Select your profession
Enter Pincode
Personal Details
Features of Bank of Baroda RuPay Platinum Credit Card
-
Contactless Payment Technology:
The RuPay Platinum Credit Card from Bank of Baroda is equipped with Near Field Communication (NFC) technology, enabling contactless payments. This feature allows cardholders to make quick and secure transactions by simply tapping the card at compatible Point of Sale (POS) terminals. Contactless payments are ideal for small-value transactions, typically up to ₹5,000, without requiring a PIN, enhancing convenience at retail stores, cafes, and transit points. The card also supports traditional swipe-and-PIN transactions for higher-value purchases, ensuring versatility. -
Wide Acceptance Network:
One of the standout features of the RuPay Platinum Credit Card is its extensive acceptance both domestically and internationally. RuPay, backed by the National Payments Corporation of India (NPCI), is widely accepted across India at ATMs, POS terminals, and e-commerce platforms. Internationally, the card is accepted at merchants and ATMs displaying Discover, Diners Club International, or Pulse logos, making it a reliable companion for global travelers. This broad network ensures cardholders can use the card seamlessly for shopping, dining, travel, and online purchases worldwide.

-
- Reward Points Program: The card offers a robust reward points program, incentivizing spending across various categories. For every ₹100 spent, cardholders earn reward points, with accelerated points for dining, travel, and online shopping. For example, 5X points on departmental store purchases or movie ticket bookings. Points can be redeemed for cashback, merchandise, gift vouchers, or travel benefits without any maximum cap.
- Complimentary Lounge Access: Provides four complimentary domestic lounge visits per year (one per quarter) at select airports in India and one international lounge visit annually, enhancing the travel experience. Lounge access is managed via the RuPay network.
- Fuel Surcharge Waiver: Offers 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 at fuel stations across India, capped at ₹400 per billing cycle, applying to petrol and diesel.
- EMI Conversion Facility: Easy EMI option to convert transactions above ₹2,500 into EMIs for 6 to 36 months, suitable for big-ticket purchases like electronics, furniture, or travel bookings.
- In-Built Insurance Coverage: Personal Accident Insurance up to ₹2 lakh, activated by at least one successful transaction within 30 days prior to an incident, providing financial protection.
- Zero Liability on Lost Card: Zero liability for unauthorized transactions if reported promptly. Replacement card issued within 7 days to minimize disruption.
- Interest-Free Credit Period: Up to 50 days interest-free credit when the full balance is paid by the due date, helping manage cash flow without extra costs.
- Add-On Cards: Up to three lifetime-free add-on cards for family members above 18, sharing the primary credit limit and benefits for convenient family use.
- Security Features: Equipped with EMV chip, PIN, CVD2, and OTP for online security, complying with RBI guidelines to protect against fraud.
- Digital Integration: Seamlessly managed via bob World app and Internet Banking for tracking spends, payments, instant PIN generation, and card activation.
- Customizable Spending Limits: Set online, POS, and contactless transaction limits via bob World app or Internet Banking to control spending.
- Exclusive Merchant Offers: Access discounts and cashback with partners like AJIO, Meesho, EaseMyTrip, and Firstcry across categories such as fashion, travel, and baby products.
- UPI Integration: Link the card to UPI platforms for easy digital payments on apps like BHIM or Google Pay, facilitating small-value transactions.
- Flexible Billing Cycle: Choose a statement date to align with personal financial planning for timely payments and better expense management.
- Annual Fee Waiver: Annual fee waiver available on meeting a minimum spend threshold, typically ₹50,000 per year, rewarding active usage.
- Travel and Dining Benefits: Discounts on hotel bookings and dining at partner merchants enhance lifestyle benefits.
- Customer Support: 24/7 support via toll-free number (8885545255) for queries and assistance.

-
- Fuel Cost Reduction: The 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 is a practical benefit for vehicle owners.
- Flexible Payment Options: The Easy EMI conversion facility allows cardholders to convert large purchases into affordable monthly installments.
- Enhanced Security and Peace of Mind: The zero liability on lost card feature protects cardholders from financial losses due to unauthorized transactions, provided the loss is reported promptly.
- Interest-Free Credit Facility: The up to 50 days interest-free credit period is a major benefit for managing cash flow.
- Family-Friendly Add-On Cards: The provision of up to three lifetime-free add-on cards allows cardholders to extend the card’s benefits to family members.
- Exclusive Discounts and Offers: The card provides access to exclusive merchant offers in collaboration with NPCI and RuPay.
- Seamless Digital Experience: Integration with the bob World app and bob World Internet Banking ensures a seamless digital experience.
- Cost-Effective Fee Structure: The card’s annual fee waiver (on spending ₹50,000 annually) makes it cost-effective for active users.
- UPI Payment Convenience: The ability to link the card to UPI platforms is a modern benefit, enabling quick and secure payments for small-value transactions.
- Lifestyle Enhancements: The card enhances the cardholder’s lifestyle through travel and dining discounts. Offers on hotel bookings, restaurant bills, and entertainment platforms.
- Insurance and Safety Benefits: In addition to Personal Accident Insurance, the card’s EMV chip and multi-factor authentication (PIN, CVD2, OTP) ensure high security for transactions.
- Customizable Financial Control: The ability to set spending limits for online, POS, and contactless transactions empowers cardholders to manage their finances effectively.
- Support for MSMEs: For small business owners or MSMEs, the card offers benefits like easy EMI options and reward points on business spends, supporting operational expenses.
- Environmental and Social Responsibility: By promoting digital payments and reducing cash usage, the card aligns with India’s push for a cashless economy.
- Round-the-Clock Support: The 24/7 customer support through Bank of Baroda’s toll-free number and email ensures cardholders can resolve issues or seek assistance at any time.
- Activation and Usage Incentives: The card may offer activation bonuses, such as 1000 reward points for a single transaction of ₹1000 within 45 days of issuance.
- Global Usability: The card’s international acceptance at Discover, Diners Club, and Pulse networks ensures it can be used for travel, shopping, and dining abroad.