Best Bank of Baroda Credit Cards in India 2025 – Compare Rewards, Cashback & Travel Benefits

Bank of Baroda

Bank of Baroda, often called BoB, is one of India’s oldest and most trusted public sector banks. Founded on 20th July 1908 by Maharaja Sayajirao Gaekwad III in Baroda, Gujarat, is one of India’s oldest and most trusted public sector banks. It was started to bring modern banking to common people and has now grown into a global financial institution. In 1953, it became one of the first Indian banks to open an overseas branch in Mombasa, Kenya, and today it operates in 17 countries, including the USA, UK, UAE, and Singapore. In 2019, it merged with Dena Bank and Vijaya Bank, making it India’s third-largest public sector bank with over 8,000 branches and 10,000 ATMs worldwide. The bank offers a comprehensive range of services, including savings accounts, loans, credit cards, insurance, and digital banking. With its tagline “India’s International Bank”, Bank of Baroda reflects its strong global presence while staying deeply rooted in India.

Top 5 Credit Cards Of Bank of Baroda

HPCL BoB ENERGIE Credit Card

Indian Navy Varunah Premium Bobcard

INR 2499

Indian Navy Varunah Premium Bobcard

INR 2499

Indian Navy Varunah Premium Bobcard

INR 2499

Joining Fees / Renewal Membership Fees: INR 499
Interest Rate: 3.49% p.m. (41.88% p.a.)
Welcome Benefits: Users will get 500 reward points on spending Rs 5000 or more in the first 60 days of card issuance. 2000 Bonus reward points on spending INR 5,000 or more in the first 60 days of issuance.
Cashback Rate: The value of 1 reward point = INR 0.25.
Users will get 10 reward points for every ₹150 spent on grocery and departmental stores. Effective cashback rate: 1.67%.
24 reward points for every fuel spent INR 150. Effective cashback rate = 4% + 1% Fuel surcharge = 5%. The HPCL BoB ENERGIE Credit Card is a co-branded fuel card launched by Bank of Baroda in partnership with HPCL (Hindustan Petroleum Corporation Limited). This card is designed especially for people who spend a lot on fuel. Every time you refuel at HPCL pumps, you earn rewards and cashback, which helps you save money on your monthly fuel expenses. Apart from fuel benefits, the card also gives you rewards on everyday spending like groceries, dining, and online shopping, making it useful beyond just petrol pumps. It comes with extra perks such as surcharge waivers on fuel, easy reward redemption, and access to digital banking features from Bank of Baroda. In simple words, this card is a smart choice for anyone who drives regularly and wants to reduce fuel costs while also enjoying the benefits of a regular credit card.

Indian Navy Varunah Premium Bobcard

1 reward point =0.25 paise.
5X, i.e., 15 reward points on travel, online, dining, and international spending. ( Effective cashback rate: 3.75%). (Maximum 2500 reward points per month).
3 reward points for every INR 100 spent on any other category. Reward points can be redeemed as cashback for INR 0.25 per reward point. General cashback rate 0.75%.

Eterna Bobacrd

1 reward point is equal to .25 paise.
Users will receive 3 reward points for every INR 100 spent. General cashback rate: .75%.
5X reward points on dining, travel and international spending. Cashback rate: 3.75%.
5X rewards are capped at 5,000 reward points on the mentioned categories per statement cycle.

ICSI Diamond Bobcard

1 reward point = INR 0.25.
5X i.e., 5 reward points on dining, online, and utility bills.
Dining+ Cashback Rate: 1.25%. (Maximum 1000 reward points per month).
1 reward point for every INR 100 spent on any other category.
General Cashback Rate: 0.25%.

Assam Rifles The Sentinel Bobcard

1 reward point =0.25 paise. 5X reward points on departmental stores and movies. ( Effective cashback rate: 2.5%). (Maximum 1000 reward points per month).
2 reward points for every ₹100 spent on any other category. Reward points can be redeemed as cashback for INR 0.25 per reward point. (General cashback rate 0.50%.

ICAI Exclusive Bobcard

1 reward point =INR 0.25
5X, i.e., 5 reward points on dining, online, and utility bills.
Dining+ Cashback rate: 1.25%. (Maximum 1000 reward points per month).
1 reward point for every INR 100 spent on any other category.
General cashback rate 0.25%.

Indian Army Yoddha Bobcard

1 reward point =0.25 paise.
5X reward points on departmental stores and movies. ( Effective cashback rate: 2.5%). (Maximum 1000 reward points per month).
2 reward points for every ₹100 spent on any other category. Reward points can be redeemed as cashback for ₹0.25 per reward point. (General cashback rate 0.50%)

Swavlamban Bobcard

User will earn 4 reward points for every INR 100 spent (maximum 800 Reward Points per statement cycle).
1 rewrd point = 0.25 paisa.
General Cashback Rate = 1%.

Unnati Bobcard

Indian Coast Guard Rakshamah Bank of Baroda

1 reward point =0.25 paise.
5X, i.e., 10 reward points on departmental stores and movies. ( Effective cashback rate: 2.5%). (Maximum 1000 reward points per month).
2 reward points for every ₹100 spent on any other category. Reward points can be redeemed as cashback for ₹0.25 per reward point. (General cashback rate 0.50%)

CMA One Bobcard

1 reward point =0.25 paise.
5X i.e., 5 reward points on dining, online, and utility bills. (Effective cashback rate: 1.25%). (Maximum 1000 reward points per month).
1 reward point for every INR 100 spent on any other category. Reward points can be redeemed as cashback for INR 0.25 per reward point. (General cashback rate 0.25%).

Prime Bobcard

Users will earn 1 reward point for every 100 spent on selected categories, an effective cashback rate of 0.25%.
2 reward points for every 100 spent on all other categories.The effective cashback rate = 0.50%.

Bobcard Select

1RP = INR 0.2
Users will earn 5 reward points for every Rs 100 spent on dining and online spending.
Dining + Online Cashback Rate: 1%.
1 reward point for every Rs. 100 spent on other categories.
General Cashback Rate: 0.20%

Bank of Baroda EASY Credit Card

1RP = INR 0.2
Users will get 1 reward point for every Rs. 100 spent on other categories.
General cashback rate: 0.2%
Cardholders will get 5X, i.e., 5 reward points for every Rs. 100 spent on departmental stores, movie spends.
Special cashback rate = 1%

Bank of Baroda Premier Credit Card

The value of 1 reward point = INR 0.25.
Users will earn 5X rewards i.e. 10 reward points for every Rs. 100 spent on Travel, Dining and Abroad (International spending). Effective cashback rate = 2.5%.
2 reward points for every Rs. 100 spent on other categories. Effective cashback rate = 0.50%.

Bank of Baroda ETERNA Credit card

Snapdeal Bobcard

1 RP INR 0.25.
5% Unlimited cashback (20 reward points per INR 100) for purchases on the Snapdeal website & app only.
10 reward points for every INR 100 spent on online shopping, grocery & departmental stores (Cashback rate: 2.5%),
4 reward points for every INR 100 spent on other categories (Cashback rate: 1%).

BOB Assure Credit Card

You earn 1 reward point for every Rs. 100 spent across all categories.
Redeem 500 points for INR 25. This translates to a value of 5 paise per point.
Effective Cashback Rate: 0.5% cashback on all spends.
5% cashback on fuel transactions.

IRCTC Bobcard

1 BoB Reward Point = INR 0.25.
Users will get 2 reward points per INR 100 in other categories. Effective cashback rate: 0.50%.
4 reward points on purchase made on the departmental store, effective cashback rate = 1%. 40 reward points for every INR 100 spent on any other category, including train ticket purchases on the IRCTC Website and Mobile App. Cashback rate: 10%.
Earn 4 Reward Points for every ₹100 spent on Grocery & Departmental stores, and 2 Reward Points per INR 100 on other categories.

HPCL BoB ENERGIE

The value of 1 reward point = INR 0.25.
Users will get 10 reward points for every INR 150 spent on grocery and departmental stores. Effective cashback rate: 1.67%.
24 reward points for every dollar spent on fuel. Rs 150 spent. Effective cashback rate = 4% + 1% Fuel surcharge = 5%.

Snapdeal BoB Card

Joining Fees / Renewal Membership Fees: INR 249
Interest Rate: 3.25% per month.
Welcome Benefits: Users will get 500 reward points on spending Rs 5000 or more in the first 60 days of card issuance and Snapdeal vouchers worth up to Rs 500 on card usage within 30 days of issuance.
Cashback Rate: 1 RP INR 0.25. 5% Unlimited cashback (20 reward points per INR 100) for purchases on the Snapdeal website & app only.10 reward points for every INR 100 spent on online shopping, grocery & departmental stores (Cashback rate: 2.5%), 4 reward points for every INR 100 spent on other categories (Cashback rate: 1%).

The Snapdeal BoB Card is a co-branded shopping credit card launched by Bank of Baroda in partnership with Snapdeal, one of India’s leading e-commerce platforms. This card is specially designed for people who shop online often, especially on Snapdeal. Every time you purchase on Snapdeal using this card, you earn extra reward points, which can be redeemed later to save more on future shopping. Apart from Snapdeal, the card also gives you benefits on other categories like dining, travel, and daily spending. You also get welcome rewards, fuel surcharge waivers, and the security of a Bank of Baroda credit card. Since it is a digital-friendly card, you can easily track and manage your spending through BoB’s online platforms. In simple words, the Snapdeal BoB Card is a good choice for frequent online shoppers who want to save money, earn rewards, and enjoy banking convenience at the same time.

with cashback, travel, dining, and shopping benefits, making it a valuable asset for Airtel users and savvy spenders alike.

Eterna BoB Credit Card

Joining Fees / Renewal Membership Fees: Rs. 2499.
Interest Rate: 3.25% per month, 39% per annum.
Welcome Benefits: Welcome benefit: Users will get a complimentary 6-month FITPASS Pro membership worth Rs 15000.
Cashback Rate: 1 reward point is equal to .25 paise. Users will receive 3 reward points for every INR 100 spent. General cashback rate: .75%. 5X reward points on dining, travel, and international spending. Cashback rate: 3.75%. 5X rewards are capped at 5,000 reward points on the mentioned categories per statement cycle.

The Eterna BoB Credit Card is a premium card from Bank of Baroda made for people who want extra rewards and lifestyle benefits. It is different from a normal credit card because it gives you more value on travel, shopping, dining, and entertainment. Every time you use the card, you collect higher reward points that can be used later for flights, hotels, gift vouchers, or shopping. This card also gives you special perks like airport lounge access, fuel surcharge waiver, and discounts on travel and dining. For people who travel often or enjoy premium services, these features make daily spending more rewarding. At the same time, it comes with the trust and support of Bank of Baroda, which is one of India’s oldest and most reliable banks. In simple words, the Eterna BoB Card is a smart choice if you want a credit card that not only helps you spend but also gives you comfort, savings, and premium benefits.

Bank of Baroda Premier Credit Card

Joining Fees / Renewal Membership Fees: Rs. 1000/-
Interest Rate: 3.25% per month or 39% per annual.
Welcome Benefits: Welcome Benefit: Users will get 500 reward points on spending Rs 5000 or more in the first 60 days of card issuance. If the user spends Rs 10,000 in the first 60 days, then the joining fees get reversed.
Cashback Rate: The value of 1 reward point = INR 0.25.
Users will earn 5X rewards, i.e., 10 reward points for every Rs. 100 spent on Travel, Dining, and Abroad (International spending). Effective cashback rate = 2.5%.
2 reward points for every Rs. 100 spent on other categories. Effective cashback rate = 0.50%.

The Bank of Baroda Premier Credit Card is designed for people who want good rewards and savings on their everyday spending. It gives you extra reward points on popular categories like travel, dining, and online shopping, which means you save more while enjoying the things you do regularly. The card also comes with useful features like a fuel surcharge waiver, EMI options, and easy reward redemption. Since it is backed by Bank of Baroda, you get the trust of one of India’s oldest and most reliable banks, along with the ease of digital banking. This card is a good balance between benefits and affordability, making it suitable for working professionals and families who want value for money without paying high fees. In simple words, the Bank of Baroda Premier Credit Card is a smart everyday card that helps you earn rewards, save on travel and dining, and enjoy the convenience of modern banking.

IRCTC BoB Credit Card

Joining Fees / Renewal Membership Fees: INR 500
Interest Rate: 3.49% per month
Welcome Benefits: Welcome Benefit: Users will get 500 reward points on spending Rs 5000 or more in the first 60 days of card issuance.
Cashback Rate: 1 BoB Reward Point = INR 0.25.
Users will get 2 reward points per INR 100 in other categories. Effective cashback rate: 0.50%.
4 reward points on a purchase made in the departmental store, effective cashback rate = 1%.
40 reward points for every INR 100 spent on any other category, including train ticket purchases on the IRCTC Website and Mobile App. Cashback rate: 10%.
Earn 4 Reward Points for every INR 100 spent on Grocery & Departmental stores, and 2 Reward Points per INR 100 on other categories.

The IRCTC BoB Credit Card is a co-branded card launched by Bank of Baroda in partnership with the Indian Railway Catering and Tourism Corporation (IRCTC). It is specially designed for people who travel often by train and want to save more on their bookings. Every time you use this card to book tickets through the IRCTC website or app, you earn extra reward points and discounts, which directly reduce your travel costs. Apart from train bookings, the card also gives you benefits on dining, groceries, and other daily spending, making it useful beyond travel. You also get perks like a fuel surcharge waiver and easy online account access through Bank of Baroda’s digital services. In simple words, the IRCTC BoB Credit Card is a smart option for frequent train travelers who want to save on tickets while also enjoying the rewards and convenience of a regular credit card.

Welcome Benefits

Users will get 500 reward points on spending Rs 5000 or more in the first 60 days of card issuance. 2000 Bonus reward points on spending INR 5,000 or more in the first 60 days of issuance.
Welcome Benefit: Users will get 500 reward points on spending Rs 5000 or more in the first 60 days of card issuance.
Users will get 500 reward points on spending Rs 5000 or more in the first 60 days of card issuance, and Snapdeal vouchers worth up to Rs 500 on card usage within 30 days of issuance.
Welcome benefit: Users will get a complimentary 6-month FITPASS Pro membership worth Rs 15000.
Welcome Benefit: Users will get 500 reward points on spending Rs 5000 or more in the first 60 days of card issuance.
Welcome Benefit: Users will get 500 reward points on spending Rs 5000 or more in the first 60 days of card issuance.
Welcome Benefit: Users will get 500 reward points on spending Rs 5000 or more in the first 60 days of card issuance.
Welcome benefit: Users will get a complimentary 6-month FITPASS Pro membership worth Rs 15000. Users will get 500 reward points on spending INR 5,000 within 60 days of card issuance.
Welcome benefit: Users will get a complimentary 6-month FITPASS Pro membership worth Rs 15000. Users will get 500 reward points on spending INR 5,000 within 60 days of card issuance. 12 months of Amazon Prime membership on spending a minimum of Rs 1 lakh within 90 days of issuance of the card.
Welcome benefit: Users will get a complimentary 6-month FITPASS Pro membership worth Rs 15000
Welcome benefit: Users will get a complimentary 6-month FITPASS Pro membership worth Rs 15000. Users will get 500 reward points on spending INR 5,000 within 60 days of card issuance.
Welcome benefit: Users will get a complimentary 6-month FITPASS Pro membership worth Rs 15000. Users will get 500 reward points on spending INR 5,000 within 60 days of card issuance. 12 months of Amazon Prime membership on spending a minimum of Rs 1 lakh within 90 days of issuance of the card.
Welcome benefit: Users will get a complimentary 6-month FITPASS Pro membership worth Rs 15000. Users will get 500 reward points on spending INR 5,000 within 60 days of card issuance.
Welcome benefit: Users will get a complimentary 6-month FITPASS Pro membership worth Rs 15000. Users will get 500 reward points on spending INR 5,000 within 60 days of card issuance. 12 months of Amazon Prime membership on spending a minimum of Rs 1 lakh within 90 days of issuance of the card.
Welcome benefit: If the user spends INR 2,500 within 60 days joining fee is reversed.
Welcome benefit: Users will get a complimentary 6-month FITPASS Pro membership worth Rs 15000. Users will get 500 reward points on spending INR 5,000 within 60 days of card issuance. 12 months of Amazon Prime membership on spending a minimum of Rs 1 lakh within 90 days of issuance of the card.

Annual Fee

Credit Cards	Annual Fee
Indian Navy Varunah Premium Bobcard	INR 2499
Eterna Bobacrd	Rs. 2499.
ICSI Diamond Bobcard	NIL
Assam Rifles The Sentinel Bobcard	NIL
ICAI Exclusive Bobcard	NIL
Indian Army Yoddha Bobcard	NIL
Swavlamban Bobcard	NIL
Unnati Bobcard
Indian Coast Guard Rakshamah Bank of Baroda	NIL
CMA One Bobcard	NIL
Prime Bobcard	NIL
Bobcard Select	INR 750, waived if the card is used at least once in each quarter in the preceding year.
Bank of Baroda EASY Credit Card	NIL
Bank of Baroda Premier Credit Card	INR 1000 (Spend Rs. 1,20,000 on your card in a year for a fee waiver)* Joining/Annual fee waiver applies only to non-delinquent credit cardholders
Bank of Baroda ETERNA Credit card
Snapdeal Bobcard	INR 249
BOB Assure Credit Card	NIL
IRCTC Bobcard	INR 350
HPCL BoB ENERGIE	Annual Fee: INR 499. The annual fee will be waived if you spend Rs. 50,000 in the preceding year.

Rewards System

Credit Cards	Cashback Rate
Indian Navy Varunah Premium Bobcard	1 reward point =0.25 paise. 5X, i.e., 15 reward points on travel, online, dining, and international spending. ( Effective cashback rate: 3.75%). (Maximum 2500 reward points per month). 3 reward points for every INR 100 spent on any other category. Reward points can be redeemed as cashback for INR 0.25 per reward point. General cashback rate 0.75%.
Eterna Bobacrd	1 reward point is equal to .25 paise. Users will receive 3 reward points for every INR 100 spent. General cashback rate: .75%. 5X reward points on dining, travel and international spending. Cashback rate: 3.75%. 5X rewards are capped at 5,000 reward points on the mentioned categories per statement cycle.
ICSI Diamond Bobcard	1 reward point = INR 0.25. 5X i.e., 5 reward points on dining, online, and utility bills. Dining+ Cashback Rate: 1.25%. (Maximum 1000 reward points per month). 1 reward point for every INR 100 spent on any other category. General Cashback Rate: 0.25%.
Assam Rifles The Sentinel Bobcard	1 reward point =0.25 paise. 5X reward points on departmental stores and movies. ( Effective cashback rate: 2.5%). (Maximum 1000 reward points per month). 2 reward points for every ₹100 spent on any other category. Reward points can be redeemed as cashback for INR 0.25 per reward point. (General cashback rate 0.50%.
ICAI Exclusive Bobcard	1 reward point =INR 0.25 5X, i.e., 5 reward points on dining, online, and utility bills. Dining+ Cashback rate: 1.25%. (Maximum 1000 reward points per month). 1 reward point for every INR 100 spent on any other category. General cashback rate 0.25%.
Indian Army Yoddha Bobcard	1 reward point =0.25 paise. 5X reward points on departmental stores and movies. ( Effective cashback rate: 2.5%). (Maximum 1000 reward points per month). 2 reward points for every ₹100 spent on any other category. Reward points can be redeemed as cashback for ₹0.25 per reward point. (General cashback rate 0.50%)
Swavlamban Bobcard	User will earn 4 reward points for every INR 100 spent (maximum 800 Reward Points per statement cycle). 1 rewrd point = 0.25 paisa. General Cashback Rate = 1%.
Unnati Bobcard
Indian Coast Guard Rakshamah Bank of Baroda	1 reward point =0.25 paise. 5X, i.e., 10 reward points on departmental stores and movies. ( Effective cashback rate: 2.5%). (Maximum 1000 reward points per month). 2 reward points for every ₹100 spent on any other category. Reward points can be redeemed as cashback for ₹0.25 per reward point. (General cashback rate 0.50%)
CMA One Bobcard	1 reward point =0.25 paise. 5X i.e., 5 reward points on dining, online, and utility bills. (Effective cashback rate: 1.25%). (Maximum 1000 reward points per month). 1 reward point for every INR 100 spent on any other category. Reward points can be redeemed as cashback for INR 0.25 per reward point. (General cashback rate 0.25%).
Prime Bobcard	Users will earn 1 reward point for every 100 spent on selected categories, an effective cashback rate of 0.25%. 2 reward points for every 100 spent on all other categories.The effective cashback rate = 0.50%.
Bobcard Select	1RP = INR 0.2 Users will earn 5 reward points for every Rs 100 spent on dining and online spending. Dining + Online Cashback Rate: 1%. 1 reward point for every Rs. 100 spent on other categories. General Cashback Rate: 0.20%
Bank of Baroda EASY Credit Card	1RP = INR 0.2 Users will get 1 reward point for every Rs. 100 spent on other categories. General cashback rate: 0.2% Cardholders will get 5X, i.e., 5 reward points for every Rs. 100 spent on departmental stores, movie spends. Special cashback rate = 1%
Bank of Baroda Premier Credit Card	The value of 1 reward point = INR 0.25. Users will earn 5X rewards i.e. 10 reward points for every Rs. 100 spent on Travel, Dining and Abroad (International spending). Effective cashback rate = 2.5%. 2 reward points for every Rs. 100 spent on other categories. Effective cashback rate = 0.50%.
Bank of Baroda ETERNA Credit card
Snapdeal Bobcard	1 RP INR 0.25. 5% Unlimited cashback (20 reward points per INR 100) for purchases on the Snapdeal website & app only. 10 reward points for every INR 100 spent on online shopping, grocery & departmental stores (Cashback rate: 2.5%), 4 reward points for every INR 100 spent on other categories (Cashback rate: 1%).
BOB Assure Credit Card	You earn 1 reward point for every Rs. 100 spent across all categories. Redeem 500 points for INR 25. This translates to a value of 5 paise per point. Effective Cashback Rate: 0.5% cashback on all spends. 5% cashback on fuel transactions.
IRCTC Bobcard	1 BoB Reward Point = INR 0.25. Users will get 2 reward points per INR 100 in other categories. Effective cashback rate: 0.50%. 4 reward points on purchase made on the departmental store, effective cashback rate = 1%. 40 reward points for every INR 100 spent on any other category, including train ticket purchases on the IRCTC Website and Mobile App. Cashback rate: 10%. Earn 4 Reward Points for every ₹100 spent on Grocery & Departmental stores, and 2 Reward Points per INR 100 on other categories.
HPCL BoB ENERGIE	The value of 1 reward point = INR 0.25. Users will get 10 reward points for every INR 150 spent on grocery and departmental stores. Effective cashback rate: 1.67%. 24 reward points for every dollar spent on fuel. Rs 150 spent. Effective cashback rate = 4% + 1% Fuel surcharge = 5%.

How to Activate Bank Of Baroda Credit Card?

1. Online via Net Banking (BOB World)

Visit the Bank of Baroda website and log in to your BOB World internet banking account.
Navigate to ‘Service Request’ and select ‘ATM PIN Reset’.
Choose your credit card, submit the request, and verify via OTP sent to your registered mobile number.
Enter and confirm your new 4-digit PIN.
Your PIN is now active and ready for use.
Enter your card details (card number, expiry), validate with OTP, and set up your login credentials.

2. Via IVR (Phone Banking)

Call the BoB toll-free IVR number 1800 5700 from your registered mobile.
Select ‘Reissue Card PIN’ under the menu options.
Provide your card’s last four digits and expiry details.
Use the OTP received on your registered mobile and follow prompts to set your 4-digit PIN.

3. Via ATM (First Card Usage)

Insert your BoB credit card at a Bank of Baroda ATM and perform your first transaction. This can automatically activate the card and PIN functionality.

4. Other Digital Channels

BOBCARD Customer Portal

BOBCARD Mobile App
WhatsApp Support: Send “Hi” to +91-7208476628
SMS Banking: Use short codes like BAL XXXX, BLOCK XXXX, etc.

Other Fee And Charges

Interest Rate: 3.49% p.m. (41.88% p.a.)
Cashback Rate: 2.5% of the amount or Rs. 500, whichever is higher.
Foreign Currency Markup: 3.5% on all foreign transactions.
Late Payment Charges: Charges Less than INR 200: NIL INR 200- 500: INR 100 INR 501- 1000: INR 400 INR 1001- 10000: INR 500 More than 10000: INR 750

Bank Of Baroda Bank's Journey

Bank of Baroda started its journey more than a hundred years ago, in 1908, from a small town called Baroda in Gujarat. It began as a local bank, but with a big dream to give people a safe place to keep their money and to support them in building their future. Over time, it grew slowly but steadily, earning the trust of common people, farmers, and businesses. As India moved towards independence and then into modern times, the Bank of Baroda expanded its services. It opened more branches not only in India but also in other countries, becoming one of the few Indian banks with a strong international presence. Today, it serves millions of customers across the world, making it truly a “global bank with Indian roots.” The bank has always focused on making banking simpler for ordinary people. From providing small loans to farmers and shopkeepers in the early days, it has now moved into digital banking, mobile apps, and international services to keep up with the modern world. Even after so many years, the heart of Bank of Baroda’s journey remains the same to be a reliable partner for people in their financial journey. From helping families save for their children’s education to supporting businesses in growing bigger, the bank has been a part of India’s progress for over a century

Rewards System

FAQs

Q: Which Bank of Baroda Credit Card is right for me?
A: Bank of Baroda offers a wide range of credit cards designed for different lifestyles. Whether you spend more on shopping, dining, fuel, or travel, there’s a card to match your needs. You can also use the bank’s website to compare cards and see which one best suits your spending habits.

Q: What are the fees associated with Bank of Baroda Credit Cards?
A: The annual fees for Bank of Baroda credit cards vary depending on the card. Some cards are free for life, while premium cards may incur fees ranging from INR 500 to INR 2,500 or more. Other charges, like late payment fees or foreign transaction fees, may also apply. Always check the fee details before applying.

Q: How do I apply for a Bank of Baroda Credit Card?
A: You can apply online through the Bank of Baroda website or mobile app. You can also visit the nearest Bank of Baroda branch and apply in person.

Q: What documents do I need to apply for a Bank of Baroda Credit Card?
A: Usually, you’ll need to submit:

Proof of identity (Aadhaar, Passport, Voter ID, etc.)
Proof of income (Salary slips, ITR, or Form 16)
Proof of address (Utility bill, Aadhaar, Passport, etc.)
Additional documents may be required based on your profile.

Q: How long does it take to get approved for a Bank of Baroda Credit Card?
A: The approval process generally takes a few days to 2 weeks, depending on document verification and eligibility checks. The bank will notify you of the status.

Q: How do I activate my new Bank of Baroda Credit Card?
A: Once you receive your card, you can activate it by generating a PIN. This can be done at any Bank of Baroda ATM, through internet banking, or by calling customer care. Instructions will be provided along with your card.

Q: How do I make a payment on my Bank of Baroda Credit Card?
A: You can pay your Bank of Baroda credit card bill in multiple ways:

Internet banking or a mobile banking app
NEFT/IMPS from any bank account
Auto-debit from your Bank of Baroda account
Cash or cheque payment at a branch or ATM

Q: What happens if I miss a payment on my Bank of Baroda Credit Card?
A: Missing a payment will attract late payment fees and interest charges. It may also affect your credit score. To avoid penalties, try to pay at least the minimum due on or before the due date.

Q: How do I report a lost or stolen Bank of Baroda Credit Card?
A: If your card is lost or stolen, immediately call Bank of Baroda customer care (24x7 helpline) or block the card through internet banking/mobile app. A replacement card will be issued once you report the loss.

Bank of Baroda

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