Bank of Baroda Credit Card Eligibility Criteria & Document Requirements

Bank of Baroda offers credit cards with each of them having different minimum age and income requirements. The top 3 cards offered by Bank of Baroda are Easy, Select, and Premier. However, other than this, there are many more exclusive credit cards offered by the bank. Getting a credit card is not as easy as it seems to be. You need to fulfill certain eligibility requirements, which may depend upon various factors including age, income, credit score, of the individual, etc. In this article, you would find the eligibility requirements of Bank of Baroda Credit Cards.

Eligibility criteria for Bank of Baroda credit cards

The standard eligibility criteria followed by the Bank of Baroda is as follows:

• The individual must be between the age of 18-65 years.
• The income requirement varies from card to card.
• The individual must be salaried or self-employed.

Documents required to apply for a Bank of Baroda Credit Card

While applying for a credit card you need to certain documents with yourself. Hereunder is a list of documents:

Credit Cards offered by Bank of Baroda

Bank of Baroda offers a wide range of credit cards across different categories. The following are the minimum age and income requirements that the applicants need to fulfill in order to get approved for BoB Credit Cards:

Factor affecting your Bank of Baroda Credit Card:

Debt to Income Ratio: The factor which can badly affect your credit card eligibility is the bad debt to income ratio. Credit card issuer does not issue credit cards to those who already are in possession of unsecured debt and low-income level thereby indicating low repaying strength.
Age: The applicant is required to meet the age requirement when applying for a Bank of Baroda Credit Card. Not fulfilling this eligibility requirement can stand your application being rejected.
Income: Income determines your purchasing and repaying power. Not satisfying the minimum income requirement can affect your Bank of Baroda Credit Card eligibility.
Credit Score: Credit Card issuers scrutinize your application before issuing a credit card. Having a bad credit score or no credit history at all can affect the eligibility requirement for the Bank of Baroda Credit Card.