Bank of Baroda Credit Card

Features and Benefits of BOB Credit Cards

Features & Benefits of Top BOB Credit Cards

The following is the list of BOB Credit cards:

Bank of Baroda Vikram Credit Card

Key Highlight: This lifetime free credit card is designed for Defence Personnel & veterans, offering Hotstar subscription, reward on everyday spends, low internation mark-up and many more.

Features and Benefits:

The following are the features and benefits of Bank of Baroda Vikram Credit Card:

1. The card charges 3.25% service cost and 3% international mark-up
2. On activation of the card, complimentary 3 Months Disney Hotstar subscription is offered to the cardholder
3. On Grocery, Movies & Departmental Stores, and other categories, the card offers five and one reward point on every Rs.100 spent using this card
4. The card also offers fuel surcharge waiver of 1%, easy EMI conversion, zero liability on lost card, interest free period, free add-on card, in-built insurance coverage, and revolving credit facility

Indian Coast Guard Rakshamah BOB Credit Card

Key Highlight: This lifetime free card is especially designed for Indian Coast Guard personnel & veterans, that offers exclusive privileges such as Amazon prime membership, activation bonuses, and many more.

Features and Benefits:

The following are the features and benefits of Indian Coast Guard Rakshamah BOB Credit Card:

1. Within 30 days of card activation, cardholders will earn 1000 reward points
2. Per calendar year, cardholders can avail themselves of eight Complimentary Airport Lounge access and 4 Complimentary Golf Lessons/Games
3. For every Rs.100 spent, the card offers 5X and two rewards on Grocery & Departmental Stores, and all categories, respectively
4. Complimentary 6 Months FITPASS Pro Membership is provided by the card which is worth Rs.15,000
5. On spends of at least Rs.1 lakh, cardholder gets 12 Months Amazon Prime Membership

1. Fuel surcharge waiver of 1% is offered by the card on transactions between Rs.400 and Rs.5,000 at all fuel stations across India
2. Other benefits include, easy EMI conversion, in-built insurance coverage, interest free credit facility, free add-on card, zero liability on lost card, and revolving credit facility

IRCTC BOB Credit Card

Key Highlight: This RuPay credit card offers multiple benefits complimentary services, and reward that makes your travel experience comfortable.

Features and Benefits:

The following are the features and benefits of IRCTC BOB Credit Card:

1. Per year cardholders can avail themselves of up to 4 complimentary access at partner railway lounges
2. Discount of 1% transaction charges is offered by the card on booking your train tickets on IRCTC Website and Mobile App
3. Per ₹100 for train ticket bookings on IRCTC Website & Mobile App, this credit card offers up to 40 Reward Points
4. For every Rs.100 spent on other categories and on Grocery & Departmental stores, the card offers two and four reward points
5. Within 45 days of card issuance, if single transaction of Rs.1000 or more is made, then cardholders can earn 1000 bonus reward points
6. Other benefits include easy EMI conversion, zero liability on lost card, fuel surcharge waiver, free add-on card, extra rewards, and easy reward redemption process

Indian Army Yoddha BOB Credit Card

Key Highlight: This lifetime free card is especially designed for Indian Army personnel and veterans, that offers various vouchers, welcome gift, reward points, and many more

Features and Benefits:

The following are the features and benefits of Indian Army Yoddha BOB Credit Card:

1. Every calendar year, the card offers eight Complimentary Airport Lounge access and four Complimentary Golf Lessons/Games
2. Transactions in Other Categories and on all Grocery & Departmental Stores using this card will make the cardholder earn two and 5X reward points, respectively, for every Rs.100 spent
3. On spends of at least ₹1 Lakh, the card offers 12 Months Amazon Prime Membership
4. Within 30 days of Card Activation, the card offers 1000 reward points

1. Complimentary six months FITPASS Pro Membership worth Rs.15000 can be availed by the cardholders
2. The card offers 24/7 Assistance for Domestic & International Services
3. Other benefits provided by this card are fuel surcharge waiver, easy EMI conversion, in-built conversion cover, free add-on card, zero liability on lost card, interest free credit period, and revolving credit facility

Indian Navy Varunah BOB Credit Card

Key Highlight: This lifetime free card is especially for our Indian Navy personnel and veterans offering various privileges, such as fuel surcharge waiver, reward points, and many more.

Features and Benefits:

The following are the features and benefits of Indian Navy Varunah BOB Credit Card:

1. This card comes at zero cost and offers multiple benefits, such as smart EMI conversion facility and multiple redemption options
2. On Grocery and Departmental Stores, and on other categories, for every Rs.100 spent, the card offers 10 and four reward points
3. The card also offers several benefits like other cards, such as fuel surcharge waiver of 1%, in-built insurance coverage, reward redemption option, smart EMI conversion option, free add-on card, revolving credit facility, zero liability on lost card, and interest free period

BOB Nainital Bank RENAISSANCE

Key Highlight: This card comes at a minimum price that makes their everyday purchase way affordable by providing multiple privileges and benefits.

Features and Benefits:

The following are the features and benefits of BOB Nainital Bank RENAISSANCE:

1. The card comes at zero joining fee and the annual fees gets waived off by spending Rs.25,000 per year
2. The card offers 10 and four reward points for spending Rs.100 on Grocery, Departmental stores & Movies, and on all other categories, respectively
3. Cardholders can avail themselves of fuel surcharge waiver of 1% on transactions between Rs.400 and Rs.5,000 across all fuel station in India
4. The card also offers multiple redemption facility, easy EMI conversion, revolving credit facility, zero liability on lost card, free add-on card, interest free period and complimentary insurance coverage

HPCL BOB ENERGIE Credit Card

Key Highlight: This card has been introduced by the collaboration of Bank of Baroda and HPCL offering plentiful rewards that makes shopping more affordable and ensures savings up to more than Rs.12,000 using this card.

Features and Benefits:

The following are the features and benefits of HPCL BOB ENERGIE Credit Card:

1. The card offers a discount of 5% at HPCL retail outlets
2. On all fuel purchases through HP Pay App, the card offers additional 1.50% cashback per ₹100 as payback points
3. on Utility, Grocery & Departmental stores, and other categories for every Rs.100 spent the card offers 10 and two reward points
4. At partner domestic lounges, the primary cardholders can avail themselves of four complimentary airport lounge access per year
5. The card provides fuel surcharge waiver of 1%, free add-on card, smart EMI conversion option
6. The card also enables you to waive off annual fee on spending Rs.50,000 every year
7. Within 60 days of card issuance, if the cardholder spends Rs.5000 or more then the cardholder will earn 2000 joining rewards

Snapdeal BOB Credit Card

Key Highlight: This RuPay credit card comes at a minimum price and offers delightful activation benefits, shopping rewards and unlimited cashback. From reward points on everyday spending to shopping vouchers and cashbacks, that makes your online shopping way simpler.

Features and Benefits:

The following are the features and benefits of Snapdeal BOB Credit Card:

1. For your purchases on Snapdeal website & app, the cardholders will earn 5% unlimited cashback which is 20 Reward Points per Rs.100
2. For every Rs.100 spending, the card offers 10 and four reward points on Online Shopping, Grocery and Departmental Stores, and other categories, respectively
3. accumulated Reward Points will be auto credited on every monthly statement as cashback
4. On all fuel transactions between Rs 400- Rs.5000, the card offers fuel surcharge waiver of 1%
5. Within 30 days of issuance, the card offers Rs.500 as Snapdeal vouchers
6. The card also offers revolving credit facility, smart EMI conversion, interest free credit facility, and free add-on cards

Assam Rifles The Sentinel BOB Credit Card

Key Highlight: This lifetime free credit card is especially designed for the oldest and most awarded paramilitary force of our country and comes with multiple benefits including rewards on various transactions, airport lounge access, and many more.

Features and Benefits:

The following are the features and benefits of Assam Rifles The Sentinel BOB Credit Card:

1. On Card Activation within 30 days, cardholders will earn 1000 reward points
2. On Grocery & Departmental Stores, for every Rs.100 spent the cardholders will earn 5X reward points
3. For other categories, the card offers two reward points
4. This card also offers eight Complimentary Airport Lounge access and four Complimentary Golf Lessons/Games per year
5. On spends of at least Rs.1 lakh within 90 days of issuance, the card offers 12 Months Amazon Prime Membership
6. on transactions between Rs.400 and Rs.5,000, at all fuel stations across India the card offers 1% fuel surcharge waiver
7. The card offers easy EMI conversion facility for transaction above Rs.2,500 of 6 to 36 months
8. Some other benefits of this card are zero liability on lost card, revolving credit facility, three free add-on cards, 50 days of interest period, and in-built insurance coverage

CMA One Credit Card

Key Highlight: This Bank of Baroda credit card comes at a mining joining fee and does not charge any annual fees that are exclusively designed for ICMAI Members. This card not only provides world calss privileges but also offers various benefits such as 50 days interest free period and many more.

Features and Benefits:

The following are the features and benefits of Bank of Baroda CMA One Credit Card:

1. This card offers a delightful shopping experience by enabling cardholders to earn five reward point on dining, online & utility bills for every Rs.100 spent
2. The card makes international shopping easier by offering 2% reduced Forex mark-up
3. At partner domestic airport lounges, cardholders can avail themselves of 12 complimentary airport access
4. Avail Fitpass Pro Membership worth ₹ 15,000 for six months at zero cost as welcome gift
5. On transacting your card within 30 days of card issuance, this card provides 1000 reward points

1. On spending more than Rs.1 lakh or credit limit (whichever is more) in a calendar quarter, the card offers 4000 reward points
2. On spending on all other categories, the cardholders can earn one reward point for every Rs.100
3. At all fuel stations across India, spending between Rs.400 to Rs.4000 the card offers 1% fuel surcharge waiver
4. Apart from other benefits, the card offers zero liability on lost card, three free add-on cards, insurance coverage, and easy EMI conversion

ConQR Credit Card

Key Highlight: This lifetime free 2-in-1 card helps meet your business needs by enabling you to accept payment through Bharat QR printed on the card front and offers 50 days interest free period for ease of bill payment as per your convenience.

Features and Benefits:

The following are the features and benefits of Bank of Baroda ConQR Credit Card:

1. The card offers fuel surcharge waiver of 1%, in-built insurance coverage, and smart EMI conversion
2. The card offers five reward points on dining, online & utility bills for every Rs.100
3. On selected MCCs and other categories, for every Rs.100 the card offers 0.5 and one reward point

BOB Easy Credit Card

Key Highlight: This lifetime free card is exclusively designed to provide extra savings on your daily shopping as it provides several reward points and bonuses on various transactions using this card.

Features and Benefits:

The following are the features and benefits of Bank of Baroda Easy Credit Card:

1. For every Rs.100 spent at departmental stores or on mobile purchase, the card offers five reward points
2. The card ensures safe transaction and comes at zero annual and joining fee
3. For every Rs.100 spent on selected MCCs and other categories, the card offers0.5 and 1 reward points
4. The card also offers fuel surcharge waiver, easy EMI conversion, and multiple reward redemption options
5. Cardholders must spend either Rs.6000 within two months or Rs.35,000 in a year to waive off the annual fees

1. The card also offers zero liability on lost cards, credit revolving facility, 50 days interest free period, and lifetime free three add-on cards

Eterna Credit Card

Key Highlight: This card ensures high quality experience on travel, shopping, and dining and offers multiple reward points on various transactions.

Features and Benefits:

The following are the features and benefits of Bank of Baroda Eterna Credit Card:

1. The card offers 6 month's Fitpass Pro Membership^ worth Rs.15,000 for free as welcome gift
2. At prominent Golf courses the cardholders can avail themselves of tee off
3. On every ₹ 100 spent on Travel and international transactions, the card offers 15 reward points
4. Unlimited complimentary access at domestic airport lounges can also be availed using this card
5. On every ₹ 100 spent on dining, the card offers 15 reward points
6. Cardholders can also avail themselves of culinary deals at more than 250 restaurants and luxury hotels and resorts
7. On every ₹ 100 spent on online shopping, the card offers 15 reward points
8. The card allows one BOGO movie ticket free on purchasing one, up to Rs.250 per card
9. On spending ₹ 50,000 within 60 days and Rs.5 lakh in a year, the card offers milestone benefits of 10,000 and 20,000 bonuses, respectively
10. On SELECT MCCs and other categories, for every Rs.100 spent, the card offers1.5 and 3 rewards, respectively
11. The card also provides 1% fuel surcharge waiver, zero lost card liability, up to three add-on cards, easy EMI conversion facility, and insurance coverage

ICAI Exclusive Credit Card

Key Highlight: This lifetime free credit card is designed exclusively for ICAI members, offering 50 days interest free period along with several other benefits including world-class privileges, ealth building, fuel surcharge waiver, insurance coverage, and many more

Features and Benefits:

The following are the features and benefits of Bank of Baroda ICAI Exclusive Credit Card:

1. On every Rs.100 spent on dining, utility bill, and online transactions, cardholders will earn five reward points
2. At partner domestic airport lounges, 12 complimentary access can be availed by cardholders
3. The card offers Fitpass Pro Membership worth Rs.15,000 which is free for six months
4. Offers milestone rewards of 1000 points on transacting using this card within 30 days and 4,000 reward points every quarter on spending Rs.1 lakh or credit limit whichever is more in a quarter
5. Cardholders can avail themselves of 1% fuel surcharge waiver on spending Rs.400 to Rs.4000 at all fuel stations across India
6. The card offers one reward point on spending every Rs.100 across other categories
7. The card also offers easy EMI conversion, zero liability on lost card, complimentary insurance coverage and free three add-on cards

ICSI Diamond Credit Card

Key Highlight: This lifetime free card is specially designed for ICSI Members and comes with several features and benefits including world-class privilege, saving opportunities, and many more.

Features and Benefits:

The following are the features and benefits of Bank of Baroda ICSI Diamond Credit Card:

1. On dining, online and utility bills, the card offers five reward points on every Rs.100 spend
2. The card offers six months Fitpass Pro Membership worth Rs.15,000 for free as welcome benefit
3. at partner domestic airport lounges, the cardholders can avail themselves of 12 complimentary access
4. The card makes your internation travel smoother by offering 2% Reduced Forex mark-up on international spendings
5. The card also offers easy EMI conversion facility, zero liability on lost card, and up to three lifetime free add-on cards
6. On transactions between Rs.400 and Rs.5,000 at all fuel stations across India, cardholder can avail themselves of 1% fuel surcharge waiver using this card
7. On spending more than Rs.1 Lakh or Credit limit (whichever is more) in a Calendar quarter, cardholder can earn 3999 Reward Points per Calendar quarter
8. The card also offers 1000 Reward Points on transacting using this card within 30 days
9. The card offers Non-air accident death cover and Professional Indemnity Insurance Cover of Rs.5 lakh, and Air accident death cover of Rs.15 lakh

Premier Credit Card

Key Highlight: The Bank of Baroda Premier credit card is best suited for those who travel frequently as it offers various perks on international spending along with other benefits.

Features and Benefits:

The following are the features and benefits of Bank of Baroda Premier Credit Card:

1. On Travel, Dining and Abroad using this card, cardholders will earn 5X reward points on every Rs.100 spent
2. Every calendar quarter, the card offers one complimentary airport lounge visit
3. On selected MCCs and other categories, the card offers one and two reward points, respectively, for every Rs.100 spent
4. Cardholders can avail themselves of EMI conversion on transaction more than Rs.2,500 using this card
5. The card offers 1% fuel surcharge waiver on transactions between Rs.400 and Rs.5,000 at all fuel stations across India
6. The card enables annual fee waiver by spending either Rs.10,000 in 60 days or Rs.1.20 lakh in a year
7. The card also provides multiple redemption facility, free Personal Accidental Death Cover, revolving credit facility, zero liability on lost card, and up to three lifetime free add-on card (for children above 18 years, spouse, parents, and siblings)

Select Credit Card

Key Highlight: This card is ideal for online shopping because it enables users to make online transactions easily and comes at zero annual fee.

Features and Benefits:

The following are the features and benefits of Select Credit Card:

1. For every Rs. 100 spent on Dining and Online spends, the card offers 5X reward points
2. For spending Rs.100 on selected MCCs and other categories, the cardholder will earn 0.5 and one reward point, respectively
3. on transactions between Rs.400 and Rs.5,000, the card offers fuel surcharge waiver of 1%
4. This lifetime free card allows annual fee waiver on spending Rs.7,500 or Rs.70,000 wither within six months or in a year, respectively
5. The card also ensures easy reward redemption facility and easy EMI option for converting transactions more than Rs.2,500

1. The card offers up to three lifetime free add-on card for added benefit
2. Cardholders can avail themselves of 50 days interest free period and zero liability in case of loss of card
3. The cardholders can avail Personal Accidental Death Cover and revolving credit facility

BOB CORPORATE Credit Card

Key Highlight: To provide stable financial protection, Bank of Baroda introduced BOB Corporate credit cards, lifetime free credit cards, for both new and existing business endeavours. The card is eligible for only those individuals who have CC or OD with BOB, fixed deposit with BOB, and Current Account with BOB.

Features and Benefits:

The following are the features and benefits of BOB CORPORATE Credit Card:

1. Offers 0.5 and one reward point on spending Rs.100 on selected MCCs and other categories
2. On all fuel transactions between Rs.400 - Rs.5000, the card offers fuel surcharge waiver of 1%
3. The card ensures zero liability on fraudulent transactions
4. Cardholders can avail themselves of easy EMI conversion of transaction of more than Rs.2,500 using this card
5. The card offers 50 days of interest free period and has corporate name mentioned on the card
6. The card ensures convenient administration, easy monitoring and tracking, and seamless budgeting technique
7. The card enables cashless transactions that streamlines the internal process
8. The card enables vendor negotiation for the expenses related to employees’ travel and entertainment by evaluating the location and frequency of employees’ spendings
9. The card offers self-servicing portal to carry out Corporate credit card related activities
10. The card offers per annum eight Complimentary domestic airport Lounge Access which is two visits per Quarter
11. The card offers Rs.1 lakh and Rs.10 lakh as air accidental and non-air accidental death coverage, respectively

Bank of Baroda PRIME Credit Card

Key Highlight: The lifetime free card comes at zero joining and annual fee that, almost enables you to avail the card with zero documentation against the fixed deposit

Features and Benefits:

The following are the features and benefits of Bank of Baroda PRIME Credit Card:

1. For all fuel transactions between Rs. 400 - Rs. 5,000, the card offers fuel surcharge waiver of 1%
2. The card offers multiple redemption option and easy conversion to EMI for transactions more than Rs.2,500
3. The card comes at zero joining and annual fee
4. The card can be availed against fixed deposit of Rs.15,000 or more without offering any income proof
5. Cardholder can earn one and two reward points on spending Rs.100 on selected and other MCCs, respectively
6. Offers cashback on all spendings
7. Provides up to three free add-on cards for your spouse, parents, siblings or kids (above age 18)
8. to ensure financial protection of your family, the card offers free Personal Accidental Death Cover
9. Cardholder can report loss of card immediately and can avail themselves of zero liability on fraudulent transactions
10. Offers 50 days interest free period and allows you to finance your spends by paying the minimum amount due.

Bank of Baroda EMPOWER Credit Card

Key Highlight: The card empowers your business by helping you to set a competitive edge. The card is designed exclusively for Proprietors and Self-Employed segment that offers exclusive privileges and superior benefits.

Features and Benefits:

The following are the features and benefits of Bank of Baroda EMPOWER Credit Card:

1. The plan offers multiple reward points, such as:
   1. On selected MCCs, cardholder can earn 0.5 reward point on every Rs.100 spent
   2. On other MCCs, cardholder can earn 0.5 reward point on every Rs.100 spent
2. On all fuel transactions between Rs.400 - Rs.5000, fuel surcharge waiver offered is 1%
3. Transactions can be converted into EMI of 6/36 months for amount more than Rs.2,500
4. The card offers 50 day of interest free period
5. Streamlines your internal settlement through cashless transaction due to your business name on the card
6. Offers unlimited cashback with no maximum capping on reward points
7. Ensures annual fee waiver by spending Rs.50,000 in a year
8. The card also provides Rs.15 lakh and Rs.5 as air accidental death coverage and non-air accidental death coverage, respectively
9. The card features convenient administration, easy tracking, and seamless budgeting and reporting
10. Enables vendor negotiation by evaluating the frequency and locations of you spends
11. Offers multiple bill payment option and extends 24x7 customer support system for any card-related queries

Why Choose Bank of Baroda Credit Cards?

The credit cards offered by Bank of Baroda are designed to provide the maximum benefits to the cardholders. Apart from getting money on credit when required, people can earn rewards on their purchases that can be redeemed to earn exclusive offers. There is no surcharge on fuel transactions made by the customers using Bank of Baroda credit cards. The cards also have many other attractive features which include low annual and membership fees, free add on cards, insurance coverage, etc.

Eligibility Criteria for Bank of Baroda Credit Cards

The following are the eligibility criteria of Bank of Baroda Credit Cards:

1. Age Criteria - Applicants of Bank of Baroda Credit Cards need to meet a certain age criteria in order to apply for the credit cards. All the applicants must be between 18 years and 65 years of age
2. Income Criteria - Applicants of Bank of Baroda Credit Cards must earn a certain sum of money annually in order to meet the eligible criteria. This amount varies depending on the card the applicant opts for
   1. The applicants applying for a Bank of Baroda Corporate Premium Credit Card should either be a Limited or a Partnership firm or a Government company. They must have a paid- up capital of at least Rs.25 Lakhs and the Net Worth of their companies must be at least Rs.50 Lakhs. Apart from this, they need to have a credit facility of at least Rs.1 crore and a BOB rating of 6 and above.
   2. If the applicants have existing banking relations with Bank of Baroda, they will be given preference

Documents Required for BOB Credit Cards

Applicants have to provide the following documents while applying for a Bank of Baroda Credit Card -

Apart from the above, the applicants have to provide a copy of their bank statement (recent 3 months), PAN card copy and colour photographs. Applicants of Bank of Baroda Assure Platinum Credit Card have to provide a front and backside copy of FDR discharged by themselves and Annexure 1, Annexure 2 and Annexure 3.

Applicants of Bank of Baroda Corporate Credit Card have to provide different documents during the application process. These documents are as follows:

1. Company IT Return
2. Undertaking Letter or Board Resolution
3. Company PAN card
4. Partnership Deed or Memorandum of Article and Associations
5. Copy of the Audited Balance Sheet and the Profit & Loss Account for the last 3 years
6. Photographs of the Applicant

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