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SELECT

Product Details
Credit Card Name : 

SELECT

Bank Name :

Bank of Baroda

Type :

Lifestyle Credit Card

Interest Rate : 

Interest Rate: 3.25% p.m. (39% Annualized Percentage Rates).

Eligibility :

Age: Minimum 21 years and maximum 65 years
Permanent resident of India
Minimum gross annual income of Rs. 3 lakhs for salaried individuals and Rs. 25 lakhs for self-employed individuals
Minimum 6 months of continuous employment for salaried individuals
Good credit history

SELECT
Pros
  • Reward System: 5 Reward Points for every Rs. 100 spent on Dining and Online spending, 1 Reward Point for every Rs. 100 spent on other categories, and 0.5 Reward Points for every Rs. 100 spent on selected categories. 

  • Other Benefits: Spend INR 7,500 within 60 days and INR 70,000 in a year, for reversal/waiver of annual fees. 

Cons
  • No welcome benefit is provided to the new users. 

  • No lounge access facility is available. 

  • Not a globally accepted card.

Pros & Cons
Welcome Benefits
None
Rewards System
  • Earn 5 reward points for every Rs 100 spent on Dining and Online spending, and 1 Reward Point for every Rs. 100 spent on other categories. 

  • 1RP = 0.25 paisa 

  • Effective Cashback Rate = 1.5%

International Forex Markup
3.50% of the transaction amount
Welcome Benefits and Reward System
Special Features
None
Eligibility Criteria

Age: Minimum 21 years and maximum 65 years
Permanent resident of India
Minimum gross annual income of Rs. 3 lakhs for salaried individuals and Rs. 25 lakhs for self-employed individuals
Minimum 6 months of continuous employment for salaried individuals
Good credit history

Benefits


  • 5X rewards on online and more

  • Lifetime free card

  • Free add-on cards

  • Zero liability on lost card

  • Multiple redemption options available

Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
  • Here are the steps on how to apply for Bank of Baroda's SELECT credit card: 

  • Visit the Bank of Baroda website and click on the "Credit Cards" tab. 

  • Click on the "SELECT Credit Card" link. Click on the "Apply Now" button. 

  • You will be redirected to a new page where you will need to fill out the application form. 

  • The application form will ask for your personal information, such as your name, address, contact number, and income. 

  • You will also need to provide your employment information and your credit history. 

  • Once you have filled out the application form, you will need to attach the required documents. 

  • The required documents are: A copy of your PAN card A copy of your Aadhaar card A recent passport-size photograph A copy of your latest bank statement 

  • Once you have submitted the application form and the required documents, your application will be processed. 

  • The bank will contact you if your application is approved.

Contact Details

Call at 1800 225 100

Account Opening and Procedure
SELECT

The Bank of Baroda Select Credit Card allows you to save on all your transactions through its exclusive Reward offers. Apart from regular rewards, you get extra rewards on dining, utility bill payments, or online transactions. Moreover, it is free for a lifetime and hence is affordable for everyone. So, if you are among the people who are going to start their credit journey or who are looking for a card to help them save on all their spends, you can choose the Bank of Baroda Select Credit Card without any doubt. Another similar credit card that must check is the IDFC First Select Credit Card, which is also one of the popular lifetime free credit cards in the Indian market.

Abhijeet Saxena

Abhijeet Saxena

Abhijeet Saxena

Nalsar University of Law

Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi

Ex - Khaitan & Co. Bengaluru,

Ex - National Stock Exchange, Mumbai,

Ex - Argus Partners, Mumbai

Product Review
Fees & Charges
Joining- NIL Annual Fees- Rs. 750. Cash Advance Charges: 2.5% or ₹300/- (Whichever is higher) Late Payment Fees: Outstanding 10000- Rs. 750/- Interest Rate: 3.25% p.m. (39% Annualized Percentage Rates). Foreign Currency Transaction fee: 3.50% of the transaction amount.
Fuel Surcharge

1% fuel surcharge waiver at all fuel stations across India on transactions between Rs.400 and Rs.5,000 (Max. Rs. 250 per statement cycle).

Billing Cycle

30 days

Fees & Charges
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