Best BOB Credit Card: Benefits and Offers

BOB Credit Card: All You Need to Know About the Benefits and Offers

If you are someone who frequently uses credit cards, it is essential to know about Bank of Baroda’s (BOB) credit cards. BOB offers a range of credit cards, each with unique features and benefits.

So in this article, we will discuss all the credit cards offered by BOB and their benefits.

Overview of BOB Credit Cards

Bank of Baroda offers various kinds of credit cards, which provide good service including:

BOB Financial Prime Credit Card

This credit card comes with a host of features, including reward points on every transaction, airport lounge access, fuel surcharge waiver, and more.

1) BOB Financial Premier Credit Card

This credit card comes with a host of features, including reward points on every transaction, airport lounge access, fuel surcharge waiver, and more.

Features:

⇝ 5X – 10 Reward Points* for every ₹ 100 spent on Travel, Dining and Abroad.
⇝ 2 Reward Points for every Rs. 100 spent on other categories
⇝ 1 Reward Point for every Rs. 100 spent on Select MCCs*
⇝ 1 Complimentary Airport Lounge – Every calendar quarter.
⇝ Fuel Surcharge Waiver**
⇝ Zero annual fees basis card usage*

2) BOB Financial Select Credit Card

This credit card is designed for individuals who prefer luxury and convenience. It offers exclusive benefits such as complimentary airport lounge access, travel vouchers, reward points on every transaction, and more.

Features:

⇝ 5X – 5 Reward Points* for every ₹ 100 spent on Dining and Online spends
⇝ 1 Reward Point for every ₹ 100 spent on other categories.
⇝ 0.5 Reward Point for every ₹ 100 spent on Select MCCs.
⇝ Fuel Surcharge Waiver*
⇝ Zero annual fees basis card usage*
⇝ Pay safely with Contactless Cards.

3) BOB Financial Easy Credit Card

This credit card is ideal for individuals who want a simple and hassle-free credit card experience. It comes with features such as zero joining fee, reward points on every transaction, fuel surcharge waiver, and more.

Features:

⇝ 5X – 5 Reward Points* for every ₹ 100 spent on Departmental stores, Movie spends
⇝ 1 reward point for every ₹ 100 spent on other categories
⇝ 0.5 reward point for every ₹ 100 spent on Select MCCs*
⇝ Fuel Surcharge Waiver**
⇝ Zero annual fees basis card usage*
⇝ Pay safely with Contactless Cards

4) BOB Financial Swavlamban Credit Card

This credit card is designed for individuals who prefer premium lifestyle benefits. It offers features such as complimentary airport lounge access, reward points on every transaction, fuel surcharge waiver, and more.

Features:
⇝ Earn Reward Points for every ₹ 100 spent
⇝ Redeem your reward points as cashback
⇝ Fuel Surcharge Waiver**
⇝ Zero Annual Fees basis Card Usage: Spend ₹ 2,500 within 60 days and ₹ 12,000 in a year for reversal/waiver of annual fees.

Easy EMI facility : Convert purchase of > 2,500/- on your card into easy EMIs of 6/36 months

| Know more : Axis Bank Vistara Card – Club Vistara – Read more

5) BOB Financial Unnati Credit Card

This credit card is perfect for low spending but need of credit card. It is good for farmers, which provide easy finance services.

Features:
⇝ A first-of-a-kind, co-brand credit card exclusively for our farmers
⇝ Enjoy 1 Reward Point for every ₹100 spent
⇝ Excellent repayment support with only a 1.5% interest rate p.m.
⇝ Smart EMI option: Convert purchase of > 2,500/- on your card into easy EMIs of 6/36 months.

6) BOB Financial Prime Credit Card

This credit card comes with a host of features, including reward points on every transaction, airport lounge access, fuel surcharge waiver, and more. It is perfect for individuals who seek the ultimate luxury credit card experience.

Features:
⇝ Guaranteed issuance against FD of 15,000 or more without any income proof.
⇝ Cashback on all spends.
⇝ Zero fuel surcharge.
⇝ Zero first year and annual fees.

⇝ Earn 1 reward points for every ₹100 spent on select MCCs*
⇝ Earn 2 reward points for every ₹ 100 spent on all other MCCs.
⇝ 1% fuel surcharge waived for all fuel transactions between ₹ 400 – ₹ 5,000 (Max. ₹ 250/ month).

How to Apply for BOB Credit Cards
You can apply for a BOB credit card online or by visiting a BOB branch. To apply online, visit the BOB website, select the credit card you want to apply for, fill in the required details, and submit the application. Alternatively, you can visit a BOB branch, fill in the application form, and submit it along with the necessary documents.

Conclusion:

In conclusion, Bank of Baroda offers a range of credit cards to suit every individual’s needs and preferences. With exciting rewards, exclusive benefits, and contactless payments, BOB credit cards are a great choice for anyone looking for a hassle-free credit card experience.

FAQs

Q. What is the annual fee for BOB credit cards?
⇛ The annual fee varies depending on the credit card you choose. Please check the BOB website for more information.

Q. Can I apply for a BOB credit card if I am not a BOB customer?
⇛ Yes, you can apply for a BOB credit card even if you are not a BOB customer.

Q. How long does it take to get a BOB credit card?
⇛ It usually takes 7-10 working days to receive a BOB credit card after submitting the application.

Q. What is the minimum age to apply for a BOB credit card?
⇛ The minimum age to apply for a BOB credit card is 18 years.

Tips to use Credit Cards:

Here we are giving some simple tips to use Credit Card. Credit cards can be a useful tool for managing finances and making purchases, but they can also lead to debt and financial trouble if not used wisely. Here are some tips to help you make the most of your credit card while avoiding the pitfalls:

Create a budget: Before using your credit card, make a budget to determine how much you can afford to spend each month. Stick to your budget and avoid overspending.
Pay your bills on time: Late payments can lead to high interest rates, late fees, and damage to your credit score. Set up automatic payments or reminders to ensure you never miss a payment.
Monitor your credit utilization: Keep your credit utilization (the amount of credit you use compared to your credit limit) below 30% to maintain a good credit score.
Avoid cash advances: Cash advances often come with high fees and interest rates, so it’s best to avoid them if possible.
Take advantage of rewards: Many credit cards offer rewards such as cashback, travel points, or discounts. Make sure you understand the terms and conditions of the rewards program and use your credit card wisely to maximize your rewards.

By following these simple tips, you can use your credit card wisely and avoid the financial pitfalls that come with credit card debt. Remember to always read the fine print and make informed decisions about your finances.

>> Know more and deep tips about using Credit cards – Click here.

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