If the user spends INR 2,500 within 60 days joining fee is reversed.
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Swavlamban Bobcard
Rewards & Benefits
Welcome Benefits
If the user spends INR 2,500 within 60 days joining fee is reversed.
Milestone Benefits
None.
Cashback Rate
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%.
Movie Benefits
None.
Dining Benefits
None.
Other Benefits
Lifetime free card
Free add-on cards
Zero liability on lost card.
On spending INR 12,000 in a calendar year annual fee will be waived.
Lounge Access
None.
Rewards & Benefits
Welcome Benefits
If the user spends INR 2,500 within 60 days joining fee is reversed.
Milestone Benefits
None.
Cashback Rate
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%.
Movie Benefits
None.
Dining Benefits
None.
Other Benefits
Lifetime free card
Free add-on cards
Zero liability on lost card.
On spending INR 12,000 in a calendar year annual fee will be waived.
Lounge Access
None.
Fees & Charges
Joining Fee
Annual Fee
Cash Advance Fee
2.5% or ?300/- (Whichever is
higher)
Interest rate
3.25% p.m. (39% Annualized
Percentage Rates).
Late Payment Fee
< 200- Nil
200 � 500- Rs.100/-
501 � 1000- Rs. 400/-
1001 � 10000- Rs. 500/-
> 10000- Rs. 750/-
Foreign Currency Transactions Fee
3.5
Other Fees
Fees & Charges
Joining Fee
Annual Fee
Cash Advance Fee
2.5% or ?500 whichever is higher
Interest rate
3.25% p.m. (39% Annualized
Percentage Rates).
Late Payment Fee
< 200- Nil
200 � 500- Rs.100/-
501 � 1000- Rs. 400/-
1001 � 10000- Rs. 500/-
> 10000- Rs. 750/-
Foreign Currency Transactions Fee
3.5
Other Fees
Special Features
Eligibility Criteria
Indian Resident
Age group: 18-70 years.
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
Website: https://www.bobfinancial.com/easy-card.jsp
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.
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
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai