Bank of Baroda, a state-owned Indian banking and financial services institution, has earned its reputation as one of the most trusted banks in the country. With years of dedicated service, this public sector bank has become a symbol of reliability and excellence. Customers rely on the bank for its comprehensive range of services, and its credit card offerings are no exception.
An impressive selection of Bank of Baroda credit cards designed to simplify and enhance your life. Whether you're looking for benefits that align with your lifestyle, travel preferences, or business requirements, the bank has the perfect card for you. From Signature, Platinum, and Titanium cards to Corporate Premium and co-branded options, Bank of Baroda caters to a wide range of needs, ensuring there’s something for everyone.
If you’re feeling overwhelmed by the choices, don’t worry—this article will guide you in selecting the perfect Bank of Baroda credit card to meet your specific needs.
Top Best Bank of Baroda Credit Cards 2025
Get to know all about Bank of Baroda Credit Cards right here. Each card comes with its perks, like cashback, rewards, or travel benefits. So, if you want to find the perfect card to match your lifestyle and spending habits, keep reading below. It’s all about making your life easier and your wallet happier!
| Card Name | Fees | Welcome Benefits |
|---|---|---|
|
Joining Fee Rs.2499 Renewal Fee Rs.2499 Add-on Fee- Nil |
Complimentary 6-Month Fitpass Pro Membership Worth Rs.15,000 |
|
|
Bank of Baroda Easy Credit Card |
First Year Fee Rs.- 500 Annual Fee -Rs. 500 |
NIL |
|
Joining Fee - Rs.500 Annual fees - Rs.350 |
Get 500 joining bonus reward points when you spend Rs.5,000 or more within 60 days of card issuance. |
|
|
Bank of Baroda Premier Credit Card |
Joining Fee - Rs. 1,000 (Spend Rs.10,000 within 60 days to avail fee reversal.) Annual Fee - Rs. 1,000 (Spend Rs.1,20,000 within 60 days to avail fee reversal.) |
Enjoy 2,000 reward points as a welcome bonus. |
|
Bank of Baroda Select Credit Card |
Joining Fee - Rs. 750 Annual Fee - Rs. 750 |
Get fee reversal on spending Rs.7,500 within 60 days. Earn 5X rewards on online dining spending. Get 500 reward points on spending Rs.5,000 within 60 days of card issuance. |
|
Joining Fee - Nil Annual Fee- Nil |
FitPass Pro membership worth Rs.15,000 and 1,000 reward points. |
|
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Bank of Baroda ICSI Diamond Credit Card |
Annual Fee - NIL |
Enjoy 6 months of free FitPass Pro membership, worth Rs.15,000. |
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Joining Fee - Rs.1 Annual Fee - Nil |
NIL |
|
|
Bank of Baroda Vikram Credit Card |
Joining Fee - Nil Annual Fee - Nil |
3-month Disney+ Hotstar subscription. |
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Bank of Baroda Prime Credit Card |
Joining Fee - Nil Annual Fee - Nil |
NIL |
|
Joining Fee - Nil Renewal Fee - Rs.1,000 + GST |
Earn 500 reward points on spending Rs.5,000 within the first 60 days of card issuance. |
|
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Bank of Baroda Assure Credit Card |
Rs.500 |
- |
Benefits & Features of Bank Of Baroda Credit Cards
There are multiple Bank of Baroda credit cards and you can explore their features and benefits in detail. However, before applying for any credit card, you must also review the eligibility requirements.
Bank of Baroda Eterna Credit Card
You can earn thousands of reward points through the Eterna Credit Card and can also enjoy unlimited access to the airport lounges. Here are some of the features of this credit card:-
- 3 Reward Points for every Rs.100 spent, 15 Reward Points per Rs.100 on travel, international transactions, dining, and online shopping, with 4 Reward Points equal to Re. 1
- Free unlimited domestic lounge access by spending Rs.40,000 in the previous quarter
- Buy 1 Get 1 Free movie ticket offer when booking via Paytm Movies, with a maximum discount of Rs.250 on the second ticket
- 1% fuel surcharge waiver on transactions of Rs.400 or more, up to Rs.250 per month.
Bank of Baroda Easy Credit Card
This credit card allows you to accrue a lot of reward points for department store and grocery purchases. Some features of this card are given below:-
- 1 Reward Point for every Rs.100 spent and 5x points on spending at grocery stores, departmental stores, and movies, with bonus points capped at 1,000 per month. Additionally, 5% cash back on credit card bill payments
- Enjoy no fuel surcharge on transactions between Rs.400 and Rs.5,000
- Coverage of up to Rs.15 lakh for air accidents and up to Rs.5 lakh for other accidents
- Convert purchases above Rs.2,500 into EMIs with a tenure of 6 to 12 months.
IRCTC BOB Credit Card
Discover the IRCTC Bank of Baroda Credit Card – Tailored exclusively for train enthusiasts and frequent travelers, offering exclusive benefits and rewards for seamless railway experiences.
- Earn up to 40 reward points for every Rs.100 spent on IRCTC ticket bookings.
- Get 4 reward points for every Rs.100 spent at grocery and retail stores.
- Enjoy a 1% fuel surcharge waiver, capped at Rs.100 per statement cycle.
Bank of Baroda Premier Credit Card
This credit card gives you free access to airport lounges and the ability to accrue reward points.
- 4 complimentary domestic lounge accesses on spending Rs.20,000 in the previous quarter
- Fuel surcharge waiver on transactions of Rs.500 to Rs.4,000 at all petrol pumps, capped at Rs.250 per month
- 2 reward points for every Rs.100 spent on every other purchase
- Reward earnings 10x on international spending, online travel aggregators, and dining capped at 2,000 points
- Redeem rewards for gift vouchers and merchandise
- Convert purchases above Rs.2,500 into easy EMIs of 6-12 months.
Bank of Baroda Select Credit Card
The Select Credit Card gives you the privilege to earn many reward points and you can redeem them to buy the vouchers.
- Convert purchases of Rs.2,500 and above into easy EMIs of 6-12 months
- Redeem earned reward points as cashback and more
- 0.5% cashback on bill payments made in your next statement
- Fuel surcharge waiver for transactions between Rs.400 to Rs.5,000 at all fuel stations in India
- 5x reward points on every Rs.100 spent at departmental stores, movies, and groceries
- Free reversal or waiver on spending Rs.7,500 in 6 months or Rs.70,000 in a year
- 3 lifetime-free add-on cards for your family members.
Bank of Baroda ICAI Exclusive Credit Card
This credit is the best for Chartered Accountants because it gives many benefits to them.
- 5 reward points per Rs.100 on dining, online spending, and utility bill payments, 1 reward point per Rs.100 on other purchases (1 reward point = Rs.0.25), and 1,000 reward points for making 5 transactions of Rs.1,000 or more each month
- 12 free domestic lounge visits annually, with up to 3 visits per quarter, upon spending a minimum of Rs.40,000 in the previous quarter
- Foreign transactions incur a 2% fee.
- 4,000 reward points each quarter for spending over your credit limit.
- For transactions between Rs. 400 and Rs. 5,000, the fuel cost is waived, with a ceiling of Rs. 250 for each statement cycle.
Bank of Baroda ICSI Diamond Credit Card
This BOB Credit Card is loaded with a lot of features and benefits and the Company Secretaries can apply for this credit card.
- 5 reward points for every Rs. 100 spent on dining, online, and utility bills
- Get 999 bonus points for 5 transactions of Rs. 1000 or more each month
- 12 complimentary domestic lounge accesses (3 per quarter) on spending Rs. 40,000 in the previous quarter
- Save 2% on forex markup with the ISCI Diamond Credit Card for international spending
- 1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 5,000 at fuel stations across India. The maximum waiver will be Rs. 250 per statement cycle
- Rs. 5 lakh professional indemnity insurance, Rs. 15 lakh air accident death cover, and Rs. 5 lakh non-air accident death cover.
Bank of Baroda CMA One Credit Card
The Cost Accountants can apply for this credit card because it has a lot of privileges for them. You can have free access to the airport lounges and have a luxurious experience.
- Earn 5 reward points for every Rs. 100 spent on dining, online, and utility bills.
- Get 1,000 bonus points for 5 transactions of Rs. 1,000+ each month.
- Enjoy 12 free domestic lounge accesses (min. Rs. 40,000 spent in the previous quarter).
- Pay a low 2% markup fee on international spending.
- Get 6 months of FitPass Pro membership (worth Rs. 15,000) for free.
- Up to 3-lifetime free add-on credit cards.
Note: From January 2025, a 1% processing fee will apply on wallet loading, utility transactions above Rs. 50,000, and fuel transactions above Rs. 10,000.
Bank of Baroda Vikram Credit Card
Introducing Bank of Baroda Vikram Credit Card – Exclusively crafted for Defence Personnel, providing tailored benefits and financial support for those who serve our nation.
- 5 reward points for every Rs. 100 spent on groceries, movies, and departmental stores
- 1% fuel surcharge waiver (up to Rs. 250) on transactions between Rs. 400 and Rs. 5,000 at fuel stations across India
- Convert purchases of Rs. 2,500+ into Smart EMIs (6-36 months)
- Free accidental death insurance cover (Air & Non-Air) of Rs. 20 lakh for family protection
- 5 reward points per Rs. 100 spent on groceries, movies, and departmental stores (up to 1,000 points/month)
- 1 reward point per Rs. 100 spent in other categories.
- After 1,000 points, the regular rate of 1 point per Rs. 100 applies
Bank of Baroda Prime Credit Card
The Bank of Baroda Prime Credit Card is a secured card, issued against a fixed deposit of Rs. 15,000 or more. It offers cashback on purchases, fuel surcharge waivers, and free add-on cards.
- Minimum Fixed Deposit of Rs. 15,000 required
- Cashback on all spends
- No joining or annual fees
- Fuel surcharge waiver
- Guaranteed issuance
- Up to 50 days of interest-free period
- Up to 3 free add-on cards
- Zero liability on lost cards
Bank of Baroda Corporate Premium Credit Card
The BOBCARD Corporate Credit Card offers zero joining fees, providing benefits to both corporations and employees. It helps businesses track expenses and manage employee spending.
- Redeem reward points with multiple options (1 point = Rs. 0.25)
- Earn 1 reward point for every Rs. 100 spent
- Air and non-air accident death insurance coverage
- 8 complimentary domestic lounge accesses annually (2 per quarter)
Bank of Baroda Assure Credit Card
Bank of Baroda Assure Credit Card, is your reliable financial companion designed to offer assurance and convenience in every transaction. Unlock a world of financial possibilities with a card that understands and supports your needs.
- Zero fuel surcharge with a 1% waiver on all fuel transactions
- Purchases above Rs.2,500 can be converted into easy EMIs (6 or 12 months)
- Redeem rewards and loyalty points for cash back or other exciting choices
- Up to 3 free add-on cards for spouses, children (18+), parents, or siblings
- Zero liability on fraudulent transactions if the card loss is reported immediately
- 50 days of credit without interest after the date of purchase
- Accidental death insurance: Rs.15 lakh for air accidents, Rs.5 lakh for other accidents
- Revolve credit by paying the minimum amount due
- Special discounts on dining, travel, shopping, and airline tickets.
Bank of Baroda Credit Card Eligibility
Eligibility criteria to apply for a Bank of Baroda Credit Card -
| Particulars | For BOB Credit Cards |
|---|---|
|
Minimum Age |
18 years |
|
Maximum Age |
65 years |
|
Employment status |
Self-employed or salaried individuals |
*Eligibility criteria vary by card. Please visit the Bank of Baroda website or contact the bank for more details. Here are some of the examples. *
|
Credit Cards |
Income/Salary |
|---|---|
|
Bank of Baroda Eterna Credit Card |
Minimum annual income Rs. 12 lakhs for salary and self-employed. |
|
Bank of Baroda Premier Credit Card |
Minimum annual income Rs. 12 lakhs or above. |
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Bank of Baroda Select Credit Card |
Minimum annual income Rs. 3 lakhs and above. |
|
Bank of Baroda Easy Credit Card |
Minimum annual income Rs. 3 lakhs and above. |
Bank Of Baroda Credit Card Features
Bank of Baroda (BOB) offers a variety of credit cards designed for different customer needs, such as rewards, travel, shopping, and lifestyle benefits. Below are some key features and benefits of BOB credit cards:
General Features
- Wide Range of Cards: Options include lifestyle cards, travel cards, shopping cards, and co-branded cards.
- Global Acceptance: BOB credit cards are accepted globally at millions of merchant outlets and ATMs.
- Contactless Technology: Tap-and-pay feature for quick, secure transactions.
Benefits
Rewards Program
- Earn reward points on every transaction, redeemable for a variety of options such as shopping, travel, or cashback.
- Bonus points for specific spending categories like dining, travel, and online shopping.
Travel Benefits
- Complimentary airport lounge access on select premium cards.
- Discounts on flight tickets and hotel bookings through partner portals.
- Foreign exchange mark-up fee waivers on international transactions for select cards.
Shopping & Cashback
- Cashback offers on online and offline purchases.
- Discounts on partner brands, e-commerce platforms, and grocery stores.
- EMI conversion for high-value purchases.
Lifestyle Privileges
- Dining offers: Up to 20% off at partner restaurants.
- Movie discounts via platforms like BookMyShow.
- Access to exclusive events and experiences.
Insurance Coverage
- Complimentary insurance coverage, including personal accident insurance and credit shield in case of unforeseen circumstances.
Fuel Surcharge Waiver
- Save on fuel transactions at petrol stations across India with a fuel surcharge waiver on eligible cards.
Easy EMI Options
- Convert big-ticket purchases into easy EMIs at low interest rates.
Contactless Payments
- Secure and fast transactions for payments under Rs.5,000 without requiring a PIN.
Secure Transactions
- Advanced security features, including OTP verification and EMV chip technology.
Factors That Might Affect Credit Card Eligibility
Here are some of the factors that might affect Bank of Baroda Credit Card Eligibility:
- Income: Minimum annual income as per card requirements.
- Credit Score: A good credit score (750+ preferred).
- Age: Applicants must meet the age criteria (usually 21-65 years).
- Employment Type: Salaried or self-employed with a stable income.
- Existing Debt: A lower debt-to-income ratio improves chances.
- Documentation: Proper submission of required documents.
- Residence: Must reside in locations serviced by the bank.
Bank of Baroda Credit Card Limit
You would be given a limit based on your income and credit score. You need to earn more and have a significantly greater credit score to get a higher credit limit on your BoB credit card. A greater limit doesn’t mean you should consume most of that by spending injudiciously. This can lead to late payment, interest, and charges in the subsequent billing cycle. So, spend wisely to leave with sufficient balance to ensure the payment on time and boost your credit score.
Bank of Baroda Credit Card Apply Online
No need to visit the bank branches to access the application form as you can do so online using the internet connection on a mobile or desktop.
Online Bank of Baroda Credit Card Application Process:
- Visit the bank's official website and select "Apply" under the "Credit Cards" tab.
- Enter your personal, financial, and employment details.
- After selecting the credit card of your choice, click "Check Eligibility."
- Verify your mobile number with the OTP sent to complete the application.
- The bank/NBFC will contact you to schedule a visit for physical document verification.
- A field agent will visit your location to complete the process.
- Activate your credit card and begin using it as soon as it is accepted.
Bank of Baroda Credit Card Apply Offline
Offline Application Process:
- Visit the issuing bank in person or apply over the phone with customer service.
- Fill out the application form with personal details such as name, address, DOB, PAN, employer name, job title, and annual salary.
- Submit the form for processing. The issuer will contact you with a decision.
- If approved, your credit card will be delivered by mail within a few weeks.
Check Bank of Baroda Credit Card Status
After the application is made, you would most likely be concerned about its status, won’t you? And guess what, you can check it online.
- Visit the Bank of Baroda website.
- Enter the application number, PAN number, or mobile number.
- After you enter these three, click on the ‘Get Details’ button.
- The status would then be shown on the screen.
- You can call or visit the bank branch to know the status.
Bank of Baroda Credit Card Customer Care Number
Receive instant BoB Credit Card account services on your registered mobile number through SMS. For balance inquiries, block lost or stolen cards, reward point summaries, statement summaries, set domestic ecom limit to credit limit, and payment details.
- Send an SMS to 9223172141
- Toll-Free Numbers 1800-103-1006 / 1800-225-100
Enjoy hassle-free 24*7 support with our IVR self-service. Quick solutions with self-service options, including a balance enquiry, card block, pin generation/reset, last 3 transactions, and card status. Applicable for additional services like card replacement, loyalty point redemption, and post-purchase EMI booking.
Summing Up!
Bank of Baroda credit cards offer a comprehensive suite of features and benefits, catering to diverse needs such as rewards, travel, shopping, and lifestyle privileges. With global acceptance, robust reward programs, travel perks like lounge access, fuel surcharge waivers, and attractive EMI options, these cards combine convenience and value. They also provide enhanced security with EMV chip technology and contactless payments. Whether you're looking for everyday savings, exclusive lifestyle offers, or travel benefits, BOB credit cards deliver flexibility and reliability for a seamless financial experience.
FREQUENTLY ASKED QUESTIONS
1. Who all are eligible for the Bank of Baroda Credit Card?
The minimum age requirement to apply for a credit card is 21 years, with the maximum age limit being 60 years. For a student credit card, the minimum age is 18 years.
2. Which Bank of Baroda credit card is free of cost?
The BOB Prime Credit Card is a lifetime free credit card, offering a range of benefits including reward points, exclusive offers, and a host of privileges. It provides customers with various advantages like discounts on shopping, dining, and more, without any annual or renewal fee.
3. What are the steps to check the Bank of Baroda credit card limit?
To check the credit limit of your Bank of Baroda (BoB) credit card:
- Visit the Bank of Baroda net banking portal.
- Log in to your account using your credentials.
- Navigate to the "Credit Card" section.
- Select the specific credit card you want to check the limit for.
4. How many days will it take to validate Bank of Baroda Credit card applications?
It takes approximately 20 days for the Bank of Baroda to review the documents and process a credit card application. For assistance with your BoB credit card, you can contact customer care at 1800-103-1006 or 1800-225-10.
5. What is the minimum cibil score required for a Bank of Baroda credit card?
A minimum CIBIL score of 750 is required to apply for a Bank of Baroda credit card.
6. What is the maximum cash withdrawal limit of the Bank of Baroda Credit Card?
The cash withdrawal limit on a Bank of Baroda credit card is determined by the bank and is typically 40% of the total credit limit. Many cardholders mistakenly assume that the entire credit limit is available for cash advances, but only a portion of it is allocated for this purpose.
