About Bank of Baroda Premier Credit Card
Bank of Baroda Premier Credit Card, offered by BOB Financial Solutions Limited (formerly BOBcards Limited), is designed for frequent shoppers seeking a rewarding credit experience. This card combines attractive rewards with carefully curated benefits, all at a minimal annual fee. Ideal for those who spend regularly on shopping and lifestyle expenses, it provides points on every purchase along with additional perks to enhance your financial convenience and lifestyle privileges. Here’s a closer look at the features and benefits of the BoB Premier Credit Card.
Apply for a Credit Card & Get Instant Approval
Bank of Baroda Premier Credit Card Rewards Program
Rewards Benefits
- Earning Rate: Earn 10 Reward Points (5X) for every ₹100 spent on travel, dining, and foreign transactions. For all other eligible spends (except fuel, utilities, and telecom), earn 2 Reward Points per ₹100.
- Reward Cap: The 5X Reward Points are capped at 2,000 points per month for travel, dining, and foreign spends.
- Reward Redemption: Points can be redeemed for flights, hotel bookings, shopping, products, and gift vouchers.
- Value: 1 Reward Point = ₹0.25.
Other Features and Benefits
- Welcome Benefits: Earn 500 bonus Reward Points (worth ₹125) on spending ₹5,000 or more within 60 days of card issuance.
- Travel Benefits: Complimentary domestic airport lounge access once every quarter at select airports in India.
- Fuel Surcharge Waiver: 1% waiver on fuel transactions between ₹400 and ₹5,000 at all fuel stations in India, capped at ₹250 per month.
- Insurance Benefits: Personal accident death cover up to ₹10 lakh and zero liability protection in case of card loss or theft.
- Add-on Cards: Up to 3 free add-on cards for family members.
- RuPay Variant: Can be linked to UPI applications for convenient digital payments.
Fees and Charges
| Fee Type | Amount |
|---|
| First-year fee | Rs.1,000 |
| Annual fee | Rs.1,000 |
| Cash withdrawal fee (Domestic ATMs) | 2.5% of the transaction amount subject to a minimum of Rs.300 |
| Cash withdrawal fee (International ATMs) | 3.0% of the transaction amount subject to a minimum of Rs.300 |
| Finance charges or interest | 3.25% per month or 39% per annum |
| Duplicate bill fee | Rs.25 per request |
| Cheque return charges | 2% of the cheque amount or Rs.300 whichever is higher |
| Over limit charges | 1% if the usage exceeds the sanctioned credit limit per month |
| Card replacement charges | Rs.100 per request |
| Foreign currency transaction fee | 3.5% of the transaction amount |
| Charge slip retrieval charges | Rs.250 per slip |
| Card de-blocking charges | Rs.300 per instance |
| Late payment charges | - < Rs.200 - NIL
- Rs.201 to Rs.500 - Rs.100
- Rs.501 to Rs.1,000 - Rs.400
- Rs.1,001 to Rs.10,000 - Rs.500
- More than 10,001 - Rs.750
|
Apply for a Credit Card & Get Instant Approval
Things to Know Before you apply
Get this card if:
- You are a frequent shopper and want accelerated rewards on dining, travel, and international spends.
- You want complimentary domestic airport lounge access.
- You are looking for a lifetime-free credit card with insurance benefits.
- You want to save on fuel with a surcharge waiver.
Eligibility Criteria
- Age: 21 to 70 years
- Occupation: Salaried or Self-employed
- Credit Score: Should have a good credit history
Document Required For Bank of Baroda Premier Credit Card
- Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
- Proof of Address: Aadhaar Card, Driver’s License, Passport
- Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement
Bank of Baroda Premier Credit Card Hilights
What do we like about this card?
- Earn 2 Reward Points for every ₹100 spent on all categories.
- Earn 5X Reward Points on dining, travel, and international transactions.
- Complimentary Domestic Lounge Access at selected airports.
- Insurance Coverage: Personal accident death cover included.
- Fuel Surcharge Waiver: 1% waiver on fuel transactions across India.
Pros
- Lifetime-free credit card with a decent reward rate.
- Complimentary domestic airport lounge access.
- Opportunity to benefit from various BOBCARD credit card offers.
Cons
- 3.5% Forex markup fee on international transactions.
- 5X Reward Points are capped at 2,000 points per month.
Bank of Baroda Credit Card Contact Details
- Contact Address: BOB Financial Solutions Ltd. 2nd Floor, Baroda House, Behind Dewan Shopping Centre, S. V. Road, Jogeshwari (West), Mumbai – 400102, Maharashtra, India
- Helpline: 1800 266 5100 (Toll-Free) +91 22 4206 1111 (International)
- Simply SMS: Send ‘HELP’ to 9223172141 from your registered mobile number
Explore other Card Categories