Bank of Baroda Sentinel Credit Card
The Bank of Baroda Sentinel Credit Card is specially made for Assam Rifles personnel and comes with great benefits at no annual cost. With this lifetime free card, you can earn up to 10 reward points for every ₹100 spent on things like movies and department store shopping. These points can be redeemed on the BoB Rewards portal for exciting options. New users also get extra perks like a free Fitpass Pro membership and bonus reward points. If you travel often, you’ll enjoy free access to domestic airport lounges in India, making your trips more comfortable. This Bank of Baroda Sentinel Credit Card is designed to match the lifestyle needs of Assam Rifles personnel, making it a great choice for savings and convenience.
Along with rewards, the Sentinel Credit Card offers premium benefits like free golf rounds and a fuel surcharge waiver, adding more value to your spending. It also includes insurance coverage for extra financial security. Plus, you can unlock more benefits by reaching spending milestones, helping you save even more. Whether you want travel perks, shopping rewards, or lifestyle privileges, this card covers it all—without any yearly fees. Just check the eligibility criteria before applying, and if you qualify, this card can be a great way to enjoy more savings and exclusive benefits.
Rewards and Benefits
Fees & Charges
What should you consider before applying for a credit card in India?
Key Considerations Before Applying for a Credit Card in India:
- Eligibility Criteria: Ensure you meet the eligibility requirements, which typically include age, income, credit score, and employment status as defined by the issuing bank or financial institution.
- Credit Score: A strong credit score can significantly improve your chances of approval and result in more favorable terms, such as lower interest rates or higher credit limits. Verify that your credit score is healthy before applying.
- Interest Rates and Fees: Compare the annual percentage rates (APR), processing fees, late payment penalties, and foreign transaction charges associated with various cards. These costs can vary widely and impact the overall value of the card.
- Rewards and Benefits: Evaluate the rewards, cashback, discounts, or other perks offered by the card to ensure they align with your spending patterns. Some cards may provide better benefits in specific categories, such as travel, shopping, or dining.
- Credit Limit: Review the credit limit offered by the card to ensure it meets your financial needs. Avoid applying for cards with excessive limits if you are concerned about managing debt, as this can lead to higher interest charges.
- Repayment Terms: Understand the repayment structure, including the minimum payment amount, payment due dates, and any associated penalties. Being clear about these terms can help you manage payments effectively and avoid interest buildup.
- Card Type and Features: Choose a card type that matches your specific needs—whether standard, premium, or specialized cards like those offering travel rewards or dining privileges. Ensure the features of the card align with your lifestyle and spending habits.
- Bank’s Reputation: Opt for a financial institution with a proven reputation for customer service and transparency. Consider researching customer reviews and assessing their support channels to ensure reliable service.
- Hidden Charges: Be aware of any hidden fees, including annual fees, balance transfer charges, foreign transaction fees, or cash withdrawal charges. These can add up over time and affect the overall cost-effectiveness of the card.
- Credit Utilization: Maintain a balance within your credit limit to avoid high credit utilization ratios, which can negatively impact your credit score. Responsible use of credit is essential for maintaining financial health.
- Long-Term Financial Plans: Consider how the credit card fits into your overall financial strategy. Avoid accumulating unnecessary debt and choose a card that supports your long-term financial goals without adding financial strain.
Is there an annual fee for the BoB Sentinel Credit Card?
No, this card is lifetime free with no joining or annual charges.
What rewards can I earn with the Bank of Baroda Sentinel Credit Card?
Earn 10 points per ₹100 spent on groceries and departmental stores, 2 points per ₹100 on other purchases, and 1,000 bonus points for activating the card within 30 days.
What travel benefits come with this card?
Get 8 free domestic airport lounge visits per year (2 per quarter) and save on fuel with a 1% surcharge waiver on transactions between ₹400 and ₹5,000 (max ₹250 per billing cycle).
How much is 1 Reward Point worth?
Each point is worth ₹0.25 when redeemed.
What is the foreign currency markup fee?
A 3.5% charge applies to transactions made in foreign currencies.
Does this card include insurance benefits?
Yes, it offers accidental death coverage (air & non-air) worth ₹20 lakh. Report any card loss immediately to avoid liability for unauthorized transactions.
Does this card provide international lounge access?
No, but it offers 2 free domestic lounge visits every quarter.
Can I convert my purchases into EMIs?
Yes, transactions above ₹2,500 can be converted into EMIs with flexible repayment terms of 6 to 36 months.
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