Bank of Baroda (BOB) Credit Cards
BOBCARD Limited, a subsidiary of Bank of Baroda, is a non-banking financial company specializing in the credit card business. Supported by one of India’s leading banks, it provides a variety of BOB Credit Cards designed for different lifestyles, including shopping, travel, dining, and more. To meet the needs of a wide customer base, the company offers both premium and entry-level credit cards. Additionally, customers can easily link their BOB Credit Cards with UPI for seamless digital payments. With a strong financial backing and a commitment to innovation, BOBCARD ensures a smooth and rewarding experience for its users.
As of August 2024, BOBCARD has issued over 27 lakh active credit cards in India, as per RBI reports. The company prioritizes customer satisfaction by offering valuable benefits and privileges with every card. Whether you are looking for cashback, travel perks, or lifestyle rewards, BOB Credit Cards provide tailored benefits to enhance your spending experience. This article will guide you through the different BOB Credit Cards available, along with detailed insights into their features and services, helping you find the best option for your financial needs.
List of Best BOB Credit Cards in India
BOB CARD is a top credit card provider in India, offering a variety of cards for travel, rewards, and more. With so many choices, finding the right card based on benefits like rewards and fees can be difficult. To help you decide, check out our detailed guide on the best BOB Credit Cards and their features.
Bank of Baroda (BOB) Credit Cards – Features & Benefits
Bank of Baroda, like other top credit card providers in India, offers a variety of benefits to its users. Each credit card comes with unique advantages, but most BOB credit cards provide the following common perks:
- Welcome Benefits – When you pay the membership fee and activate your card, you get exciting welcome offers. These may include extra reward points, shopping vouchers, special memberships, higher cashback rates, and more.
- Rewards & Cashback – Every time you use your BOB credit card for shopping, dining, or bill payments, you earn reward points or cashback. Some cards offer extra rewards for spending in specific categories. The reward points can be redeemed for different benefits.
- Milestone Rewards – If you spend a certain amount within a given period, you unlock additional perks like extra reward points, cashback, gift vouchers, and exclusive deals.
- Travel Benefits – Some BOB credit cards come with travel-related perks such as free airport lounge access, discounts on flight and hotel bookings, and other travel privileges.
- Entertainment & Dining Offers – You can enjoy discounts on movie tickets, exclusive dining deals, and other entertainment-related savings.
- Additional Perks – Other benefits include a fuel surcharge waiver, an annual fee waiver (if you meet the spending criteria), and other value-added offers.
BOB Credit Card Eligibility Criteria
To apply for a BOB credit card, you must meet certain eligibility conditions related to age, income, and credit score:
- The required age varies based on the card type:
- 21-65 years for the Eterna Credit Card
- 18-65 years for other credit cards
- Applicants should have a stable source of income.
- A good credit score is necessary for approval.
- Some credit cards may have extra requirements, which you can check in their specific details.
Documents Required
When applying, you must submit certain documents for identity, address, and income verification:
- Identity Proof (Any one of these): PAN Card, Aadhaar Card, Voter ID, Passport, Driving Licence
- Address Proof (Any one of these): Aadhaar Card, Voter ID, Passport, Driving Licence
- Income Proof:
- Salaried employees – Salary slips from the last two months
- Self-employed individuals – Latest Income Tax Return (ITR)
How to Apply for a BOB Credit Card?
You can easily apply for a BOB credit card online through RatingOK, a credit card comparison platform. Follow these simple steps:
- Browse and compare different credit cards on RatingOK.
- Select the card that best fits your needs.
- Click on Apply Now.
- Fill out the application form with the required details.
- Double-check your information and submit the application.
How to Activate a BOB Credit Card?
Before using your BOB credit card, you need to activate it. Here are the methods you can use:
- Online Activation – Log in to your BOB net banking account and select the option to generate a PIN and activate your card.
- ATM Activation – Insert your credit card into a BOB ATM, follow the instructions on the screen, and complete the activation.
- Customer Support – Call BOB customer care for assistance in activating your card.
BOB Credit Card Login & Net Banking
Managing your BOB credit card online is quick and easy with net banking. Here’s how to register:
- Go to the BOB net banking portal.
- Click on Sign Up.
- Enter your credit card number, expiry date, and other required details, then click Proceed.
BOB Credit Card Customer Support
BOB provides 24/7 customer support for any issues related to your credit card. You can call the helpline numbers 1800-103-1006 or 1800-225-100 for assistance with:
- Blocking a lost or stolen card
- Checking your credit card balance
- Generating or resetting your PIN
- Tracking the status of your credit card application