Bank of Baroda Credit Card

Applying for a Bank of Baroda credit card is a simple, hassle-free process. You can choose to apply through MybankingTips or directly on the Bank of Baroda website. Here’s how:

• Visit the Website: Go to the Bank of Baroda credit card section on MY Banking Tips website.
• Choose Your Card: Review the different valuable credit cards and find the card that meets your requirements.
• Click ‘Apply Now’: Click on the ‘Apply Now’ button.
• Fill in Your Details: Enter your personal and financial information for eligibility verification.
• Submit Your Application: After completing the form, submit it and note your application ID for future reference.

• Go to the Bank of Baroda Website: Visit the official Bank of Baroda website to begin your application.
• Navigate to ‘Credit Cards’: Find and select the ‘Credit Cards’ section from the homepage.
• Select a Card: Pick the credit card that best suits your lifestyle, needs and spending pattern.
• Click ‘Apply Now’: Complete the application process by clicking on the ‘Apply Now’ button.

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To apply for a Bank of Baroda credit card, you should fulfill these basic requirements:

• Age: Between 21 and 60 years.
• Employment: Applicable for both salaried and self-employed individuals.
• Credit Score: A credit score above 750 can enhance your chances of getting credit card.

Note: Bank of Baroda can also request additional documents based on their internal policies.

• Annual Fee: It varies with the credit card choose.
• Finance Charges:
• Premium Cards: Around 2.99% per month (35.88% per annum).
• Other Cards: Approximately 3.99% per month (47.88% per annum).
• Late Payment Charges:
• Up to ₹500 – No charge.
• Above ₹500 – ₹1,350 or 10% of the outstanding amount (whichever is lower).

Bank of Baroda credit cards offer a variety of features for the convenience and benefits of cardholders:

Here’s a look at some of the best Bank of Baroda Credit Cards tailored to diverse needs:

Activation of your Bank of Baroda credit card can be done through various channels:

1. Via Net Banking:
• Log in to your Bank of Baroda Net Banking account.
• Select ‘Credit Cards’ > ‘Register Credit Card’.
• Set a 4-digit PIN using OTP verification.
2. Via Mobile Banking:
• Download the Bank of Baroda mobile app.
• Log in and navigate to ‘Account Services’.
• Follow the instructions to set or reset your PIN.
3. Via Customer Care:
• Call the Bank of Baroda toll-free number for assistance.

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Bank of Baroda offers multiple payment options for hassle-free bill settlement:

• For Bank of Baroda Account Holders:
• Net Banking: Log in and pay directly.
• Mobile Banking: Use the mobile app for payments.
• Auto-Debit: Set up standing instructions for automatic payments.
• For Non-Bank of Baroda Account Holders:
• NEFT/IMPS/RTGS: Use the IFSC code provided for transfers.
• Cheque Payment: Drop a cheque at designated Bank of Baroda branches.
• Cash Payment: Visit any Bank of Baroda branch (charges may apply).
• UPI/Bill Desk: Use UPI or third-party apps for easy payments.

Maximize your Bank of Baroda Credit Card benefits with these tips:

Redeeming reward points is simple:

Interest is charged on your Bank of Baroda credit card under these conditions:

• Non-Payment: If you miss the due payment, interest along with a late fee is applied.
• Balance Carryforward: Banks also charge Interest on any carried balance.
• Cash Withdrawals: Banks charge Interest on cash withdrawals from the date of withdrawal to repayment.

Bank of Baroda credit cards come with an interest-free period of up to 50 days. By paying your full outstanding balance before the due date, you avoid any interest charges, giving you a grace period to manage your expenses.

Track the status of your application easily:

• Visit the Bank of Baroda website and use your reference number, registered mobile number, or date of birth to check the status.
• You may also call customer support or visit the nearest branch for updates.

Bank of Baroda offers balance transfer facilities that allow cardholders to transfer outstanding dues from other bank credit cards. If you have a good credit history and transaction record, you can qualify for competitive balance transfer options to reduce your interest costs.

For any queries regarding your Bank of Baroda Credit Card, you can reach out to customer care through:

• Phone: Call the toll-free number 1800-103-1006 or 1800-225-100 for any credit card-related inquiries.
• Email: For unresolved queries, you can email crm@bobcard.co.in. If your issue remains unresolved after five business days, escalate it by emailing escalations@bobcard.co.in.

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