By Bharti Bisht
Updated On October 20, 2022

Bob Financial, in partnership with CreditAI, offers the Bank of Baroda Unnati Credit Card which is exclusively for the farmers of the country. It is a lifetime-free card and aims to fulfill the credit requirements of farmers with minimum charges. With a decent reward rate and other basic features, the Unnati Credit Card has a very low-interest rate, allowing the farmers to avail of its credit facilities with minimum additional charges. However, it doesn’t allow cash withdrawals, foreign transactions, or fuel purchases, but it totally fulfills the requirements of its targeted customers, i.e. farmers. For more detailed information about the BoB Unnati Credit Card, its features, fees & charges, etc, keep reading the article:



Best Suited For

Shopping |

Joining Fee


Reward Type

Reward Points |

Product Details

  • Lifetime free credit card.
  • Exclusively for Indian farmers.
  • 1 Reward Point on every spend of Rs. 100.
  • A reduced interest rate of 1.5% per month only.
  • Reward Points are redeemable against cashback.
  • 1% fuel surcharge waiver on all fuel spends.

Rewards and Benefits

Welcome Benefits


Movie & Dining


Rewards Rate

1 Reward Point on every spend of Rs. 100

Reward Redemption

The Reward Points earned using this card can be redeemed against cashback at a rate of 1 Reward Point = Re. 0.25.





Domestic Lounge Access


International Lounge Access


Insurance Benefits


Zero Liability Protection

The cardholders will not be liable for any fraudulent transactions made against a lost/stolen card if the loss is reported to the bank in a timely manner.

Fees & Charges

Joining Fee


Renewal Fee


Spend based Waiver


Rewards Redemption Fee


Rewards Redemption Fee


Foreign Currency Markup

NA (card can not be used for foreign transactions)

Interest Rates

1.5% per month, i.e. 18% per annum

Fuel Surcharge

The card can not be used for fuel purchases

Cash Advance Charge

NA (the card can not be used for cash withdrawals)

Add-on Card Fee


BoB Unnati Credit Card Features and Benefits

The co-branded Unnati Credit Card is exclusively for farmers and comes with decent benefits for them. All the features and benefits of this card as mentioned below:

Reward Rates

  • The cardholders get 1 Reward Point on every spend of Rs. 100.
  • The number of Reward Points that can be earned per statement cycle is capped at 800 Reward Points.

Reward Redemption

  • The Reward Points can be redeemed against the card’s outstanding balance.
  • 1 Reward Point = Re. 0.25.

Low-Interest Rate

To help all the farmers out there, the Unnati Card by BoB comes with a reduced interest rate of 1.5% per month only. It is lower than most of the other credit cards in the Indian market.

BoB Unnati Credit Card Fees and Charges

Some of the important fees and charges associated with the Bank of Baroda Unnati Credit Card are as follows:

  • There is no joining/annual fee associated with the BoB Unnati Credit Card, i.e. it is a lifetime free credit card.
  • The interest rate on this credit card is 1.5% per month or 18% per annum.
  • There are no forex markup charges or cash advance fees associated with the BoB Unnati Credit Card as the card doesn’t allow cash withdrawals/foreign transactions.

BoB Unnati Credit Card Eligibility Criteria

The eligibility requirements for the Bank of Baroda Unnati Credit Card are mentioned below:

  • The applicant must be a farmer.
  • The age of the applicant should be a minimum of 18 years.
  • The applicant must be an Indian resident.

Documents Required

The documents required to apply for the Bank of Baroda Unnati Credit Card are listed below:

  • Identity proof: Aadhar Card, PAN Card, Passport, Driving License, Ration Card, etc.
  • Address Proof: latest utility bills, Aadhar Card, or any other valid current address proof.
  • Income Proof: Latest bank statements/salary slips, or latest audited ITR.

How To Apply For The BoB Unnati Credit Card?

If you are eligible for the Bank of Baroda Unnati Credit Card, you can apply for it online as well as offline at your convenience. To apply online, simply visit the official website of BoB Financial. Search for the BoB Unnati Credit Card and click on the ‘Apply Now’ option under that. Make sure to fill in all the required details carefully and submit your form after reviewing it.

You can also apply for the Unnati Credit Card offline by visiting your nearest BoB branch. Make sure to carry all the necessary documents along with you and fill out the physical application form carefully at the branch. Once you get approved, you will be notified and the card will be sent to your registered address.

Bottom Line

The Unnati Credit Card by BoB is exclusively for farmers and is a great option for them. Though there are fewer features, but the cardholders don’t need to pay very high interest on their card’s outstanding amount as the card comes with a lower interest of 1.5% only, which is a great feature in itself. Moreover, the card is also offering a decent reward rate, so you are going to save with every single purchase you make using it. If all these benefits seem to suit your requirements, you should definitely go for the BoB Unnati Credit Card without any further doubts in your mind. If you have any additional doubts regarding this, you can freely ask us in the comment section below!


Yes, the Bank of Baroda Credit Card is lifetime free, i.e, it doesn’t charge any annual membership fee.

BoB Unnati Credit Card doesn’t support fuel transactions as it is solely targeted at farmers.

The monetary value of 1 Reward Point earned with the BoB Unnati Credit Card is Re. 0.25.

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