By Bharti Bisht
Updated On October 6, 2021

The Bank of Baroda Select Credit Card is aimed at providing its customers with exciting Reward offers. The card comes with a joining fee of Rs. 750 only, which can be waived off on a minimum spend of Rs. 7,500 within the first 60 days after receiving the card. With this card, you get 1 Reward Points on every Rs. 100 you spend and you get 5 Reward Points on every Rs. 100 you spend on dining, online transactions, or utility bill payments. Moreover, the nominal renewal fee of Rs. 750 can also be waived off if you spend Rs. 70,000 or more in an anniversary year.

So, you can make your Bank of Baroda Select Credit Card absolutely free on the basis of your spends. The card has several key features, including the fuel surcharge waiver that can help you save a lot on your fuel purchases. To know more about the card, its advantages, and Fees & charges, refer to the detailed information given below:

Best Suited For

Shopping |

Joining Fee

Rs. 750

Reward Type

Reward Points |

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.

Rewards and Benefits

Welcome Benefits

NA

Movie & Dining

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.

Reward Redemption

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

Travel

NA

Golf

NA

Domestic Lounge Access

NA

International Lounge Access

NA

Insurance Benefits

An accidental death cover is provided.

Zero Liability Protection

You will not be liable for any fraudulent transactions made on your card if the loss is reported to the bank in a timely manner.

Fees & Charges

Joining Fee

Rs. 750

Renewal Fee

Rs. 750

Spend based Waiver

The joining fee is waived off on spending Rs. 7,500 or more within the first 60 days and the renewal fee is waived off on spending Rs. 70,000 or more in the previous year.

Rewards Redemption Fee

Nil

Rewards Redemption Fee

Nil

Foreign Currency Markup

3.5% for all foreign currency transactions

Interest Rates

3.25% per month

Fuel Surcharge

1% fuel surcharge is waived off for all transactions between Rs. 400 & Rs. 5,000.

Cash Advance Charge

2.5% of the amount withdrawn or Rs. 300 (whichever is higher)

Add-on Card Fee

Nil

Bank of Baroda Select Credit Card Rewards:

  • You get 1 Reward Point on every Rs. 100 you spend.
  • You get 5x Reward Points for every Rs. 100 you spend on Utility bills, dining, or online transactions.
  • The 5x Reward Points are capped at a maximum benefit of 1000 Reward Points in a month.
  • Fuel transactions are not eligible for Reward Points.

Reward Redemption

  • The Reward Points you earn can be redeemed against cash or several different options as per your choice.
  • 1 Reward Point = Rs. 0.25.

Insurance Benefits

You get an accidental death insurance cover through your Bank of Baroda Select Credit Card.

Joining and Renewal Fee Waiver

  • The joining fee is waived off on a minimum spend of Rs. 7,500 within the first 60 days after receiving your Bank of Baroda Select Credit Card.
  • The renewal fee is waived off on a minimum spend of Rs. 70,000 in an anniversary year.

Fuel Surcharge Waiver

  • 1% fuel surcharge is waived off across all fuel stations for all transactions between Rs. 400 & Rs. 5,000.
  • The maximum benefit through fuel surcharge waiver is capped at Rs. 250 per month for the Bank of Baroda Select Credit Card.

 How To Apply?

You can apply online easily for a Bank of Baroda Select Credit Card by following a few simple steps as mentioned below:

  • Go to https://www.bobfinancial.com/.
  • Choose the Bank of Baroda Select Credit Card.
  • You will be redirected to an application form, which you need to fill in carefully.
  • You should have the following documents.
  1. Image/photocopy of your PAN card.
  2. Image/photocopy of your address proof.
  3. Image/photocopy of your income proof.
  4. Soft copy of your image.
  • Complete all the required formalities.

Conclusion

The Bank of Baroda Select Credit Card allows you to save on all your spends through its exclusive Reward offers. Apart from regular rewards, you get extra rewards on dining, utility bill payments, or online transactions. Moreover, the joining & renewal fee waiver on the card gives it a big plus as these waivers allow you to make the card lifetime free. So, if you are among the people who are going to start their credit journey or who are looking for a card to help them save on all their spends, you can choose the Bank of Baroda Select Credit Card without any doubt.

FAQs:

Yes, you can get your joining fee waived off by spending Rs. 7,500 or more within the first 60 days after receiving your Bank of Baroda Select Credit Card.

The cash advance charges on the Bank of Baroda Select Credit Card are 2.5% of the amount withdrawn subject to a minimum of Rs. 300.

No, the Bank of Baroda Select Credit Card doesn’t provide any airport lounge access.

If your Bank of Baroda Select Credit Card is stolen, report it to the bank at the earliest. Once you report your loss to the bank, you will not be liable for any fraudulent transactions made on your card.

Comments

Subscribe
Notify of
guest
0 Comments
Inline Feedbacks
View all comments

Add cards to start comparing

Compare Cards