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Features of Bank of Baroda Select Credit Card
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Reward Points Structure:
The Bank of Baroda Select Credit Card offers a robust reward points system that incentivizes spending across various categories. Cardholders earn 1 reward point for every ₹100 spent on general retail transactions, covering a wide range of purchases such as groceries, apparel, and entertainment. For specific categories like online shopping, dining, and utility bill payments, the card provides 5X reward points, equating to 5 reward points per ₹100 spent. This accelerated earning rate is particularly beneficial for individuals who frequently shop online, dine out, or pay utility bills, as it maximizes the value derived from regular spending. -
Fuel Surcharge Waiver:
One of the standout features of the Bank of Baroda Select Credit Card is its 1% fuel surcharge waiver on fuel transactions between ₹400 and ₹5,000 at all fuel stations across India. This waiver is capped at a maximum of ₹250 per billing cycle, providing significant savings for cardholders who frequently refuel their vehicles. The waiver applies to transactions at any fuel pump, making it a convenient feature for commuters and travelers alike. This benefit reduces the overall cost of fuel purchases, enhancing the card's value for those with high fuel consumption.
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- Contactless Payment Technology: The card is equipped with contactless payment technology, allowing users to make quick and secure transactions by simply tapping the card at compatible point-of-sale (POS) terminals. This feature supports transactions up to ₹5,000 without requiring a PIN, streamlining the payment process for small, everyday purchases.
- Interest-Free Credit Period: The Bank of Baroda Select Credit Card offers an interest-free credit period of up to 50 days from the date of purchase, provided the outstanding balance is paid in full by the due date. This feature allows cardholders to manage their cash flow effectively, as they can make purchases without incurring interest charges for nearly two months.
- EMI Conversion Facility: For high-value purchases, the card provides an EMI conversion facility for transactions of ₹2,500 or more. Cardholders can convert these transactions into easy equated monthly installments (EMIs) with tenures of 6 or 12 months. This feature is ideal for managing large expenses, such as buying appliances, furniture, or funding travel.
- Add-On Cards: The card allows up to three lifetime-free add-on cards for family members, including spouses, parents, siblings, or children above 18 years of age. These add-on cards share the primary card's credit limit and reward points pool, enabling family members to make purchases while consolidating rewards under one account.
- Personal Accidental Death Cover: The Bank of Baroda Select Credit Card includes a complimentary personal accidental death insurance cover, providing financial protection to the cardholder's family in the event of an unfortunate incident. This inbuilt insurance cover enhances the card's value by offering peace of mind without additional premiums.
- Zero Liability on Lost Card: In case the card is lost or stolen, the Bank of Baroda Select Credit Card offers zero liability on fraudulent transactions, provided the loss is reported immediately to the bank. This feature ensures that cardholders are not financially responsible for unauthorized charges, enhancing security and trust.
- International Acceptance: The card is internationally accepted at millions of merchant outlets and ATMs worldwide, making it a reliable companion for global travelers. However, international transactions incur a 3.5% foreign currency markup fee, and cardholders must enable international usage through the bank's portal or customer care before traveling.
- Fees and Charges Structure: The card comes with a first-year joining fee of ₹750 + GST and a renewal fee of ₹750 + GST, which can be waived if the cardholder spends ₹7,500 within 60 days of issuance and ₹70,000 annually. This fee structure makes the card accessible as a lifetime-free option for active users who meet the spending thresholds.
- Online Account Management: Cardholders can manage their Bank of Baroda Select Credit Card through the BOB Financial website or mobile app, which offers features like viewing statements, tracking transactions, redeeming reward points, and paying bills. The digital platform supports seamless account management, allowing users to monitor spending, set transaction alerts, and update card settings.
- Security Features: The card incorporates advanced security measures, including EMV chip technology and PIN-based authentication, to protect against fraud and unauthorized access. The EMV chip ensures that card data is encrypted during transactions, reducing the risk of skimming.
- UPI Integration: The Bank of Baroda Select Credit Card can be linked to UPI platforms, allowing cardholders to make quick and secure payments using UPI apps like BHIM, Google Pay, or PhonePe. This feature simplifies small transactions, such as paying at local stores or transferring money.
- Customer Support Access: The card is backed by 24/7 customer support through the bank's toll-free number 1800-225-100 and email (ccb@bobcards.com). Cardholders can seek assistance for queries related to transactions, reward redemption, EMI conversion, or card replacement.
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- Fuel Cost Savings: The 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 is a key benefit for cardholders with vehicles.
- Financial Flexibility with EMI Options: The card’s EMI conversion facility for purchases of ₹2,500 or more provides significant financial flexibility. Cardholders can spread the cost of high-value purchases, such as electronics.
- Interest-Free Credit Period: The up to 50-day interest-free credit period is a major benefit for cardholders who pay their balance in full by the due date.
- Lifetime-Free Add-On Cards: The provision of up to three lifetime-free add-on cards for family members (spouse, parents, siblings, or children above 18) is a cost-effective benefit.
- Complimentary Insurance Cover: The personal accidental death insurance cover included with the card provides financial security for the cardholder’s family at no additional cost.
- Zero Liability Protection: The zero liability on lost or stolen cards ensures that cardholders are not financially responsible for fraudulent transactions, provided the loss is reported promptly. .
- Savings on Annual Fees: The card’s joining fee of ₹750 + GST and renewal fee of ₹750 + GST can be waived by meeting specific spending thresholds: ₹7,500 within 60 days for the joining fee and ₹70,000 annually for the renewal fee.
- Convenience of Contactless Payments: The contactless payment feature allows cardholders to make quick transactions up to ₹5,000 without entering a PIN, streamlining payments at busy retail outlets, cafes, or public transport.
- Global Usability: The card’s international acceptance at millions of merchants and ATMs worldwide makes it a valuable tool for travelers. While a 3.5% foreign currency markup fee applies, the ability to use the card globally.
- Digital Management Tools: The BOB Financial website and mobile app provide cardholders with comprehensive tools to manage their accounts. Users can view statements, track transactions, redeem reward points, pay bills.
- UPI Payment Integration: The ability to link the card to UPI platforms offers a modern payment solution for small transactions. Cardholders can use UPI apps to pay merchants or transfer money, leveraging the card’s credit limit.
- Robust Customer Support: This benefit ensures that cardholders can resolve issues, such as transaction disputes, reward queries, or card replacement, at any time.
- Budgeting and Tracking: The card’s monthly statements provide a detailed record of transactions, helping cardholders monitor spending, create budgets, and track reward points.
- Fuel Cost Savings: The 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 is a key benefit for cardholders with vehicles.
