, income proof)
    • Maintain stable employment/business for at least 1 year

Eligibility Criteria for Bank of Baroda Premier Credit Card (Premium Lifestyle Card)

  • 1. Age Requirement
    • Minimum age: 21 years (primary cardholder)
    • Maximum age: 65 years at time of application
    • Add-on cardholders must be at least 18 years old
  • 2. Income Requirements
    • Salaried individuals: Minimum ₹60,000 monthly income (₹7.2 lakh annually)
    • Self-employed: Minimum ₹7.2 lakh annual income verified by ITR
    • Income must be consistent for at least 1 year
  • 3. Credit Score
    • CIBIL/Experian/Equifax score of 750 or above preferred
    • No defaults or late payments in last 12 months
    • Credit utilization ratio below 30% ideal
  • 4. Employment Status
    • Salaried: Minimum 1 year with current employer
    • Self-employed: Business continuity of at least 2 years
    • Professionals (CA/doctors etc.): Practice for at least 2 years
  • 5. Residential Status
    • Must be resident of India
    • NRIs not eligible for this card variant
    • Stable residential address (minimum 1 year at current address)
  • 6. Existing Relationship with Bank
    • Existing Bank of Baroda customers may get preferential treatment
    • Maintaining savings account or FD with BoB improves chances
    • Pre-approved offers available for select customers
  • 7. Debt-to-Income Ratio
    • Should be below 40% (including proposed card limit)
    • All existing EMIs + credit card payments considered
    • Lower ratio increases approval chances
  • 8. Other Factors
    • No history of bankruptcy or loan defaults
    • No legal cases related to financial matters
    • Occupation stability (certain professions may face additional scrutiny)
    • Number of recent credit inquiries (avoid multiple applications)
  • 9. How to Check Eligibility
    • Use eligibility checker on BOBCARD website
    • Check for pre-approved offers in bob World mobile app
    • Visit branch for personalized eligibility assessment
Check Best Gold Loan Offers

Documents Required for Bank of Baroda Premier Credit Card (Premium Lifestyle Card)

  • 1. Proof of Identity (Any One):
    • PAN Card: Mandatory for all credit card applications as per RBI guidelines
    • Aadhaar Card: Preferred for e-KYC and Video KYC processes
    • Passport: Valid for both identity and address proof if current
    • Voter ID: Acceptable as secondary identity proof
    • Driving License: Valid if it contains photo and is current
  • 2. Proof of Address (Any One):
    • Aadhaar Card: Must contain current address (update if changed)
    • Passport: Address page must show current residence
    • Utility Bill: Electricity/water/gas bill not older than 3 months
    • Bank Statement: From another bank showing current address
    • Rental Agreement: Registered agreement if living in rented accommodation
  • 3. Income Proof (Salaried Individuals):
    • Salary Slips: Last 3 months' salary slips showing all deductions
    • Bank Statements: 6 months' statements showing salary credits
    • Form 16: From current employer for most recent financial year
    • Appointment Letter: Current company appointment letter (optional)
  • 4. Income Proof (Self-Employed):
    • ITR Returns: Last 2 years' Income Tax Returns with computation
    • Form 16A: If applicable for professional income
    • Business Proof: GST registration, trade license or partnership deed
    • Bank Statements: 12 months' business account statements
    • Audited Financials: For companies/corporates
  • 5. Additional Documents (If Applicable):
    • Existing Credit Card Statement: For card-to-card applications
    • Passport Size Photo: Recent color photograph
    • Employee ID Card: For salaried individuals (optional)
    • Business Cards: For self-employed professionals (optional)
  • 6. Document Submission Guidelines:
    • All copies must be self-attested with applicant's signature and date
    • Documents should be clear, legible and complete
    • Online applications require scanned copies (PDF/JPEG under 2MB)
    • Originals may be required for verification at branch
    • Ensure name consistency across all documents
  • 7. Special Cases:
    • New Employees: May need employment contract along with first salary slip
    • Professionals: May need degree certificates or practice licenses
    • High Net Worth Individuals: Additional wealth proof may be requested

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)

1. What is the Bank of Baroda Premier Credit Card?
The Bank of Baroda Premier Credit Card is a premium lifestyle credit card offered by BOBCARD, a subsidiary of Bank of Baroda. It is designed for frequent travelers, diners, and international spenders, offering rewards, travel perks, fuel surcharge waivers, and financial flexibility.
2. What are the key features of the card?
Key features include 2 reward points per ₹100 spent (10 points for travel, dining, and international spends, capped at 2,000 points monthly), one complimentary domestic lounge visit per quarter, 1% fuel surcharge waiver (up to ₹250 monthly), RuPay UPI integration, ₹10 lakh accidental death insurance, EMI conversion, three free add-on cards, and 24/7 concierge service.
3. How do I earn reward points on the card?
You earn 2 reward points for every ₹100 spent on most transactions, excluding fuel, utilities, and telecom. For travel, dining, and international spends, you earn 10 reward points per ₹100 (5X rewards), capped at 2,000 points monthly. New users get 500 bonus points for spending ₹5,000 within 60 days.
4. How can I redeem my reward points?
Reward points can be redeemed for cashback, gift vouchers, flight or hotel bookings, and merchandise via the BOBCARD portal. Each point is worth approximately ₹0.25.
5. What is the lounge access benefit?
Cardholders get one complimentary domestic airport lounge visit per quarter (up to four annually) at over 35 lounges in 22 Indian cities, provided they spend ₹20,000 in the previous quarter.
6. Which airports offer lounge access?
Lounge access is available at major airports like Mumbai, Delhi, Bangalore, Chennai, and 18 other cities. Check the BOBCARD website for the full list of eligible lounges.
7. What is the fuel surcharge waiver?
The card offers a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 at fuel stations nationwide, capped at ₹250 per billing cycle.
8. Does the card support UPI payments?
Yes, the RuPay variant can be linked to UPI apps like Google Pay, PhonePe, or Paytm for seamless digital payments.
9. What are the contactless payment features?
The card supports contactless payments at NFC-enabled terminals, allowing tap-and-pay transactions up to ₹5,000 without a PIN, subject to merchant capabilities.
10. What insurance coverage does the card provide?
The card includes ₹10 lakh personal accidental death insurance and zero liability protection for lost or stolen cards if reported promptly.
11. Can I convert purchases into EMIs?
Yes, transactions above ₹2,500 can be converted into EMIs over 6–12 months, offering flexibility for large purchases.
12. What is the revolving credit facility?
The revolving credit facility allows paying only the minimum amount due (typically 5% of the outstanding balance) and carrying forward the rest, subject to 3.25% monthly interest (39% annually).
13. Can I get add-on cards for family members?
Yes, up to three lifetime free add-on cards can be issued for family members (spouse, parents, siblings, or children above 18), sharing the primary card’s limit and benefits.
14. What are the fees for the card?
The joining fee is ₹1,000 + GST, waived on spending ₹10,000 within 60 days. The renewal fee is ₹1,000 + GST, waived on ₹1,20,000 annual spend.
15. Is the card accepted internationally?
Yes, the card is enabled for international transactions with a 3.5% foreign currency markup fee. Activate international usage via the BOBCARD portal or customer care.

List of Bank of Baroda Premier Credit Card in Andhra Pradesh

  • Andhra Pradesh - Addanki Branch
  • Andhra Pradesh - Adoni Branch
  • Andhra Pradesh - N T Road Adoni Branch
  • Andhra Pradesh - Akiveedu Branch
  • Andhra Pradesh - Alamuru Branch
  • Andhra Pradesh - Amalapuram Branch
  • Andhra Pradesh - Anantapur Branch
  • Andhra Pradesh - Tadpatri Branch
  • Andhra Pradesh - Subhas Road Anantapur Branch
  • Andhra Pradesh - Rudrampet Circle Ananthapuramu Branch
  • Andhra Pradesh - Akkayyapalem Branch
  • Andhra Pradesh - Asilmetta Branch
  • Andhra Pradesh - Elamanchili Branch
  • Andhra Pradesh - Gajuwaka Branch
  • Andhra Pradesh - Lawsons Bay Colony Branch
  • Andhra Pradesh - Madhuravada Branch
  • Andhra Pradesh - Bapatla Branch
  • Andhra Pradesh - Bhimavaram Branch
  • Andhra Pradesh - Chebrolu Branch
  • Andhra Pradesh - Renigunta Branch