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Federal BankBoB Financial issues the Bank of Baroda Premier Credit Card and aims to provide various benefits at zero charges. This card comes with a joining and annual fee of Rs. 1,000. Up to 10 accelerated reward points can be earned for every ₹100 you spend on dining, international transactions, and travel. All other spends shall get 2 reward points/₹100 spent. These points can be redeemed against an array of options, including cash credit. Moreover, you also get complimentary visits to selected airport lounges in India every calendar quarter.
Other card benefits include fuel surcharge waiver, personal accident insurance, etc. You can also link your Bank of Baroda RuPay Premier Credit Card to the UPI application you use, whether it is Google Pay, PhonePe, etc. To know more about the Bank of Baroda Premier credit card, go through the complete article:
Bank of Baroda Premier Credit Card
Fees
Joining Fee
Renewal Fee
Best Suited For
Travel | Dining |
Reward Type
Reward Points
Welcome Benefits
Movie & Dining
NA
Rewards Rate
For every Rs. 100 spent on dining, travel, and international transactions, you will get 10 Reward Points, 2 Reward Points on all other spends.
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.
Travel
N/A
Golf
NA
Domestic Lounge Access
1 Complimentary Domestic Airport Lounge Access Every Quarter
International Lounge Access
NA
Insurance Benefits
You get a personal accidental death cover with this credit card
Zero Liability Protection
Protection against fraudulent transactions in case of loss or theft of the card, if informed to the bank within the specified time frame.
Spend Based Waiver
Fee waiver on spends of Rs. 1,20,000 in a year
Rewards Redemption Fee
Nil
Rewards Redemption Fee
Nil
Foreign Currency Markup
3.5% on the transaction amount
Interest Rates
3.25% per month (39% per annum)
Fuel Surcharge
1% waiver on fuel transactions between Rs. 400 and Rs. 5,000.
Cash Advance Charges
2.5% of the amount withdrawn subject to a minimum charge of Rs. 300.
Add-on Card Fee
Nil
- 2 reward points on every Rs 100 spent on all categories.
- 5x reward points while spending categories such as dining, travel, and international transactions.
- Complimentary Domestic Lounge Access at selected airports.
- Insurance benefits covering personal accident death cover.
- 1% fuel surcharge waiver on fuel transactions at all fuel stations across India.
Bank of Baroda Premier Credit Card Rewards
- You get 10 reward points for every ₹100 spent on travel, dining, and foreign spends
- You get 2 reward points on every ₹100 spent on all categories
- You would also get 1 reward point for specific MCC categories.
- The 5X reward points are capped at 2,000 reward points per month on travel, dining, and foreign spends
- No reward points get accrued on any fuel transactions
Reward Redemption
- The reward points can be redeemed against various categories, including flight/hotel bookings, shopping, products, gift vouchers, etc.
- 1 Reward Point = ₹0.25
Bank of Baroda Premier Credit Card Features
The Premier Credit Card offered by Bank of Baroda is a basic card that comes with a decent reward rate and is among the popular cards offered on the RuPay platform. The detailed features and benefits of this card are given below:
Travel Benefits
You get 1 complimentary domestic lounge access every quarter at select airports using a Bank of Baroda Premier credit card.
Fuel Surcharge Waiver
- The cardholders will get a 1% fuel surcharge waiver on fuel transactions at all fuel stations across India. The waiver is applicable on transactions ranging between ₹400 to ₹5,000.
- The fuel surcharge waiver is capped at ₹250 per month.
Other Benefits
- You get a 24×7 concierge service benefit with this credit card
- You get insurance benefits covering personal accident death cover along with zero liability coverage in case of loss or theft of a card.
- You can get up to 3 free add-on cards on this credit card.
Bank of Baroda Premier Credit Card Fees and Charges
- The card charges an interest rate of 3.25% per month or 39% per annum
- The card charges a forex markup fee of 3.5% of the transaction amount
- The card has a cash withdrawal fee of 2.5% of the amount or ₹300, whichever is higher
- The card does not charge any fee for add-on credit cards.
Bank of Baroda Premier Credit Card Eligibility Criteria
Listed below are the eligibility criteria that need to be fulfilled before you apply for a BoB Premier Credit Card :
- Age – < 21 years.
- The applicant must either be a salaried or self-employed individual with a stable source of income and a decent credit score.
- The applicant should either be salaried or self-employed, i.e., they should have a stable source of income.
- The applicant should have a decent credit score.
How to Apply for a BoB Premier Credit Card?
We can apply for this credit card both online and offline.
Online Mode:
- Click on ‘Apply Now’
- Fill in the required details and provide the necessary documents
- Hit the Submit button once all the formalities are done
Offline Mode:
To apply through offline mode, the applicant will have to visit the nearest bank branch, fill in the credit card application form, and provide the necessary details and documents.
Conclusion
This BoB Premier card is a great travel card offered by BoB Financial that comes with several benefits and privileges in the travel category. The 5X reward points on travel, dining, and international spending are some of the key features of this credit card. These accelerated reward points, along with the complimentary airport lounge access, make this card most suitable for frequent travelers. With a decent reward rate and travel benefits. it has become a great choice for those who frequently travel within the country.
What do you think about this credit card? Do let us know in the comments.
