How to Close and Block Bank of Baroda Credit Card



Managing your Bank of Baroda (BoB) credit card responsibly also includes knowing how to block or close it when you need to. You can choose to close or block your credit card in case of loss, or theft, or you can find another credit card that better suits your financial needs and spending habits. BoB provides various online and offline avenues to get your credit card closed or blocked.

Available methods to block or close your BOBCARD credit card:

  1. Through Phone Banking: Bank of Baroda (BOB) offers a 24/7 toll-free customer care service. You can get your credit card blocked by immediately calling them. You can call them any time and after authenticating your identity you can get your card blocked. Here are the customer care numbers:
    • Primary Numbers: 1800 103 1006 or 1800 225 100
    • Alternative Numbers: 1800 258 4455 or 1800 102 4455
  2. Through SMS: You can also SMS Bank of Baroda (BOB) to get your credit card blocked. This method is very convenient and fast which can get your credit card block instantly:How to Do:
    • Write an SMS: Type BLOCK XXXX, where 'XXXX' represents the last four digits of your BOBCARD credit card number.
    • Send the SMS: Send this message to 9223172141, from your registered mobile number.
    • Confirmation: After that, you will receive a confirmation message indicating that your credit card has been blocked.
  3. Through Email: Cardholders can also send an email to the bank to crm@bobfinancial.com for a card blockage request. After their Customer service team will process your request and you will receive a confirmation email.
  4. Through Branch Visit: If you are not very comfortable with online methods then you can visit the branch in person to get your card blocked. For that go to the nearest branch with a valid government-issued photo ID (such as a passport, driver's license, or Aadhaar card) and your credit card details. Then request an application form for blocking a credit card then submit it with your identification proof. After processing your request, the bank will send you a confirmation for blocking your card.

How to Report Loss/Theft/Misuse on your BOBCARD Credit Card

  1. Contact Customer Care Immediately:
    • Toll-Free Numbers: BOB offers 24/7 customer care for all credit card users. You can contact them at 1800 258 44 55 or 1800 102 44 55 to report the loss or theft of your card. Alternative You can also reach out to them at 1800 103 1006 or 1800 225 100 for the sane reason or get some assistance.
  2. Block Your Card via SMS: Send an SMS to 9223172141 from your registered mobile number in the following format: BLOCK XXXX
    Here, 'XXXX' represents the last four digits of your credit card number. This will instantly block your card.
  3. Use Online Services:
    • Customer Portal: Log in to the BOB credit card customer portal. Navigate to the 'Card Block' option in the menu and follow the on-screen instructions to block your card.
    • Mobile App: Access the 'BOBCARD' mobile app, available on Google Play and the App Store. After logging in, select the 'Card Block' option to proceed.
  4. Visit a Branch:
    Go to the nearest Bank of Baroda branch to report the incident. Ensure you bring valid identification and any necessary documents. A bank representative will guide you through the process of blocking your card.
  5. File a Police Report:
    In cases of theft or misuse, it's advisable to lodge a First Information Report (FIR) with the local police. Submit a copy of this report to the bank as it may be required for their records and further investigation.

key considerations to keep in mind while Blocking your Bank of Baroda (BoB) credit card:

  1. Use Your Registered Mobile Number: When blocking your credit card via phone banking or SMS, always use your registered mobile number. This ensures that the bank can verify your identity quickly and process your request without delay.
  2. File a Police Complaint for Theft or Loss: If your credit card has been stolen or lost, it's crucial to file a First Information Report (FIR) with the local police. This official report not only serves as a record of the incident but also provides necessary documentation for the bank to process your case effectively.

  3. Prepare Necessary Information Before Calling: Before contacting customer care to block your card, have the following details ready:

    • Credit Card Number: The 16-digit number on your card.
    • Registered Mailing Address: Your official address as per bank records.
    • Registered Email ID: The email address linked to your bank account.

    Having this information at hand will facilitate a smoother and faster blocking process.

  4. Understand That Blocking Doesn't Close the Account: It's important to note that blocking your credit card prevents its usage but does not close your credit card account. If you wish to close the account permanently, you will need to follow the bank's specific procedures for account closure
  5. Report Unauthorized Transactions Promptly: If you notice any unauthorized transactions before blocking your card, report them to the bank immediately. Prompt reporting can help mitigate potential losses and initiate investigations.
  6. Follow Up with the Bank: After requesting to block your card, follow up with the bank to confirm that the blocking has been successfully implemented. This ensures that no further unauthorized transactions can occur.
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Bank of Baroda Credit Card

Frequently Asked Questions

You can block your BoB credit card by calling BoB's 24/7 toll-free customer care numbers at 1800-258-4455 or 1800-102-4455. Alternatively, you can send an email to crm@bobfinancial.com requesting to block your card. Give the bank all the necessary details such as your card number and personal identification information.

After blocking your card you file a First Information Report (FIR) with the local police station, especially in cases of theft or misuse. Also, submit a copy of the FIR to the bank for their records. This would help you in the future in case of unauthorized transactions.

Yes, you can get your credit card closed permanently. You can submit a written request to the bank for this by visiting the nearest BoB branch. Cut the card into multiple pieces before submitting it. Alternatively, you can also send an email to crm@bobfinancial.com to get your credit card closed.

Before closing your credit card clear all outstanding dues. The bank will not process your closure request if your credit card payment is due. Also, make sure to remove all the automatic payments or subscriptions linked to your credit card.

Closing your BoB credit card might impact your credit score. Because it will put more spending burden on the rest of your credit cards. It can also shorten your credit history, f you are closing a very old credit card.

It might be impossible for you to reopen your credit card after closing it. For that, you need to contact the BoB's customer service for specific guidance related to it.