By Ankur Mittal
Updated On October 6, 2021

Bank of Baroda is the third-largest government-owned banking & services company, which has a total business of over US$218 billion, over 132 million customers, and around 100 offices globally. Owned by the ministry of finance of the Indian government, the Bank of Baroda was merged with Vijaya Bank and Dena Bank in September 2018. The unification was India’s first-ever three-way merging of banks, which made it the third-largest bank after State Bank of India and ICICI bank. BoB was set up in 1908 by Maharaja Sayajirao Gaekwad III and its first branch was established in 1910 in Ahmedabad. It was nationalized by the Government of India along with 13 other commercial banks in 1969. With 71.60% shareholding with the government of India, the bank currently has around 107 offices & branches in over 24 countries. Some of its branches, including London, New York, Dubai, Singapore, etc, are among the world’s major financial centers.

The Bank of Baroda issues 9 credit cards, of which some popular cards are as mentioned below:

Welcome Benefits

6-month FitPass Pro membership worth Rs. 15,000 and 10,000 bonus reward points.

Rewards Rate

15 reward points / Rs. 100 on online shopping, travel, movie, and dining spends (max cap of 5,000 points at this rate), 3 reward points/ Rs. 100 for spends on all other categories.

Best Suited For

Shopping |

Movie & Dining

5X (15) reward points on movie and dining spends, 250 plus culinary deals at MasterCard Priceless specials, Buy One Get One scheme on movie tickets booked through Paytm app (max discount capped at Rs. 250/month)

Reward Redemption

Reward points redeemable as cashback or against flight tickets, hotel reservations, shopping, etc at a rate of 1 RP = Re. 0.25.

Joining Fees

Rs. 2,499 + GST

Product Details

  • 6-month FitPass Pro membership worth Rs. 15,000 as a welcome gift.
  • 10,000 reward points of expenditure of Rs. 50,000 within 60 days of card issuance.
  • 20,000 bonus reward points on spending Rs. 5,00,000 in a year.
  • 15 reward points on every Rs. 100 spent on online shopping, travel, dining and movie tickets.
  • 3 reward points on spends of Rs. 100 on all other categories.
  • 1 Reward Point = Rs. 0.25.
  • Reward Points redeemable as cashback or for other categories of expenditure on the BOB’s reward redemption portal.
  • Joining fee waived off on spending Rs. 25,000 in the first 60 days.
  • Annual membership fee of the subsequent year waived on the expenditure of Rs. 2.5 lakh in the previous year.
  • Personal accidental death insurance cover (Rs. 1 crore for air accident, Rs. 10 lakh for a non-air accident).

See additional details for Bank of Baroda Eterna Credit Card

Welcome Benefits

NA

Rewards Rate

1 Reward Point on every retail spend of Rs. 100 and 5 Reward Points on every Rs. 100 spent on utility bills, dining, and online purchases.

Best Suited For

Shopping |

Movie & Dining

NA

Reward Redemption

The earned reward points can be redeemed against cash or various other options.

Joining Fees

Rs. 750

Product Details

  • Get 1 Reward Point on every Rs. 100 you spend (except on fuel).
  • Get 5 Reward Points on every Rs. 100 you spend on online purchases, utility bills, and dining.
  • Spend Rs. 7,500 in 2 months and get your joining fee waived off.
  • Spend Rs. 70,000 in a year and get your renewal fee waived off.
  • 1% fuel surcharge waiver across all fuel stations.
  • Accidental death insurance cover.

See additional details for Bank of Baroda Select Credit Card

Welcome Benefits

NA

Rewards Rate

You can earn 10 reward points on every Rs. 100 spent on travel, dining, and foreign spending and reward points on every Rs. 100 spent on all categories

Best Suited For

Travel | Dining |

Movie & Dining

NA

Reward Redemption

You can redeem these rewards by logging into your Bank of Baroda net banking account and choose from multiple redemption options. 1 Reward Point = Re. 0.25.

Joining Fees

Rs 1,000 plus applicable taxes

Product Details

  • 2 reward points on every Rs 100 spent on all categories.
  • 5x reward points on your spends on travel, dining, and international transactions.
  • Complimentary Domestic Lounge Access at selected airports.
  • Spend-based waiver of joining and annual fee.
  • Insurance benefits covering personal accident death cover.
  • 1% fuel surcharge waiver on fuel transactions at all fuel stations across India.

See additional details for Bank of Baroda Premier Credit Card

Welcome Benefits

NA

Rewards Rate

4 Reward Points on every Rs 100 spent.

Best Suited For

Shopping |

Movie & Dining

NA

Reward Redemption

1 Reward Point = Re. 0.25

Joining Fees

Nil

Product Details

  • Guaranteed issuance against a fixed deposit of Rs. 15,000.
  • No joining/annual fee.
  • 4 Reward points on every Rs 100 spent.
  • 1% surcharge waiver on fuel transactions.
  • Complimentary personal accident insurance cover.
  •  Zero Liability protection against a lost card.

See additional details for Bank of Baroda Prime Credit Card

Welcome Benefits

NA

Rewards Rate

5X reward points on every Rs. 100 spent on selected merchant categories like movies, groceries, and departmental stores. 1 reward point on every Rs. 100 spent on other categories. 0.5 % cashback on card bill payment.

Best Suited For

Shopping |

Movie & Dining

NA

Reward Redemption

Accumulated reward points can be redeemed against cashback and other exciting options. 1 reward point is equivalent to Re. 0.25.

Joining Fees

Rs. 500

Product Details

  • The joining of the card is Rs. 500
  • Earn 5X reward points on selected merchant categories like groceries, departmental stores, movies, etc.
  • Earn 1 reward point on other categories.
  • Earn 0.5% cashback on payment of card bill.

See additional details for Bank of Baroda Easy Credit Card

Top 5 Bank of Baroda Credit Cards

Bank of Baroda ETERNA Credit Card

The Bank of Baroda ETERNA Credit Card is aimed at 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 Reward Points for your spends on travel, dining, and international transactions. Some of the key features of this card are as follows:

  • Reward points are redeemable against several categories including cashback.
  • Earn 10,000 Reward Points on spending Rs. 50,000 within the first 60 days.
  • Earn 20,000 Reward Points on spending Rs. 5 lakhs or more in a year.
  • Spend-based joining and renewal fee waiver
  • Unlimited complimentary domestic airport lounge access.
  • Low foreign currency markup of 2% only.
  • A 1% fuel surcharge waiver.
  • 24*7 concierge services.
  • An accidental air death cover worth Rs. 1 Crore.
  • Zero liability protection for a lost/stolen card.

Bank of Baroda Premier Credit Card

The Bank of Baroda Premier Credit Card comes with exclusive Reward Programs and benefits over several categories. With this card, you get 2 Reward Points for every Rs. 100 you spend and you can earn extra Reward Points by spending on dining, travel & international purchases. Following are some of the key features of the Bank of Baroda Premier Credit Card:

  • Redeem your Reward points against various categories including cashback.
  • Spend-based joining/renewal fee waiver.
  • Complimentary airport lounge access.
  • 24*7 concierge service.
  • 1% fuel surcharge waiver.
  • Convert big purchases into easy EMI.
  • Zero liability protection against lost/stolen card.
  • Insurance cover for the accidental death of the primary cardholder.

Bank of Baroda Select Credit Card

The Bank of Baroda Select Credit Card is another card issued by the Bank of Baroda, which comes with exciting Reward offers, and several other benefits. It earns you Reward points on 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.
  • Cardholders are not liable for any fraudulent transactions made on their lost/stolen card after reporting the loss.
  • An accidental death insurance cover.

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 spends and you get extra Reward Points when spending on departmental stores, groceries, and movies. Along with this, the card has a number of benefits, some of which are as mentioned below:

  • A cashback of 0.5% on card bill payment.
  • 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% fuel surcharge waiver.
  • Zero liability protection against lost/stolen card.

Bank of Baroda Prime Credit Card

The Bank of Baroda Prime Credit Card is a secured credit card, i.e. you can have it against a fixed deposit, unlike other cards that require income proof. It comes without a joining fee and provides its customers with exclusive Reward Programs as you get Reward Points on all your spends and 5x Reward Points on spending on some selected categories. Following are some of the benefits of having a Bank of Baroda Credit Card:

  • You can have the card without any income proof just by having a fixed deposit of Rs. 15,000.
  • The card comes with no joining/annual fee.
  • The Reward Points you earn can be redeemed against 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.

 

Reward Points & Cashback Benefits:

Credit Card Reward Points
Bank of Baroda ETERNA Credit Card
  • 15 Reward Points on every Rs. 100 you spend on dining, travel, online shopping, and international transactions.
  • 3 Reward Points on every Rs. 100 you spend on other categories.
Bank of Baroda Premier Credit Card
  • 2 Reward Points on every spend of Rs. 100.
  • 10 Reward Points on every spend of Rs. 100 on travel, dining, and international transactions.
Bank of Baroda Select Credit Card
  • 1 Reward Point on every spend of Rs. 100.
  • 5 Reward Points on every spend of Rs. 100 on dining, online shopping, and utility bill payments.
Bank of Baroda Easy Credit Card
  • 1 Reward Point for every spend of Rs. 100.
  • 5 Reward Points on every spend of Rs. 100 on departmental stores, groceries, and movies.
Bank of Baroda Prime credit Card
  • 4 Reward Points on every Rs. 100 you spend.

Rewards Redemption

The Reward Points you earn using your Bank of Baroda credit cards can be redeemed at the Bank of Baroda Rewards app against an array of categories like travel, movie, dining, hotel bookings, recharge, etc. The Reward Points can also be redeemed against cashback at a rate of 1 Reward Point = Rs. 0.25.

Complimentary Airport Lounge Access

Credit Card Complimentary Lounge Access
Bank of Baroda ETERNA Credit Card Unlimited domestic lounge access
Bank of Baroda Premier Credit Card 2 complimentary domestic lounge access every quarter 
Bank of Baroda Select Credit Card NA
Bank of Baroda Easy Credit Card NA
Bank of Baroda Prime credit Card NA

Eligibility Criteria

Credit Card Age Income
Bank of Baroda ETERNA Credit Card 21 years - 65 years > Rs. 12 lakhs per annum
Bank of Baroda Premier Credit Card 18 years - 65 years > Rs. 7.2 lakhs per annum
Bank of Baroda Select Credit Card 18 years - 65 years  > Rs. 3 lakhs per annum 
Bank of Baroda Easy Credit Card 18 years - 65 years > Rs. 3 lakhs per annum
Bank of Baroda Prime credit Card 18 years - 65 years Nil (you should just have a fixed deposit of Rs. 15,000 or more to have this card)

Annual Fee

Credit Card Annual Fee Joining Fee Waiver condition (spends within 60 days) Renewal Fee Waiver condition (spend within an anniversary year)
Bank of Baroda ETERNA Credit Card Rs. 2,499 Rs. 25,000 Rs. 2,50,000
Bank of Baroda Premier Credit Card Rs. 1,000 Rs. 10,000 Rs. 1,20,000
Bank of Baroda Select Credit Card Rs. 750 Rs. 7,500 Rs. 70,000
Bank of Baroda Easy Credit Card Rs. 500 Rs. 6,000 Rs. 35,000
Bank of Baroda Prime credit Card Nil NA NA

Documents Required

Identity Proof Address Proof Income proof
  • PAN Card
  • Aadhar Card
  • Voter ID
  • Passport
  • Driving Licence<
  • Aadhar Card
  • Voter ID
  • Passport
  • Driving Licence
  • Rent agreement
  • Utility bills
  • Municipal or property tax receipt
  • House allotment letter issued by central or state government
  • For salaried employees - salary slip of last two months & bank statement showing salary credits.
  • For self-employed individuals - Later ITR (Income Tax Return).

How To Apply?

You can apply for Bank of Baroda credit cards either by visiting the nearest branch or by the online method as follows:

  • Go to https://www.bobfinancial.com/.
  • Choose the credit card you want to apply for.
  • Click ‘Apply Now.’
  • You will be redirected to an application form that you need to fill carefully.
  • Complete all the formalities as instructed by the bank’s website.

Bank of Baroda Credit Card Application Status

To track your application status, go to https://www.bobfinancial.com/track-application-status.jsp then enter your application number and click on ‘Get details.’ You will get the status of your application on your screen.

Customer Care

The Bank of Baroda provides its customers with 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

Moreover, you can also avail the Bank of Baroda SMS service, for which the number is 9223172141. You just need to send an SMS on this number as given below:

  • To block your lost/stolen card – SMS BLOCK XXXX
  • For Balance inquiry – SMS BAL XXXX
  • To know Reward Points summary – SMS REWARD XXXX
  • To know your last statement summary – SMS STAT XXXX
  • To know the Last payment details – PAYMENT XXXX

(where XXXX are the last 4 digits of your credit card number).

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 to several participating lounges in India)

The Bank of Baroda Select Credit Card, Bank of Baroda Easy Credit card, and Bank of Baroda Prime Credit card do not provide any complimentary lounge access.

Yes, the Bank of Baroda was nationalized by the Indian government in 1969 and 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 if you spend Rs. 50,000 or more within the first 60 days after card issuance 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 have a fixed deposit of Rs. 15,000.

Yes, you can apply online for a Bank of Baroda Credit Card using your phone by following some simple steps. Visit the official website of Bank of Baroda, choose your credit card, click on ‘apply now,’ and fill in all the required details.

To get a credit card issued from the Bank of Baroda, you have one of these documents as address proof: Aadhar 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 number 1800-103-1006 / 1800-225-100 or you can avail of the SMS service. For the SMS service, you will have to send SMS BLOCK XXXX on 9223172141.

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