Bank of Baroda (BoB) Credit Card

Bank of Baroda, commonly known as BoB, is a top public sector bank in India. Besides providing banking solutions to individuals and corporations, the bank offers a wide range of financial products, including credit cards. These credit cards are designed to meet the diverse financial needs of modern customers. They come with special benefits and can be easily applied for through a simple and hassle-free process. With a dedicated rewards program, you can earn rewards while using your BoB Credit Card for payments and purchases.

Features and Benefits of Bank of Baroda Credit Card

The Bank of Baroda (BoB) credit cards have different features and benefits based on the card you select. But, there are also some common advantages and features:

Add-on Card Facility: Extend card benefits to your family members with an add-on card.
Acceptance Across the Country: Use your BoB credit card at various merchants across India.
Attractive Rewards: Earn rewards for cost-saving benefits and enhancing your experience.
Zero Liability: No liability for unauthorized transactions if your card is lost or misplaced.
Complimentary Insurance Cover: Get complimentary insurance coverage with your credit card.
Reward Redemption Options: Choose from various options to redeem your earned rewards.
Complimentary Membership: Enjoy free membership to health and entertainment platforms.
Annual Fee Reversal: If you meet spending criteria, the annual fee can be reversed.
Complimentary Airport Lounge Access: Access airport lounges for free during travel.
Fuel Surcharge Waiver: Save on fuel expenses with a fuel surcharge waiver.
Interest-free Periods: Benefit from lengthy interest-free periods of up to 50 days.
EMI Conversion: Convert big purchases into EMIs for convenient repayment options.

Eligibility Criteria

For Eterna Credit Card: Age should be between 21 and 65 years.
For other cards: Age should be between 18 and 65 years.
The applicant must have a stable source of income.
The applicant needs to have a decent credit score.

Documents Required

ID Proof: You need to provide a copy of any government-approved photo ID card.
Address Proof: You must submit a copy of a document that proves your address. It can be your Aadhaar card, Voter’s ID, Passport, driving license, latest utility bill, or an official document issued by the state or central governments with your updated address.
Income Proof: If you are self-employed, you need to provide the latest record of Income Tax Return (ITR).
If you are salaried, you should submit your bank statement showing the credit of your salary for the last 3 months and your salary slips for the last 3 months.

How To Apply for Bank of Baroda Credit Card?

To apply for BoB Cards, you have two options: visit your nearest BoB branch or apply online through the BoB Financial website.

  1. If applying online, go to
  2. Choose the credit card you want to apply for.
  3. Click on ‘Apply Now.’
  4. You’ll be taken to an application form. Fill in all the necessary details carefully and double-check them.
  5. Follow the website’s instructions to complete all the formalities.

List Of Best Bank of Baroda Credit Cards

Bank of Baroda (BoB) Select Credit Card
Joining Fee: Rs. 750 plus applicable taxes
Renewal Fee: Rs. 750 plus applicable taxes

Bank of Baroda (BoB) Eterna Credit Card
Joining Fee: Rs. 2,499 + GST
Renewal Fee: Rs. 2,499 + GST

Bank of Baroda (BoB) Easy Credit Card
Joining Fee: Rs. 500 (Lifetime Free for a limited time)
Renewal Fee: Rs. 500 (Lifetime Free for a limited time)

Bank of Baroda Swavlamban Credit Card
Joining Fee: Nil, Rs. 250 (for non-delinquent cardmembers)
Renewal Fee: Nil, Rs. 250 (for non-delinquent cardmembers)

Bank of Baroda ConQR Credit Card
Joining Fee: Nil
Renewal Fee: Nil

ICAI Bank of Baroda Exclusive Credit Card
Joining Fee: Nil
Renewal Fee: Nil