Bank of Baroda (BOB) ConQR Credit Card

BoB Financial extends its credit card offerings to business owners, featuring the Bank of Baroda ConQR Credit Card. Tailored exclusively for businesses, it boasts a lifetime free membership with generous rewards, including up to 5 Reward Points per Rs. 100 spent. Redeemable through the BoB Rewards portal, these points open doors to diverse options. The card also presents enticing deals on flights and hotels, coupled with insurance coverage for accidental death, a 1% fuel surcharge waiver, zero liability protection for lost or stolen cards, and additional perks. Experience a seamless blend of rewards and benefits without extra charges.

Key Highlights of Bank of Baroda (BOB) ConQR Credit Card

Unlock unparalleled benefits with the Bank of Baroda (BOB) ConQR Credit Card.

  1. ConQR Rewards: Earn rewards on every transaction, enhancing your overall banking experience.
  2. Exclusive Dining Benefits: Enjoy special privileges and discounts at partner restaurants for a delightful dining experience.
  3. Contactless Technology: Experience the convenience and speed of contactless payments for a seamless transaction process.
  4. Global Acceptance: Use the BOB ConQR Credit Card globally, ensuring flexibility and convenience during international travel.
  5. Security Features: Benefit from advanced security measures to safeguard your transactions and personal information.
  6. Personalized Offers: Receive tailored promotions and offers, providing additional value based on your spending patterns.
  7. Flexible EMI Options: Convert high-value purchases into easy EMIs, managing your expenses more efficiently.
  8. Insurance Coverage: Access insurance coverage for travel and other unforeseen events, ensuring financial protection.
  9. Digital Banking Integration: Seamlessly manage your credit card through the Bank of Baroda digital banking platform for enhanced control.
  10. Rewarding Welcome Benefits: Enjoy special perks and bonuses as a welcome gesture upon acquiring the BOB ConQR Credit Card.

Features and Benefits of Bank of Baroda (BOB) ConQR Credit Card

The Bank of Baroda (BOB) ConQR Credit Card offers several features and benefits:

1. Earn Rewards:

  • 5 reward points* for every ₹100 spent on dining, online, and utility bills.
  • 0.5 reward point for every ₹100 spent on select MCCs*.
  • 1 reward point for every ₹100 spent on all other MCCs.

2. Travel & Stay Delights:

  • Save on Rs. 400 off on one-way, Rs. 800 off on return domestic flights (min. transaction Rs. 3000, valid till 31st Mar 2023).
  • Fab Hotels: Save up to Rs. 750 on bookings above Rs. 1999 (valid till 31st Mar 2023).
  • Vista Rooms: Save up to Rs. 5000 on 2-night stays (valid till 15th Dec 2022).
  • Treebo Hotels: Save up to Rs. 1000 with promo code TRBMC5 (valid till 31st Mar 2023).

3. Health & Business Security:

  • Up to 15% discount on health products at Apollo Pharmacy (valid till 31st Mar 2023).
  • Flat 30% discount on business needs at Printvenue (valid till 31st Mar 2023).

4. Fuel Surcharge Waiver:

  • 1% Fuel Surcharge waived on transactions between ₹400-₹5000 (max waiver ₹250 per statement cycle).

5. SMART EMI option:

  • Convert ₹2,500 purchase into 6/36 months EMIs.

6. In-built Insurance Cover:

  • FREE Personal Accidental Death Cover: Air: ₹15 Lakhs, Non-Air: ₹5 Lakhs.

Bank of Baroda (BOB) ConQR Credit Card Fees and Charges

Explore the fee structure for the Bank of Baroda (BOB) ConQR Credit Card and discover the financial advantages that come with it.

1. Spend Based Waiver

  • No waiver based on spending.

2. Rewards Redemption Fee

  • No fee for redeeming rewards.

3. Foreign Currency Markup

  • 3.50% charge on the total converted amount.

4. Interest Rates

  • Monthly interest rate of 3.25%.

5. Fuel Surcharge

  • 1% waiver on fuel transactions (Rs. 400 to Rs. 5,000), max Rs. 250/month.

6. Cash Advance Charges

  • Domestic ATMs: 2.5% or Rs. 300.
  • International ATMs: 3% or Rs. 300.

7. Add-on Card Fee

  • No fee for additional cards.

Eligibility Criteria for Bank of Baroda (BOB) ConQR Credit Card

Here are essential criteria for applying for an Bank of Baroda (BOB) ConQR Credit Card:

  1. Age Requirement: The primary cardholder must be between 18 and 65 years old.
  2. Sole Proprietorships Eligibility: Applicable for sole proprietorships with a installed BOB POS machine.
  3. Residency Criteria: The cardholder must be a resident of India.

Documents Required for Bank of Baroda (BOB) ConQR Credit Card

To apply for the Bank of Baroda (BOB) ConQR Credit Card, you will typically need to provide the following documents:

  1. Passport size photograph.
  2. PAN card.
  3. Attested copy of shop registration certificate, verified against the original.
  4. Ensure sales tax number/TIN is mentioned with the correct establishment name and address.
  5. Provide current address proof from the specified list of OVDs or deemed OVDs, such as Passport, Voter ID, Driving License, or Aadhar Card.

How to apply for Bank of Baroda (BOB) ConQR Credit Card

Follow these steps to apply for the Bank of Baroda (BOB) ConQR Credit Card online:

  1. Visit the official website of BoB Financial.
  2. Select the Bank of Baroda ConQR Credit Card.
  3. Click ‘Apply Now’ (Contact customer care if the option is not visible).
  4. Fill in the application form with precision.
  5. Complete all necessary formalities after providing required details.

Frequently Asked Questions (FAQs)

1. What is the Bank of Baroda ConQR Credit Card?
The Bank of Baroda ConQR Credit Card is a unique credit card offering from Bank of Baroda that comes with advanced features, including contactless payment technology and QR code functionality.

2. How does the ConQR Credit Card work?
The ConQR Credit Card utilizes QR code technology to facilitate secure and convenient transactions. Users can make payments by scanning QR codes at merchant outlets or online platforms that support this technology.

3. What are the key features of the ConQR Credit Card?
The ConQR Credit Card offers features such as contactless payments, QR code payments, reward points on transactions, and exclusive discounts at partner merchants. It provides a seamless and innovative way to manage your payments.

4. How can I apply for a Bank of Baroda ConQR Credit Card?
You can apply for the ConQR Credit Card through the Bank of Baroda website or by visiting a Bank of Baroda branch. The application process typically involves submitting necessary documents and meeting the eligibility criteria set by the bank.

5. What are the eligibility criteria for the ConQR Credit Card?
Eligibility criteria may vary, but generally, applicants should meet age requirements, income criteria, and have a good credit score. It’s advisable to check with the bank for specific details on eligibility.

6. Is there an annual fee for the ConQR Credit Card?
Details regarding fees and charges, including annual fees, can be obtained from the official Bank of Baroda website or by contacting the bank’s customer service.

7. How do I make payments with the ConQR Credit Card?
Payments can be made using the ConQR Credit Card by either tapping the card on a contactless-enabled terminal or by scanning QR codes at merchant locations. Online transactions can also be completed using the card details.

8. Can I link my ConQR Credit Card to a mobile wallet?
Yes, you can link your ConQR Credit Card to compatible mobile wallets, allowing you to make digital payments using your mobile device.

9. How do I earn and redeem reward points with the ConQR Credit Card?
You can earn reward points on eligible transactions made with the ConQR Credit Card. These points can be redeemed for various rewards, such as merchandise, vouchers, or cashback, as per the bank’s rewards program.

10. What security features does the ConQR Credit Card offer?
The ConQR Credit Card comes with security features such as EMV chip technology, PIN protection, and secure QR code transactions, ensuring the safety of your card and transactions.