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Product Details
Credit Card Name : 


Bank Name :

Bank of Baroda

Type :

Rewards Credit Card

Interest Rate : 

1.5% per.month i.e. 18% per annum

Eligibility :

Indian Resident
Age group: 18-70 years.
exclusively for farmers


  • Exclusively for farmers and benefit of them.

  • Reward System: Customers can earn 1 reward point for every INR 100 spent. 

  • Other Benefits: Lifetime free credit card, 

  • No insurance benefit 

  • No add-on features are provided. 

  • Exclusively for farmers. 

Pros & Cons
Welcome Benefits
Rewards System

Enjoy 1 Reward Point for every ₹100 spent 1RP = 0.25 paisa Effective Cashback Rate = 0.25%

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.
exclusively for farmers


  • Lifetime free card

  • Low-interest rate

  • Zero liability on lost card

Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
  • You can apply for the card online or at any Bank of Baroda branch. 

  • To apply online, you can follow these steps: 

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

  • Click on the "UNNATI Credit Card" link. 

  • Click on the "Apply Now" button. 

  • Fill out the application form and submit it. 

  • To apply at a branch, you can visit any Bank of Baroda branch and ask for an application form for the UNNATI credit card. 

  • Here are the documents that you will need to submit along with the application form: Proof of identity: Aadhaar card, PAN card, passport, driving license, etc. Proof of address: Latest utility bills, Aadhaar card, or any other valid current address proof. Proof of income: Latest bank statements/salary slips, or latest audited ITR.

Contact Details

Call at 1800 225 100

Account Opening and Procedure

Overall, the BOB Unnati credit card is a compelling option for farmers due to its lifetime-free nature, low-interest rates, reward points, and practical features like EMIs. However, its limited features and target audience make it less relevant for individuals outside the agricultural sector.

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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