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By Ankur Mittal
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Owned by the Bank of Baroda, BoB Financial is a non-banking financial services organization that focuses mainly on the credit card business. Established in 1994, the bank very soon became a popular card issuer in the country. Being governed by a major bank in India, it offers a number of exclusive credit cards in different categories, including shopping, travel, dining, lifestyle, and many more. Also, keeping the requirements of different segments of individuals in mind, the card issuer has added premium as well as basic credit cards in its portfolio so that everyone can get a card as per their needs. You can even link your Bank of Baroda Credit Cards to UPI and make easy payments. According to RBI reports, BoB Financial currently has over 25 lakh active credit card customers (as of June 2024) in the country. The card issuing company is solely aimed at providing its customers with the best services. All the Bank of Baroda (BoB) credit cards come with great privileges and will surely benefit the ones who make the right choice for their needs. With this article, you will find detailed information about all the credit cards offered by BoB Financial and all other card-related services provided by the company.
Table of Contents
- Bank of Baroda Premier Credit Card
- Bank of Baroda Easy Credit Card
- Bank of Baroda Select Credit Card
- IRCTC BoB RuPay Credit Card
- Bank of Baroda Prime Credit Card
- HPCL Bank of Baroda ENERGIE Credit Card
- Bank of Baroda Eterna Credit Card
- Snapdeal Bank of Baroda Credit Card
- Bank of Baroda Unnati Credit Card
- Bank of Baroda Varunah Credit Card
- Bank of Baroda Swavlamban Credit Card
- Indian Army Yoddha BoB Credit Card
- Bank of Baroda Sentinel Credit Card
- ICAI Bank of Baroda Exclusive Credit Card
- Bank of Baroda ICSI Diamond Credit Card
- BoB Renaissance Credit Card
- BoB CMA One Credit Card
- Bank of Baroda ConQR Credit Card
List of Best Bank of Baroda Credit Cards
Being a well-known credit card issuer in India, BoB Financial offers many credit cards in diverse categories like travel, rewards, and many more. People who want to have a BoB Credit Card might find it challenging to go through all the features and benefits of every other credit card. To assist them with the same, we are here with a list of the best BoB Credit Cards along with their features and benefits in detail:
(4.4/5)
Joining Fee
Lifetime Free (Limited Time Offer)
Renewal Fee
Lifetime Free (Limited Time Offer)
Best Suited For
Travel | Dining
Reward Type
Reward Points
Welcome Benefits
500 Reward Points on Spends of ₹5,000 or More in the First 60 Days of Card Issuance
(4.6/5)
Joining Fee
Nil
Renewal Fee
Nil
Best Suited For
Shopping | Food
Reward Type
Reward Points
Welcome Benefits
NA
(4.5/5)
Joining Fee
Lifetime Free (Limited Time Only)
Renewal Fee
Lifetime Free (Limited Time Only)
Best Suited For
Shopping
Reward Type
Reward Points
Welcome Benefits
500 Reward Points on Spends of ₹5,000 or More Within 60 Days of Card Issuance
(4.5/5)
Joining Fee
Rs. 500 + GST
Renewal Fee
Rs. 350 + GST
Best Suited For
Travel
Reward Type
Reward Points
Welcome Benefits
Get 1000 Bonus Reward Points on spending Rs. 1000 through a single transaction using this card within the first 45 days of card issuance.
(4.1/5)
Joining Fee
Nil
Renewal Fee
Nil
Best Suited For
Shopping
Reward Type
Reward Points
Welcome Benefits
NA
(4.5/5)
Joining Fee
Rs. 499 + GST
Renewal Fee
Rs. 499 + GST
Best Suited For
Fuel | Shopping
Reward Type
Reward Points
Welcome Benefits
On spending Rs. 5,000 or more first 60 days after paying the joining fee, you get 2,000 Bonus RPs.
(4.7/5)
Joining Fee
Rs. 2,499 + GST
Renewal Fee
Rs. 2,499 + GST
Best Suited For
Shopping
Reward Type
Reward Points
Welcome Benefits
6-month FitPass Pro membership worth Rs. 15,000 and 10,000 bonus reward points.
(4.5/5)
Joining Fee
Rs. 249 + GST
Renewal Fee
Rs. 249 + GST
Best Suited For
Shopping
Reward Type
Reward Points
Welcome Benefits
Get a Snapdeal gift voucher worth up to Rs. 500 as a welcome benefit.
(4.5/5)
Joining Fee
Nil
Renewal Fee
Nil
Best Suited For
Shopping
Reward Type
Reward Points
Welcome Benefits
NA
(4.5/5)
Joining Fee
Nil (for Varunah Card),Rs. 1,499 (for Varunah Plus Card)Rs. 2,499 (for Varunah Premium Card)
Renewal Fee
Nil (for Varunah Card),Rs. 1,499 (for Varunah Plus Card)Rs. 2,499 (for Varunah Premium Card)
Best Suited For
Shopping
Reward Type
Reward Points
Welcome Benefits
Complimentary Amazon Prime & Zomato Pro membership for one year and Fitpass Pro membership for 6 months (with Varunah Plus and Varunah Premium Credit Card), and 1,000 bonus Reward Points with the Varunah Premium Card.
(4.5/5)
Joining Fee
NilRs. 250 (for non-delinquent cardmembers)
Renewal Fee
NilRs. 250 (for non-delinquent cardmembers)
Best Suited For
Shopping
Reward Type
Reward Points
Welcome Benefits
NA
(4.5/5)
Joining Fee
Nil
Renewal Fee
Nil
Best Suited For
Travel | Shopping
Reward Type
Reward Points
Welcome Benefits
Get 6-month complimentary Fitpass Pro membership and free Zomato Pro membership on activating the card within 30 days of issuance.
(4.5/5)
Joining Fee
Nil
Renewal Fee
Nil
Best Suited For
Shopping
Reward Type
Reward Points
Welcome Benefits
Get complimentary Flit Pass Pro membership, Get 1,000 bonus Rewards, and free Zomato Pro membership on activating your card within the first 30 days.
(4.5/5)
Joining Fee
Nil
Renewal Fee
Nil
Best Suited For
Travel | Shopping
Reward Type
Reward Points
Welcome Benefits
Get complimentary Fit Pass Pro membership for 6 months and 1,000 bonus Reward Points.
(4.5/5)
Joining Fee
Nil
Renewal Fee
Nil
Best Suited For
Travel | Shopping
Reward Type
Reward Points
Welcome Benefits
Get free Fit Pass Pro membership for 6 months and 1,000 bonus Reward Points.
(4.5/5)
Joining Fee
Nil
Renewal Fee
Rs. 250 + GST
Best Suited For
Shopping
Reward Type
Reward Points
Welcome Benefits
NA
(4.5/5)
Joining Fee
Re. 1
Renewal Fee
Nil
Best Suited For
Travel
Reward Type
Reward Points
Welcome Benefits
Get 6-months complimentary Fit Pass Pro membership and 1,000 bonus Reward Points.
(4.5/5)
Joining Fee
Nil
Renewal Fee
Nil
Best Suited For
Travel | Shopping
Reward Type
Reward Points
Welcome Benefits
NA
Bank of Baroda Credit Cards Features and Benefits
Like all other major card issuers present in the country, BoB Financial also offers a lot of exciting features and benefits with its credit cards. Different cards may have different benefits, but the following are the general advantages that you will get to see with most of the cards offered by BoB:
Welcome Benefits – Welcome benefits are provided to the cardholders upon successful realization of the card membership fee. These benefits can be offered in the form of bonus reward points, vouchers, premium memberships of partner brands, accelerated cashback, and much more.
Rewards/Cashback – Every time the cardholders make a transaction using their BoB Credit card, they are rewarded with reward points or cashback. Some cards also offer accelerated cashback or points on transactions made in special categories and a lesser reward rate on other category spends. The reward points earned can be redeemed against a wide number of options available to the cardholder.
Milestone Benefits – BoB Financial credit cardholders can enjoy the milestone benefits associated with the credit card on achieving the target spends, which are pre-defined by the card issuer. Bonus reward points or cashback, gift vouchers, and many other benefits are offered as milestone benefits.
Travel Benefits – Some of the cards issued by BoB Financial also offer great travel privileges, like complimentary access to airport lounges, discounted travel-related bookings, and many more.
Movie & Dining Benefits – For the entertainment needs of cardholders, BoB offers many benefits with its cards, including complimentary/discounted movie tickets, great discounts on dining bills, etc.
Other Benefits – Apart from the benefits mentioned above, BoB credit cards offer many other benefits, including a fuel surcharge waiver, waiver of the annual fee (based on spending), and much more.
Top BOB Financial Credit Cards
BoB Financial, the card-issuing company under the Bank of Baroda, issues multiple beneficial credit cards, including co-branded and general credit cards. Out of all BoB Cards, the following are some of the most popular ones:
Bank of Baroda Select Credit Card
The Bank of Baroda Select Credit Card is another card issued by BoB Financial, which comes with exciting Reward offers and several other benefits. It earns you Reward points for all your spends and extra Reward Points for your spends on dining, utility bills, and online purchases. There are various other advantages of the card, some of which are as mentioned below:
- An opportunity to earn 1,000 bonus Reward Points every month.
- Reward Points you earn are redeemable against cashback & various other categories.
- Spend-based joining/renewal fee waiver.
- 24*7 concierge services.
- Conversion of big purchases into EMI.
- A 1% fuel surcharge waiver.
Bank of Baroda Premier Credit Card
The Bank of Baroda Premier Credit Card offers exclusive Reward Programs & benefits over several categories. For every transaction of Rs. 100 done with this card, you get 2 reward points, and you can earn extra Reward Points by spending on dining, travel & international purchases. The following are the features of the BoB Premier Credit Card:
- Redeem your Reward points against various categories, including cashback.
- Complimentary airport lounge access.
- 24*7 concierge service.
- 1% fuel surcharge waiver.
- Convert big purchases into easy EMI.
- Zero liability protection against lost/stolen cards.
- Insurance covers in case of accidental death of cardholder.
IRCTC BoB RuPay Credit Card
IRCTC BoB RuPay Credit Card is also a new card that BoB Financial launched in partnership with IRCTC. The card has a joining fee of Rs. 500 & an annual fee of Rs. 350. The card offers a very good reward rate on railway ticket bookings via IRCTC. Other than this, the IRCTC BoB Rupay Card has several other advantages as follows:
- 1,000 bonus Reward Points as a welcome benefit.
- Up to 40 Reward Points per Rs. 100 spent.
- 4 access to complimentary domestic lounges.
- The cardholders also get a 1% fuel surcharge waiver as well as a railway surcharge waiver.
Bank of Baroda Prime Credit Card
The Bank of Baroda Prime Credit Card is a secured credit card, i.e., you can have it with a fixed deposit, unlike other cards that require proof of income. It comes without a joining fee and provides its customers with exclusive Reward Programs as you get Reward Points on every spends and 5x RPs on spending on some selected categories. Following are some of the benefits of having the BoB Prime Credit Card:
- You can have the card without any proof of income just by having a fixed deposit of Rs. 15,000.
- The card comes with no joining/annual fee.
- Redeem the reward points for an array of categories.
- 24*7 concierge services.
- You have zero liability against lost/stolen cards.
- Get a 1% fuel surcharge waiver.
- In-build accidental death insurance cover.
Bank of Baroda ETERNA Credit Card
The Bank of Baroda ETERNA Credit Card comes with the aim of providing its customers with exciting Reward offers and lifestyle experiences. With benefits over several categories, including dining, travel, movies, etc, it provides you with 3 Reward Points per Rs. 100 spent, and extra Points for spends on travel, dining, and international transactions. Some of the best features of this card are:
- Reward points are redeemable against several categories, including cashback.
- Earn 10,000 Reward Points on spending Rs. 50,000 or more within the first 60 days.
- Earn 20,000 Reward Points on spending Rs. 5 lakhs or more in a year.
- Spend-based joining & renewal fee waiver
- Unlimited complimentary domestic airport lounge access.
- There is a low foreign currency markup of 2% only.
- 1% fuel surcharge waiver on fuel transactions.
- 24X7 concierge services.
- An accidental air death cover worth Rs. 1 Crore.
- Zero liability protection for a lost/stolen card.
HPCL BoB ENERGIE Credit Card
The HPCL BoB ENERGIE Credit Card is a newly launched credit card by BoB Financial in partnership with Hindustan Petroleum Corporation Limited (HPCL). The card is targeted at those who spend very often on fuel and want to save on their spends. With a nominal fee of Rs. 499, the Energie Credit Card offers a lot of exclusive benefits across various categories. The following are some of the great benefits:
- 2000 bonus RPs as a welcome benefit.
- Get up to 24 reward points for every spend made of Rs. 150
- Complimentary domestic lounge access.
- 25% discount on movie ticket bookings on BookMyShow.
- Get a 1% fuel surcharge waiver on every fuel transaction.
Bank of Baroda Easy Credit Card
The Bank of Baroda Easy Credit Card is a unique card that earns you cash back even when you are paying your card bills. The card provides you with reward points for all your spending, and you get extra reward points when spending on department stores, groceries, and movies. Along with this, the card has a number of benefits, some of which are as mentioned below:
- Redeem your Reward Points against cashback and various other products & categories.
- Spend-based joining/renewal fee waiver.
- 24*7 concierge service.
- You can convert your big purchases into EMI.
- A 1% waiver on fuel surcharge
BoB Swavlamban Credit Card
The BoB Swavlamban Credit Card is a basic card that comes with a zero annual fee and provides customers with several decent benefits across different categories. One of the most significant features of this card is that you can use up to 105% of your credit limit. Some of the most significant features of this card are given below in detail:
- 4 Reward Points on every spend of Rs. 100.
- 1% fuel surcharge waiver on all fuel spends.
- Get a personal accidental death cover.
BoB Varunah Credit Card
The Varunah Credit Card by BoB, which is exclusively for Indian Navy Personnel, is issued in three variants, including Vrunah, Varunah Plus, and Varunah Premium. All three variants come with different fees and features. The Varunah Card is lifetime free, whereas the other two come with nominal annual fees. The features of this card are given below:
- Free yearly membership of Amazon Prime.
- Complimentary 6-month Fitpass Pro membership.
- 1,000 bonus Reward Points as a welcome benefit (with the Varunah Premium Card).
- Reward rate of up to 15 Reward Points on every spend of Rs. 100.
- Complimentary domestic airport lounge access every year.
- Spend-based waiver of the joining and annual fee.
BoB Indian Army Yoddha Card
As suggested by the name, the Indian Army BoB Yoddha Credit Card is exclusively for Indian Army personnel. It comes with a zero annual fee and is aimed at providing the targeted customers with the best experiences across different categories. Some of its key features are as follows:
- Earn up to 10 Reward Points on every spend of Rs. 100 with this card.
- Get complimentary access to domestic airport lounges every year.
- Get complimentary golf games/lessons every year.
- Get a free Amazon Prime annual membership to achieve the spending milestone.
BoB ICAI Exclusive Credit Card
The BoB ICAI Exclusive Credit Card is a lifetime free card that is exclusively for active members of ICAI. From rewards to travel and many other categories, this card provides you with several exciting benefits that are hardly expected from a zero annual fee card. Some of its key advantages are as follows:
- Earn bonus Rewards as welcome and milestone benefits.
- Complimentary 6-month Fit Pass Pro membership.
- Earn up to 5 RPs on every spend of Rs. 100.
- Complimentary domestic lounge access every quarter.
- Reduced foreign currency markup fee of 2% only.
- Personal accident cover worth Rs. 15 lakhs.
BoB Credit Card Reward Points & Cashback
All the credit cards offered by BoB Financial come with exciting reward rates. Some cards may offer your reward points; others offer cash back or miles on all your spends. Most of the BoB Credit Cards offer reward points to their customers. Different cards can have different reward rates, and the number of reward points can also vary according to categories. Cards with a lower annual fee will generally offer a lower reward rate compared to cards with a high annual fee. The reward rate of some of the best BoB Credit Cards is provided in the following table:
| Credit Card | Reward Points |
| Bank of Baroda ETERNA Credit Card |
|
| Bank of Baroda Select Credit Card |
|
| Bank of Baroda Premier Credit Card |
|
| IRCTC BoB Rupay Credit Card |
|
| Bank of Baroda Prime Credit Card |
|
| HPCL BoB ENERGIE Credit Card |
|
| Bank of Baroda Easy Credit Card |
|
| BoB Swavlamban Credit Card |
|
| BoB Varunah Credit Card |
|
| BoB Indian Army Yoddha Credit Card |
|
| BoB ICAI Exclusive Credit Card |
|
Rewards Redemption
The Reward Points earned by you using your Bank of Baroda credit cards are redeemable at the BoB Rewards app against an array of categories like travel, movie, dining, hotel bookings, recharge, etc. The Reward Points can also be redeemed against cashback where 1 Reward Point = Rs. 0.25.
BoB Credit Cards Eligibility Criteria
Every credit card institution follows certain eligibility criteria that must be fulfilled by the applicants when applying for a credit card. The criteria required to be fulfilled for BoB Financial Credit Cards depend on different factors, including income, age, credit score, etc. The following are the basic requirements that one needs to take care of:
- The applicant should be between the age of 21 and 65 years in the case of the Eterna Credit Card and 18 to 65 years for all other cards.
- The applicant should have a stable source of income.
- The applicant should have a decent credit score.
Apart from this, the user-specific cards may have different criteria that you can check on the individual card pages shown above.
Documents Required
Certain documents, like identity proof, address proof, etc., are also required to be uploaded or submitted when applying for BoB credit cards. A list of all the essential documents is given in this table:
- Identity Proof: PAN Card, Aadhaar Card, Voter ID, Passport, and Driving Licence
- Address Proof: Aadhaar Card, Voter ID, Passport and Driving Licence
- Income Proof: For salaried employees, the bank needs their salary slips for the last two months. Self-employed individuals need to provide their latest Income Tax Return (ITR).
Annual Fee
Different Credit Cards issued by BoB Financial come with different annual fees, which is no doubt one of the crucial factors considered by the applicants when picking a suitable credit card for themselves. The higher the annual fee of a card, the better the features and benefits it offers. The table below will give you an idea about the annual charges of the best credit cards offered by BoB:
| Credit Card | Annual Fee |
| Bank of Baroda ETERNA Credit Card | Rs. 2,499 (waived on spending Rs. 2,50,000 in the previous year) |
| Bank of Baroda Select Credit Card | Nil |
| Bank of Baroda Premier Credit Card | Nil |
| IRCTC BoB Rupay Credit Card | Rs. 500 (joining fee),
Rs. 350 (annual fee) |
| Bank of Baroda Prime Credit Card | Nil |
| HPCL BoB ENERGIE Credit Card | Rs. 499 |
| Bank of Baroda Easy Credit Card | Nil |
| BoB Swavlamban Credit Card | Nil |
| BoB Varunah Credit Card | Nil (for Varunah Card),
Rs. 1,499 (for Varunah Plus Card) Rs. 2,499 (for Varunah Premium Card) |
| BoB Indian Army Yoddha Credit Card | Nil |
| BoB ICAI Exclusive Credit Card | Nil |
| BoB ConQR Credit Card | Nil |
Other Fees & Charges
Apart from the annual charges, there are many other important charges (or fees) applicable on the BoB Credit Cards and should be checked by everyone before applying for a card:
| Interest Charges | 3.25% per month for all BoB Credit Cards. |
| Cash Advance Fee | 2.5% of the withdrawn amount or Rs. 500 (whichever is higher) |
| Forex Markup Fee | 2% for the Eterna Card and 3.5% for all other cards. |
How To Apply for BoB Credit Cards?
The applicants who wish to apply for BoB Cards can do so with the credit card comparison platform – CardInsider. On our website, you can compare the features of different cards and apply for the one most suited for you.
- Simply click on the Apply Now button next to the card of your choice.
- You will be redirected to an application form. Fill in all the required details carefully and check them before proceeding.
- Complete all the formalities according to the website’s instructions.
- Submit your application.
How To Activate BoB Credit Card?
After receiving your new credit card from BoB Financial, you first need to activate it. There are online as well as offline ways to activate your credit card, some of the easiest ones being as follows:
- You can activate your credit card through internet banking. Simply log in to your net banking account and look for an activation/PIN generation option from the menu.
- You can also activate the card through ATM. Visit your nearest BoB ATM, insert your credit card into it, and select the option to activate your card from the main menu.
- You can also reach out to your card’s customer care and request that they assist you in activating your credit card.
BoB Credit Cards Login / Netbanking
Nowadays, everyone wants to get their banking-related tasks done from the convenience of their home. This is why most of banks and card issuers have started providing Internet banking facilities. You can also avail yourself of great services by registering for your BoB Credit Card for net banking. Following are a few steps to do the same:
Step 1: Visit the net banking page of BoB Financial.
Step 2: Click on the Sign-Up option.
Step 3: Enter all the required details, including your credit card number, expiry date, and other required details, and click on ‘Proceed.’
BoB Credit Card Customer Care
BoB Financial Services Limited values its customers and hence offers them 24*7 help & support. You can contact 1800-103-1006 or 1800-225-100 for the following services:
- To block your card
- Balance inquiry
- PIN generation
- To know your card status
FAQs:
No, you get complimentary lounge access through the following two cards only:
1. Bank of Baroda ETERNA Credit Card (unlimited complimentary domestic lounge access)
2. Bank of Baroda Premier Credit Card (2 complimentary lounge access (every quarter) in India)
1. Bank of Baroda ETERNA Credit Card (unlimited complimentary domestic lounge access)
2. Bank of Baroda Premier Credit Card (2 complimentary lounge access (every quarter) in India)
Yes, the Bank of Baroda was nationalised by the Indian government in 1969. It is currently the third-largest bank owned by the Ministry of Finance of the Government of India.
Yes, with the Bank of Baroda ETERNA Credit Card, you get 10,000 Reward Points on spending Rs. 50,000 or more within the first 60 days after card activation, and you get 20,000 Reward Points if you spend Rs. 5 lakhs or more in a year.Other than that, the Bank of Baroda Select Credit Card also provides 1,000 bonus Reward Points every month if you have made 5 transactions worth Rs. 1000 or more in a month.
Yes, you can get the Bank of Baroda Prime Credit Card even without having a stable monthly income. You just need to own a fixed deposit of Rs. 15,000.
Yes, you can apply for a BoB credit card just by using your mobile phone. Simply click on the Apply Now button on your screen.
To get a credit card issued from the Bank of Baroda, you have one of these documents as address proof: an Aadhaar card, Utility Bills, Voter ID, passport, driving license, rent agreement, or a house allotment letter from the government.
You can contact the Bank of Baroda IVR service instantly through the numbers 1800-103-1006 / 1800-225-100, or you can avail yourself of the SMS service. For the SMS service, you will have to send SMS BLOCK XXXX on 9223172141.