Bank of Baroda Credit Cards: A Comprehensive Guide
Introduction
Bank of Baroda (BoB) offers a diverse range of credit cards tailored to meet the varying needs of its customers. Whether you’re a frequent traveler, a movie buff, or someone who loves dining out, BoB has a credit card for you. This guide will walk you through the eligibility criteria, fees, benefits, and how to check your Bank of Baroda credit card application status.
Eligibility for BoB Credit Cards
To apply for a BoB credit card, you must meet the following criteria:
- You must be at least 18 years old.
- You should be either salaried or self-employed.
Fees for BoB Credit Cards
| Fee Type | Details |
|---|---|
| Joining Fee | Varies from card to card |
| Finance Charges | 3.49% to 41.88% |
| Cash Withdrawal Charges | 2.5% of the withdrawn amount |
| Foreign Currency Transaction Fee | 3.50% of the transaction amount |
Types of BoB Credit Cards
Bank of Baroda ETERNA Credit Card
Eligibility Criteria
- Age: 21 to 65 years
- Indian resident
- Salaried or self-employed with an income of ₹12 lakhs per annum or more
Documents Required
- PAN card
- Aadhaar Card, Passport, Driving License, or Voter ID
- Address Proof
- Income Proof
Annual Fees
| Fee Type | Primary | Add-on |
|---|---|---|
| First Year Fee | ₹2,499 | NIL |
| Annual Fee | ₹2,499 | NIL |
Benefits
- Travel Benefits
- Movie and Shopping Discounts
- Dining Experiences
- Milestone Rewards
- Fuel Surcharge Waiver
- Core Reward Points
- Smart EMI options
- Free add-on card
- In-built insurance cover
- Zero liability on lost card
- Redeem reward points for cashback
Bank of Baroda Premium Credit Card
Annual Fees
| Fee Type | Fee | Criteria |
|---|---|---|
| 1st Year Fee | ₹1,000 | Spend ₹10,000 within 60 days of card setup |
| Annual Fee | ₹1,000 | Spend ₹1,20,000 in a year |
Benefits
- 5X rewards on travel, dining, and international expenses
- Fuel Surcharge Waiver
- Contactless payment
- Zero annual fees based on usage
- Easy EMI options
- Multiple redemption points
- Free add-on card
- In-built insurance cover
- Zero liability on lost card
- Complimentary airport lounge visits
- Interest-free credit card facility
- Two reward points for every ₹100 spent on other categories
IRCTC BoB Credit Card
Eligibility Criteria
- Age: 21 to 65 years
- Indian resident
- Salaried or self-employed with an income of ₹3.6 lakhs per annum or more
Documents Required
- PAN card
- Aadhaar Card, Passport, Driving License, or Voter ID
- Current Address Proof
- Income Proof
- Company ID card and Visiting card
- Recent Passport Size photograph
Annual Fees
| Fee Type | Primary | Add-on |
|---|---|---|
| First Year Fee | ₹500 | NIL |
| Annual Fee | ₹350 | NIL |
Benefits
- Bonus Rewards
- Train journeys made easy
- Fuel Surcharge Waiver
- Extra Rewards
- Smart EMI options
- Free add-on card
- Zero liability on lost card
HPCL Bank of Baroda ENERGIE Credit Card
Eligibility Criteria
- Age: 21 to 65 years
- Indian resident
- Salaried or self-employed with an income of ₹3.6 lakhs per annum or more
Documents Required
- PAN card
- Aadhaar Card, Passport, Driving License, or Voter ID
- Address Proof
- Income Proof
- Current Address Proof
- Recent Passport Size Photograph
Annual Fees
| Fee Type | Primary | Add-on |
|---|---|---|
| First Year Fee | ₹499 | NIL |
| Annual Fee | ₹499 | NIL |
Benefits
- 2000 joining rewards
- 1% surcharge
- Annual Fee Waiver
- Three-lifetime free add-on cards
- Smart EMI options
Select Credit Card
Eligibility Criteria
- Age: 21 to 65 years
- Indian resident
- Salaried or self-employed with an income of ₹3.6 lakhs per annum or more
Documents Required
- PAN card
- Aadhaar Card, Passport, Driving License, or Voter ID
- Address Proof
- Income Proof
- Current Address Proof
- Recent Passport Size Photograph
Fees
| Fee Type | Fee | Criteria |
|---|---|---|
| First Year Fee | ₹750 | Spend ₹7,500 within the first 60 days of card setup |
| Annual Fee | ₹750 | Spend ₹70,000 in a year |
Benefits
- Fuel Surcharge Waiver
- Contactless payment
- Easy EMI options
- Five reward points for every ₹100 spent on dining, online purchases, and utility bills
- Zero annual fees based on usage
- One reward point for every ₹100 spent on other categories
- Multiple redemption options
- Free add-on card
- In-built insurance cover
- Interest-free card facility
- Revolving credit facility
- Zero liability on lost card
Easy Credit Card
Eligibility Criteria
- Age: 21 to 65 years
- Indian resident
- Salaried or self-employed with an income of ₹3.6 lakhs per annum or more
Documents Required
- PAN card
- Aadhaar Card, Passport, Driving License, or Voter ID
- Address Proof
- Income Proof
- Current Address Proof
- Recent Passport Size Photograph
Annual Fees
| Fee Type | Fee | Criteria |
|---|---|---|
| First Year Fee | ₹750 | Spend ₹6,000 within the first 60 days of card setup |
| Annual Fee | ₹750 | Spend ₹35,000 in a year |
Benefits
- Fuel-surcharge waiver
- Contactless payment
- Easy EMI options
- Five reward points on daily expenses
- Zero annual fees based on usage
- One reward point for every ₹100 spent on other categories
- Multiple redemption options
- Free add-on card
- In-built insurance cover
- Interest-free card facility
- Revolving credit facility
- Zero liability on lost card
Swavlamban Credit Card
Benefits
- Fuel Surcharge Waiver
- Contactless payment
- Easy EMI options
- Zero annual fees based on usage
- Four reward points for every ₹100 spent on other categories
- Multiple redemption options
- Free add-on card
- In-built insurance cover
- Interest-free card facility
- Revolving credit facility
- Zero liability on lost card
- Use beyond your credit card limit
Eligibility Criteria
- Age: 21 to 65 years
- Indian resident
- Salaried or self-employed with an income of ₹3.6 lakhs per annum or more
Documents Required
- PAN card
- Aadhaar Card, Passport, Driving License, or Voter ID
- Address Proof
- Income Proof
- Current Address Proof
- Recent Passport Size Photograph
Annual Fees
| Fee Type | Fee | Criteria |
|---|---|---|
| First Year Fee | ₹250 | Spend ₹2,500 within the first 60 days of card setup |
| Annual Fee | ₹250 | Spend ₹12,000 in a year |
Bank of Baroda MasterCard ConQR Credit Card
Eligibility Criteria
- Age: 21 to 65 years
- Indian resident
- Salaried or self-employed with an income of ₹3.6 lakhs per annum or more
Documents Required
- PAN card
- Aadhaar Card, Passport, Driving License, or Voter ID
- Address Proof
- Shop Registration Certificate – attested copy
- Income Proof
- Current Address Proof
- Recent Passport Size Photograph
Annual Fees
| Fee Type | Fee |
|---|---|
| First Year Fee | Lifetime Free |
| Annual Fee | Lifetime Free |
Benefits
- Fuel Surcharge Waiver
- Travel and Stay
- Health and Business Security
- Contactless payment
- Smart EMI option
- Five reward points on every ₹100 spent on dining, other utilities, and online expenses
- Zero annual fees based on usage
- One reward point for every ₹100 spent on different categories
- Multiple redemption options
- Free add-on card
- In-built insurance cover
- Interest-free card facility
- Revolving credit facility
- Zero liability on lost card
Bank of Baroda Varunah Credit Card
Annual Fees
| Fee Type | Fee | Criteria |
|---|---|---|
| First Year Fee | ₹250 | Spend ₹2,500 within the first 180 days of card setup |
| Annual Fee | ₹250 | Spend ₹1,50,000 in a year |
Benefits
- Fuel Surcharge Waiver
- Contactless payment
- Smart EMI options
- Welcome gifts
- Five reward points on travel, dining, and online
- Exclusive privileges on domestic airport lounges
- Zero annual fees based on usage
- Earn three reward points for every ₹100 spent on other categories
- Multiple redemption options
- Free add-on card
- In-built insurance cover
- Interest-free card facility
- Revolving credit facility
- Zero liability on lost card
Bank of Baroda EXCLUSIVE Credit Card for ICAI Members
Eligibility Criteria
- Active and eligible member of ICAI
- Above 18 years of age
- Indian resident
Documents Required
- PAN card
- ICAI Membership Card
- Current Address Proof
- Latest Salary Slip
- Recent Passport Size Photograph
Fees
| Fee Type | Primary | Add-on |
|---|---|---|
| First Year Fee | Lifetime Free | NIL |
| Annual Fee | Lifetime Free | NIL |
Benefits
- Fuel Surcharge Waiver
- Contactless payment
- Easy EMI options
- Travel benefits
- Five reward points on travel, dining, and online
- Exclusive privileges on domestic airport lounges
- Zero annual fees based on usage
- Earn three reward points for every ₹100 spent on other categories
- Multiple redemption options
- Free add-on card
- Fitness
- Milestone Rewards
- In-built insurance cover
- Interest-free card facility
- Revolving credit facility
- Zero liability on lost card
- Complimentary insurance
Bank of Baroda ICSI Diamond Credit Card
Eligibility Criteria
- Active and eligible member of ICAI
- Above 18 years of age
- Indian resident
Documents Required
- PAN card
- ICAI Membership Card
- Current Address Proof
- Latest Salary Slip
- Recent Passport Size Photograph
Annual Fees
| Fee Type | Primary | Add-on |
|---|---|---|
| First Year Fee | Lifetime Free | NIL |
| Annual Fee | Lifetime Free | NIL |
Benefits
- Fuel Surcharge Waiver
- Contactless payment
- Easy EMI options
- Travel benefits
- Five reward points on travel, dining, and online
- Exclusive privileges on domestic airport lounges
- Zero annual fees based on usage
- Earn three reward points for every ₹100 spent on other categories
- Multiple redemption options
- Free add-on card
- Fitness
- Milestone Rewards
- In-built insurance cover
- Interest-free card facility
- Revolving credit facility
- Zero liability on lost card
- Complimentary insurance
Bank of Baroda CMA One Credit Card
Eligibility Criteria
- Active and eligible member of ICAI
- Above 18 years of age
- Indian resident
Documents Required
- PAN card
- ICAI Membership Card
- Current Address Proof
- Latest Salary Slip
- Recent Passport Size Photograph
Annual Fees
| Fee Type | Primary | Add-on |
|---|---|---|
| First Year Fee | ₹1 | NIL |
| Annual Fee | NIL | NIL |
Benefits
- Fuel Surcharge Waiver
- Contactless payment
- Easy EMI options
- Travel benefits
- Five reward points on travel, dining, and online
- Exclusive privileges on domestic airport lounges
- Zero annual fees based on usage
- Earn three reward points for every ₹100 spent on other categories
- Multiple redemption options
- Free add-on card
- Fitness
- Milestone Rewards
- In-built insurance cover
- Interest-free card facility
- Revolving credit facility
- Zero liability on lost card
- Complimentary insurance
Unnati Credit Card
Benefits
- Exclusive card for farmers
- Fuel Surcharge Waiver
- Contactless payment
- Easy EMI options
- Five reward points on travel, dining, and online
- Zero annual fees based on usage
- Earn one reward point for every ₹100 spent on other categories
- Multiple redemption options
- Milestone Rewards
- In-built insurance cover
- Interest-free card facility
- Revolving credit facility
- Zero liability on lost card
- Excellent repayment support
Prime Credit Card
Benefits
- Zero Fuel Charge
- Contactless payment
- Easy EMI options
- Travel benefits
- Five reward points on travel, dining, and online
- Exclusive privileges on domestic airport lounges
- Zero annual fees based on usage
- Earn three reward points for every ₹100 spent on other categories
- Multiple redemption options
- Free add-on card
- Fitness
- Milestone Rewards
- In-built insurance cover
- Interest-free card facility
- Revolving credit facility
- Zero liability on lost card
- Guaranteed insurance
- One percent cashback on all spends
- Zero first year and annual fees
Corporate Credit Card
Benefits
- Fuel Surcharge Waiver
- Contactless payment
- Smart EMI options
- Travel benefits
- Five reward points on travel, dining, and online
- Exclusive privileges on domestic airport lounges
- Zero annual fees based on usage
- Earn three reward points for every ₹100 spent on other categories
- Multiple redemption options
- Free add-on card
- Fitness
- Milestone Rewards
- In-built insurance cover
- Interest-free card facility
- Revolving credit facility
- Zero liability on lost card
- Guaranteed insurance
- One percent cashback on all spends
- Zero first year and annual fees
Eligibility Criteria
- Active and eligible member of ICAI
- Above 18 years of age
- Age: 21 to 65 years
- Sole proprietors are not eligible
- Indian resident
Documents Required
- PAN card
- Current Address Proof
- Latest Salary Slip
- Recent Passport Size Photograph
Annual Fees
| Fee Type | Primary |
|---|---|
| Joining Fee | NIL |
| Annual Fee | NIL |
How to Apply for a BoB Credit Card Online
- Provide your mobile number in the application form.
- Receive an OTP on your number and check pre-approved offers.
- Select the preferred credit card.
- Apply for the credit card and provide the required documents.
How to Check BoB Credit Card Application Status
- Visit BoB Financial.
- Enter your application number to check the status.
- Possible statuses: In progress, Approved, Dispatched, Rejected.
Track BoB Credit Card Application Online
- Call customer care at 1800-103-1006 / 1800-225-10.
- Visit the nearest home branch and contact a bank official.
Log in to BoB Credit Card Account
- Visit BoB iBanking.
- Select the user type and enter your Customer ID and password.
Reset BoB Credit Card PIN
- Insert your credit card into a Bank of Baroda ATM.
- Select set/re-generate PIN.
- Enter your credentials and receive an OTP.
- Enter the new PIN.
Check BoB Credit Card Statement
- Receive an email with the monthly statement.
- Download statements by logging into your account and selecting ‘Credit Card Statement’.
View Your Balance in BoB Credit Card
- Use net banking or the M-Connect plus Mobile Application.
- Call customer service at 1800 258 44 55 / 1800 102 44 55.
- Enquire via SMS banking by sending a message to 8422009988.
- Call 84680 01111 from your registered mobile number.
Ways to Block BoB Credit Card
- Email at crm@bobfinancial.com with your credit card number.
- Call customer care at 1800225100 / 18001031006.
- Send an SMS to +91 9323803935 with the message: BLOCK
<credit card number>. - Visit the nearest home branch with a photocopy of your identity proof.
Close Your BoB Credit Card
Submit a written application to cancel your credit card, attaching the card to the application.
Benefits of BoB Credit Card
- Easy EMI options
- Free add-on cards
- Multiple redemption options
- Fuel surcharge waiver
- In-built insurance cover
- Zero liability on lost cards
Contact Details of Bank of Baroda
| Query Type | Contact |
|---|---|
| Toll-free number | 1800 258 4455 / 1800 102 4455 |
| Bill-related queries | crm@bobfinancial.com, 1800 103 1006 / 1800 225 100 |
| Product Information | ccb@bobfinancial.com |
Conclusion
Bank of Baroda offers a variety of credit cards to suit different needs and lifestyles. From travel benefits to fuel surcharge waivers, BoB credit cards come with numerous perks. Checking your Bank of Baroda credit card application status is straightforward, ensuring you stay informed throughout the process. Choose the card that best fits your requirements and enjoy the benefits that come with being a BoB credit cardholder.