Bank of Baroda Credit Cards: Everything You Must Know

Bank of Baroda (BoB) issues its cards through BOBCARDS Ltd, offering a good mix of retail, co-branded, premium, secured (against fixed deposits), and niche cards for professionals or defence personnel. 

Most come with up to 50 days interest-free credit, rewards on every swipe, fuel surcharge waivers, add-on card options, and lifestyle-based variants. 

Best Credit Cards by Bank of Baroda

Here are some of the most popular credit cards by Bank of Baroda right now:

When you compare them, you’ll notice BoB has something for every bracket, right from an entry-level secured card to exclusive professional ones for CA or CS members.

Bank of Baroda Credit Card Features & Benefits

One thing BoB does well is build a consistent backbone across its cards. You can expect:

• Up to 50 days interest-free period
• 1% fuel surcharge waiver on eligible fuel transactions
• Reward multipliers like 5× points on dining, travel, utilities, and online spends. 
• Fee waivers on spend-based criteria
• Domestic lounge access on premium cards
• Add-on cards and EMI conversions
• Insurance coverage and zero fraud liability
• Digital management through web and app

I’ve noticed that BoB often pairs welcome gifts, like FitPass Pro membership or bonus reward points, with user-specific offers. That little nudge often makes the first-year ownership sweeter. Plus, there are other benefits and rewards, too: 

• Reward multiplier categories bring real value for travel and dining enthusiasts.
• Fuel surcharge waiver on ₹400–₹5,000 spends adds up nicely for car or bike users.
• Lounge access on cards like ICSI Diamond is generous: up to 12 visits per year.
• Insurance coverage includes air accident and professional indemnity on certain cards.

Top Bank of Baroda Credit Card Reviews

From user stories and my own experiences, here’s what people care most about:

• Rewards versus fees: The balance between points and yearly charges.
• Ease of issuance: FD-backed cards get approved faster, often without income docs.
• Customer service & reversals: Especially around annual fee waivers or redemption.
• Lounge access clarity: Users sometimes miss the spend-based conditions.
• Processing fees: Sneaky charges on wallet reloads or selective utilities surprised many.

Card Against Fixed Deposit by Bank of Baroda 

My favorite starting point for beginners is BOBCARD Prime: a secured credit card backed by a fixed deposit of ₹15,000 or more. 

I’ve personally seen this help folks with no credit scores (or even rejected applications elsewhere) get started. This card is lifetime free, no income proof required, and yet gives you all basic perks: rewards, fuel waiver, EMI conversion. A great way to start building your credit story safely. 

Details on the official site.

Rewards, Cashback & Offers on Bank of Baroda Cards

Bank of Baroda’s cards use a reward points system: earn points per ₹100, with much higher multipliers on travel, dining, and utility spends. You can redeem these points for vouchers, merchandise, or even bill credit.

A few changes from January 2025 are worth noting:

• No more capping on UPI reward points: unlimited now.
• Wallet loading earns zero points and attracts 1% processing fee.
• Utility bills above ₹50,000 also see a 1% fee (capped).
• Golf benefits have been discontinued on select premium cards.

These might sound small, but they matter if you’re someone who routes most digital payments through credit cards. 

Eligibility Criteria for Most Bank of Baroda Credit Cards

Eligibility varies by card type. For secured cards, you can skip income proof. 

For premium and lifestyle cards, expect higher income requirements and a proven credit track record. Usually, applicants must:

• Be 18–65 years old
• Reside in India
• Be salaried or self-employed with a stable income

I always tell first-timers: start small, especially if you’re unsure of your CIBIL standing. A secured card helps you build credibility without rejections denting your record.

Documents Required

You’ll need the usual checkpoints:

• Application form and recent photo. 
• Identity proof: PAN (mandatory), Aadhaar, passport, or licence. 
• Address proof: Aadhaar, passport, utility bill, or bank statement. 
• Income proof: salary slips, Form-16, bank statement for salaried; ITRs or audited accounts for self-employed. 

In my experience, having your PAN linked to Aadhaar makes this process smooth, especially for eKYC verification.

How to Apply for a Bank of Baroda Credit Card? 

The process is fairly hassle-free if you do it online:

1. Visit the official BOB credit card page.
2. Choose your card category (secured, regular, or premium).
3. Check if you meet the age and income criteria.
4. Fill out the online form and upload the required documents.
5. For FD-backed cards, open a fixed deposit alongside the application.
6. Verification might include a document check or residence verification by a field agent.

I’ve seen FD-backed applications get approved within 2–3 days, while higher-tier ones may take a week or more, depending on verification.

Application Status

You can track your application on BOBCARDS’ status portal using your application number. You’ll see updates like “In progress”, “Approved”, “Dispatched”, or “Rejected”. Customer care can also help if you lose track of the link.

Activating Your Bank of Baroda Credit Card

When your card arrives, activation is quick. Just follow the instructions on the welcome letter — you can call the toll-free number, use net banking, the mobile app, or even set your PIN through an ATM. Don’t forget to sign the card immediately and enable international use only if you really need it.

Managing via Netbanking or App

Bank of Baroda’s digital dashboard is clean and functional. Through net banking or the BOBCARDS app, you can:

• Check statements and due dates
• Redeem reward points
• Pay dues instantly
• Request add-on cards
• Convert large spends to EMIs

Customer Care

For queries, you can call the toll-free numbers 1800-258-44-55 or 1800-102-44-55. There’s also email and branch-level support. I’ve contacted them once regarding a fuel waiver issue — response time was decent, though follow-up helped get things done faster.

Recent Changes & Devaluations

The start of 2025 brought notable changes:

• Reward point caps on UPI spends have been lifted (a good thing).
• Wallet loading now costs 1% fee and earns no points.
• Golf privileges are discontinued on cards like Eterna, Yoddha, The Sentinel, and Rakshamah.

As someone who rarely used golf offers, this doesn’t affect me, but frequent travellers who banked on such privileges might be disappointed.

Domestic Lounge Access on Bank of Baroda Credit Cards

Cards like ICSI Diamond, ICAI Exclusive, and Premier provide free access to selected domestic airport lounges, around 3 per quarter or 12 annually. Be sure to check the conditions tied to spend thresholds before you plan airport visits.

Also Check : Domestic Lounge Access Checker for All Credit Cards in India

FAQs about Bank of Baroda Credit Cards

How much income do I need to apply?

Depends on the card. Secured cards need no income proof; premium cards require a higher monthly income. Always align your choice with your real financial comfort zone.

Can I get a credit card without income proof?

Yes. BOBCARD Prime is a great example: backed by an FD, no income proof needed, yet it gives you a real credit limit to build history.

What fees should I watch out for?

Keep an eye on joining and annual fees, fuel waiver caps, wallet/utility processing fees, forex markup on international spends, and late fees. These can silently erode your benefits if you’re not tracking statements closely.

How are rewards redeemed?

Via the rewards portal: for cashback, gift vouchers, or utility bill payments. I recommend redeeming periodically so your accumulated points don’t expire unused.

How long does it take to receive the card?

Usually, within a week after approval. You can track dispatch on the portal. Remember to activate it before your first transaction.

A Personal Take on Bank of Baroda Cards

I’ve seen both ends, from struggling with approvals to now helping friends choose their first card. Bank of Baroda hits a sweet middle for conservative users. It’s Indian, stable, and not trying to be the “coolest” issuer with 10,000 flashy offers. If your goal is to build credit responsibly, collect honest rewards, and skip unnecessary hype, Bank of Baroda deserves a chance. 

As someone who’s always believed cards should make life simpler, not louder, I’d say BoB’s lineup fits small-town users, new earners, or anyone seeking a steady financial partner without noise. 

Start with a secured card, graduate to lifestyle variants, and always pay in full. You’ll reap the best of convenience and discipline.