By Ankur Mittal
Updated On June 23, 2022

Owned by the Bank of Baroda, BoB Financial is a non-banking financial services company that majorly focuses on the credit card business. It was established in 1994 and very soon became a popular card issuer in the country. Being governed by one of the major banks 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.

The card issuing company is solely aimed at providing its customers with the best services. All the BoB Credit Cards come with great privileges and will surely benefit the ones who make the right choice as per their needs. With this article, you can find detailed information about all the credit cards issued by BoB Financial and all other card-related services provided by the company.

Bank of Baroda credit cards

List of Best Bank of Baroda Credit Cards

Being a well-known credit card issuer in India, BoB Financial offers several credit cards in different categories, including rewards, travel, and many more. People who want to have a BoB Credit Card might find it difficult to go through the features and benefits of all of them. To help them out, we are here with the list of the best BoB Credit Cards and their features and benefits in detail:

Table of Contents

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.

Joining Fees

Rs. 2,499 + GST

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.

Joining Fees

Nil

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

Joining Fees

Nil

Welcome Benefits

You are entitled to 1000 Bonus Reward Points if you are able to spend Rs. 1000 through a single transaction using this card within first 45 days of card issuance

Rewards Rate

4 Reward Points on every Rs. 100 spent on grocery & departmental stores and 2 Reward Points on other categories respectively. Upto 40 RP on every Rs. 100 spent on railway tickets booked through IRCTC

Joining Fees

Rs.500 (plus applicable taxes)

Welcome Benefits

NA

Rewards Rate

4 Reward Points on every Rs 100 spent.

Joining Fees

Nil

Welcome Benefits

You are entitled to 2000 Bonus Reward Points if you are able to spend Rs. 5000 within 60 days of payment of the joining fee

Rewards Rate

Earn 24 Rewards Points, 10 Rewards Points, and 2 Reward Points for every Rs. 150 spent on fuel at HPCL Pumps, departmental stores and groceries, and other categories respectively.

Joining Fees

Rs. 499 (plus applicable taxes)

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.

Joining Fees

Nil

Bank of Baroda Credit Cards Features and Benefits

Like all other major card issuers 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 some of the general advantages that you will get with most of the cards offered by BoB:

Welcome Benefits – You get welcome benefits on your BoB Credit Cards when you join the card membership. This can be in the form of so many bonus reward points, complimentary premium memberships, gift vouchers, accelerated cashback, etc. Generally, these benefits are offered to you after you pay the joining fee.

Rewards/Cashback – Every time you make a transaction using your BoB Credit Card, you get rewarded in the form of reward points/cashback. However, you may get accelerated rewards on selected categories and a lesser number of points on other spends. These reward points can later be redeemed against a lot of options of your choice.

Milestone Benefits – The BoB Financial credit cardholders can avail of the milestone benefits of a credit card on achieving the required spending threshold that is pre-defined by the cardholder. The milestone benefits can also be provided in the form of bonus points, gift vouchers, etc.

Travel Benefits – Some of the cards issued by BoB Financial also offer great travel privileges, like complimentary lounge access, discount offers on travel-related bookings, and many more.

Movie & Dining Benefits – Keeping the entertainment needs of its customers in mind, BoB offers a few cards with exciting movie and dining benefits. These benefits include complimentary movie tickets, discounts on movie tickets & dining, etc.

Other Benefits – Other than providing great benefits across several categories as mentioned above, the BoB Credit Cards come with various additional benefits, including fuel surcharge waiver, spend-based waiver of the joining & annual fee, and many more.

Top 7 Bob Financial Credit Cards

BoB Financial, the card-issuing company under the Bank of Baroda, issues 10 credit cards including co-branded as well as general credit cards. Out of all BoB Cards, the following are some of the most popular ones:

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 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 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.
  • 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 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 BoB 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 covers for the accidental death of the primary cardholder.

IRCTC BoB RuPay Credit Card

The IRCTC BoB RuPay Credit Card is also a new card that was launched by BoB Financial in partnership with IRCTC. It comes with 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 on every spend of Rs. 100.
  • YOu get 4 complimentary domestic lounge access.
  • 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 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 the BoB Prime 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.

HPCL BoB ENERGIE Credit Card

The HPCL BoB ENERGIE Credit Card is a newly launched credit card by BoB Financial in collaboration with Hindustan Petroleum Corporation Limited. The card is targeted at those who spend very often on fuel and want to save on their spends. With a very nominal fee of Rs. 499, the Energie Credit Card offers a lot of exclusive benefits across different categories. The following are some of its great benefits:

  • 2000 bonus Reward Points as a welcome benefit.
  • Up to 24 Reward Points on every spend of Rs. 150.
  • Complimentary domestic lounge access.
  • 25% discount on movie ticket bookings on BookMyShow.
  • 1% fuel surcharge waiver on all fuel transactions.

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.

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. The cards having a lower annual fee will generally offer a lower reward rate compared to a card that has a high annual fee. The reward rate of some of the Top BoB Credit Cards is given in the table below:

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 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 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.
IRCTC BoB Rupay Credit Card
  • Up to 40 Reward Points on every spend of Rs. 100 on railway tickets through IRCTC.
  • 4 RPs on every Rs. 100 spent on groceries and departmental stores.
  • 2 RPs on every other spend of Rs. 100.
Bank of Baroda Prime credit Card
  • 4 Reward Points on every Rs. 100 you spend.
HPCL BoB ENERGIE Credit Card
  • 24 Reward Points on every spend of Rs. 150 on fuel purchases at HPCL pumps.
  • 4 RPs on every Rs. 150 spent on groceries and departmental stores.
  • 2 RPs on every other spend of Rs. 150.
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.

Rewards Redemption

The Reward Points earned by you using your Bank of Baroda credit cards can be redeemed 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 at a value of 1 Reward Point = Rs. 0.25.

BoB Credit Cards Eligibility Criteria

Every card issuer has some specific eligibility requirements that need to be fulfilled by the applicants in order to get a credit card. The eligibility criteria required to be fulfilled for BoB Financial Credit Cards depend on different factors including age, income, credit score, etc. Following are the basic requirements that you will have to fulfill:

  • The age of the applicant should be between 21 years and 65 years in the case of Eterna Credit Card and 18 years to 65 years for all other cards.
  • The applicant should have a stable source of income.
  • The applicant should have a decent credit score.

You can get more detailed information about BoB Credit Cards eligibility criteria on this page.

Documents Required

You will also need to upload/submit a few documents like identity proof, address proof, etc while applying for the BoB Credit Cards. A list of all the necessary documents is given in the table below:

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).

Annual Fee

Different Credit Cards issued by BoB Financial come with different annual fees, which is one of the most important factors considered by the applicants when choosing the right credit card for themselves. The higher the annual fee of a card is, the better features and benefits it offers. The following table will make you understand the annual charges of the best BoB Credit Cards:

Credit Card Annual Fee Joining Fee Waiver condition* Renewal Fee Waiver condition**
Bank of Baroda ETERNA Credit Card Rs. 2,499 Rs. 25,000 Rs. 2,50,000
Bank of Baroda Select Credit Card Nil NA NA
Bank of Baroda Premier Credit Card Nil NA NA
IRCTC BoB Rupay Credit Card Rs. 500 (joining fee),
Rs. 350 (annual fee)
NA NA
Bank of Baroda Prime credit Card Nil NA NA
HPCL BoB ENERGIE Credit Card Rs. 499 NA Rs. 50,000
Bank of Baroda Easy Credit Card Nil NA NA

*spends within 60 days
**spend within an anniversary year.

Other Fees & Charges

Other than the annual fee, the following are some of the most important fees and charges that are associated with 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?

You can apply for Bank of Baroda credit cards by visiting your nearest BoB branch or via the BoB Financial official website as follows:

  • Go to https://www.bobfinancial.com/.
  • Select the credit card you want to apply for.
  • Click on the option ‘Apply Now.’
  • 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.

Track Application Status

To track your credit card 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.

For more ways to track your BoB Credit Card application status, click here.

How To Activate BoB Credit Card?

After receiving your new Credit Card from BoB Financial, your first step would be to get it activated. There are several online as well as offline methods to activate your credit card, of which some of the easiest ones are as follows:

  •  You can get your credit card activated via internet banking. Just log in to your net banking account and find an option for activation/PIN generation from the menu.
  • Another way to activate your credit card is to do it via 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 contact your credit card customer care and ask them to help you activate your credit card.

BoB Credit Cards Login / Netbanking

Nowadays, everyone wants to get their banking-related tasks done from the comfort of their home and this is why most of the banks and card issuers have started providing internet banking facilities. You can also avail of great services by registering 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.’

Click here for detailed steps to log in to your BoB internet banking account.

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

Moreover, you can also avail of the BoB 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).

Quick Links

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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