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.
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The Bank of Baroda issues 9 credit cards, of which some popular cards are as mentioned below:
6-month FitPass Pro membership worth Rs. 15,000 and 10,000 bonus reward points.
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.
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 points redeemable as cashback or against flight tickets, hotel reservations, shopping, etc at a rate of 1 RP = Re. 0.25.
Rs. 2,499 + GST
See additional details for Bank of Baroda Eterna Credit Card
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.
The earned reward points can be redeemed against cash or various other options.
See additional details for Bank of Baroda Select Credit Card
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
Travel | Dining |
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.
Rs 1,000 plus applicable taxes
See additional details for Bank of Baroda Premier Credit Card
See additional details for Bank of Baroda Prime Credit Card
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.
Accumulated reward points can be redeemed against cashback and other exciting options. 1 reward point is equivalent to Re. 0.25.
See additional details for Bank of Baroda Easy 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:
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:
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:
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:
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:
|Credit Card||Reward Points|
|Bank of Baroda ETERNA Credit Card||
|Bank of Baroda Premier Credit Card||
|Bank of Baroda Select Credit Card||
|Bank of Baroda Easy Credit Card||
|Bank of Baroda Prime credit Card||
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.
|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|
|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)|
|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|
|Identity Proof||Address Proof||Income proof|
You can apply for Bank of Baroda credit cards either by visiting the nearest branch or by the online method as follows:
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.
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:
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:
(where XXXX are the last 4 digits of your credit card number).
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.