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Bank of Baroda

Bank of Baroda
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The Bank of Baroda during 1998, introduced the first Indian Credit card for international use, in association with VISA which was already accepted by over ten million establishments in more than 60 countries.?In 2002, the Bank of Baroda’s wholly-owned subsidiary, BOBCARDS Ltd in collaboration with MasterCard International, unveiled PARAS credit cards. In the same year, BOB CARDS and Cholamandalam Investment and Finance Company declared a tie-up to issue co-branded credit cards to Cholamandalam's vehicle finance customers.?During 2003, the bank entered into tie-up with Bharat Overseas Bank Ltd (BOBL) to expand its credit card business in South India.

List of Bank of Baroda Credit Cards

Bank of Baroda

The Bank of Baroda is an Indian state-owned International bank.

It is headquartered in Vadodara, Gujarat. Its corporate head office is located in Mumbai.

The bank was founded by Maharaja of Baroda, Maharaja Sayajirao Gaekwad III on July 20, 1908, in the Princely State of Baroda, Gujarat. The bank along with other 13 major commercial banks was nationalized on July 19, 1969, by the Government of India and it has been designated as a profit-making public sector undertaking (PSU).

The Bank of Baroda has total assets in excess of Rs 3.58 trillion, a chain of branches spread across 5538 branches in India and 10441 ATMs as of July 2017.

In its journey so far, since 1908, around 10 banks have been merged with Bank of Baroda.

Features of Bank of Baroda’s Credit Cards

The following are the features of Bank of Baroda’s Credit Cards

? Validity – Bank of Baroda’s Credit Card can be used in any part of the globe and it has acceptance across all the ATMs throughout the world.

? Loyalty Points – Bank of Baroda provides loyalty points for every purchase using its selected range of Credit Cards.

? Cash Withdrawal Limit – Some of the credit cards offered by Bank of Baroda grants a cash withdrawal limit of up to 30 percent on the credit limit to the individuals.

? Revolving Credit Facility – The credit cardholder of Bank of Baroda will be entitled to receive revolving credit facility. He/she can pay a minimum amount due and the remaining balance amount of spends can be paid as per the convenience of the credit cardholder.

Benefits of Bank of Baroda’s Credit Cards

The following are the benefits of Bank of Baroda’s Credit Cards

? Easy EMI Option – The Bank of Baroda provides the credit cardholders an option to convert the purchase of an item into a loan, allowing the cardholder to repay the debt in small installments every month. It will attract an interest on the principal amount. It makes the purchase easier for the buyer when the purchase price is huge. It provides an option to covert the purchase of goods with a minimum of Rs 2,500 and more than that on the credit card into easy EMIs of 6 or 12 months.

? Multiple Redemption Options - Cardholder can redeem the reward points in the form of cashback and other appealing options.

? Zero Fuel Surcharge – Bank of Baroda provides zero fuel surcharge facility for the credit cardholders. 1% of fuel surcharge amount will be waived for all the transactions ranging between Rs 400 to Rs 5,000 at all the fuel stations in the country.

? Free Add-on Cards – Bank of Baroda provides free add-on cards to its customers. One can get up to 3-lifetime free add-on cards for spouse, parents, siblings or kids who are above 18 years of age.

? In-built Insurance Cover – Bank of Baroda provides free personal accidental death cover to ensure financial protection for the family. This facility comes in as an added advantage for the credit card holder as well as their family members.

? Zero Liability On Lost Card – The cardholder of Bank of Baroda has to report about the loss of card immediately to the bank to ensure zero liability to avoid any kind of fraudulent transactions involving the lost credit card.

Apply for Bank of Baroda Credit Card?

An applicant can apply for Bank of Baroda’s Credit Card through by visiting the nearest branch of Bank of Baroda or can apply through online by visiting the bank’s web portal at https://www.bankofbaroda.com/.

Applicants can also apply for the bank's credit card by sending an SMS ‘Apply < your city>’ to 9223990624.

How to apply for Bank of Baroda’s Credit Card through Offline?

Applicants can directly walk into the nearest branch of the Bank of Baroda and express the desire to obtain a credit card from the bank.

The bank executive will explain you about the features of all the credit cards after understanding the annual income, needs, and requirements of the prospective customer.

Once the applicant zeroes in the card as per the requirement, he/she will be asked to fill in the application form and enclose the required documents which include PAN card, identity proof, address proof, income proof and so on.

The bank representative will thoroughly go through the application form along with the other submitted documents provided by the applicant and will take a final call whether the applicant meets the eligibility criteria for the credit card for which they have applied for. Once the check is done the applicant will be provided with the desired credit card.

It will be at the discretion of the Bank of Baroda to decide if a customer has to be given Credit Card or not.

How to apply for Bank of Baroda’s Credit Card through Online?

Applicants have to first visit the bank's website and click on the Cards section at the top of the page and select the Credit Cards option of the bank to view the various types of credit cards offered by the bank. Moving on the page will lead to a new web portal where the different cards provided by the bank along with the features and benefits offered by the cards will be shown. The prospective customer has to go through the details of each and every card and select a credit card as per the personal requirements.

Upon the selection of the card, now click on the “Apply Now” option which appears at the end of the page.

Proceeding Further, it will ask Looking for a Card under which three options will be available Choose Card, Enjoy Benefits and Apply. Select ‘Apply’ option. It will take you to the Application Form in a PDF Format.

The page asks you to give information about yourself, fill in all the details correctly as per the requirements. The list of information includes:

? Full Name

? First Name

? Middle Name

? Last Name

? Mother’s Maiden Name

? Father’s Name

? Date of Birth

? Gender

? Nationality

? Marital Status

? Aadhaar No

? PAN No

? Educational Qualifications

? Residential Address

? Telephone Number

? Mobile Number

? e-mail Address

? Occupation Details

? Bank Details

? Add-on Cards

? Nomination for Primary Applicant

? Photography of the applicant

Once the above-mentioned details are filled in, review it once again and submit the same through online. The status of the application can be tracked in the bank’s official web portal.

Once the details are filled in, the bank will decide whether the candidate is eligible to avail the credit card for which they have applied for. Based on the eligibility of the customer, they may or may not receive the credit card, it will be on the discretion of the Bank of Baroda to decide if a customer has to be given Credit Card or not.??

Eligibility Criteria to apply for Bank of Baroda’s Credit Card

? Applicants age should be between 18 years and 65 years.

Individual applicants income should be more than Rs 3,00,000 per annum and above

Applicants income in case of Company / Firm the paid up capital should be Rs 25,00,000 per annum and above

? Applicant should be either employed or self-employed.

? An existing customer of the Bank will be preferred over a new one.

? Applicant should be a resident of India or Non- Resident Indian.

? Applicant should have a good CIBIL score.

Documents Required To get Bank of Baroda’s Credit Card

? Identity Proof – Copy of Passport / PAN Card / Aadhaar Card / Driving License/ Election Voters ID Card

? Income Proof – Latest Income Tax Return Form/ Form 16/ Salary Slip (only in case of government / PSU sector employees)

? Address Proof – Copy of Passport/ Electricity Bill/ Bank Passbook of PSU Bank / Fixed Line Bill / Aadhaar Card

? PAN Card copy

? A color photograph

? Last three months bank statement

What is INSTA PAY?

Bank of Baroda has introduced Insta-Pay application for the convenience of paying credit card bills instantly through net banking facility.

There is no need to log into the Bank of Baroda’s official web portal to pay the bills, instead, one can directly log in to the Insta-Pay and enter the credit card number as given in the Bank of Baroda’s credit card and make payments online without facing any hassles.

The payment will reflect in the respective credit card account within two working days of the transaction.

What should a cardholder of Bank of Baroda do if his/her card is lost or damaged?

The cardholder should immediately inform the nearest branch office of Bank of Baroda. The bank upon receiving the request from the cardholder will immediately freeze payments on your current card and a new card will be delivered within a period of 7 days.

You can also contact the bank at their 24 hours customer care number at 1800-225-100.

The cardholder has to report the loss of card to the nearest police station and inform the bank in writing along with a copy of FIR duly acknowledged by Police.

In case, the card is damaged or if it is not working on the card acceptance terminal, you are requested to return the same to the Bank of Baroda on any of the address provided in the bank’s official website. The damaged card will be replaced with a new one and the same will be sent to your residential address.

Bank of Baroda Credit Card Login

Through Bank of Baroda Net Banking services, Login with your Net Banking Id, Password and explore a world of convenience just with a few taps. Applicants can use unique benefits like high security for safe online banking, view the details for all your accounts, online password regeneration & unlock user-id instantly. Get all updates and offers on your credit card which is specially designed for you. Access all the features and get minimum interest rates on your credit card with flexible repayment option. No matter where you are, with your Bank of Baroda NetBanking Id and Password you can explore the world of benefits and offers anytime anywhere. Scroll down and get to know about the features and benefits of Bank of Baroda Credit Card Login and how to use it.

Features

  • View and update your profile details like mobile number, email id, Aadhar Card number and more
  • Now make your travel more friendly and book your flight, bus and hotels through online service.?
  • Get unique transaction services like Request for a chequebook, Payment gateway registration, Re-generate debit card PIN, Activate/Deactivate Debit Card, Activate/Deactivate Debit Card for International Usage, Link Accounts
  • Recharge for your mobile and DTH
  • Transfer funds online between your third party accounts with Axis Bank, or any other bank account via NEFT, RTGS or IMPS
  • Pay your credit card dues and utility bills
  • Make RD or FD and get premature withdrawal online.
  • View your account activity, available balance and transaction details
  • Apply for New Debit Card, Upgrade your existing Debit Card, Apply for Image Debit Card, Apply For Priority Pass, Apply for Card Protection Plan
  • View securities available for Demat Accounts
  • Download digitally signed statements for all your transactions

How to Register

For the new user who wants to explore Net Banking services provided by Bank of Baroda, scroll down and go through the step by step tutorial to make your registration complete.

  • Go to the official site of Bank of Baroda financial
  • Click on Sign-Up, which is located on the right side of the page.
  • Enter your card details such as Card Number, Expiry Date and Date of Birth
  • Below that enter the Captcha Code and agree to the Terms and Conditions
  • Review your all entered details and click on Continue.
  • Now an OTP will be generated, enter the OTP on the required box to continue.
  • Create your User Id and set a Password,
  • After the successful registration, you will get a successful message on your registered mobile number and email id.
  • Now login with your new User Id and Password to explore the Net Banking service of Bank of Baroda

How to Login

  • Go to the official site of Bank of Baroda financial
  • Click on Login, which is located on the right side of the page.
  • Enter your Username and Captcha Code
  • Now click on Enter to start exploring the net banking services.

Benefits of Net Banking services for Credit Card

  • Net banking services let you pay your credit card dues instantly. No need to visit the bank
  • Through net banking services, you can view your credit card bill online
  • The net banking services provided by Bank of Baroda is free of cost and no hidden or additional charges to be paid.
  • Get 24x7 customer support for all your credit card related issues.

Bank of Baroda Credit Card Pin Generate?

To avail the unique benefits like high security for safe online banking, view the details for all your accounts, online password regeneration & unlock user-id instantly, applicants are required to generate PIN for the Net Banking and ATM facility provided Bank of Baroda. Below given steps are for online PIN Generation. Go through all the steps to make your process complete

  • Visit the site https://www.bobfinancial.com/
  • Click on Login, located on the right bar of the page
  • Enter your Net Banking Id and Password, hit on Enter
  • Now will be redirected to a new page
  • Click on service request & select ATM PIN reset option
  • Select and submit your credit card number
  • Now you will receive an OTP on your registered mobile number
  • Enter the OTP, on the required section
  • Set your PIN and submit your New PIN for your Bank of Baroda Credit Card
  • On the next page, you can see the congratulation message

Note

  • To generate your Bank of Baroda Credit Card PIN, your mobile number must be registered with the Bank. Please contact your Bank of Baroda branch for registering mobile number if not registered already.
  • In case, you are not able to generate Credit Card PIN, please contact the branch or call contact Center helpline 1800 225 100 for requesting physical PIN mailer.

Bank of Baroda Credit Card Pin Change

By giving focus to the green initiative and better customer service Bank of Baroda has introduced better customer service initiative by which you can generate PIN or change PIN by online medium or by visiting the nearest Bank of Baroda ATM.

Online Process to change BOB Credit Card PIN

  • Visit bobfinancial website and click on "Login"
  • Now enter your login details and captcha code at the required section
  • After successful login click on service request and select "ATM PIN" reset option
  • Now enter your credit card number to generate OTP
  • Now you will receive an OTP on your registered mobile number?
  • Enter the OTP and submit new PIN for your Bank of Baroda Credit Card
  • Now you will get a congratulation message on the screen as well as on your registered mobile number and email id.

Offline Process to change BOB Credit Card PIN

  • Visit your nearest Bank of Baroda ATM and insert your card to start the process
  • Now tap on “Set/ Re- Generate PIN” option on the screen.
  • On the next screen you will be asked to enter credentials and activation pass code/ OTP received on your registered mobile number.
  • Now enter your desired PIN on the screen, once it is set you will get the congratulation message on the screen and also on your registered mobile number

Bank of Baroda Credit Card Status

Once an applicant has applied for Bank of Baroda credit card, he/she can track the status of their credit card via online and offline mode. After filling all the details on the bank's website applicant can avail an application id, through which the status of the credit card can be tracked. Below mentioned are the methods for online and offline process. Scroll down and go through all the process

Via Online

  • Visit the Bank of Baroda site
  • Click on Credit Card, which is located on the top bar of the page
  • Click on Track Application, which is located on the bottom of the page
  • Enter your Application Number and click on Get Details
  • On the next page, you can see the status of your credit card

Via Offline

  • For those who are not familiar with the online process can go through the offline method to track Bank of Baroda Credit Card Status.
  • Applicants can send an email, mentioning the credit card query and the Application Reference Number to ccb@bobfinancial.com
  • Apart from this, applicant can also go to the nearest Bank of Baroda branch, with the Application Id. Meet the credit card representative or any bank employee provide your Application Id and track the status of your credit card.

Bank of Baroda Credit Card Statement

The bank sends out credit card statements every month to help its credit cardholders better to track their expenditures. Credit Cardholders can get the statement via email or via post on their registered address. The bank's credit card statement is detailed and includes all of the relevant payment-related information to help the cardholder to track their spending habits. A credit card statement is a summary of one billing cycle of all debit and credit transactions made by the credit cardholder.

What are the benefits of Bank of Baroda Credit Card Statement?

  • You can get all the details of fees and charges applied on your credit card during the billing cycle
  • You can get the BOB Credit card statement without any hidden charges
  • Get the BOB Credit Card statement on your registered email and download it instantly
  • Get all the credit card details like Billing Date/End date of your credit card, Interest Free Credit Period of your credit card,
  • Due Date and Total outstanding amount, Minimum Due amount, Finance Charges and your credit card transaction details.

Additional information that you may get in Bank of Baroda Credit Card Statement

  • Available credit and cash limit on your credit card
  • Get details of late charges, interest rate and other charges
  • Get details of the past dues of your credit card,if any
  • Get details of available reward points of your credit card

Online Process to download Bank of Baroda Credit Card Statement

  • Visit the Bank of Baroda credit card website and click on “Login”
  • Enter your Username, Captcha Code and click on “Enter”
  • Now click on “Card Statement” which is located on the left bar of the page
  • Now you will see the list of statement as per the month
  • Click on the pdf icon, under the download box
  • Now you will the statement in pdf format, click on the download icon to complete the process

Offline Process to get Bank of Baroda Credit Card Statement

Apart from the online process you can also get the BOB Credit Card statement via offline process. Call on the below given number for the same:

1800 103 1006/1800 225 100 (24*7) (Toll-Free from MTNL/BSNL Lines)

Or else you can also send an email to crm@bobfinancial.com for the same

Bank of Baroda Credit Card Payment

Bank of Baroda provides numerous way to pay your credit card bills. Applicants can choose any method for hassle-free and convenient payment option. Below are the step by step tutorial for both the methods.

Bank of Baroda Credit Card Payment Online Methods

Via Insta Pay

  • Visit to the Bank of Baroda site
  • Under the Make Payment section, click on Insta Pay
  • Enter your credit card number and captcha code
  • Once the cardholder's name is verified enter the amount, email id and mobile number
  • Choose the bank to initiate the payment
  • Follow all the netbanking process to complete the payment process
  • Once the process is completed you will get a successful message on your registered mobile number
  • The payment will reflect in your credit card account within 2 business days

Through Self Service Portal

  • Visit to the Bank of Baroda site
  • Under the Make Payment section, click on Self Service Portal
  • Enter your Username, Captcha Code and click on Enter
  • On the next page enter your password and click on Login
  • Follow all the netbanking process to complete the payment process
  • Once the process is completed you will get a successful message on your registered mobile number
  • The payment will reflect in your credit card account within 2 business days

Through ePay with Razorpay

  • Visit to the Bank of Baroda site
  • Under the Make Payment section, click on ePay with Razorpay
  • Go through all the details for your credit card bill payment

Payments through Billdesk

  • Login with your Username and Password
  • Go through all the process of billdesk
  • After completing all the process, you will get a successful message on your registered mobile number

Through NEFT

Applicants can make up to Rs 1,00,000 through NEFT. The following details are required to complete the process:

  • IFSC Code
  • Payee Account Number/ Beneficiary account - 16 digit credit card number
  • Account Number (From where the payment is being made)
  • Bank Name
  • Branch
  • Location
  • Transaction Type – NEFT
  • Amount to be paid

Through RTGS

An applicant can also go through the RTGS option. A maximum transaction can be done up to Rs 1,00,000 for paying credit card bill. For completing the process applicants have to mention IFSC Code of the bank BARB0COLABA and the 16-digit credit card number in the beneficiary account field.

Bank of Baroda Credit Card Payment Offline Methods

Below mentioned are the offline methods for Bank of Baroda credit card bill payment

Auto Debit Facility

Applicants can also avail auto-debit facility to make payments for their outstanding credit card bills. To activate this service customer has to deposit the filled Debit Form in the nearest Bank of Baroda branch.

Cash or Cheque Facility

Apart from these applicants can also visit the nearest branch to make the payment through cash or cheque. Customers are required to mention 16-digit credit card number in the deposit slip.

BOB Credit Card IFSC Code

Bank of Baroda IFSC Code is an alphanumeric 11-digit key used by NEFT to pay your credit card dues via online banking. Just add your card as a beneficiary and make your payment complete. BOB Credit Card IFSC Code is BARB0COLABA.?The first four characters BARB reflects the bank's name and the fifth character zero is kept aside for potential use. The last 6-digits usually signifies the division of the bank that supports the payment of credit card bills

How to know BOB Credit Card IFSC Code?

To know about BOB Credit Card IFSC Code, an applicant have to go through an online process. The code can be found online on various websites and the bank website itself. The credit cardholder can also directly communicate with the bank for the same. Using the correct IFSC Code is very essential in order to make your payment complete. The card will first have to be added as a beneficiary to receive payment from any bank account, in order to allow BOB Credit Card bill payment via NEFT. Beside account number, you can also use your 16-digit credit card number as your account name.?

Process to pay BOB credit card bill using IFSC Code

  • Go to the BOB Credit Card site
  • Click on Login, which is located on the right side of the page.
  • Enter your Username and Captcha Code
  • After that add your credit card as a beneficiary and provide the below information:
  • Beneficiary Name
  • Credit Card Number
  • BOB Credit Card IFSC Code BARB0COLABA
  • Amount to be transferred
  • Now that the card will be added in the beneficiary list within a few time

Bank of Baroda Credit Card Net Banking

Baroda Connect is the internet banking service of the Bank of Baroda which meets your banking needs 24 by 7 from the comfort of your home or workplace. This is the most open portal to your bank account where you can monitor your bank balance, FD status, handle several accounts while being able to digitally transfer funds, order the issuance of cheque books, liquidate online FDs, pay your utility bills, and other services.

Features and Benefits of Baroda Connect

  • Once you have signed in with the input of your user Id and password, you can access from one place all of your account-operating, fixed deposit, loan account. If you have several accounts with Bank of Baroda and if you have a specific customer Id for them, you can access all of them with a single login.
  • Now it's better than ever because you can easily access all your Bank of Baroda account summaries from a single log-in.
  • You can download and view account statements for all your accounts.
  • Apart from the account summaries, you can also generate your transaction history with a single login.
  • You can make online transfers to another account or an account with the same bank with the help of online fund transfer services such as RTGS (real-time gross settlement) or NEFT (National Electronic Funds Transfer).
  • Pay your direct and indirect tax from Bank of Baroda connect and get the transaction details instantly.
  • You don't have to go to the office of the electricity department or the gas provider to pay bills. With Bank of Baroda Net Banking facility, you can pay your utility bills via online. Only you have to do is visit the official site of BOB and go through the Utility payment option located on the homepage to initiate the payment.
  • Payments for school / institutional tuition for your children can also be made by internet banking of more than 125 schools & entities.
  • Book Flight and Train tickets via online banking and make your travel more comfortable.
  • Corporate customers may choose to create several initiators and transaction approvers workflows and submit queries via their branch base.
  • Corporate individuals also get an option to upload to render bulk payments, such as single debit to many credits or different debits to different credits or single and different debit transactions.
  • Customers can also open FD/RD account with a simple process and minimum documentation. Simply log in to Bank of Baroda net banking facility with your Id and Password, now click on "Invest tab" and go to the Online RD/FD option to initiate the process.

Bank of Baroda Credit Card App

M-Connect Plus is a self-service mobile app for all the Indians which allows you to take complete access to all your credit card information. Login with your Net Banking Id, Password and explore a world of convenience just with a few taps. No matter where you are just with your Bank of Baroda Id and Password you can explore the world of benefits and offers anytime anywhere. Scroll down and get to know the features and benefits of Bank of Baroda Credit Card App and how to use it.

Benefits of Bank of Baroda Credit Card App

  • View all your credit card transactions
  • Get e-statement for all your credit card transaction
  • Get access to purchase to EMI facility
  • Get access to upgrade your credit card limit
  • Get access to report your lost credit card
  • Get an option to block your card in case of any fraudulent activity
  • Get access for card replacement request
  • Change your credit card pin, anytime anywhere
  • Get all Bank of Baroda Credit Card offers in the app
  • Manage your all accounts at one place
  • Get access to request for a loan
  • Get access to check your passbook
  • Transfer your fund from one bank to another more conveniently
  • Get notified for your credit card dues
  • Get notified for all your transactions
  • Get access to pay all your bills
  • Get 24x7 customer support
  • Check your credit card status
  • Get all personalized alerts and reminders
  • Stay updated with your reward points balance
  • Personalize notifications for purchases, weekly balance, credit limit and more
  • Pay your Insurance, DTH Bills, Mobile Bills and Utility Bills
  • Check the status of your applied check.
  • Now make your travel more friendly and book your flight, bus and hotels through online.
  • Get 100% online security on your card
  • Add or manage beneficiary as per you want.
  • With enhanced security of Fingerprint Id make your transaction more convenient and hassle-free
  • Send and receive money through NEFT, IMPS and RTGS & UPI
  • Get an option of 360-degree account view
  • Get mini statement in graphical representation
  • Locate nearest Bank of Baroda branch and ATM
  • Get auto-linking of all accounts of the customer ID (Savings, Current, CC, OD, Loan, PPF accounts)
  • The app available in 13different languages (English, Hindi, Gujarati, Bengali, Punjabi, Odiya, Malayalam, Tamil, Telugu, Kannada, Marathi, Urdu, and Assamese)

Register and Download Bank of Baroda Credit Card App

  • Go to Playstore or App Store
  • Search for M-Connect Plus and tap on Install
  • Now select your mobile number which has registered with your bank account
  • Enter your mobile number and tap on Confirm
  • Tap on Register Now after that Tap on Proceed
  • Enter the OTP and tap on Confirm
  • Enter your credit card details and tap on Submit
  • On the next page, you will see the congratulation message, below that tap on Proceed
  • Now create your Password and tap on Confirm
  • Agree with the Terms and Conditions
  • Enter the mPin, which you received through SMS
  • Below that create your new mPin and tap on Confirm
  • Now enter your Password and click on Login

Bank of Baroda Credit Card EMI

Bank of Baroda gives you the comfort of Easy EMI (Easy Monthly Instalments). You can purchase a broad range of products and services with the Easy EMI options, and payback in convenient monthly installments. Scroll down and select from the following 3 Easy EMI options.

Post Purchase EMI

You can turn any retail purchase on your Bank of Baroda Credit Card into EMIs using the Post Purchase EMI method. Converting transactions toVVEMIs is very easy. Simply pick any Rs. 2500 and above transaction (except gold, jewelry, cash and fuel) and request conversion into 6 or 12 EMIs at a special interest rate of only 1.5 percent a month. Only be sure to request in the Credit Card statement before the payment is billed. For requesting Post Purchase EMI simply send an email to crm@bobfinancial.com, with details of the transaction you want to switch into EMI's and your tenure option (6 or 12 months). Through signing into your Bank of Baroda Credit Card account from the official website a processing fee of 2% of the transaction amount (subject to a minimum of Rs. 100) is charged by the bank.

Bank of Baroda Credit Card Charges

Below are the applicable charges for Bank of Baroda Credit Card

Joining Fees

  • Titanium Master Card- Rs 250 for the primary cardholder and free for add-on cardholder
  • Corporate Global Card- Rs 2000 for the primary cardholder and no fees is required for add-on cardholders
  • Platinum Master Card- Rs 1000 for the primary cardmember and free for add-on cardmember
  • Platinum Visa Card- Primary Cardholder (Rs 500), Add-on (Free)
  • Assure- Primary Member (Nil), Add-on (Free)
  • Signature- Primary Member (Rs 1000), Add-on member (Rs 1000)

Annual Charges

  • Titanium Master- Rs 500 (for primary cardholder) and free for add-on cardmember
  • Corporate Global- Rs 2000 for primary cardmember and NA for add-on cardmember
  • Platinum Master- Primary member (Rs 1000) and free for add-on cardholder
  • Platinum Visa- Rs 1000 for the primary cardholder and free for add-on cardholder
  • Assure- Rs 500 for the primary cardmember and free for add-on cardmember
  • Signature- Rs 1000 for both primary and add-on cardmember
  • Interest Free Credit Period- Up to 50 days
  • Minimum Repayment- 5% of the outstanding dues

Cash Withdrawal Fees

  • Withdrawal in domestic ATMs- 2.5%
  • Withdrawal in International ATMs- 3%
  • Withdrawal charges for Titanium Master- 2.5%
  • Withdrawal charges for other cards- 2.6%
  • Duplicate Bill- Rs 25 (per bill)
  • Surcharge on petrol- 2.5%
  • Cheque Return Fees- Rs 300 of the amount
  • GST- 18%
  • Exceeding credit card limit charges- 1%
  • Card Replacement Fees- Rs 100
  • Charge Slip Retrieval fees- Rs 250
  • Foreign Currency Transaction charges- 2.75% of the amount
  • Card De-Blocking fees- Rs 300

Late Payment Fees:

  • Up to Rs 500- Nil
  • Rs 501 to Rs 2500- Rs 300
  • Above Rs 25000- Rs 500

Bank of Baroda Credit Card Offers

Get attractive offers, amazing deals and discounts on your Bank of Baroda Credit Card

Local Offers

Freedom Tree

  • Pay using your Visa Rewards, Visa Signature and Visa Infinite card at Freedom Tree website or stores and get 15% off.
  • Coupon Code- FTVISA15
  • Offer is valid till- 30 September 2020

Club Mahindra

  • Use your Visa Rewards, Visa Signature or Visa Infinite card and get up to Rs 50,000 off on Club Mahindra Holidays membership plans
  • Offer is valid till- 30 September 2020
  • Offer is valid on- Visa Signature, Visa Infinite, Visa Signature Business, Visa Infinite Business

Pashma

  • Pay with your VISA Card and get up to 15% off at Pashma Stores and website
  • Coupon Code- PASHMA15
  • Offer is valid till- 30 September 2020
  • Offer is valid on- Visa Classic, Visa Gold, Visa Platinum, Visa Signature, Visa Infinite, Visa Electron, Visa UHNW, Visa Corporate, Visa Purchasing, Visa Business, Visa Platinum Business, Visa Signature Business, Visa Infinite Business

Joyalukkas

  • Spend a minimum of Rs 50,000 on Diamond Jewellery at Joyalukkas stores and get 20% off on Gold Making charges and Rs 3000 off
  • Offer valid period- 01 Oct 2019 - 30 Sep 2020
  • Offer is valid on- Visa Classic, Visa Gold, Visa Platinum, Visa Signature, Visa Infinite, Visa Electron, Visa UHNW, Visa Corporate, Visa Purchasing, Visa Business, Visa Platinum Business, Visa Signature Business, Visa Infinite Business

Pernia's Pop-Up Shop

  • Spend across Pernia's Pop-Up Shop website and get up to 15% on your purchase
  • Coupon Code- VISA15
  • Offer valid period- 25 Sep 2019 - 30 Sep 2020
  • Offer is valid on- Visa Classic, Visa Gold, Visa Platinum, Visa Signature, Visa Infinite, Visa Electron, Visa UHNW, Visa Corporate, Visa Purchasing, Visa Business, Visa Platinum Business, Visa Signature Business, Visa Infinite Business

Complimentary Airport Lounges Offer

  • Make your travel more premium as Bank of Baroda give access to experience complimentary Airport Lounge across India.
  • Enjoy the complimentary services like comfortable seats, free Wi-Fi, LCD TVs and more
  • Get other privileges like, choice of hot and cold snacks from buffet - Tea / coffee - Unlimited non-alcoholic drinks and more.
  • Offer is valid on- Visa Signature, Visa Infinite, Visa Corporate
  • Offer is valid till- 30 Sep 2020

Overseas Offers

Complimentary Desert and More Offer

  • Experience complimentary dessert and more with Visa Credit Card at Primo 1 Italian restaurant, Shanghai.
  • Get extraordinary privileges like greetings from the Head Chef/Restaurant Manager (upon availability), Guarantee of the best table, Priority reservation, - Complimentary dessert
  • Offer is valid on- Visa Platinum, Visa Signature, Visa Infinite
  • Offer is valid till- 31 Dec 2020

4 Exclusive Privileges Offer

  • Get any 4 Exclusive Privileges at Yosegi, Hakone’s restaurant, Japan
  • Get extraordinary privileges like Complimentary Welcome Drinks / Appetisers, Greetings from the Head Chef (Subject to availability), Best view seating (subject to availability), Priority booking (subject to availability)
  • Offer is valid on- Visa Platinum, Visa Signature, Visa Infinite
  • Offer is valid till- 31 Dec 2020

Moo Moo The Wine Bar + Grill Offer

  • Get Complimentary welcome drink and more with Visa at Moo Moo The Wine Bar + Grill, Australia
  • Get premium privileges such as Complimentary welcome drink, Greetings from the Chef or Restaurant Manager (upon availability), Priority reservation (upon availability)
  • Offer is valid on- Visa Platinum, Visa Signature, Visa Infinite, Visa Platinum Business, Visa Signature Business, Visa Infinite Business
  • Offer is valid till- 31 Dec 2020

Alchemy Restaurant and Bar Offer

  • Avail complimentary house special aperitif and more with Visa at Alchemy Restaurant and Bar, Australia
  • Enjoy unique privileges like Complimentary house special aperitif, Greetings from the Head Chef (upon availability), Get best table (upon availability)
  • Offer is valid on- Visa Platinum, Visa Signature, Visa Infinite, Visa Platinum Business, Visa Signature Business, Visa Infinite Business
  • Offer is valid till- 31 Dec 2020

85 Miskin Street Offer

  • Get a Complimentary appetiser with Visa at 85 Miskin Street, Australia
  • Offer is valid on- Visa Platinum, Visa Signature, Visa Infinite, Visa Platinum Business, Visa Signature Business, Visa Infinite Business
  • Offer is valid till- 31 Dec 2020

Offers at Hugo's KL

  • Buy 1 main course, get 2nd main course free when you tap to pay with your Visa card.
  • Offer is valid till- 31 December 2020
  • Offer is valid on- Visa Classic, Visa Gold, Visa Platinum, Visa Signature, Visa Infinite, Visa Electron, Visa UHNW, Visa Corporate, Visa Purchasing, Visa Business, Visa Platinum Business, Visa Signature Business, Visa Infinite Business

Bella Marie France

  • Get Venus Freeze Face Therapy at RM180 (worth RM545) when you tap to pay with your Visa card at Bella Marie France
  • Offer is valid till- 31 December 2020
  • Offer is valid on- Visa Classic, Visa Gold, Visa Platinum, Visa Signature, Visa Infinite, Visa Electron, Visa UHNW, Visa Corporate, Visa Purchasing, Visa Business, Visa Platinum Business, Visa Signature Business, Visa Infinite Business

Carven Ong Couture

  • Get 10% off on Ready to Wear, Customized Evening & Bridal Gowns when you tap to pay with your Visa card at Carven Ong Couture
  • Offer is valid till- 31 December 2020
  • Offer is valid on- Visa Classic, Visa Gold, Visa Platinum, Visa Signature, Visa Infinite, Visa Electron, Visa UHNW, Visa Corporate, Visa Purchasing, Visa Business, Visa Platinum Business, Visa Signature Business, Visa Infinite Business

Langkawi Yacht Club Hotel

  • Get 10% off on hotel room rates and 20% off in Artisan Alley and 20% off in Black Pearl Spa when you tap to pay with your Visa card at Langkawi Yacht Club Hotel
  • Offer is valid till- 31 December 2020
  • Offer is valid on- Visa Classic, Visa Gold, Visa Platinum, Visa Signature, Visa Infinite, Visa Electron, Visa UHNW, Visa Corporate, Visa Purchasing, Visa Business, Visa Platinum Business, Visa Signature Business, Visa Infinite Business

Artisan Alley

  • Get 20% off when you tap to pay with your Visa card at Artisan Alley
  • Offer is valid till- 31 December 2020
  • Offer is valid on- Visa Classic, Visa Gold, Visa Platinum, Visa Signature, Visa Infinite, Visa Electron, Visa UHNW, Visa Corporate, Visa Purchasing, Visa Business, Visa Platinum Business, Visa Signature Business, Visa Infinite Business

Black Pearl Reflexology & Spa

  • Get 20% off when you tap to pay with your Visa card at Black Pearl Reflexology & Spa
  • Offer is valid till- 31 December 2020
  • Offer is valid on- Visa Classic, Visa Gold, Visa Platinum, Visa Signature, Visa Infinite, Visa Electron, Visa UHNW, Visa Corporate, Visa Purchasing, Visa Business, Visa Platinum Business, Visa Signature Business, Visa Infinite Business

Ramada Suites Kuala Lumpur City Centre (KLCC)

  • Get up to 10% off on booking of any room type
  • Offer is valid on- Visa Classic, Visa Gold, Visa Platinum, Visa Signature, Visa Infinite, Visa Electron, Visa UHNW, Visa Corporate, Visa Purchasing, Visa Business, Visa Platinum Business, Visa Signature
  • Offer is valid till- 31 Dec 2020

We the People

  • Spent RM1,000 and get RM100 off
  • Offer is valid on- Visa Classic, Visa Gold, Visa Platinum, Visa Signature, Visa Infinite, Visa Electron, Visa UHNW, Visa Corporate, Visa Purchasing, Visa Business, Visa Platinum Business, Visa Signature Business, Visa Infinite Business
  • Offer is valid till- 31 Dec 2020

The Bicester Village Shopping Collection

  • Get a VIP Card for an additional 10% saving on the Village price of purchases at any of the nine Villages in Europe.
  • Get 15% off tickets for the Shopping Express coach service, Shopping Packages and the Chauffeur Service.
  • Offer is valid on- Visa Platinum, Visa Signature, Visa Infinite, Visa Platinum Business, Visa Signature Business, Visa Infinite Business
  • Offer is valid till- 31 Dec 2020

Tomei Offer

  • Buy gold and jewellery from Tomei and get 25% off
  • Offer is valid till- 31 May 2020
  • Offer is valid on- Visa Classic, Visa Gold, Visa Platinum, Visa Signature, Visa Infinite

Online Offer

Kindle Offer

  • Get 6 months subscriptions on Kindle
  • Get 25% off and get unlimited Kindle subscriptions worth of Rs 750 for 6 months
  • Also get 3 months subscriptions on Kindle
  • Get 75% off and get unlimited Kindle subscriptions worth of Rs 129 for 3 months
  • Offer is valid till- 12th December 2020
  • Offer is valid on- Visa Platinum, Visa Signature, Visa Infinite, Visa Corporate, Visa Purchasing, Visa Business, Visa Platinum Business, Visa Signature Business, Visa Infinite Business

Bigrock Offer

  • With your VISA commercial card get 16% off on Web Builder bundles and up to 21% off Web Hosting bundles on BigRock
  • Offer is valid till- 31st May 2020
  • Offer is valid on- Visa Corporate, Visa Purchasing, Visa Business, Visa Platinum Business, Visa Signature Business, Visa Infinite Business

Airtel Business Offer

  • With your VISA commercial card get up to 36% off on Airtel Internet Leased Line
  • Also get first month free on Airtel Unified Conferencing worth Rs.1499
  • With your VISA commercial card get Rs. 200 off on your Airtel Broadband monthly bill of Rs. 1099 and above for the first 12 months and get Rs.50 off on your Airtel Broadband monthly bill less than Rs. 1099 for the first 12 months along with additional 1000 GB bonus data,
  • With your VISA commercial card get Rs. 75 off on a standard Airtel Corporate Postpaid market plan of Rs.399.
  • Offer is valid till- 14th May 2020
  • Offer is valid on- Visa Corporate, Visa Purchasing, Visa Business, Visa Platinum Business, Visa Signature Business, Visa Infinite Business

VISA Offer

  • Get 25% discount on Health Membership plans availed by Indian Passport holders.
  • Offer is valid on- Visa Classic, Visa Gold, Visa Platinum, Visa Signature, Visa Infinite
  • Offer is valid till- 31 December 2021

VISA Offer

  • Get flat 40% off and additional 10% Edureka cashback on all certification courses on Edureka
  • Offer is valid on a minimum cart value of Rs 5000
  • Offer is valid on- Visa Classic, Visa Gold, Visa Platinum, Visa Signature, Visa Infinite
  • Offer is valid till- 30th April 2020

DHL Offer

  • Book your travel and get 40% off on International bookings at DHL eStore with your Visa commercial card.
  • Offer is valid on- Visa Corporate, Visa Purchasing, Visa Business, Visa Platinum Business, Visa Signature Business, Visa Infinite Business
  • Offer is valid till- 31 December 2020

VISA BookMyShow Offer

  • Book two movie tickets and get 50% discount up to Rs 300 on movies and up to INR 200 off on food combos with Visa Signature cards.
  • Offer is valid on- Visa Signature, Visa Signature Business
  • Offer is valid till- 30 Sep 2020

Jaipur Rugs

  • Get 15% off up to a maximum discount of Rs.25,000 on Jaipur Rugs stores and website with your Visa Rewards, Visa Signature and Visa Infinite card.
  • Coupon Code- JRVISA15
  • Offer is valid on Visa Signature, Visa Infinite, Visa Signature Business, Visa Infinite Business
  • Offer is valid till- 30 September 2020

Pipa Bella Offer

  • Get Rs. 500 off on a minimum spend of Rs. 2500, only with your Visa Rewards, Visa Signature and Visa Infinite card.
  • Coupon Code- VISA500
  • Offer is valid on Visa Signature, Visa Infinite, Visa Signature Business, Visa Infinite Business
  • Offer is valid till- 30 September 2020

Tilfi Banaras

  • Get Rs. 2500 off on a minimum spend of Rs. 20,000 on Tilfi Banaras website with your Visa Rewards, Visa Signature and Visa Infinite card.
  • Coupon Code- TILFIXVISA
  • Offer is valid on Visa Signature, Visa Infinite, Visa Signature Business, Visa Infinite Business
  • Offer is valid till- 30 September 2020

Eina Ahluwalia Offer

  • Get flat 15% off across Eina Ahluwalia website with your Visa Rewards, Visa Signature and Visa Infinite card.
  • Offer is valid on Visa Signature, Visa Infinite, Visa Signature Business, Visa Infinite Business
  • Coupon Code- VISAEINA15
  • Offer is valid on Visa Signature, Visa Infinite, Visa Signature Business, Visa Infinite Business
  • Offer is valid till- 30 September 2020

Andamen

  • Get 25% off on Andamen website
  • Offer is valid on Visa Signature, Visa Infinite, Visa Signature Business, Visa Infinite Business
  • Offer is valid till 30 September 2020

Zoomin

  • Order the product of your choice and save 33% on all orders at Zoomin website and mobile app
  • Offer is valid on Visa Classic, Visa Gold, Visa Platinum, Visa Signature, Visa Infinite
  • Get a 5.5 photobook for free and Rs 299 off on all Photobook
  • Offer is valid till 31 July 2020

McDonald's

  • Get 2 medium fries or 2 large coke or 1 Medium Soft Serve Hot Fudge Choco/Strawberry free on a minimum of Rs 275
  • Use Code- VISA275
  • Offer is valid on Visa Classic, Visa Gold, Visa Platinum, Visa Signature, Visa Infinite, Visa Electron, Visa UHNW, Visa Corporate, Visa Purchasing, Visa Business, Visa Platinum Business, Visa Signature Business, Visa Infinite Business
  • Offer is valid till 31 December 2020

McDonald's Offer

  • Spend a minimum of Rs 199 and get regular fries free on your order
  • Offer is valid on Visa Classic, Visa Gold, Visa Platinum, Visa Signature, Visa Infinite, Visa Electron, Visa UHNW, Visa Corporate, Visa Purchasing, Visa Business, Visa Platinum Business, Visa Signature Business, Visa Infinite Business
  • Apply the coupon code- VISA399
  • Offer is valid till- 31 December 2020

Eazy Diner Prime

  • Get free 2 months of Eazy Diner Prime membership and Eazy Diner Prime annual membership plan for Rs.2,944 all inclusive (original price Rs.3,375) with complimentary 2 months free
  • Offer is valid on Visa Classic, Visa Gold, Visa Platinum, Visa Signature, Visa Infinite, Visa Electron, Visa UHNW, Visa Corporate, Visa Purchasing, Visa Business, Visa Platinum Business, Visa Signature Business, Visa Infinite Business.
  • Offer is valid till 30 September 2020

PC Chandra Jewellers Offer

  • Get 20% off on making charges of Gold Jewellery and 5% off on Diamond Jewellery value.
  • Use Coupon Code- PCVISA.
  • Offer is valid on Visa Classic, Visa Gold, Visa Platinum, Visa Signature, Visa Infinite, Visa Electron, Visa UHNW, Visa Corporate, Visa Purchasing, Visa Business, Visa Platinum Business, Visa Signature Business, Visa Infinite Business
  • Offer is valid till 31 Dec 2020

Medica Superspeciality Hospital

  • Get 10% off on Out-patient investigations, In-patient investigations and Standard Health Check-up packages at Medica Superspeciality Hospital
  • Offer is valid on Visa Classic, Visa Gold, Visa Platinum, Visa Signature, Visa Infinite, Visa Electron, Visa UHNW, Visa Corporate, Visa Purchasing, Visa Business, Visa Platinum Business, Visa Signature Business, Visa Infinite Business
  • Offer is valid till 31 Dec 2020

Medanta - The Medicity

For International Patients

  • Get 2.5% discount for International Patients on the overall billing
  • Get complimentary to & fro pick up from the airport to Medant, only valid for international patients, on prior intimation

Domestic Patients

  • Get 10% Discount on Out-patient (OPD) Billings
  • Get 10% discount on In-patient (IPD) Billings
  • Get 10% discount on the prevailing rate on Health Checkup packages
  • Get 10% discount on Laboratory & Radiology Investigations.

Offer is valid on Visa Classic, Visa Gold, Visa Platinum, Visa Signature, Visa Infinite, Visa Electron, Visa UHNW, Visa Corporate, Visa Purchasing, Visa Business, Visa Platinum Business, Visa Signature Business, Visa Infinite Business

Offer is valid till 31 Dec 2020

Apollo Gleneagles Hospitals

  • Get 10% off on Private room and Deluxe room at Apollo Gleneagles Hospitals
  • Get 10% off on Apollo Primary Health Checkup, Apollo Executive Health Checkup and Apollo Whole body Checkup at Apollo Gleneagles Hospitals.
  • Offer is valid on Visa Classic, Visa Gold, Visa Platinum, Visa Signature, Visa Infinite, Visa Electron, Visa UHNW, Visa Corporate, Visa Purchasing, Visa Business, Visa Platinum Business, Visa Signature Business, Visa Infinite Business.
  • Offer is valid till 31 Dec 2020

Bank of Baroda Credit Card Customer Care Number?

Call on the below-given toll-free number to solve your any credit card related query.

In case of block your card- 1800 223 224?

In case of card theft or any misuse- 1800 225 110

Apart from this, you can send an email to solve your credit card related query. Kindly send a mail to the below-given mail address:

ccb@bobfinancial.com?

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