Best Bank Of Baroda Credit Cards And Their Features & Benefits

BOB Financial, an anonymous fiscal services company primarily concentrated on credit card assiduity, is possessed by the Bank of Baroda. The bank was innovated in 1994 and snappily rose to elevation as one of the nation’s major card issuers. It provides a variety of exclusive credit cards in several areas, such as shopping, trips, dining,  life, and numerous further. It’s overseen by a significant bank in India. also, the card issuer has expanded its portfolio to include both decoration and introductory credit cards to feed the demands of colorful consumer orders and ensure that everyone has access to a card that suits them.

As of November 2022, BoB Financial had around 16,38,457 active credit card clients nationwide, according to RBI data. The card issuer’s only goal is to give its clients the greatest possible service. All Bank of Baroda (BoB) credit cards offer fantastic benefits, so those who choose wisely based on their need will undoubtedly reap the rewards. This article contains comprehensive details on every credit card that BoB Financial offers, as well as all other card-related services that the business offers.

Guests of the Bank of Baroda can choose from a range of fiscal products,  similar to loans, deposits, credit cards, and disbenefit cards. The bank offers a range of credit cards that are extensively accepted at ATMs and retailers around the world, and come with enticing features and prices.

One of India’s top banks, the Bank of Baroda was innovated in 1908. It’s one of the biggest public sector banks in the nation and offers global banking results to guests. With its main office located in Vadodara, Gujarat, the company has more than 5000 branches.

Top Bank Of Baroda Credit Cards-

BOB Financial, a well-known credit card issuer in India, provides a wide range of credit cards in several orders, including prices, trips, and numerous further. It may be difficult for those who wish to have a BoB credit card to compare all the features and advantages of different credit cards. To help guests with that, we’ve collected a detailed list of the top BOB credit cards, complete with features and benefits

1. IRCTC Bank of Baroda RuPay Credit Card
2. Bank of Baroda Premier Credit Card
3. Bank of Baroda Select Credit Card
4. Bank of Baroda Eterna Credit Card
5. Bank of Baroda Easy Credit Card

Image Source: BoB

IRCTC BOB RuPay Credit Card-

The Bank of Baroda and the Indian Railways Catering and Tourism Corporation (IRCTC) have partnered to introduce the IRCTC BoB RuPay Credit Card, a co-branded credit card. When designing the card, the needs of persons who frequently travel via Indian Railways were taken into consideration. For any BoB customer who travels by rail, this collaboration will prove advantageous. This card, which has a 500 rupee registration fee, provides users with a myriad of rewards and privileges. This card offers numerous benefits on groceries, petrol, and other expenses in addition to travel rewards. Transactions made with the IRCTC CoB RuPay Credit Card can easily be converted into EMI. Continue reading to find out more about BoB’s offering.

What IRCTC BOB RuPay CREDIT CARD has to offer-

• The IRCTC BoB RuPay Credit Card is specifically intended for individuals who travel by rail frequently. Using this card will allow you to take advantage of discounts, incentives, and privileges when taking rail travel. When you purchase a train ticket through IRCTC and go grocery shopping, you can earn amazing reward points. In addition, tickets for trains can be purchased using the points.
• When you use the IRCTC website or mobile application to book train tickets, you can earn up to 40 Reward Points for every Rs. 100 spent.
• For every Rs. 100 spent at supermarkets and department stores, you will receive 4 reward points.
• Earn two reward points for every rupee spent in all other categories.
• First, by purchasing train tickets via the IRCTC website or mobile application, you can use your reward points.
• You can also use these points to offset the balance on your credit card statement, with 1 RP equal to Rs. 0.25, as a second method of redemption.
• Up to one complimentary lounge visit each quarter, you are eligible for four complimentary domestic railway lounge visits per year.
• If you notify the loss of your IRCTC BoB RuPay credit card to the bank as soon as possible, you won’t be held responsible for any fraudulent transactions made using it.
• At gasoline pumps across India, receive a 1% fuel fee waiver on all fuel transactions between Rs. 500 and Rs. 3,000 (waiver capped at Rs. 100 per statement).
• You are eligible to receive a 1% transaction surcharge waiver on all transactions when you book a train ticket on the IRCTC website or mobile application using your IRCTC BoB RuPay credit card.
  • The IRCTC BoB RuPay Credit Card requires a 500 rupee enrollment fee.
  • There is an annual charge of Rs. 350 for this card.
  • 5% is the foreign markup cost associated with the IRCTC BoB RuPay Credit Card.
  • The card has a 3.49% monthly finance fee (41.88% yearly).
  • The cash advance cost on the card is 2.5% of the transaction amount, or Rs. 500.
• Compared to using the roads, traveling via trains is more convenient, and receiving such thrilling perks when doing so is like the frosting on the cake. Incredibly, using this card to book tickets through IRCTC will earn you 40 Reward Points and save you 1% on transaction fees. It’s also possible to convert your BoB Reward points into IRCTC travel points by connecting your IRCTC ID and credit card loyalty number, which is fantastic. Three co-branded credit cards with ITCTC were previously exclusively available through the SBI Card; the IRCTC SBI Platinum Card is substantially similar to this one.

To apply for IRCTC BOB RuPay CREDIT CARD, click here.

Image Source: BoB Financial

BOB Premier Credit Card-

BOB Financial, which strives to offer a variety of features at reasonable prices, issues the Bank of Baroda Premier Credit Card. There are no yearly or joining fees. With this card, you can earn up to 10 reward points for every Rs. 100 spent. These points can be redeemed for a variety of benefits, including cash credit. Every calendar quarter, you will also receive complimentary admission to a few Indian airport lounges.

The card previously had an annual fee of Rs. 1,000, which the issuer did not waive to give its users excellent perks at no cost. Personal accident insurance, fuel surcharge waiver, and other perks are included with the card.

What BOB PREMIER CREDIT CARD has to offer-

One of the most well-liked cards available on the RuPay network is the Bank of Baroda Premier Credit Card, which is a straightforward card with a respectable reward rate. Below are this card’s specific traits and advantages in detail:

• By using a Bank of Baroda Premier credit card, you can receive one complimentary visit to a domestic lounge at a selected airport per quarter.
• At all petrol stations in India, the cards will receive a waiver of the 1% fuel levy on fuel transactions. The exemption is valid for transactions with a value between Rs. 400 and Rs. 5,000.
• The monthly maximum for the fuel surcharge waiver is Rs. 250.
• With this credit card, you receive access to concierge services around the clock.
• You receive insurance advantages that include zero liability coverage if your card is lost or stolen, as well as personal accident death coverage.
• With this credit card, you can admit up to three free add-on cards. price points can be applied to several areas, such as gift cards, wares, trip and hotel reservations, and shopping.
• 25 Reward Points = Re.
• For every Rs 100 spent on meals, travel, and overseas purchases, you receive 10 reward points.
• For each rupee you spend in any category, you will receive two reward points.
• For every other category, your reward rate is set at 0.5%.
• The monthly maximum for the 5x reward points on eating, travel, and overseas purchases is 2,000 reward points.
• For every fuel transaction, there is no reward point accumulation.
• The card includes an annual membership cost of Rs. 1000 plus taxes, although these can be eliminated upon meeting the expenditure threshold.
• The interest rate on the card is 3.25% monthly or 39% annually.
• 5% of the transaction value is the FX markup cost charged by the card.
• There’s a 2.5 cash pullout figure on the card, or 300 rupees, whichever is lesser.
• There are no fresh credit card freights associated with this card.

BOB Financial offers a fantastic travel card called the BOB Premier card, which has several travel-related features and bonuses. One of this credit card’s main advantages is the 5x reward points on vacation meals and overseas expenditures. One of the very few credit cards available that offers free lounge admission without an annual fee is this one. with travel privileges and a respectable reward rate. It’s now a fantastic option for people who travel domestically regularly. How does this credit card appeal to you? Please inform us in the comments.

To apply for the BOB PREMIER CREDIT CARD, click here.

Image Source: BoB Financial

BOB Select Credit Card-

The goal of the Bank of Baroda Select Credit Card is to present attractive reward options to its customers. The card comes with a one-time membership fee of only Rs. 750, which can be waived within 60 days of the cardholder spending a minimum of Rs. 7,500. With every rupee, you will get one reward point of 100 you spend with this card, and 5 reward points for every Rs. 100 you spend on eating, internet purchases, or utility bill payments. Moreover, if you spend Rs. 70,000 or more in an anniversary year, you can also avoid paying the minimal renewal charge of Rs. 750.

What BOB SELECT CREDIT CARD has to offer-

• Your Bank of Baroda Select Credit Card provides accidental death insurance.
• 1% of the fuel surcharge is waived for each transaction between Rs. 400 and Rs. 5,000 at all petrol pumps.
• The Bank of Baroda Select Credit Card has a monthly maximum waiver of Rs. 250.
• For every Rs. 100 spent, earn 1 reward point.
• Every Rs. 100 spent on restaurants, internet purchases, or utility bills earns you five times as many reward points.
• The maximum benefit of the 5x Reward Points is 1000 Reward Points each month.
• Reward Points are not awarded for fuel transactions.
• Reward Points can be redeemed for cash or a variety of other options, depending on your preferences.
• Reward Points are worth Rs. 0.25.
• The card includes an annual charge of Rs. 750 plus taxes, which is waived upon meeting the spending threshold. There is also a signup fee.
• The monthly interest rate on the card is 3.25%.
• 5% of the transaction value is the FX markup cost charged by the card.
• There’s a 2.5 cash pullout figure on the card, or 300 rupees, whichever is lesser.
• There are no fresh credit card freights associated with this card.

With the Bank of Baroda Select Credit Card’s unique Reward incentives, you may save money on all of your transactions. You receive extra points for dining out, paying your utility bills, and making online purchases in addition to your normal incentives. In addition, it is lifelong free, making it accessible to anyone. Therefore, you may choose the Bank of Baroda Select Credit Card without a doubt if you are among those who are about to start their credit journey or who are seeking a card to help them save on all of their buys.

To apply for the BOB SELECT CREDIT CARD, click here.

Also Read: BEST STUDENT CREDIT CARDS IN INDIA

Image Source: BoB Financial

BOB Eterna Credit Card-

The Eterna card was one of four new credit cards that BOB Financial, a completely owned subsidiary of Bank of Baroda, launched to their extensive lineup of credit cards last year. As a welcome gift, it includes 10,000 additional reward points and a free FitPass Pro membership. The bank’s most expensive card, the Eterna, offers a plethora of advantages, such as free domestic lounge access for life, free golf lessons, and sessions, up to Rs. 1 lakh in accidental air travel insurance, and many more premium features.

• As a welcome gift, you receive a 6-month FitPass Pro membership, which includes access to 2,500 upscale gyms and fitness centers.
• 10,000 reward points after 60 days of spending Rs. 50,000.
• You receive 20,000 more reward points after spending Rs. 5 lakh a year.
• Upon spending Rs. 25,000 within the first sixty days of the card’s issuance, the joining cost is waived.
• If you spent Rs. 2.5 lakh the year before, you won’t have to pay the yearly fee the next year.
• accelerated reward points (15/100 Rs.) on purchases connected to travel.
• A personal aviation accident policy of one crore rupees in case of fatalities.
• 2% less in foreign exchange markup.
• The MasterCard domestic lounge program offers unlimited free lounge access at domestic airports.
• Mastercard’s amazing special offers over 250 gourmet treats.
• quicker reward points (15 points for 100 rupees) for eating and movie purchases.
• Buy One Get One offers a maximum benefit of Rs. 250 per month on movie tickets purchased through Paytm.
• One crore rupee personal air accident insurance (applied only in case of death).
• Ten lakh rupees worth of accidental death cover (due to various causes).
• Four free rounds of golf every year (maximum of one per month).
• Twelve free golf lessons a year (maximum of one per month).
• After the free sessions, 50% of the green charge is waived.
• Spending on movies, restaurants, travel, and online shopping earns you 15 reward points (5X rate) or 100 rupees. At this faster rate, you can earn up to 5,000 reward points every month.
• For every other spending category, there are three reward points or 100 rupees.
• as cashback applied to the balance on the card’s statement.
• For a range of redemption choices on the BOB reward redemption platform, such as shopping, cellphone recharging, and tickets for hotels, flights, or films.
• A reward point is worth Rs. 0.25.

With expedited reward points on all online purchases, the Eterna card delivers an extremely competitive reward rate, making it even more profitable. The only drawback is that there is a monthly cap of 5,000 reward points for using an expedited rate. Since it’s a premium credit card, you get extra benefits in addition to the regular reward points, such as free golf lessons or rounds and free lounge access at Indian airports. If you compare the Rs. 2,499 annual charge to other premium credit cards available in the market, it is marginally less expensive.

To apply for the BOB ETERNA CREDIT CARD, click here.

Image Source: BoB Financial

Bank of Baroda Easy Credit Card-

We are here to assist everyone who wants to have a credit card without having to pay expensive joining or renewal costs. One such card, the Bank of Baroda Easy Credit Card, is available to you at no cost for both enrollment and renewal. With reward points to be earned, this card is ideal for everyday use. Spending Rs. 100 on department stores, movies, and groceries gets you 5 reward points. You can receive 0.5% cash back with this card when you pay off your balance. Additionally, there is zero liability protection on this card if it is lost. Please study the features and perks listed below to find out more about the card.

• The primary credit cardholder is covered for accidental death with this credit card.
• You get the advantage of having no liability for lost cards with this card. If the card is lost or there are any other fraudulent transactions, the cardholder must alert the bank within 24 hours.
• Any purchase over Rs. 2,500 can be simply converted into convenient 6- or 12-month EMIs.
• Whenever you use this credit card to make purchases in the following specific merchant categories: supermarkets, department stores, and movies, you will receive five times as many Reward Points.
• On some merchant categories, you can earn up to 1000 reward points every month by earning five times. Should the capped limit be exceeded, any additional purchases made during that month will give you 1 reward point.
• You will receive one reward point for every Rs. 100 you spend in other categories.
• Upon paying your credit card bill, you will receive 0.5% cashback.
• Reward points can be accumulated and exchanged for cashback and other great deals.
• One reward point is worth Rs. 0.25 in terms of money.
• With this credit card, there are no joining or renewal fees.
• The credit card gets charged3.25 interest on the quantum that’s once due.
• For transnational deals,3.5 of the sale value must be paid.
• With domestic ATMs, the cash advance cost for this credit card is 2.5%, subject to a minimum of Rs. 300; with international ATMs, it is 3% of the withdrawn amount or Rs. 300.

The Bank of Baroda Easy Credit Card is a respectable credit card, one could say. It’s one of the decoration introductory cards that BOB Financial offers; other cards in the lineup include the BOB Prime and BOB Premier Credit Cards. using every. 100 you spend on department stores,  pictures, and groceries using the Easy Card, you will admit five price points. In addition to the trafficker orders you’re chosen for, you admit 1  price point in other orders. If you spend. 35,000 in a billing cycle, there will be no renewal figure. You admit 0.5 cashback when you pay your credit card bill. You have no responsibility if this card is lost.

To apply for the BOB EASY CREDIT CARD, click here

Documentation Needed

When applying for BOB Credit Cards, some documents such as identity and address verification also need to be uploaded or provided. This table provides a list of every document that is necessary:

Yearly Charge

The annual fees associated with the various credit cards offered by BOB Financial vary, which is undoubtedly one of the most important things that applicants take into account when choosing a credit card that suits them. Better features and perks are offered by cards with higher yearly fees.