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Product Details
Credit Card Name : 


Bank Name :

Bank of Baroda

Type :

Rewards Credit Card

Interest Rate : 

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

Eligibility :

Indian Resident
Age group: 18-70 years.

  • Lifetime free credit card 

  • Reward System: Customers can earn 4 Reward Points for every 100 spent (maximum 800 Reward Points per statement cycle)

  • Other Benefits: Spend Rs. 2,500 within 60 days and Rs. 12,000 annually for reversal/waiver of annual fees.

  • Limited Offers available. 

  • Low reward point value. 

  • No welcome benefit 

  • No reward points on fuel transactions

Pros & Cons
Welcome Benefits


Rewards System
  • Earn 4 Reward Points for every 100 spent (maximum 800 Reward Points per statement cycle) 

  • 1RP = 0.25 paisa 

  • Effective Cashback Rate = 1%

International Forex Markup
3.50% of the transaction amount
Welcome Benefits and Reward System
Special Features
Eligibility Criteria

Indian Resident
Age group: 18-70 years.


  • Lifetime free card

  • Free add-on cards

  • Zero liability on lost card

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

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

  • Select the "SWAVLAMBAN Credit Card". Click on the "Apply Now" button. 

  • Fill out the online application form and submit it. 

  • You will need to provide the following information: Your personal details, such as your name, address, and contact information. Your employment details, such as your employer's name, address, and phone number. Your income details. Your credit history. 

  • You will also need to upload a copy of your PAN card, Aadhaar card, and recent salary slip. 

  • Once your application is submitted, it will be reviewed by the Bank of Baroda. 

  • If your application is approved, you will receive the card in the mail within a few weeks.

Contact Details

Call at 1800 225 100

Account Opening and Procedure

Overall, the Bank of Baroda Swavlamban Credit Card is a decent option for beginners or those with limited credit history. However, if you are a high spender or are looking for a card with a more rewarding program, there might be better options available.

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 Fee: Nil Annual Joining Fee: Nil 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
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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