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Bank of Baroda (BOB) offers many types of credit cards. In this post we look at the 5 different types of BOB credit cards offered –

  • Bank of Baroda Eterna Credit Card : Best premium card from Bank of Baroda
  • IRCTC BoB Rupay Credit Card : Best Rail Travel card from Bank of Baroda
  • Snapdeal Credit Card : Best co branded card from Bank of Baroda for online shopping
  • Bank of Baroda Premier Credit Card : Best overall travel card from Bank of Baroda
  • Prime Credit Card : Best beginner card (lifetime free card issued against fixed deposit) from Bank of Baroda

Please read on for more details on each of these BoB credit cards.

Comparison of Bank of Baroda Credit Cards

Features
Eterna Credit Card
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IRCTC BoB Rupay Credit Card
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Snapdeal Credit Card
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Premier Credit Card
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Prime Credit Card
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Cashback Rates 1.5% – 3%

2%

5%

1% – 5%

0.25% 0.5%

Other benefits Fuel Waiver Surcharge Fuel Waiver Surcharge Fuel Waiver Surcharge Fuel Waiver Surcharge Fuel Waiver Surcharge
Annual Fee ₹2499

₹500

₹249

₹1000

Nil

Annual Fee Offers Annual Fee Reversal on meeting ₹2,50,000 spends Nil Nil Annual Fee Reversal on meeting ₹1,20,000 spends Nil
Minimum Income ₹ 12 Lakhs per annum or more

₹3.6 Lakhs for Salaried and >= ₹4.8 Lakhs for Self-employed

₹3.6 Lakhs for Salaried and >= ₹4.8 Lakhs for Self-employed

Not Specified Nil

Bank of Baroda Eterna Credit Card : Brief Overview

3.75% special benefit on travel spends (5X)You earn 15 reward points worth ₹3.75, on every ₹100 you spend on travel (since 1 reward point = ₹0.25)
3.75% special benefit on ‘Online Shopping’ (5X)You earn 15 reward points worth ₹3.75, on every ₹100 you spend on Online Shopping (since 1 reward point = ₹0.25)
3.75% special benefit on dining spends (5X)You earn 15 reward points worth ₹3.75, on every ₹100 you spend on dining (since 1 reward point = ₹0.25)
3.75% special benefit on international transactions (5X)You earn 3 reward points worth ₹0.75, on every ₹100 you spend on all other purchases (since 1 reward point = ₹0.25), except below 2 categories

1. Fuel : You earn no reward points
2. Spend Categories like rent, education, utilities, government, insurance, charity, supermarket : you earn 1.5 3 reward points worth 37 paise, on every ₹100 you spend. For full list and details please click here – list of special MCCs
Milestone Privileges : Upto 1.50% additional benefit – on achieving 2 spend targetsYou earn – 
10,000 points worth ₹2,500 – at ₹50,000 spend target, within 60 days of card issuance date
20,000 points worth ₹5000 – at 5 lakhs yearly spend

Hence  you can earn a total of 30,000 bonus reward points worth ₹7,500, if you reach both the above spend targets on your card
Unlimited complimentary visits to airport lounges in IndiaYou enjoy unlimited domestic lounge access throughout India. Visa holders click here for details & Mastercard holders click here for more information.
Low foreign exchange conversion fee of 2% – on international spendsYou enjoy a significantly reduced forex markup fee of only 2% on international transactions.
1 complimentary movie ticket per month – at Paytm MoviesYou get Buy One Get One Free Movie Offer (BOGO) – at Paytm Movies
–        You need to book at least 2 movie tickets , at one time
–        2nd movie ticket is free, upto maximum ₹250 off
–        You can enjoy this offer maximum 1 time per month

Hence you can get movie tickets worth ₹3,000 every year (₹250 per month)
Complimentary 6-month FitPass Pro membershipYou get 6-month FitPass Pro membership worth ₹15,000.
Complimentary golf rounds & lessonsCardholders who have Mastercard version of card :
·    4 free golf rounds per year (not more than 1 free golf round per month)
·    12 free golf lessons per year (not more than 1 free golf lesson per month)
·    For a list of golf courses and other details, please click here
Cardholders who have Visa version of card
·    4 free lessons per year (but not more than 1 free golf lesson per quarter)
·    15% discount on golf rounds
·    For a list of golf courses and other details, please click here.
1% Fee Surcharge WaiverYou get 1% fuel surcharge waiver at all fuel stations across India –
·    on fuel transactions between ₹400 and ₹5,000 AND
·    on upto ₹25,000 fuel spend per month, since the maximum waiver is capped at ₹250 per monthly card billing cycle
Complementary Personal Accidental Death CoverYou get a complimentary Personal Accidental Death Cover – providing coverage of ₹1 crore for air travel,  ₹10 lakhs for non-air travel.
₹2499 Annual FeeWelcome Benefits – Your 1st year annual fee is waived off, if you spend ₹25,000 or more within 60 days of card issuance date

Renewal Fee Waiver – Renewal fee is not charged if you spend ₹2,50,000 or more in the previous year

 You also get 3-lifetime free add-on cards for your spouse, parents, siblings, or children
Minimum income requirement of ₹ 12 lacs per yearThis is applicable for both salaried & self-employed individuals

Pros and Cons of Bank of Baroda Eterna Credit Card Credit Card

Pros
  • Good benefit rate of 3.75% on various categories – travel, online spending, dining & international spending. Travel & spending are large spend categories for most people, hence the card provides an attractive benefit rate for a large part of your spending needs
  • You have the opportunity to earn upto 1.50% more, if you spend ₹5 lakhs or more within a year – through the milestone benefits program – hence you have the opportunity to earn around 5% on a large part of your spending needs
  • Simple & easy to understand redemption process – you can convert your reward points to cashback through a simple online process
  • Attractive lifestyle & fitness benefits – complementary golf rounds & golf lessons , as well as gym memberships
  • Unlimited free lounge access in India
  • 3.75% benefit rate on international spending & 2% fee on foreign transactions helps you to earn 1.75% on foreign spending , unlike most other credit cards
  • Complimentary personal accidental death insurance coverage providing financial protection to your family – coverage of ₹1 crore for air travel and ₹10 lakhs for non-air travel
Cons
  • Complimentary access to airport lounges  located outside of India is not available.
  • Benefit rate for offline shopping shopping (for example in-store shopping and other face-to-face transactions) is low

Full Review: A Detailed Review of the Bank of Baroda Eterna Credit Card

Bank of Baroda Eterna Credit Card

Features & Benefits of Bank of Baroda Eterna Credit Card

3.75% special benefit on 4 categories : travel spends || online shopping || dining spends || international transactions

Earning Reward Points : You earn 15 reward points on every ₹100 you spend = you earn ₹3.75 on every ₹100 you spend on your card (since 1 reward point = ₹0.25 or 25 paise)

Redeeming Reward Points : You can easily redeem your points for cashback, online OR through their helpline. 1 Reward point = ₹0.25 or 25 paise. This cashback goes towards paying your monthly credit card bill.

Limits on earning special benefits : This special benefit is valid on the 4 categories mentioned above – on purchases upto ₹33,333 per month, since the maximum number of special / accelerated reward points is 5,000 reward points per monthly credit card statement. After the first ₹33,333 spent in this category during the month, you shall receive a basic benefit rate of 3 reward points worth ₹0.75, for each additional ₹100 you spend.

Other important information : Reward Points are valid for 2 years.

0.75% Basic Benefit on All Other Spends

Earning Reward Points : You earn 3 reward points on every ₹100 you spend on your card = you earn ₹0.75 on every ₹100 you spend (since 1 reward point = ₹0.25 or 25 paise). Except below 2 categories –

  1. Fuel : You earn no reward points
  2. Spend Categories like rent, education, utilities, government, insurance, charity, supermarket : you earn 1.5 3 reward points worth 37 paise, on every ₹100 you spend. For full list and details please click here – list of special MCCs

Redeeming Reward Points & Other important information : same as explained in the above section

Milestone Privileges : Upto 1.50% additional benefit – on achieving 2 spend targets

You earn – 

  • 10,000 points worth ₹2,500 – at ₹50,000 spend target, within 60 days of card issuance date
  • 20,000 points worth ₹5000 – at 5 lakhs yearly spend

Hence you can earn a total of 30,000 bonus reward points worth ₹7,500, if you reach both the above spend targets on your card.

Milestone benefits are in addition to the benefits mentioned in the 2 sections above Milestone Privileges. For example, on travel expenses, you could earn more than 4.75%, 3.75% special benefit and potentially more than 1% milestone benefits if you achieve the milestone targets mentioned above.

Unlimited complimentary visits to airport lounges in India

You enjoy unlimited domestic lounge access throughout India.

The details vary depending on whether you have the Mastercard version or the Visa version of the Bank of Baroda Eterna credit card. Visa holders click here for details & Mastercard holders click here for more information.

Low foreign exchange conversion fee of 2% – on international spends

You enjoy a significantly reduced forex markup fee of only 2% when using your card for international transactions. Since you also get a benefit of 3.75% on your foreign spending, you earn 1.75% on foreign spending , unlike most other credit cards.

1 complimentary movie ticket per month – at Paytm Movies

You get Buy One Get One Free Movie Offer (BOGO) – at Paytm Movies

  • You need to book at least 2 movie tickets , at one time
  • 2nd movie ticket is free, upto maximum ₹250 off
  • You can enjoy this offer maximum 1 time per month

Hence you can get movie tickets worth ₹3,000 every year (₹250 per month)

Complimentary 6-month FitPass Pro membership

You get 6-month FitPass Pro membership worth ₹15,000. Fitpass Pro is a single membership plan which gives you free access to a wide range of fitness activities – over 5,000 Gyms & Fitness Studios , Yoga, Pilates, Zumba, Crossfit & Kickboxing. For full details and latest updates please visit the Fitpass website

Complimentary golf rounds & lessons

The details vary depending on whether you have the Mastercard version or the Visa version of the BOB Eterna card.

Cardholders who have Mastercard version of card :

  • 4 free golf rounds per year (not more than 1 free golf round per month)
  • 12 free golf lessons per year (not more than 1 free golf lesson per month)
  • For a list of golf courses and other details, please click here.

Cardholders who have Visa version of card :

  • 4 free lessons per year (but not more than 1 free golf lesson per quarter)
  • 15% discount on golf rounds
  • For a list of golf courses and other details, please click here.
Insurance Benefits – Complimentary Personal Accidental Death Cover

You get a coverage of ₹1 crore for air travel and ₹10 lakhs for non-air travel, in the unfortunate event of accidental death during travel. This insurance cover provides financial protection to your family, and gives you peace of mind.

1% Fuel Surcharge Waiver

Fuel pumps usually apply a surcharge of 1% on your fuel bills. You get a surcharge waiver when you purchase fuel through your BOB Eterna card.

Applicable fuel stations and brands : Fuel surcharge waiver applies to ALL petrol stations.

Monthly Limits on waiver benefits:

  • The waiver is given only if you spend a minimum of ₹400 and a maximum of ₹5000 on a fuel purchase. AND
  • The waiver is given upto a maximum of ₹25,000 in fuel expenditures per month (since the maximum waiver is ₹250 per monthly card statement)
3 free Add-on Cards

Eterna Credit Card offers the convenience of add-on cards, allowing you to extend the benefits of your card to your loved ones –

Lifetime Free Add-on Cards: You can avail of up to 3-lifetime free add-on cards for your spouse, parents, siblings, or children. This enables your family members to enjoy the features and privileges of the Eterna Credit Card.

Shared Benefits: With add-on cards, you can easily manage and track the expenses of your family members. Additionally, any reward points earned on the add-on cards contribute to the primary cardholder’s rewards account.

Eterna Credit Card Credit Card Fees and Charges

Annual and joining fees
FeesOffers
1st year annual fee₹2499Welcome benefits : The first year fee is waived,  if you spend ₹25,000 or more, within 60 days of card issuance.
Annual fees from 2nd year onwards₹2499Renewal fee waiver at ₹2.50 lakhs spend per year : Renewal fee is not charged if you spend ₹2,50,000 or more in the previous year

Hence the card is virtually lifetime free if you spend ₹2,50,000 or more each year
Late Payment Fees

Late payment fees depends on the total payment due

Total Payment Amount DueLate Fees
Less than ₹200NIL
₹200 to ₹500₹100
₹501 to ₹1,000₹400
₹1,001 to ₹10,000₹500
Over ₹10,000₹750

Eligibility Criteria

Minimum Age21 years (minimum age for add-on cards is 18 years)
Maximum Age65 years
OccupationSalaried and self-employed
Income RequirementsMinimum income should be ₹12,00,000 or more per annum – for both salaried individuals and self-employed individuals.
Residential StatusThe individual should be a Resident of India.

Necessary documents and verification

Required Documents 
Proof of identity:
PAN (Mandatory)
Aadhaar Card / Voter Id card /Passport /Driving Licence

Address Proof:
Aadhaar Card / Voter Id card /Passport / Driving Licence / Utility Bills / Property or Municipal Tax receipt /Rent Agreement / House allotment letter issued by State or central government

Income Proof:
Salaried: Last 2 months salary slip + bank statement showing salary credits
Self-employed: Later income tax return (ITR)

IRCTC Bank of Baroda Rupay Credit Card

The IRCTC BOB Rupay Credit Card is a co-branded credit card offered by the Bank of Baroda in partnership with the Indian Railway Catering and Tourism Corporation (IRCTC).

This credit card is designed to provide exclusive benefits and rewards to frequent train travellers. With benefits such as accelerated reward points on train ticket bookings, and railway lounge access, it is a great card for those who frequently travel by train.

IRCTC Bank of Baroda Rupay Credit Card : Brief Overview

Milestone benefits are in addition to the benefits mentioned in the 2 sections above Milestone Privileges. For example, on shopping at department stores & groceries, you could earn more than 3.50% – 2.50% special benefit and potentially more than 1% milestone benefits if you achieve the milestone targets mentioned above.

10.50 % benefit on AC class bookings – on IRCTC (in non-peak season)10% benefit :
– 10% benefit is valid only for travel dates between 15th Jan – 31st Mar, and 15th July – 15th Sep
– You earn 40 reward points worth ₹10, on every ₹100 on ticket purchases

0.50% benefit :
You earn 2 reward points worth ₹0.50 or 50 paise, on every ₹100 you spend on railway ticket purchases.
4.50% benefit on AC class bookings – on IRCTC (in peak season)4% benefit :
– 4% benefit is valid only for travel dates between 1st April – 14th July, and 16th Sep – 14th Jan
– You earn 16 reward points worth ₹4, on every ₹100 on ticket purchases

0.50% benefit :
You earn 2 reward points worth ₹0.50 or 50 paise, on every ₹100 you spend on railway ticket purchases.
1% benefit on grocery and department store purchasesYou earn 4 reward points worth ₹1, on every ₹100 you spend in this category.
0.50% benefit on all other spends You earn 2 reward points worth ₹0.50 or 50 paise, on every ₹100 you spend on all other spends.
Complimentary railway lounge access – 1 per quarterYou enjoy 4 complimentary railway lounge visits per year at participating lounges in India, with a maximum of 1 visit allowed per quarter.

For details, please click here.
1% fuel surcharge waiverYou get 1% fuel surcharge waiver at all fuel stations across India –
– only on fuel transactions between ₹500 and ₹3,000 AND
– only on upto ₹10,000 fuel spend per month, since the maximum waiver is capped at ₹100 per monthly card statement cycle
₹350 annual fee (₹500 in 1st year only)Annual fee offers :
– Welcome offer : You get 1000 reward points worth ₹250, when you do a single card transaction of 1000 or more within 45 days of card issuance.
3 free add-on cards You get 3-lifetime free add-on cards for your spouse, parents, siblings, or children.
Minimum income requirementSalaried : ₹3.60 lakhs per year
Self-employed : ₹4.80 lakhs per year

Pros and Cons of IRCTC Bank of Baroda Rupay Credit Card

Pros
  • Cardholders earn accelerated reward points on train ticket bookings and grocery & department store spending. Additionally, enjoy 1% cashback on booking tickets through the IRCTC website or apps. This allows you to earn rewards faster and save on your travel expenses.
  • Cardholders gain access to train lounges, providing a comfortable and convenient space while waiting for their train. This is especially beneficial considering the occasional delays of trains in India, allowing you to relax and enjoy your travel experience.
  • Lastly, the IRCTC BOB Rupay Credit Card comes with low joining and renewal fees, making it an excellent choice for beginners and those new to travel cards. This makes it more accessible and affordable, ensuring that you can enjoy the benefits and rewards without a hefty financial commitment.
Cons
  • The IRCTC BOB Rupay Credit Card is primarily designed for domestic travel through trains and bookings made on the IRCTC platform. If you frequently travel internationally or prefer other modes of transportation, the card may have limited utility for your travel needs.
  • While the card offers accelerated reward points on train ticket bookings and specific categories like grocery and department store spends, the rewards rates for other general expenses may be comparatively lower when compared to other credit cards in the market. If you have a wide range of spending categories, you may find other cards that offer more attractive rewards on a broader spectrum of purchases.

Full Review: A Detailed Review of the IRCTC BOB Rupay Credit Card

Features & Benefits of IRCTC BOB Rupay Credit Card

4.50% – 10.50% benefits on rail ticket bookings through IRCTC

Earning Rewards Points

4.50% benefit during peak season travel (for travel between 1 April – 14 July, and between 16 September – 14 January) : You earn 18 reward points worth ₹4.50 – on every ₹100 you spend on train ticket bookings.

  • Basic benefit of 2 reward points, worth ₹0.50, on every ₹100 you spend on train ticket bookings
  • Special benefit of 16 reward points, worth ₹4, on every ₹100 you spend on train ticket bookings

10.50% benefit during non-peak season travel (for travel between 1 April – 14 July, and between 16 September – 14 January) : You earn 42 reward points worth ₹10.50 – on every ₹100 you spend on train ticket bookings.

  • Special benefit of 40 points worth ₹10, on every ₹100 you spend on train ticket bookings
  • Basic benefit of 2 points worth ₹0.50, on every ₹100 you spend on train ticket bookings

Redeeming Reward Points

Conversion to IRCTC Travel Points –

  • 4 BoB Reward Points = 1 IRCTC Travel Point. 1 IRCTC Travel Point = ₹1, hence BoB Reward Point = ₹0.25.
  • You need to add your IRCTC Loyalty Number (mentioned on the BOB IRCTC Credit Card), to your IRCTC Online Account (under the loyalty section of the IRCTC website) – once you receive your credit card. You also need to mention your IRCTC Loyalty Number and BOB IRCTC Credit Card details at the time of booking your rail ticket, in order to be eligible for reward points.Please click here to know the detailed step-by-step guide on this, and also other details.
  • Travel points will be credited only 5 days after the date of journey completion, if the ticket is not cancelled.
  • Reward points are earned only on the fare of the Primary Cardholder/s and not on the fare of the entire ticket. The Primary Cardholder will have to mandatorily be one of the passengers listed on the railway ticket. In case the Add-on Cardholder pays the ticket fare, accelerated reward points will be applicable only to the Primary Cardholder/s.

Conversion to Cashback –

You can easily redeem your points for cashback, online OR through their helpline. 1 Reward point = ₹0.25 or 25 paise. This cashback goes towards paying your monthly credit card statement.

Other Important Information : Reward Points are valid for 2 years.

1% benefit on department store & grocery purchases, 0.50% basic benefit on all other purchases

Earning Rewards

You earn 4 Reward Points worth ₹1, on every ₹100 you spend on grocery & department store purchases (i.e. 1% benefit)

And you earn 2 Reward Points worth ₹0.50, on every ₹100 you spend on all other purchases, except the below 2 categories –

  1. Fuel : You earn no reward points
  2. Spend Categories like rent, education, utilities, government, insurance, charity, supermarket : you earn 1.5 3 reward points worth 37 paise, on every ₹100 you spend. For full list and details please click here – list of special MCCs

Monthly limits to earn reward points : You can earn a maximum of 1,000 BOB reward points per month.

Redeeming Reward Points & Other Important Information : same as explained in above section

Complimentary visits to railway lounges in India – upto 1 time per quarter

You get 4 complimentary train lounge access per year, i.e. maximum one visit per quarter. This benefit is applicable at participating railway lounges, allowing you to enjoy a comfortable and relaxed environment while waiting for your train.

1% transaction charges waiver – on IRCTC website/ mobile app

You earn 1% cashback on buying train tickets through the IRCTC website or App – as a compensation for the 1% transaction charges. This cashback is credited to your monthly credit card bill.
This is applicable only to rail ticket bookings of the Primary Cardholder. Please note that transaction charges will be reversed for cancelled tickets.

1% fuel surcharge

Applicable fuel stations and brands: Fuel surcharge waiver applies to all petrol stations.

Monthly Limits on waiver benefits:

  • The waiver is given only if you spend a minimum of ₹500 and a maximum of ₹3,000 on a fuel purchase
  • The waiver is given upto a maximum of ₹10,000 in fuel expenditures per monthly card billing cycle (since the maximum waiver is ₹100 per month)
3 free add-on cards

Eterna Credit Card offers the convenience of add-on cards, allowing you to extend the benefits of your card to your loved ones –

Lifetime free add-on cards: You can avail of up to 3-lifetime free add-on cards for your spouse, parents, siblings, or children. This enables your family members to enjoy the features and privileges of the Eterna Credit Card.

Shared benefits: With add-on cards, you can easily manage and track the expenses of your family members. Additionally, any reward points earned on the add-on cards contribute to the primary cardholder’s rewards account.

Zero liability for lost card

In the unfortunate event of losing your card, it is crucial to report the loss immediately to ensure zero liability for any fraudulent transactions. Here are the key details:

  • Prompt Reporting: As soon as you discover the loss of your card, notify the card issuer or bank immediately.
  • Zero Liability Protection: By reporting the loss promptly, you are protected from any liability for fraudulent transactions made on your lost card. This means you will not be held responsible for any unauthorised charges.
  • Fraud Investigation: Once you report the loss, the card issuer or bank will initiate an investigation into the unauthorised transactions. They will work to resolve the issue and ensure that you are not held accountable for any fraudulent activity.

IRCTC BOB Rupay Credit Card Fees and Charges

Annual and joining fee
Annual FeesOffers
1st year joining fees₹500Welcome Benefits: Earn 1,000 reward points worth ₹250, as cashback on a single transaction of ₹1000 or more within 45 days of card issuance.
Renewal fees from 2nd year onwards₹350Nil
Late Payment Fees

Late payment fees depends on the total payment due

Payment amount dueLate fee
Less than ₹200NIL
₹200 to ₹500₹100
₹501 to ₹1,000₹400
₹1,001 to ₹10,000₹500
Over ₹10,000₹750

Eligibility Criteria

Minimum age21 years
Maximum age65 years
OccupationSalaried and self-employed
Minimum income requirementsSalaried Individuals: ₹3.6 lakhs per annum
Self-Employed Individuals: ₹4.2 lakhs per annum
Residential statusThe individual should be a Resident of India.

Necessary documents and verification

Required Documents 
PAN card photocopy
Income Documents (Bank statement showing latest salary credit for Salaried/Current FY ITR for Self-Employed.)
Company ID Card or Visiting Card
Current Address Proof
1 Recent Passport-size Photograph

Snapdeal BOB Credit Card

The Snapdeal Bank of Baroda Credit Card is a co-branded credit card offered by the Bank of Baroda in partnership with Snapdeal, one of India’s leading e-commerce platforms.

This credit card is designed to provide exclusive benefits and rewards to those who shop frequently on Snapdeal. . It also offers special benefits on online shopping.

Snapdeal BOB Credit Card : Brief Overview

5% benefit on Snapdeal You earn 20 reward points worth  ₹5,  on every ₹100 you spend on Snapdeal purchases
2.50% benefit on ‘online shopping’ (other than Snapdeal shopping), department store spends & grocery shoppingYou earn 10 reward points worth  ₹2.50,  on every ₹100 you spend on this category – on purchases upto ₹20,000 per month (since the maximum number of reward points are capped at 2000 reward points per your monthly card billing cycle)
1% basic benefit on all other spendsYou earn 4 reward points worth  ₹1,  on every ₹100 you spend on all other purchases
3 free add- on cardsYou get up to 3-lifetime free add-on cards for your spouse, parents, siblings, or children with the IRCTC BOB Credit Card.
Fuel surcharge waiver1% fuel surcharge waiver at all fuel stations: on all fuel spends between ₹400 and ₹5,000 per month, AND upto spends of ₹25,000 per month (since the maximum waiver amount is capped at ₹250 per month).
₹249 annual feeAnnual fee offers – 
Welcome benefits: You get Snapdeal vouchers worth ₹500 on paying the joining fees and using the card within 30 days of card issuance.
Minimum Income Requirements₹3.60 lakhs per year (salaried), 4.80 lakhs per annum (self employed)

Pros and Cons of Snapdeal Bank of Baroda Credit Card

Pros
  • Attractive benefit rate (5%) on Snapdeal
  • Good benefit rate (2.50%) on online shopping
  • Low annual fee
Cons
  • Attractive benefits restricted to Snapdeal, hence more suitable for those who like shopping on Snapdeal
  • No spend based annual fee waiver

Full Review: A Detailed Review of the Snapdeal BOB Credit Card

Snapdeal BOB Credit Card

Features & Benefits of Snapdeal BOB Credit Card

5% benefit on Snapdeal shopping

Earning Rewards: You earn 20 reward points on every ₹100 you spend on Snapdeal purchases = ₹5 on every ₹100 you spend on your card (since 1 Reward point = ₹0.25 or 25 paise).

Redeeming Reward Points: You can easily redeem your points for cashback, online OR through their helpline. 1 Reward point = ₹0.25 or 25 paise. This cashback goes towards paying your monthly credit card bill.

Limits on Special Benefits: This category has no cap on reward points.

Other important information: The reward points expire after two years – from the date of earning.

2.5% Benefits Online Shopping (except Snapdeal), Grocery & Departmental Stores

Earning Rewards: You earn 10 reward points on every ₹100 you spend in this category = ₹2.50 on every ₹100 you spend on your card (since 1 Reward point = ₹0.25 or 25 paise).

Limits on Special Benefits: The reward on special benefits are capped at 2,000 reward points per monthly card billing cycle = on purchases up to ₹20,000 per monthly card billing cycle.

Redeeming Reward Points & Other important information: same as explained in the above section

1% Benefits on Other Spends

Earning Rewards: You earn 4 reward points on every ₹100 you spend in this category = ₹1 on every ₹100 you spend on your card (since 1 Reward point = ₹0.25 or 25 paise).

Limits on Special Benefits: There are no monthly limits on earning reward points in this category

Redeeming Reward Points & Other important information: same as explained in the above section

1% Fuel Surcharge

Applicable fuel stations and brands: Fuel surcharge waiver applies to all petrol stations.

Monthly Limits on waiver benefits:

  • The waiver is given only if you spend a minimum of ₹400 and a maximum of ₹5000 on a fuel purchase
  • The waiver is given upto a maximum of ₹25,000 in fuel expenditures per monthly card billing cycle (since the maximum waiver is ₹250 per month)
3 free Add-on Cards

Bank of Baroda Eterna Credit Card offers the convenience of add-on cards, allowing you to extend the benefits of your card to your loved ones –

Lifetime Free Add-on Cards: You can avail of up to 3-lifetime free add-on cards for your spouse, parents, siblings, or children. This enables your family members to enjoy the features and privileges of the Bank of Baroda Eterna Credit Card.

Shared Benefits: With add-on cards, you can easily manage and track the expenses of your family members. Additionally, any reward points earned on the add-on cards contribute to the primary cardholder’s rewards account.

Snapdeal BOB Credit Card Fees and Charges

Annual and joining fees
FeesOffers
1st year joining fees₹249Welcome benefits: You get Snapdeal vouchers worth ₹500 on paying the joining fees and using the card within 30 days of card issuance
Renewal fees from 2nd year onwards₹249Nil

Eligibility Criteria

Minimum Age21 years
Maximum Age65 years
OccupationSalaried and self-employed
Minimum Income RequirementsSalaried Individuals: ₹3.6 lakhs per annum
Self-Employed Individuals: ₹4.8 lakhs per annum
Residential StatusThe individual should be a Resident of India.

Necessary documents and verification

Required Documents 
PAN card photocopy
Income Documents (Bank statement showing latest salary credit for Salaried/Current FY ITR for Self-Employed.)
Company ID Card or Visiting Card
Current Address Proof
1 Recent Passport-size Photograph

Bank of Baroda Premier Credit Card

The BOB Premier Credit Card has attractive benefits on travel, international spending and dining. It also provides complimentary access to airport lounges and other benefits.

Bank of Baroda Premier Credit Card : Brief Overview

2.50% benefit on travel, dining & international transactionsYou earn 10 reward points worth ₹2.50, on every ₹100 you spend on travel, dining & international transactions (since 1 reward point = ₹0.25). On purchases upto ₹20,000 spends per month , in this category (since you can earn a maximum number of 2,000 reward points in this category per monthly card billing cycle)
0.50% benefits on all other spendsYou earn 2 reward points worth ₹0.50, on every ₹100 you spend on all other purchases (since 1 reward point = ₹0.25), except below 2 categories

1. Fuel : You earn no reward points
2. Spend Categories like rent, education, utilities, government, insurance, charity, supermarket : you earn 1 reward points worth 25 paise, on every ₹100 you spend. For full list and details please click here – list of special MCCs
Complimentary access to airport lounges in India – 1 time per quarterYou get 4 complimentary airport lounge visits per year, maximum one visit per quarter.
3 free add- on cardsYou get up to 3-lifetime free add-on cards for your spouse, parents, siblings, or children with the IRCTC Bank of Baroda Credit Card.
Fuel surcharge waiverYou get 1% fuel surcharge waiver at all fuel stations across India –
on fuel transactions between ₹400 and ₹5,000 only AND
on upto ₹25,000 fuel spend per month, since the maximum waiver is capped at ₹250 per monthly card billing cycle
₹1,000 annual feeWelcome offer : The first year fee is waived if you spend ₹10,000 or more, within 60 days of card issuance.

Renewal fee offer : Renewal fee is not charged if you spend ₹1.20 lakhs or more in the previous year

Pros and Cons of Premier Credit Card

Pros
  • Good benefit rate (2.50%) on travel, international spending & dining spends
  • 1 free visit per quarter – to airport lounges in India
  • 1st year fee covered by welcome benefit
  • Annual spend target to waive annual fee not very high
Cons
  • Can get better benefit rate on travel spends on other cards

Full Review: A Detailed Review of the Premier Credit Card

Premier Credit Card

Features & Benefits of Premier Credit Card

2.5% Benefits on Travel, Dining & International Transactions

Earning Reward Points : You earn 10 reward points on every ₹100 you spend = you earn ₹2.50 on every ₹100 you spend on your card (since 1 reward point = ₹0.25 or 25 paise)

Redeeming Reward Points : You can easily redeem your points for cashback, online OR through their helpline. 1 Reward point = ₹0.25 or 25 paise. This cashback goes towards paying your monthly credit card bill.

Limits on earning special benefits : This special benefit is valid on the 3 categories mentioned above – on combined total purchases upto ₹20,000 per month, since the maximum number of special / accelerated reward points is 2,000 reward points per monthly card billing cycle. After the first ₹20,000 spent in this category during the month, you shall receive a basic benefit rate of 2 reward points worth ₹0.50, for each additional ₹100 you spend.

Other important information : Reward Points are valid for 2 years.

0.50% Benefits on Other Spends

Earning Reward Points : You earn 2 reward points on every ₹100 you spend = you earn ₹0.50 on every ₹100 you spend on your card (since 1 reward point = ₹0.25 or 25 paise)

Limits on Benefits : There are no monthly limits on earning reward points in this category

Redeeming Reward Points & Other important information : same as explained in the above section

Complimentary visits to airport lounges in India – 1 per quarter

You get 4 complimentary airport lounge visits per year, maximum one visit per quarter.

The details vary depending on whether you have the Mastercard version or the Visa version of the Bank of Baroda Premier credit card. Visa Cardholders can refer to the details here. Rupay Cardholders can refer to the details here.

1% Fuel Surcharge Waiver

This is valid on fuel purchases at ALL fuel stations, on all fuel expenses between ₹400 and ₹5,000, AND on fuel purchases upto ₹25,000 per month (since the maximum surcharge waiver amount is ₹250 per monthly card billing cycle). After the first ₹25,000 spent on fuel purchases during the month, you shall be charged fuel surcharge on all additional fuel expenditure during your monthly card billing cycle.

3 free Add-on Cards

Eterna Credit Card offers the convenience of add-on cards, allowing you to extend the benefits of your card to your loved ones – 

Lifetime Free Add-on Cards: You can avail of up to 3-lifetime free add-on cards for your spouse, parents, siblings, or children. This enables your family members to enjoy the features and privileges of the Eterna Credit Card.

Shared Benefits: With add-on cards, you can easily manage and track the expenses of your family members. Additionally, any reward points earned on the add-on cards contribute to the primary cardholder’s rewards account.

BoB Premier Credit Card Fees and Charges

Annual and joining fees
FeesOffers
1st year joining fees₹1000Welcome benefits : The first year fee is waived if you spend ₹10,000 or more, within 60 days of card issuance. Fee reversal appears in the 4th bill if every card bill payment is made on time.
Renewal fees from 2nd year onwards₹1000Renewal fee waiver at ₹1,20,000 spend per year : Renewal fee is not charged if you spend ₹1.20 lakhs or more in the previous year

Hence the card is virtually lifetime free if you spend ₹1,20,000 or more each year
Late Payment Fees

Late payment fees depends on the total card bill payment due

Total Payment Amount DueLate Fees
Less than ₹200NIL
₹200 to ₹500₹100
₹501 to ₹1,000₹400
₹1,001 to ₹10,000₹500
Over ₹10,000₹750

Eligibility Criteria

These are general requirements, usually required for getting a credit card, please check specific details with BOB Cards.

Minimum Age21 years
Maximum Age65 years
OccupationSalaried and self-employed
Income RequirementsNot specified
Residential StatusThe individual should be a Resident of India.

Necessary documents and verification

Required Documents 
PAN card photocopy
Income Documents (Bank statement showing latest salary credit for Salaried/Current FY ITR for Self-Employed.)
Company ID Card or Visiting Card
Current Address Proof
1 Recent Passport-size Photograph

These are general requirements, usually required for getting a credit card, please check specific details with BOB Cards

Bank of Baroda Prime Credit Card

The Bank of Baroda Prime Credit Card is a good beginner card. It is lifetime free. It is issued against a fixed deposit to those who do not have a good credit history and/or to those who do not have a regular source of income. Hence it is an ideal card for students, those starting their first jobs, homemakers, gig economy workers, senior citizens, and self-employed individuals. By paying regularly on this card, one can build one’s credit history which will help in securing loans in the future.

Bank of Baroda Prime Credit Card : Brief Overview

Lifetime Free CardThere is zero joining fee & zero annual fee on Bank of Baroda Prime credit card
Guaranteed card approval – based on Fixed DepositThis is a secured card, given on the basis of a fixed deposit – minimum fixed deposit of ₹15,000
0.40% benefit on all purchasesYou earn 2 reward points worth ₹0.40, on every ₹100 you spend on all purchases (since 1 reward point = ₹0.20 or 20 paise), except below 2 categories

1. Fuel : You earn no reward points
2. Spend Categories like rent, education, utilities, government, insurance, charity, supermarket : you earn 1 reward points worth 20 paise, on every ₹100 you spend. For full list and details please click here – list of special MCCs
1% Fee Surcharge WaiverYou get 1% fuel surcharge waiver at all fuel stations across India –
on fuel transactions between ₹400 and ₹5,000 AND
on upto ₹25,000 fuel spend per month, since the maximum waiver is capped at ₹250 per monthly card billing cycle
3 free add- on cardsYou get up to 3-lifetime free add-on cards for your spouse, parents, siblings, or children with the IRCTC BOB Credit Card.

Pros and Cons of Bank of Baroda Prime Credit Card

Pros
  • This Bank of Baroda Prime credit card is ideal for individuals who may not have regular income AND/OR for those who do not have a good credit history – like students, those starting their first jobs, homemakers, gig economy workers, senior citizens, and self-employed individuals.
  • The credit card is lifetime free
  • 1% Fee Surcharge Waiver
Cons
  • Low reward rate of 0.40%

Full Review: A Detailed Review of the Bank of Baroda Prime Credit Card

Bank of Baroda Prime Credit Card

Features & Benefits of Bank of Baroda Prime Credit Card

0.40% benefit on all purchases

Earning Reward Points : You earn 2 reward points on every ₹100 you spend = you earn ₹0.40 on every ₹100 you spend on your card (since 1 reward point = ₹0.20 or 20 paise). Except below 2 categories –

  1. Fuel : You earn no reward points
  2. Spend Categories like rent, education, utilities, government, insurance, charity, supermarket : you earn 1 reward points worth 20 paise, on every ₹100 you spend. For full list and details please click here – list of special MCCs

Redeeming Reward Points : You can easily redeem your points for cashback, online OR through their helpline. 1 Reward point = ₹0.20 or 20 paise. This cashback goes towards paying your monthly credit card bill.

Limits on Benefits : There are no monthly limits on earning reward points in this category

Other important information : Reward Points are valid for 2 years.

1% Fuel Surcharge

Applicable fuel stations and brands: Fuel surcharge waiver applies to all petrol stations.

Monthly Limits on waiver benefits:

  • The waiver is given only if you spend a minimum of ₹400 and a maximum of ₹5000 on a fuel purchase
  • The waiver is given upto a maximum of ₹25,000 in fuel expenditures per monthly card billing cycle (since the maximum waiver is ₹250 per month)
3 free Add-on Cards

Eterna Credit Card offers the convenience of add-on cards, allowing you to extend the benefits of your card to your loved ones –

Lifetime Free Add-on Cards: You can avail of up to 3-lifetime free add-on cards for your spouse, parents, siblings, or children. This enables your family members to enjoy the features and privileges of the Eterna Credit Card.

Shared Benefits: With add-on cards, you can easily manage and track the expenses of your family members. Additionally, any reward points earned on the add-on cards contribute to the primary cardholder’s rewards account.

Conclusion

In conclusion, there is a diverse range of Bank of Baroda credit cards tailored to suit different needs and preferences. In this post we looked at 5 different cards from BOB Financial. While BOB Eterna Credit Card is good for premium customers, IRCTC BoB Rupay Credit Card is a specialised card for frequent rail travellers. For avid Snapdeal shoppers, BOB offers the Snapdeal Credit Card, while the Prime Credit Card is a great card for beginners. Lastly the Bank of Baroda Premier Credit Card is a good travel card which also offers special benefits on dining expenses.

With these credit card options, BOB aims to provide customers with flexibility, convenience, and rewarding experiences based on one’s needs.

Apply Now

on Bank of Baroda secure site

Frequently Asked Questions

How can I apply for a BOB credit card?

To apply for a BOB credit card, you can visit the Bank of Baroda’s official website or a nearby branch. Please fill out the application form, provide the necessary documents, and submit them as per the bank’s guidelines.

What documents are required to apply for a BOB credit card?

The required documents may vary depending on the type of credit card you are applying for. Generally, you will need proof of identity (such as a PAN card, Aadhaar card, or passport), proof of address (such as utility bills or rental agreement), income proof (salary slips, IT returns, etc.), and passport-sized photographs.

What are the eligibility criteria for Bank of Baroda credit cards?

The eligibility criteria for Bank of Baroda credit cards may differ based on the specific card. However, some common factors include age, income, employment status, credit history, and the bank’s internal policies. Refer to eligibility criteria listed on respective product pages on the BOB website.

How long does it take to get approved for a BOB credit card?

The approval time may vary depending on the completeness of your application and the verification process. Generally, it takes a few working days for the bank to review your application and provide a decision.

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