Bank of Baroda has come up with an amazing surprise for its customers as the bank is introducing a new credit card which will offer you lots of benefits as compared to other cards. This card is called the BOB Titanium Credit Card and offers rewards on every purchase and other benefits. You can apply for this Bank of Baroda credit card online and get started on enjoying its benefits right away. So, if you are looking for a new credit card with many rewards, the Bank of Baroda credit card is worth considering.
What Is The Bank Of Baroda Credit Card?
As we know, Bank of Baroda is an Indian multinational banking and financial services company which is India’s second largest bank in terms of assets and third largest in terms of market capital. In addition, it gives lots of banking services and products including credit cards to make its users happy while enjoying this bank service.
A Bank of Baroda credit card allows cardholders to enjoy several benefits such as cashback, discounts, rewards points, and more. Credit cards can be used for making online and offline purchases and for availing cash advances.
Bank Of Baroda Credit Card Benefits
You will not be surprised to know that the Bank of Baroda offers lots of benefits to those customers who use its banking services and products including credit cards. However, all these credit cards offer certain expected benefits, which are as follows-
- Reward points– Bank of Baroda credit cards offer reward points on every purchase made using the card. Furthermore, these points can be redeemed for lots of things or purposes such as flight tickets, hotels, discounts from various brands, movie tickets, electronic devices, cashback, and many more.
- Credit limit- Customers can enjoy a high credit limit on their Bank of Baroda credit card, which gives them the financial freedom to make big purchases without worrying about repayment.
- EMI facility- Customers can avail of the EMI facility on their credit card and repay the amount in easy monthly installments without putting any strain on their monthly budget.
- Flexible repayment options- Bank of Baroda offers flexible repayment options to its credit card holders, which they can choose at their convenience.
- Discounts and offers– Customers can enjoy various discounts and offers on purchases made using the Bank of Baroda credit card. These offers are available in different categories like travel, shopping, dining, etc.
Thus, we see many benefits of using a Bank of Baroda credit card, making it a worthwhile proposition for the customers.
Charges On Bank Of Baroda Credit Card
Bank of Baroda credit cards come with many features and benefits. However, there are certain charges that cardholders need to be aware of. Here is a list of some of the most common charges associated with Bank of Baroda credit cards:
Annual fee: This is the fee the bank charges for issuing and maintaining your credit card. Most interestingly, the annual fee is around Rs 500-1000 but it is waived for the first year.
Joining fee: This is a one-time fee charged by the bank when signing up for a new credit card. The joining fee is typically around Rs. 500-1000.
Foreign currency transaction fee: This is a fee charged by the bank for any transactions made in a foreign currency. The foreign currency transaction fee is typically around 3% of the transaction amount.
Late payment fee: This is a fee charged by the bank if you make a late payment on your credit card bill. The late payment fee is typically around Rs. 100-500.
Overlimit fee: This is a fee charged by the bank if you exceed your credit limit. The over-limit fee is typically around Rs. 100-200.
Cash advance fee: This is a fee charged by the bank for cash withdrawals from ATMs or over-the-counter at banks. The cash advance fee is typically around 2% of the withdrawn amount, with a minimum fee of Rs. 100-200.
Balance transfer fee: The bank charges the balance transfer fee when anyone transfers the outstanding balance from one credit card to another card. The balance transfer fee is typically around 3% of the transferred amount.
Now that you know the various charges associated with Bank of Baroda credit cards, you can use your card more responsibly and avoid incurring unnecessary fees.
How to apply for a Bank of Baroda credit card?
It’s easier for the customer to apply for the Bank of Baroda credit card and can enjoy a wide range of benefits for its credit card. In addition, the bank of baroda offers lots of credit cards according to the needs of its customers such as shopping, travel, fuel, lifestyle, and many more cards. The customer can choose any card which suits them according to their need. That’s why, below we have mentioned the steps to apply for the Bank of Baroda credit card online without facing any difficulty.
- First of all, vist the Bank of Baroda’s website and login in your account using the user id and password.
- Then, go to the ‘Credit Cards‘ section and choose the type of credit card you want from the options.
- Now, you have to tap on the ‘Apply Now’ button.
- After this, an application form will appear which you have to fill with all the required information.
- Submit the form and wait for a response from the bank.
After a few weeks, you will receive an email from the bank regarding the eligibility for the credit card. If you are eligible, start using and enjoying its benefits. If not, then reapply after some time and wait for the email for the bank.
How can I activate the Bank of Baroda credit card?
It is not much difficulty for activating the Bank of Baroda credit card as you can easily do by following the below steps carefully:
- Firstly, go to the Bank of Baroda website and login in your account using the user id and password.
- Then, you have to go inside the “Credit Cards’ ‘ section and tap on the “Activate Credit Card” option.
- Enter your credit card number and other required information.
- Click on the “Submit” button.
How to close the Bank of Baroda credit card?
You may want to close the account if you have a Bank of Baroda credit card and are no longer using it. Here’s how to do it:
- Call customer service at 1800 102 44 55 and tell them that you want to close your credit card account.
- The representative will likely ask you for your reason for closing the account. Be honest but brief in our response.
- Once your request is processed, you’ll receive confirmation that your account has been closed. Keep this documentation for your records.
- Keep in mind that there should not be any balance on your card. If there is, then you will have to pay it before your account.
- Once you paid the balance payment, you will receive confirmation that the account has been closed. Again, keep this documentation for your records.
That’s all there is to it! Closing a Bank of Baroda credit card account is a simple process that can be completed by calling customer service.
How to make a bank of Baroda credit card payment?
Bank of Baroda provides several ways to its customers to make credit card payments as they can choose any method which fits the best and their needs.
One payment method is through the bank’s online banking portal. As to do thile payment, the customers firstly have to login in their account by visiting the Bank of Baroda official website. Then, navigate inside the website and click the ‘credit card’ section. Now, they have to select the credit card and enter the amount that they want to repay.
Another way to repay the credit card balance via mobile phone. Customers can call the bank’s customer service number and speak to a representative who will help them process their payment.
Finally, customers can also make payments at any Bank of Baroda branch. They will need to take their credit card and ID to the teller window.
Keep in mind that you should repay the loan amount in time to avoid late fees and damage to your credit score. If you are having trouble making a payment, please contact the Bank of Baroda’s customer service department for assistance.
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How to login to a Baroda credit card?
If you’re a Baroda credit cardholder, you can log in to your account online to check your balance, view transactions, and more. Here’s how:
- Go to the Baroda credit card login page (link) and login in your account using the User ID and Password.
- Then, you simply have to tap on the “Login” button.
- If you login for the first time, then it may ask you to create a new password. To create it, you have to follow the instructions on the screen to do so.
- Once you’re logged in, you’ll be able to view your account information and transactions and manage your account settings.
Furthermore, if you face difficulty while logging in the account, then you have to contact Baroda customer service for assistance.
Bank of Baroda credit card Customer Care
If you need to get in touch with the Bank of Baroda credit card customer care team, there are a few ways to do so. First, call 1800 102 4455 which is the bank of Baroda customer care helpline or you can also mail the issue at cardservices@bankofbaroda.com.
The Bank of Baroda credit card customer care team is available 24 hours a day, 7 days a week, to help you with any queries or issues that you may have. The customer will help you in any issues you face like issues while activating the card, making payment or repayment, login issue, and many more.
My name is Card-Topedia, and I’m the author of Cardtopedia.com, a blog about credit cards and banking. I’ve been passionate about fintech since graduating from university with an honours degree in finance. I currently live in London but have experience living and working abroad in several countries including Germany and Australia. With my financial background and personal experience, I’m passionate about helping people make informed decisions when it comes to credit cards and banking products. Through Cardtopedia, I provide unbiased reviews, tips and advice on how to maximize rewards while minimizing fees. My goal is to help readers simplify their finances so they can focus on what matters most – achieving financial freedom!