PREMIUM BOB CARD OFFERING CASHBACK ON A VARIETY OF SPENDS || GOOD LIFESTYLE BENEFITS

Bank of Baroda Eterna Credit Card

Our Rating 4.0
Top Reasons to Choose
3.75%
Cashback on travel spends || online shopping || dining spends || international spends
Upto 1.50%
Additional cashback, at ₹5 lakh yearly card spend
✔︎
Unlimited complimentary access to airport lounges in India
✔︎
Complimentary golf rounds (4 per year) & golf lessons (12 per year) - on Mastercard variant of card
✔︎
Low fee of 2% on international transactions
✔︎
1 free movie ticket (upto ₹250) each month – at Paytm Movies
Annual Fee

₹2499

Minimum Income

₹12 lakhs per year (both salaried and self-employed)

Annual Fee Offers
  • Welcome offer : 1st year annual fee waived off at ₹25000 card spend within 60 days of card issuance
  • Renewal offer : Annual fee is not charged from the 2nd year onwards, if you spend ₹2.50 lakhs or more in the previous year

BEST FOR MONTHLY FUEL PURCHASES UPTO ₹5000

HPCL Bank Of Baroda Energie Credit Card

Our Rating 4.25
Top Reasons to Choose
6.50%
Benefit on HPCL fuel purchases - only on fuel purchases upto ₹5000 per month
1.66%
Benefit on utility bill payments, grocery purchases & department store spends - on total purchases upto ₹15,000 per month
✔︎
Complimentary airport lounge access in India – 1 time per quarter
✔︎
Movie benefit at Paytm Movies - upto ₹200 per month
Annual Fee

₹499

Minimum Income

Salaried : ₹3.60 lakhs per year || Self-employed : ₹4.80 lakhs per year

Annual Fee Offers
  • Welcome offer worth ₹500 : 2000 bonus rewards points worth ₹500, on spending ₹5000 or more within 60 days of receiving the card.
  • Renewal offer : Annual fee is waived from the second year onwards, if you spend ₹50,000 or more on your card in the previous year.

Best for AC class rail ticket bookings - at IRCTC

IRCTC BoB Rupay Credit Card

Our Rating 3.75
Top Reasons to Choose
10.50%
Benefit on AC rail ticket bookings on IRCTC – in non-peak season (between 15th Jan – 31st Mar, and 15th July – 15th Sep)
4.50%
Benefit on AC rail ticket bookings on IRCTC – in peak season (between 1st April – 14th July, and 16th Sep – 14th Jan)
✔︎
Complimentary railway lounge access – 1 per quarter
✔︎
1% transaction charges waiver on railway ticket bookings on IRCTC
Annual Fee

₹350

Minimum Income

Salaried : ₹3.60 lakhs per year || Self-employed : ₹4.80 lakhs per year

Annual Fee Offers
  • Welcome offer : 1000 reward points worth ₹250, when you do a credit card transaction of ₹1000 or more within 45 days of card issuance.

BEST FOR FREQUENT SHOPPERS AT SNAPDEAL

Snapdeal BOB Credit Card

Our Rating 4.0
Top Reasons to Choose
5%
Cashback on Snapdeal purchases
2.50%
Cashback on ‘online shopping’ (other than Snapdeal shopping) || department store spends || grocery shopping
Annual Fee

₹249

Minimum Income

₹3.60 lakhs per year (salaried) || ₹4.80 lakhs per year (self-employed)

Annual Fee Offers
  • Welcome offer : Snapdeal vouchers worth ₹500, on paying the joining fees and using the card within 30 days of card issuance.

LIFETIME FREE BOB CARD, ISSUED AGAINST FIXED DEPOSIT

Bank of Baroda PRIME Credit Card

Our Rating 4.0
Top Reasons to Choose
✔︎
Lifetime free card – zero annual fee
✔︎
Guaranteed approval card against fixed deposit – no income proof required || no credit score required
✔︎
Fuel surcharge waiver, upto ₹250 per month
Annual Fee

₹0

Minimum Income

Not required, since the card is issued against a fixed deposit

Annual Fee Offers
  • Nil

BEGINNER TRAVEL CARD FROM BOB

Bank of Baroda Premier Credit Card

Our Rating 3.50
Top Reasons to Choose
2.50%
Cashback on travel, dining & international transactions
✔︎
Complimentary access to airport lounges in India – 1 time per quarter
Annual Fee

₹1000

Minimum Income

Not specified

Annual Fee Offers
  • Welcome offer : 1st year fee waived, if you spend ₹10,000 or more within 60 days of card issuance
  • Renewal fee offer : Annual fee is not charged from the 2nd year onwards, if you spend ₹1.20 lakhs or more in the previous year

STARTER BOB CARD - Annual fee waiver at ₹35000 yearly card spend || LIMITED TIME LIFETIME FREE CARD OFFER

Bank of Baroda Easy Credit Card

Our Rating 3.25
Top Reasons to Choose
✔︎
Annual fee is waived at ₹35000 yearly card spend
1.25%
Cashback on department store purchases and movie spends
✔︎
Fuel surcharge waiver upto ₹250 per month
Annual Fee

₹500

Minimum Income

Not specified

Annual Fee Offers
  • Welcome offer : 1st year fee waived, if you spend at ₹6000 or more on your card within 60 days of card issuance
  • Renewal fee offer : Annual fee is not charged from the 2nd year onwards, if you spend ₹35,000 or more on your card in the previous year

ANNUAL FEE WAIVER AT ₹70000 ANNUAL CARD SPEND

Bank of Baroda Select Credit Card

Our Rating 3.25
Top Reasons to Choose
✔︎
Annual fee is waived, at ₹70,000 yearly card spend
1.25%
Cashback on dining spends and online shopping
✔︎
Fuel surcharge waiver, upto ₹250 per month
Annual Fee

₹750

Minimum Income

Not specified

Annual Fee Offers
  • Welcome offer : The first year fee is not charged, if you spend ₹7500 or more on your card within 60 days of card issuance
  • Renewal fee offer : Annual fee is not charged from the 2nd year onwards, if you spend ₹70,000 or more on your card in the previous year

Lifetime free card, exclusively for Indian Coast Guards Personnel

Bank of Baroda RAKSHAMAH Credit Card

Our Rating
Top Reasons to Choose
✔︎
Lifetime free card, exclusively for Indian Coast Guards Personnel
2.50%
Cashback on department store and grocery purchases - on purchases upto ₹10,000 per month
✔︎
Complimentary access to airport lounges in India – 2 per quarter
✔︎
Complimentary golf rounds / golf lessons – 1 per quarter
Annual Fee

₹0

Minimum Income

Not specified

Annual Fee Offers
  • Welcome offer : 1000 reward points worth ₹250 || 12-month Amazon Prime Membership || 6-month FITPASS Pro Membership.

Lifetime free card, exclusively for Indian Army Personnel

Bank of Baroda INDIAN ARMY YODDHA Credit Card

Our Rating 3.75
Top Reasons to Choose
✔︎
Lifetime free card, exclusively for Indian Army Personnel
2.50%
Cashback on department store and grocery purchases
✔︎
Complimentary access to airport lounges in India – 2 per quarter
✔︎
Complimentary golf rounds / golf lessons – 1 per quarter
Annual Fee

₹0

Minimum Income

Not specified

Annual Fee Offers
  • Welcome offer : 1000 reward points worth ₹250 || 12-month Amazon Prime Membership || 6-month FITPASS Pro Membership.

Lifetime free card, exclusively for Assam Rifles Personnel

Bank of Baroda The Sentinel Credit Card

Our Rating
Top Reasons to Choose
✔︎
Lifetime free card, exclusively for Assam Rifles Personnel
2.50%
Cashback on department store and grocery purchases - on purchases upto ₹10,000 per month
✔︎
Complimentary access to airport lounges in India – 2 per quarter
✔︎
Complimentary golf rounds / golf lessons – 1 per quarter
Annual Fee

₹0

Minimum Income

Not specified

Annual Fee Offers
  • Welcome offer : 1000 reward points worth ₹250 || 12-month Amazon Prime Membership || 6-month FITPASS Pro Membership.

Lifetime free card, exclusively for Indian Defence Personnel

Bank of Baroda VIKRAM Credit Card

Our Rating 3.50
Top Reasons to Choose
✔︎
Lifetime free card, exclusively for Indian Defence Personnel
✔︎
Free ‘accidental death insurance’ (air & non-air : ₹20 lakhs)
✔︎
Fuel surcharge waiver, upto ₹250 per month
Annual Fee

₹0

Minimum Income

Not specified

Annual Fee Offers
  • Welcome offer : Complimentary 3 month Disney Hotstar subscription, on card activation.

Lifetime free card, exclusively for Indian Navy Personnel

Bank of Baroda Varunah Credit Card

Our Rating 3.50
Top Reasons to Choose
✔︎
Lifetime free card, exclusively for Indian Navy Personnel
✔︎
Fuel surcharge waiver, upto ₹100 per month
Annual Fee

₹0

Minimum Income

Not specified

Annual Fee Offers
  • Nil

Exclusive card for Indian Navy Personnel

Bank of Baroda Varunah Plus Credit Card

Our Rating 3.75
Top Reasons to Choose
2.50%
Cashback on travel spends, dining spends, online spends and international spends
✔︎
Complimentary access to airport lounges in India – 3 times per quarter
✔︎
Reduced fee of 2.50% on international transactions
Annual Fee

₹1499

Minimum Income

Not specified

Annual Fee Offers
  • Welcome offer : 1st year fee is waived if you spend ₹15000 or more, within 180 days of card issuance || Complimentary 12-month Amazon Prime membership.
  • Renewal offer : Annual fee is not charged from the 2nd year onwards, if you spend ₹1.50 lakhs or more in the previous year.

Exclusive card for Indian Navy Personnel

Bank of Baroda Varunah Premium Credit Card

Our Rating 4.0
Top Reasons to Choose
✔︎
Exclusively for Indian Navy Personnel
3.75%
Cashback on travel spends, dining spends, online spends and international spends
✔︎
Unlimited complimentary access to airport lounges in India
✔︎
Reduced fee of 2% on international transactions
Annual Fee

₹2499

Minimum Income

Not specified

Annual Fee Offers
  • Welcome offer : 1st year fee is waived, if you spend ₹25000 or more within 180 days of card issuance || Complimentary 12-month Amazon Prime membership
  • Renewal offer : Annual fee is not charged from the 2nd year onwards, if you spend ₹1.50 lakhs or more in the previous year.

Lifetime free card, exclusively designed for Institute of Company Secretaries of India (ICSI) members

Bank of Baroda ICSI Diamond Credit Card

Our Rating 3.50
Top Reasons to Choose
✔︎
Lifetime free card, exclusively for ICSI Members (company secretaries)
✔︎
Complimentary access to airport lounges in India – 3 per quarter
✔︎
Reduced fee of 2% on international credit card transactions
Annual Fee

₹0

Minimum Income

Not specified

Annual Fee Offers
  • Welcome offers : 1000 reward points worth ₹250, on your 1st card transaction within 30 days of card issuance || FITPASS Pro membership for 6 months worth ₹15000.

Lifetime free card, exclusively designed for The Institute of Chartered Accountants of India (ICAI) members

Bank of Baroda ICAI EXCLUSIVE Credit Card

Our Rating 3.50
Top Reasons to Choose
✔︎
Lifetime free card, exclusively for ICAI members (chartered accountants)
✔︎
Complimentary access to airport lounges in India – 3 per quarter
✔︎
Reduced fee of 2% on international credit card transactions
Annual Fee

₹0

Minimum Income

Not specified

Annual Fee Offers
  • Welcome offers : 1000 reward points worth ₹250, on your 1st card transaction within 30 days of card issuance || FITPASS Pro membership for 6 months worth ₹15000.

Lifetime free card, exclusively for ICMAI (The Institute of Cost Accountants of India) members

Bank of Baroda CMA ONE Credit Card

Our Rating 3.50
Top Reasons to Choose
✔︎
Lifetime free card, exclusively for ICMAI members (certified management accountants)
✔︎
Complimentary access to airport lounges in India – 3 per quarter
✔︎
Reduced fee of 2% on international credit card transactions
Annual Fee

₹0

Minimum Income

Not specified

Annual Fee Offers
  • Welcome offers : 1000 reward points worth ₹250, on your 1st card transaction within 30 days of card issuance || FITPASS Pro membership for 6 months worth ₹15000.

Different Types of Bank of Baroda Credit Cards

Bank of Baroda premium credit card - Bank of Baroda Eterna Credit Card

Bank of Baroda travel credit cards

Bank of Baroda online shopping credit cards - Bank of Baroda Eterna Credit Card, Snapdeal BOB Credit Card

Bank of Baroda fuel credit card - HPCL Bank Of Baroda Energie Credit Card

Bank of Baroda lifetime free credit cards - Bank of Baroda PRIME Credit Card and Bank of Baroda Easy Credit Card which is offered as lifetime free for a limited time period

Bank of Baroda fixed deposit credit card - Bank of Baroda PRIME Credit Card

Bank of Baroda cashback cards - many cards of BOB are cashback cards, since they allow you to convert earned reward points as cashback credit to your card statement

Bank of Baroda specialised credit cards for defence personnel

Bank of Baroda specialised credit cards for professionals

Bank of Baroda Credit Card Offers

Bank of Baroda Credit Cards come with a wide range of offers and rewards. Some of the popular Bank of Baroda Credit Card offers are -

  • Bank of Baroda Credit Cards with cashback offers
  • Bank of Baroda Credit Cards with airport lounge access offers
  • Bank of Baroda Credit Cards with railway lounge access offers
  • Bank of Baroda Credit Cards with shopping offers
  • Bank of Baroda Credit Cards with travel offers, including railway booking offers
  • Bank of Baroda Credit Cards with golf offers
  • Bank of Baroda Credit Cards with dining offers
  • Bank of Baroda Credit Cards with annual fee offers

How can I apply for a Bank of Baroda Credit Card? 

You can apply for a Bank of Baroda Credit Card online or offline.

Bank of Baroda Credit Card - Apply Online 

You can apply for a Bank of Baroda Credit Card online, by clicking the APPLY NOW button provided against each of the Bank of Baroda Credit Cards on this page. You shall be taken to the Bank of Baroda credit card application page on the BOB Financial website. 

You can also visit the official website of BOB Financial, and fill out the respective credit card application form. 

The Bank of Baroda Credit Card online process is simple and convenient. You need to fill out some some basic personal details, professional details, followed by KYC process. Once this is done, you shall receive your physical card in a few working days.

Bank of Baroda Credit Card - Apply Offline 

You can also visit any of the nearest branches of BOB Financial, and talk to an executive regarding the process. They shall help you complete the credit card application process. 

Eligibility criteria for getting a Bank of Baroda Credit Card

Although your credit card eligibility is based on multiple parameters which can be assessed once you apply for the Bank of Baroda Credit Card, there are certain basic criteria that all applicants must fulfil.

  • Age : 18 years to 65 years
  • Income : Some Bank of Baroda Credit Cards specify the minimum income requirements, while some do not
  • Credit score : A credit score of 750 or more is generally preferable

Documents required to apply for a Bank of Baroda Credit Card

Some of the basic documents required when applying for a credit card are-

– PAN card
– Address proof (any one) : 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 : Latest income tax return (ITR)

In addition to these, you maybe asked to provide additional documents, on a case-to-case basis.

How can I track my Bank of Baroda Credit Card application? 

After you have applied for a Bank of Baroda credit card, you can track your credit card application status by clicking here - Bank of Baroda Credit Card Application Status.

You need to enter some basic personal details like mobile number, PAN number, application number.

BOB Credit Cards customer care number

Please click here, to see all available options to contact your card issuer.

Bank of Baroda Credit Card Fees & Charges

Please find below some important fees and charges of Bank of Baroda Credit Cards

Annual charges or annual fee

Many credit cards charge a fee every year just for having the card. Premium credit cards usually charge a higher annual fee, but tend to offer higher rewards, as well as other perks such as complimentary access to airport lounges, complimentary access to railway lounges in India, complimentary premium memberships to airline and hotel loyalty programs, golf privileges, a variety of complimentary insurance benefits including travel health insurance, and more

While many people do not like paying an annual fee, the benefits can far surpass the costs if you use many of the card’s extra features or accumulate a lot of rewards or cash back. It is important to assess whether the annual fee justifies the benefits before making a decision.

Interest charges

Interest is charged on any unpaid balance beyond the due date of your credit card bill. Interest is also charged on any cash advance amounts. Cash advances occur when you use your credit card to withdraw cash from ATMs.

Late payment fee 

Failure to pay the minimum amount due on your credit card, by the bill due date results in a late payment fee. Frequent late payments may affect your credit rating. Additionally, you will be charged interest on your total outstanding card balance, as explained in the previous section.

Cash withdrawals

You can use your Bank of Baroda Credit Card to withdraw cash from ATMs. The amount you can withdraw depends on your card type and the predetermined cash advance limit.

When you withdraw cash using your credit card, the bank will charge interest on the withdrawn amount, immediately from the day you withdraw cash, till the day this amount is repaid in full. Unlike regular card transactions, there is no interest free grace period on cash withdrawals, you start accumulating interest charges immediately on cash withdrawal.

Foreign currency transaction fee

This fee is charged on the value of international card transactions. This is a fee charged by the card issuer to convert any transactions in foreign currency into Indian rupees. This is usually around 3.50% of the card transaction amount, on select cards especially premium cards this fee can be reduced which allows more savings when you spend while traveling abroad.

For important terms and conditions, and more details on fees & charges of all Bank of Baroda Credit Cards, please click here –  Bank of Baroda Credit Card Fees & Charges

Best Credit Cards in India

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Best travel cards || Best shopping cards || Best cashback cards || Best Points & Rewards cards || Best professional cards || Best fixed deposit cards || Best health & fitness cards