Bank of Baroda offers a diverse range of credit cards designed to meet the varied needs of its customers. These cards come packed with a plethora of benefits, including exclusive memberships, special deals, and attractive value returns on your purchases through rewards or cashback. Whether you’re a frequent traveler, a shopping enthusiast, or someone who enjoys dining out, Bank of Baroda has a credit card tailored for you. Below, we delve into the details of some of the top credit cards offered by Bank of Baroda, including their features, benefits, charges, and more.

Explore Top Credit Cards from Bank of Baroda for 2024

Bank of Baroda provides credit cards across several categories, including travel, shopping, dining, and entertainment. Each card is crafted to offer unique benefits that align with different spending habits and lifestyle choices. Whether you want to earn reward points or get cashback on every transaction, the Bank of Baroda credit cards can cater to your preferences. Here’s an overview of some of the prominent credit cards offered by the bank:

1. Bank of Baroda Elite Card

   • Annual Fee: ₹1,500

   • Key Features: Welcome benefits, accelerated reward points on various categories, complimentary airport lounge access, and travel insurance coverage.

2. Bank of Baroda Platinum Card

   • Annual Fee: ₹500

   • Key Features: Reward points on all transactions, insurance coverage, and dining privileges.

3. Bank of Baroda Gold Card

   • Annual Fee: ₹750

   • Key Features: Cashbacks on select categories, reward points on purchases, and additional discounts on shopping.

Other Notable Bank of Baroda Credit Cards

In addition to the popular credit cards listed above, Bank of Baroda also offers specialized credit cards catering to specific professions and memberships. These include:

1. Bank of Baroda Exclusive Credit Card

   • Annual Fee: ₹Nil

   • Best Suited For: Members of the Institute of Chartered Accountants of India (ICAI)

2. Bank of Baroda ICSI Diamond Credit Card

   • Annual Fee: ₹Nil

   • Best Suited For: Members of the Institute of Company Secretaries of India (ICSI)

3. Bank of Baroda CMA One Credit Card

   • Annual Fee: ₹Nil

   • Best Suited For: Members of the Institute of Cost Accountants of India (ICMAI)

These specialized cards offer tailored benefits to cater to the needs of professionals in these fields.

Fees Associated with Bank of Baroda Credit Cards

The fees and charges for Bank of Baroda credit cards can vary depending on the card variant. Below is a summary of the general fees and charges applicable to most of their credit cards:

• Joining/Annual Fee: This varies from card to card, with some cards offering nil annual fees for certain memberships or special conditions.

• Finance Charges: 3.49% per month, translating to an annual percentage rate of 41.88%.

• Late Payment Fee:

  • Less than ₹100: No fee

  • ₹100 to ₹500: ₹100

  • ₹501 to ₹1,000: ₹400

It is essential to review the terms and conditions specific to each card to understand all applicable fees and charges.

Eligibility and Documentation for Bank of Baroda Credit Cards

To qualify for a Bank of Baroda credit card, you need to meet the basic eligibility criteria outlined by the bank:

• Age: Applicants must be at least 18 years old.

• Occupation: Both salaried and self-employed individuals are eligible to apply.

How to Apply for a Bank of Baroda Credit Card Online

Currently, Bank of Baroda is not partnered with Paisabazaar for credit card applications. If you are interested in applying for a Bank of Baroda credit card, you should visit their official website or the nearest branch. However, if you wish to explore other credit card options available through Paisabazaar, you can follow these steps:

1. Enter Your Mobile Number: Start the application process by providing your mobile number in the designated form.

2. Verify OTP and Check Available Offers: Enter the OTP sent to your registered mobile number to view pre-approved credit card offers.

3. Select Preferred Credit Card: Based on the offers available and your eligibility, select the credit card that best fits your needs.

4. Apply and Provide Documents: Complete the application process by applying for the chosen credit card and submitting the required documents for further processing.

Conclusion

Bank of Baroda’s range of credit cards is designed to cater to various spending habits and financial needs. With a host of benefits including rewards, cashback, and specialized cards for professionals, there’s likely a Bank of Baroda credit card that meets your requirements. By understanding the features, fees, and eligibility criteria, you can make an informed decision and select the credit card that aligns best with your lifestyle and financial goals.