Fees
Joining Fee
Renewal Fee
Best Suited For
Shopping |
Reward Type
Reward Points
Owned by the Bank of Baroda, BoB Financial is a non-banking financial services organization that focuses mainly on the credit card business. Established in 1994, the bank very soon became a popular card issuer in the country. Being governed by a major bank in India, it offers a number of exclusive credit cards in different categories, including shopping, travel, dining, lifestyle, and many more. Also, keeping the requirements of different segments of individuals in mind, the card issuer has added premium as well as basic credit cards in its portfolio so that everyone can get a card as per their needs. You can even link your Bank of Baroda Credit Cards to UPI and make easy payments.
According to RBI reports, BoB Financial currently has over 23 lakh active credit card customers (as of January 2024) in the country. The card issuing company is solely aimed at providing its customers with the best services. All the Bank of Baroda (BoB) credit cards come with great privileges and will surely benefit the ones who make the right choice for their needs. With this article, you will find detailed information about all the credit cards offered by BoB Financial and all other card-related services provided by the company.
Being a well-known credit card issuer in India, BoB Financial offers many credit cards in diverse categories like travel, rewards, and many more. People who want to have a BoB Credit Card might find it challenging to go through all the features and benefits of every other credit card. To assist them with the same, we are here with a list of the best BoB Credit Cards along with their features and benefits in detail:
Shopping |
Reward Points
Travel |
Reward Points
Shopping |
Reward Points
Fuel | Shopping |
Reward Points
Shopping | Food |
Reward Points
Shopping |
Reward Points
Travel | Dining |
Reward Points
Shopping |
Reward Points
Shopping |
Reward Points
Shopping |
Reward Points
Shopping |
Reward Points
Travel | Shopping |
Reward Points
Shopping |
Reward Points
Travel | Shopping |
Reward Points
Travel | Shopping |
Reward Points
Shopping |
Reward Points
Travel |
Reward Points
Travel | Shopping |
Reward Points
Like all other major card issuers present in the country, BoB Financial also offers a lot of exciting features and benefits with its credit cards. Different cards may have different benefits, but the following are the general advantages that you will get to see with most of the cards offered by BoB:
Welcome Benefits – Welcome benefits are provided to the cardholders upon successful realisation of the card membership fee. These benefits can be offered in the form of bonus reward points, vouchers, premium memberships of partner brands, accelerated cashback, and much more.
Rewards/Cashback – Every time the cardholders make a transaction using their BoB Credit card, they are rewarded with reward points or cashback. Some cards also offer accelerated cashback or points on transactions made in special categories and a lesser reward rate on other category spends. The reward points earned can be redeemed against a wide number of options available to the cardholder.
Milestone Benefits – BoB Financial credit cardholders can enjoy the milestone benefits associated with the credit card on achieving the target spends, which are pre-defined by the card issuer. Bonus reward points or cashback, gift vouchers, and many other benefits are offered as milestone benefits.
Travel Benefits – Some of the cards issued by BoB Financial also offer great travel privileges, like complimentary access to airport lounges, discounted travel-related bookings, and many more.
Movie & Dining Benefits – For the entertainment needs of cardholders, BoB offers many benefits with its cards, including complimentary/discounted movie tickets, great discounts on dining bills, etc.
Other Benefits – Apart from the benefits mentioned above, BoB credit cards offer many other benefits, including a fuel surcharge waiver, waiver of the annual fee (based on spending), and much more.
BoB Financial, the card-issuing company under the Bank of Baroda, issues 10 credit cards, including co-branded and general credit cards. Out of all BoB Cards, the following are some of the most popular ones:
The Bank of Baroda ETERNA Credit Card comes with the aim of 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 Points for spends on travel, dining, and international transactions. Some of the best features of this card are:
The Bank of Baroda Select Credit Card is another card issued by BoB Financial, which comes with exciting Reward offers and several other benefits. It earns you Reward points for 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 Premier Credit Card offers exclusive Reward Programs & benefits over several categories. For every transaction of Rs. 100 done with this card, you get 2 reward points, and you can earn extra Reward Points by spending on dining, travel & international purchases. Following are the features of the BoB Premier Credit Card:
IRCTC BoB RuPay Credit Card is also a new card that was launched by BoB Financial in partnership with IRCTC. The card has a joining fee of Rs. 500 & an annual fee of Rs. 350. The card offers a very good reward rate on railway ticket bookings via IRCTC. Other than this, the IRCTC BoB Rupay Card has several other advantages as follows:
The Bank of Baroda Prime Credit Card is a secured credit card, i.e., you can have it with 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 every spends and 5x RPs on spending on some selected categories. Following are some of the benefits of having the BoB Prime Credit Card:
The HPCL BoB ENERGIE Credit Card is a newly launched credit card by BoB Financial in partnership with Hindustan Petroleum Corporation Limited (HPCL). The card is targeted at those who spend very often on fuel and want to save on their spends. With a nominal fee of Rs. 499, the Energie Credit Card offers a lot of exclusive benefits across various categories. The following are some of the great benefits:
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 BoB Swavlamban Credit Card is a basic card that comes with a zero annual fee and provides customers with several decent benefits across different categories. One of the most significant features of this card is that you can use up to 105% of your credit limit. Some of the most significant features of this card are given below in detail:
The Varunah Credit Card by BoB, which is exclusively for Indian Navy Personnel, is issued in three variants, including Vrunah, Varunah Plus, and Varunah Premium. All three variants come with different fees and features. The Varunah Card is lifetime free, whereas the other two come with nominal annual fees. The features of this card are given below:
As suggested by the name, the Indian Army BoB Yoddha Credit Card is exclusively for Indian Army personnel. It comes with a zero annual fee and is aimed at providing the targeted customers with the best experiences across different categories. Some of its key features are as follows:
The BoB ICAI Exclusive Credit Card is a lifetime free card that is exclusively for active members of ICAI. From rewards to travel and many other categories, this card provides you with several exciting benefits that are hardly expected from a zero annual fee card. Some of its key advantages are as follows:
The BoB ConQR Credit Card is a business card issued by the Bank of Baroda, which comes with a zero annual fee and various great benefits. With a reward rate of up to 5 Reward Points on every spend of Rs. 100, you get lots of benefits with this card, including discounts on travel bookings, insurance benefits, and many more. Some of its key features are given below:
The BoB Corporate Credit Card is another great business card issued by BoB Financial. It is also a lifetime free card. However, the eligibility criteria for this card are quite strict compared to the ConQr Card. From a decent reward rate to travel benefits and various other privileges, this card has several great advantages. Some of its key features are as follows:
All the credit cards offered by BoB Financial come with exciting reward rates. Some cards may offer your reward points; others offer cash back or miles on all your spends. Most of the BoB Credit Cards offer reward points to their customers. Different cards can have different reward rates, and the number of reward points can also vary according to categories. Cards with a lower annual fee will generally offer a lower reward rate compared to cards with a high annual fee. The reward rate of some of the best BoB Credit Cards is provided in the following table:
Credit Card | Reward Points |
Bank of Baroda ETERNA Credit Card |
|
Bank of Baroda Select Credit Card |
|
Bank of Baroda Premier Credit Card |
|
IRCTC BoB Rupay Credit Card |
|
Bank of Baroda Prime credit Card |
|
HPCL BoB ENERGIE Credit Card |
|
Bank of Baroda Easy Credit Card |
|
BoB Swavlamban Credit Card |
|
BoB Varunah Credit Card |
|
BoB Indian Army Yoddha Credit Card |
|
BoB ICAI Exclusive Credit Card |
|
BoB ConQR Credit Card |
|
BoB Corporate Credit Card |
|
The Reward Points earned by you using your Bank of Baroda credit cards are redeemable at the BoB Rewards app against an array of categories like travel, movie, dining, hotel bookings, recharge, etc. The Reward Points can also be redeemed against cashback where 1 Reward Point = Rs. 0.25.
Each and every credit card institution follows certain eligibility criteria that must be fulfilled by the applicants when applying for a credit card. The criteria required to be fulfilled for BoB Financial Credit Cards depend on different factors, including income, age, credit score, etc. The following are the basic requirements that one needs to take care of:
Apart from this, the user-specific cards may have different criteria that you can check on the individual card pages shown above.
Certain documents like identity proof, address proof, etc, are also required to be uploaded or submitted while applying for the BoB Credit Cards. A list of all the essential documents is given in this table:
Different Credit Cards issued by BoB Financial come with different annual fees, which is no doubt one of the crucial factors considered by the applicants when picking a suitable credit card for themselves. The higher the annual fee of a card, the better the features and benefits it offers. The table below will give you an idea about the annual charges of the best credit cards offered by BoB:
Credit Card | Annual Fee |
Bank of Baroda ETERNA Credit Card | Rs. 2,499 (waived on spending Rs. 2,50,000 in the previous year) |
Bank of Baroda Select Credit Card | Nil |
Bank of Baroda Premier Credit Card | Nil |
IRCTC BoB Rupay Credit Card | Rs. 500 (joining fee),
Rs. 350 (annual fee) |
Bank of Baroda Prime credit Card | Nil |
HPCL BoB ENERGIE Credit Card | Rs. 499 |
Bank of Baroda Easy Credit Card | Nil |
BoB Swavlamban Credit Card | Nil |
BoB Varunah Credit Card | Nil (for Varunah Card),
Rs. 1,499 (for Varunah Plus Card) Rs. 2,499 (for Varunah Premium Card) |
BoB Indian Army Yoddha Credit Card | Nil |
BoB ICAI Exclusive Credit Card | Nil |
BoB ConQR Credit Card | Nil |
BoB Corporate Credit Card | Nil |
Apart from the annual charges, there are many other important charges (or fees) applicable on the BoB Credit Cards and should be checked by everyone before applying for a card:
Interest Charges | 3.25% per month for all BoB Credit Cards. |
Cash Advance Fee | 2.5% of the withdrawn amount or Rs. 500 (whichever is higher) |
Forex Markup Fee | 2% for the Eterna Card and 3.5% for all other cards. |
The applicants who wish to apply for BoB Cards can do so with the credit card comparison platform – CardInsider. On our website, you can compare the features of different cards and apply for the one most suited for you.
After receiving your new Credit Card from BoB Financial, your first step would be to get it activated. There are online as well as offline ways to activate your credit card, some of the easiest ones being as follows:
Nowadays, everyone wants to get their banking-related tasks done from the convenience of their home. This is why most of banks and card issuers have started providing Internet banking facilities. You can also avail of great services by registering your BoB Credit Card for net banking. Following are a few steps to do the same:
Step 1: Visit the net banking page of BoB Financial.
Step 2: Click on the Sign-Up option.
Step 3: Enter all the required details, including your credit card number, expiry date, and other required details, and click on ‘Proceed.’
BoB Financial Services Limited values its customers and hence offers them 24*7 help & support. You can contact 1800-103-1006 or 1800-225-100 for the following services: