SELECT
MyRupaya Ratings
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
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
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
Welcome Benefits and Reward System
Special Features
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
Recommended Credit Cards
Pros:-
Change the text to include your own content. Adjust the font, size or scale to customize the style.
Cons:-
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.
No welcome benefit is provided to the new users.
No lounge access facility is available.
Not a globally accepted card.
HDFC Bank Biz Power Credit Card
The card is a premium credit card with a number of value add features. This card offers cashback on even tax and GST payment. Overall it is a must have card for small business owners/ freelancers.
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
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