Nikhil, a 29-year-old deputy manager at a private company, has had a savings bank account with the Bank of Baroda since his college days. Due to insufficient funds, he is unable to purchase his desired products and has also never visited any tourist places.

A bank staff member explains Bank of Baroda’s credit cards, easing his hesitation by matching options to his budget.

His expenditure is below ₹ 2,00,000
Available Balance: ₹ 80,000

So Nikhil decides to take a credit card from the Bank of Baroda.

This blog enumerates the Bank of Baroda credit and its various types.

What is a Bank of Baroda Credit Card?

The bank staff informs Nikhil that a Bank of Baroda credit card is a smart financial tool allowing delayed payments. Curious yet cautious, Nikhil asks about joining fees, interest rates, and features to ensure affordability.

The staff personnel enlists the different types of credit cards from the Bank of Baroda, which are budget-friendly and match the financial needs of Nikhil.

Read More – Bank of Baroda Premier Credit Card

Example: The Easy Credit Card from Bank of Baroda has joining fees of ₹ 500. It is a reasonable amount for Nikhil to opt for this credit card.

Mandatory Documents for Credit Card Application

The following preferential documents ought to be furnished for the application of Bank of Baroda’s Credit Card by Nikhil:

ID Proof

Aadhaar Card

Voter ID

Driving License

PAN Card (mandatory)

Passport

Person of Indian Origin

NRGEA Job Card

Note: PAN card is mandatory for income tax verification.

Address Proof

Utility bill

Gas bill

Bank passbook

Other government-approved address proofs.

Note: Both the bills of utility and gas must not be older than three months.

Income Proof

Latest Form 16.

Last three months’ salary slip.

Last three months’ bank statement.

Note: The bank has the right to examine the reliability of income.

Eligibility Criteria

Nikhil can meet the following criteria, set by the bank:

Minimum Age	21 years
Maximum Age	65 years
Nationality	Indian
Residential Status	Resident Indian and Non-Resident Indian
Nature of Job	Salaried and self-employed
Income Criteria	Depending on the nature of the credit card, the income criteria can change
CIBIL Score	750 and above are expected.

Note: The bank can check the CIBIL Score. However, the applicants must ensure the proper details related to their income source.

Types of Credit Cards from Bank of Baroda

Nikhil gets navigated to the following lists of credit card types from the Bank of Baroda. He is astonished to find its robust competence with other banks, in terms of the credit cards’ benefits and features.

1. BOBCARD Easy Credit Card

This is the most popular credit card from Bank of Baroda, which suits everyone’s financial budget and expenditures. Despite having low fees, this card incorporates many offers and discounts.

Features	Benefits
Welcome Bonus	Eligible for 500 reward points for spending ₹ 5,000 and above. Eligibility for annual fee waiver if the spending exceeds ₹ 6,000 within 60 days or the overall spending of ₹ 35,000 in a year.
Travel	1% fuel surcharge waiver for fuel transactions between ₹ 400 and ₹ 5,000 at all fuel pumps in India.
Reward Points	5x reward points at selected merchants. 1 reward point for every ₹ 100.
Additional Benefits	Zero liability for fraudulent transactions. Conversion of purchases into EMI. Contactless payment for up to ₹ 5,000.

Example: Nihil spends ₹ 5,000 after activating the credit card to get 500 reward points.

Fees and Other Charges

Fee Type	Charges
Joining Fees	₹ 500
Annual Fees	₹ 500
Annual Percentage Rate	41.88%

2. BOBCARD ICSI Diamond Credit Card

This credit card is exclusively for those who prioritise shopping and travel. It is also a lifetime free credit card, with minimal charges and various benefits.

Features

Benefits

Rewards

A welcome bonus of 5000 rewards within the activation of 60 days.

Eligibility for 3999 rewards points per quarter.

5 reward points for spending ₹ 100 on dining, utility, and online purchases.

Travel

Eligibility for 12 complimentary domestic airport lounge access at selected airports in India.

1% fuel surcharge waiver for fuel transactions between ₹ 400 and ₹ 5,000 at all fuel pumps in India.

Insurance

Eligibility for insurance coverage up to ₹ 5 lakhs.

Air accident death coverage of ₹ 15 lakhs.

Accident death coverage of ₹ 5 lakhs.

Additional Benefits

Eligible for converting purchases exceeding ₹ 2,500 into EMIs.

Availability of 3 lifetime add-on cards for family members.

Free of interest charges up to 50 days.

Example: If he purchases a good for ₹ 3,000, then he can convert it into EMIs.

Fees and Other Charges

Fee Type	Charges
Joining Fees	Free
Annual Fees	Free
Annual Percentage Rate	41.88%

3. Snapdeal BOBCARD Credit Card

This is a co-branded credit card designed exclusively for the shoppers who prefer Snapdeal as their e-commerce platform. This card incorporates many exciting offers and discounts to make all the purchases memorable like never before.

Features	Benefits
Snapdeal Offers	Eligible for a 5% reward rate for purchases on this platform
Fuel Offer	1% discount on fuel transactions between ₹ 400 and ₹ 5,000.
Additional Benefits	Eligible for 2.5% cashback or 10 reward points for every ₹ 100 purchase at selected sellers. Accumulation of reward points is automatically credited to the account. Availability of converting ₹ 2,500 purchases into EMIs.

Example: If Nikhil makes a fuel transaction of ₹ 1,000, he will get a 1% (₹ 10) discount.

Fees and Other Charges

Fee Type	Charges
Joining Fees	₹ 249
Annual Fees	₹ 249
Annual Percentage Rate	41.88%

4. HPCL BOBCARD ENERGIE Credit Card

With the joining fees of ₹ 499, this credit card is suitable for frequent travellers and shoppers. There are many special discounts and interesting offers, which make this card a good financial companion for its cardholders. The co-branding with Hindustan Petroleum Company Limited offers discounts for fuel at its outlets.

Features	Benefits
Rewards	10 reward points for spending ₹ 150 on groceries, department stores, and cinemas. 2 reward points for spending ₹ 150 on other categories.
Entertainment	25 % discount on a purchase of two movie tickets via Paytm Movies.
Anniversary Special	Waiver of ₹ 499 for spending ₹ 50,000 on every anniversary.
Additional Benefits	Conversion of ₹ 2,500 and above transactions into EMI. 50-day interest-free window period.
Travel	1% discount on fuel surcharges on transactions between ₹ 400 and ₹ 5,000, only at HPCL. One complimentary lounge access for one financial quarter.

Example: If Nikhil purchases two tickets via Paytm Movies for ₹ 500, he will get a 25% discount, making him pay ₹ 375.

Fees and Other Charges

Fee Type	Charges
Joining Fees	₹ 499
Annual Fees	₹ 499
Annual Percentage Rate	41.88%

5. BOBCARD Premier Credit Card

This is a premium credit card which suits suitable for spending on travel and lifestyle.

Features

Benefits

Fee Waiver

Eligible for a fee waiver after spending ₹ 10,000 within two months of card activation.

An annual fee waiver is available after spending ₹ 1,20,000 within a year.

Travel

One free airport lounge visit for every financial quarter in a year.

1% discount on fuel surcharges on transactions between ₹ 400 and ₹ 5,000

No Liability

There are no charges for fraudulent transactions.

Rewards

5x reward points for restaurant bills, travelling services, and international transactions.

2 reward points for every ₹ 100 purchase in other categories.

1 additional reward point on the selected Mastercard network.

Additional Benefits

Conversion of amounts greater than ₹ 2,499 into EMI transactions.

Interest-free period for 50 days.

3 lifetime free add-ons.

Example: If someone uses his credit card for a transaction of ₹ 80,000, Nikhil is not required to take accountability, after reporting it to the bank. It means the bank will not charge him.

Fees and Other Charges

Fee Type	Charges
Joining Fees	₹ 1,000
Annual Fees	₹ 1,000
Annual Percentage Rate	39%

Final Call

These different credit cards from Bank of Baroda suit all the salaried professionals who want to minimise their budget, both in shopping expenditure, as well as in joining fees. There are many hidden offers and special discounts on these credit cards, which make all the purchases interesting and efficient.

Also Read - BOB Eterna Credit Card

FAQs

1. Does BOBCARD ICSI Diamond Credit Card have any joining fee?

No, there is no joining fee for this credit card.

2. What is the joining fee for the BOBCARD Easy Credit Card?

For this credit card, the joining fee is ₹ 500.

3. What is the annual percentage rate for BOBCARD Premier Credit Card?

As of now, the annual percentage rate is 39%.

4. Can I furnish the NRGEA Job Card as an ID Proof for the credit card application?

Yes, you can furnish the NRGEA Job Card as an ID Proof.

5. What is the maximum age for applying for Bank of Baroda’s Credit card?

The maximum age limit is 65 years.

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