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Features of Bank of Baroda Visa Signature Credit Card (Premium Lifestyle Card)

  • Global Acceptance and Versatility:
    The Bank of Baroda Visa Signature Credit Card is accepted at over 70 million merchant outlets worldwide, including both physical stores and online platforms. The card supports contactless payments via NFC technology for transactions up to ₹5,000 without entering a PIN.
  • Reward Points Program:
    Earn 2 Loyalty Points for every ₹100 spent on retail transactions, including shopping, dining, travel, and utility bill payments. Points can be redeemed for cashback, gift vouchers, merchandise, or travel rewards with no upper cap on point accumulation.
  • Cash Withdrawal Facility:
    Access up to 40% of your credit limit through ATMs worldwide. Cash advances incur a transaction fee (2.5% of withdrawn amount, minimum ₹300) and attract immediate interest at 2.6% monthly.
Bank of Baroda Premier Credit Card
    • Secure Transactions: EMV chip technology, Verified by Visa for online transactions, and zero liability protection against fraudulent transactions when reported promptly.
    • EMI Conversion Facility: Convert purchases above ₹2,500 into EMIs with tenures from 6-36 months. Interest rates for EMI conversions are typically lower than standard APR.
    • Add-On Cards: Issue up to three free add-on cards for family members (spouse, children above 18, or parents) sharing the primary card's credit limit and benefits.
    • Annual Fee Waiver: ₹1,000 + GST annual fee waived when spending ₹2 lakhs annually and paying bills on time. Effectively free for high spenders who meet the threshold.
    • Secure Transactions: Dedicated assistance through toll-free number (1800 223 224), email, and online chat for card-related queries and emergency services.
    • Contactless Payment Technology: Supports tap-and-pay at NFC-enabled terminals for quick transactions up to ₹5,000 without PIN authentication in India.
    • Zero Fuel Surcharge: 1% fuel surcharge waiver on transactions between ₹400-₹5,000 at petrol pumps, capped at ₹250 per billing cycle.
    • Bill Payment Convenience: Pay utility bills, mobile recharges via Visa Bill Pay service while earning reward points on eligible payments.
    • Customizable Credit Limit: Initial limit based on income and credit profile with option to request increases by submitting updated financial documents.
    • Digital Integration: Full integration with BOB World app and net banking for real-time transaction monitoring, bill payments, and reward redemptions.
    • Global Emergency Assistance: Visa's worldwide support for card replacement, emergency cash advances, and travel assistance when abroad.
    • Environmentally Conscious: EMV chip card with option for paperless statements to reduce environmental impact.
    • Enhanced Credit Score Potential: Responsible usage improves credit history, increasing eligibility for future loans and credit products.
    • Pre-Approved Loan Offers: Eligible for pre-approved personal loans based on card usage and repayment history.
    • Purchase Protection: Select purchases covered against damage or theft for initial period (terms and conditions apply).
Premier Card Benefits

Benefits of Bank of Baroda Visa Signature Credit Card (Premium Lifestyle Card)

  • 1. Financial Flexibility and Cash Flow Management:
    • Interest-Free Period: Up to 50 days interest-free credit when paying full balance by due date.
    • Revolving Credit: Pay minimum due (5% of balance) with interest at 2.6% monthly.
  • 2. Lucrative Reward Points System:
    • Earning Potential: 2 points per ₹100 spent on retail transactions with no upper cap.
    • Redemption Options: Cashback, gift vouchers, travel bookings, or merchandise.
    • Exclusive Visa Signature Privileges: Travel Perks: Discounts on hotels, car rentals, and priority pass access.Dining Offers: Special deals at premium restaurants globally.
    • Personal Accident Insurance: ₹50 lakh coverage for air accidents and ₹10 lakh for other accidental deaths at no additional cost.
    • Family Benefits: Three free add-on cards for family members to share credit limit and rewards.
    • Cost Savings: Annual fee waived on ₹2 lakh annual spend plus fuel surcharge waiver up to ₹250 monthly.
    • EMI Flexibility: Convert large purchases above ₹2,500 into affordable monthly installments.
    • Zero Liability: Protection against fraudulent transactions when reported promptly.
    • Global Acceptance: Accepted at 70+ million merchants worldwide with secure EMV chip technology.
    • Contactless Convenience: Tap-and-pay for transactions up to ₹5,000 without PIN entry.
    • Digital Management: Comprehensive card control through BOB World app - track spends, redeem rewards, set alerts.
    • Emergency Cash Access: Withdraw up to 40% of credit limit at ATMs worldwide during emergencies.
    • Credit Building: Responsible usage improves credit score for future financial products.
    • Sustainable Banking: Paperless statements and digital transactions reduce environmental impact.
    • Premium Customer Support: Dedicated 24/7 assistance via multiple channels for quick resolution.
Check Best Gold Loan Offers

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

  • Online Application: Visit BOBCARD website → Credit Cards → Visa Signature Credit Card → Apply Now.
  • Check Eligibility: Enter basic details (name, mobile, income) to verify you meet ₹12 lakh annual income requirement.
  • Complete Application: Fill form with personal, employment, and financial details. Ensure accuracy to avoid rejection.
  • Document Submission: Upload scanned copies of PAN, Aadhaar, income proof (salary slips/ITR), and address proof.
  • Video KYC: Complete video verification with bank representative using PAN and Aadhaar for identity confirmation.
  • Application Review: Bank processes application including credit score check (CIBIL 750+ preferred). Takes 7-14 days.
  • Card Delivery: Upon approval, card dispatched to registered address within 7 working days via secure courier.
  • Offline Application: Visit any Bank of Baroda branch with documents.
    • Locate Branch: Use bank's locator to find nearest branch offering credit card services.
    • Submit Documents: Carry original + copies of PAN, Aadhaar, income proof (last 3 months salary slips or 2 years ITR).
    • Form Submission: Fill physical application form with passport photo and submit to branch executive.
  • Through Net Banking:
    • Log In: Access your Bank of Baroda net banking account.
    • Navigate: Go to "Credit Cards" section → "Apply for New Card".
    • Pre-filled Form: Many details auto-populated from your account. Verify and submit.
  • SMS Application:
    • Send SMS: Text "SIGNATURE" to 8885545255 from registered mobile number.
    • Receive Call: Bank representative contacts within 24-48 hours to guide through process.
  • Post-Approval Steps:
    • Activation: Generate PIN via ATM, mobile banking, or IVR upon receipt.
    • First Transaction: Make initial purchase or ATM withdrawal to activate card features.
    • Digital Access: Register on BOB World app to manage card, redeem rewards, and set alerts.
  • Tips for Smooth Application:
    • Check credit score (CIBIL/Experian) before applying - aim for 750+
    • Ensure income documents clearly show ₹1 lakh+ monthly income
    • Maintain stable employment/business for at least 1-2 years
    • Clear existing credit card balances to improve credit utilization ratio

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

  • 1. Age Requirement
    • Primary cardholder: 18-65 years
    • Add-on cardholders: Minimum 18 years
    • Ideal applicants: 25-55 years with stable income
  • 2. Income Requirements
    • Minimum ₹12 lakh annual income (₹1 lakh monthly)
    • Salaried: Last 3 months salary slips showing ₹1 lakh+ monthly credit
    • Self-employed: 2 years ITR showing ₹12 lakh+ annual income
    • Consistent income for at least 1 year preferred
  • 3. Credit Score
    • CIBIL/Experian/Equifax score of 750+ strongly preferred
    • No defaults or late payments in last 12 months
    • Credit utilization below 30% of total limits
    • Limited hard inquiries (less than 3 in last 6 months)
  • 4. Employment Status
    • Salaried: Minimum 1 year with current employer (2+ years preferred)
    • Self-employed: Business continuity of 2-3 years with proper documentation
    • Professionals (CA/doctors etc.): Practice for minimum 2 years
  • 5. Residential Status
    • Must be resident of India (NRIs with Indian address can apply)
    • Stable residential address (minimum 1 year at current address)
    • Urban/metro locations preferred for serviceability
  • 6. Existing Relationship with Bank
    • Existing Bank of Baroda customers get preferential treatment
    • Maintaining salary account, FD, or loan with BoB improves chances
    • Pre-approved offers available for select customers in bob World app
  • 7. Debt-to-Income Ratio
    • Should be below 40% including proposed card limit
    • All existing EMIs + credit card payments considered
    • Lower ratio significantly increases approval chances
  • 8. Other Factors
    • No history of bankruptcy or loan write-offs
    • No legal cases related to financial matters
    • Occupation stability (certain high-risk professions may face additional scrutiny)
    • Number of active credit cards (too many may negatively impact)
  • 9. How to Check Eligibility
    • Use eligibility checker on BOBCARD website with basic details
    • Check for pre-approved offers in bob World mobile app/net banking
    • Visit branch for personalized eligibility assessment with relationship manager
    • Call customer care 8885545255 for preliminary eligibility check
Check Best Gold Loan Offers

Documents Required for Bank of Baroda Visa Signature Credit Card

  • 1. Proof of Identity (Any One):
    • PAN Card: Mandatory for all applications as per RBI guidelines
    • Aadhaar Card: Preferred for e-KYC with biometric verification
    • Passport: Valid for both identity and address proof if current
    • Driving License: Must contain photo and be currently valid
  • 2. Proof of Address (Any One):
    • Aadhaar Card: Must show current address (update if changed)
    • Passport: Address page must match current residence
    • Utility Bill: Electricity/water/gas bill not older than 3 months
    • Bank Statement: 6 months statement from another bank showing address
  • 3. Income Proof (Salaried Individuals):
    • Salary Slips: Last 3 months showing ₹1 lakh+ monthly income
    • Bank Statements: 6 months showing salary credits of ₹1 lakh+
    • Form 16: From current employer for most recent financial year
  • 4. Income Proof (Self-Employed):
    • ITR Returns: Last 2 years with computation showing ₹12 lakh+ income
    • Audited Financials: For companies/corporates with CA certification
    • Business Proof: GST registration, trade license or partnership deed
  • 5. Additional Documents (If Applicable):
    • Passport Photo: Recent color photograph for application form
    • Employment Proof: Appointment letter or employee ID (for new joiners)
    • Property Documents: Optional for high net worth individuals
  • 6. Document Submission Guidelines:
    • All copies must be self-attested with signature and date
    • Online applications require scanned copies (clear PDF/JPEG under 2MB)
    • Originals required for verification at branch or by field agent
    • Name consistency across all documents is crucial
  • 7. Special Cases:
    • NRIs: Additional documents like visa copy, overseas address proof
    • New Employees: May need employment contract + first salary slip
    • High Net Worth Individuals: Wealth proof like FD certificates, property papers

Factors for Bank of Baroda Visa Signature Credit Card

  • Credit Score:
    • Preferred CIBIL score: 750 or above.
    • Timely repayments, credit utilization below 30%, and diverse credit mix boost score.
    • Multiple recent inquiries and late payments can reduce eligibility.
  • Income Level:
    • Minimum annual income: ₹4,80,000.
    • Disposable income and income stability for 6 months (salaried) or 2 years (self-employed) are important.
  • Debt-to-Income Ratio:
    • Should be below 40% for favorable consideration.
    • High EMIs or credit card dues impact eligibility negatively.
  • Existing Credit Card Ownership:
    • Holding 4+ cards with high utilization is seen as risky.
    • Late or minimum payments affect approval chances.
  • Employment Stability:
    • 6–12 months with current employer preferred for salaried applicants.
    • Self-employed applicants need 2 years of continuous business operation.
  • Age Criteria:
    • Primary cardholders: 21–65 years; Add-on cardholders: 18+ years.
    • Younger applicants need strong income/stability; older applicants require post-retirement income proof.
  • Residency and Location:
    • Only for resident Indians in areas serviced by BoB.
    • Valid and verifiable residential address is required.
  • Credit History and Repayment Behavior:
    • No defaults or settlements in the last 24 months.
    • Clean repayment record enhances approval chances.
  • Relationship with Bank of Baroda:
    • Maintaining savings/fixed deposit/loan accounts with BoB helps.
    • Eligible for pre-approved offers based on account history.
  • Application Behavior:
    • Avoid applying to multiple cards simultaneously.
    • Ensure accurate and consistent application details.

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

1. What is the Bank of Baroda Visa Signature Credit Card?
The Bank of Baroda Visa Signature Credit Card is a premium credit card offered by Bank of Baroda through its subsidiary, BOBCARDS Ltd. It is designed for high-net-worth individuals, offering global acceptance, a robust reward points program, complimentary airport lounge access, personal accident insurance, and exclusive Visa Signature privileges such as discounts on travel, dining, and shopping. The card caters to affluent customers seeking financial flexibility and a luxurious lifestyle.
2. What is the annual income requirement for this card?
Applicants must have a minimum annual income of ₹12 lakhs (₹1 lakh per month) to qualify. Salaried individuals need recent salary slips or Form 16, while self-employed applicants must provide Income Tax Returns (ITRs) or audited financial statements.
3. What is the age eligibility for the card?
Primary applicants must be between 18 and 65 years old. Add-on cardholders must be at least 18 years old.
4. How many reward points are earned per transaction?
Cardholders earn 2 Loyalty Points for every ₹100 spent on retail transactions including shopping, dining, travel, and utility bill payments. There is no upper cap on points, which can be redeemed for cashback, gift vouchers, travel rewards, or merchandise.
5. What is the interest-free credit period offered?
Up to 50 days of interest-free credit, provided the full outstanding balance is paid by the due date.
6. What is the annual fee for the card?
₹1,000 plus applicable taxes, waived if cardholders spend at least ₹2 lakhs annually and pay bills on time.
7. How many add-on cards can be issued?
Up to three add-on cards for family members at no extra cost, sharing the primary card's credit limit.
8. What is the cash withdrawal limit?
Withdraw up to 40% of the credit limit from ATMs worldwide with a 2.5% transaction fee (min ₹300) and 2.6% monthly interest from withdrawal date.
9. What is the interest rate on unpaid balances?
2.6% monthly (31.2% annually) on outstanding balances not paid by due date.
10. What insurance coverage is provided?
Personal accident insurance: ₹50 lakhs for air accidental death and ₹10 lakhs for other accidental deaths. Coverage activates automatically upon card issuance.
11. How many complimentary airport lounge visits are offered?
2–4 complimentary visits per quarter at select domestic and international airports under the Visa Lounge Access Program.
12. What is the fuel surcharge waiver limit?
1% waiver on fuel transactions between ₹400 and ₹5,000, capped at ₹250 per billing cycle.
13. What is the minimum purchase amount for EMI conversion?
Purchases above ₹2,500 can be converted to EMI tenures ranging from 6 to 36 months with disclosed interest rates.
14. How many days does it take to process the application?
Typically 7–14 working days after submission and verification of documents.
15. What is the fee for de-blocking a card?
₹300 if the card is blocked due to non-payment of dues for two consecutive months. Dues must be cleared to reactivate.

List of Bank of Baroda Visa Signature Credit Card Branches in Telangana

  • Hyderabad - Kondapur Branch
  • Hyderabad - Koti Branch
  • Hyderabad - Kukatpally Branch
  • Hyderabad - Madhapur Branch
  • Hyderabad - Malakpet Branch
  • Hyderabad - Malkajgiri Branch
  • Hyderabad - Mehdipatnam Branch
  • Hyderabad - Nacharam Branch
  • Hyderabad - Nallakunta Branch
  • Hyderabad - Narayanguda Branch
  • Hyderabad - Punjagutta Branch
  • Hyderabad - S.D. Road Branch
  • Hyderabad - Sanathnagar Branch
  • Hyderabad - Secunderabad Branch
  • Hyderabad - Shaikpet Branch
  • Hyderabad - Somajiguda Branch
  • Hyderabad - SR Nagar Branch
  • Hyderabad - Uppal Branch
  • Hyderabad - Vanasthalipuram Branch
  • Telangana - Adilabad Branch