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Bank Of Baroda

Bank Of Baroda Credit Card

Bank of Baroda credit cards offer a wide range of options tailored to meet diverse financial needs. From the premium Eterna Credit Card, which provides high rewards on online spends and luxurious lifestyle benefits, to the value-driven Easy Credit Card with simple rewards and low fees, each card is designed to maximize savings and offer exclusive privileges. Whether you're looking for travel perks, dining discounts, or everyday rewards, Bank of Baroda has a card to suit your lifestyle. Enjoy features like reward points, complimentary lounge access, fuel surcharge waivers, and annual fee waivers based on spending thresholds, making these cards an ideal choice for both new and experienced credit card users.

Bank Of Baroda Credit Card for everyone

  • All Bank
  • ICICI Bank
  • Axis Bank
  • AU Bank
  • HDFC Bank
  • HSBC
  • IndusInd
  • SBI
  • Amex
  • IDFC
  • Bank Of Baroda
  • Others
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LifeTime Free
UPI Rupay
Lounge
Reward
Movies
Fuel
Travel
Shopping
Dining
Luxury

Eligibility Criteria for Bank of Baroda Credit Cards

  1. Age:

    • Primary Cardholder: 21 to 65 years old.
    • Add-on Cardholder: Minimum age of 18 years.

  2. Income:

    • Salaried Individuals: Minimum monthly income requirement may vary depending on the specific credit card, typically around ₹20,000 or more.
    • Self-employed Individuals: Minimum annual income of ₹3 lakhs or more, depending on the card type.

  3. Employment Status:

    • Salaried Individuals: Must be employed with a stable source of income, usually requiring a minimum of 1 year with the current employer.
    • Self-employed Individuals: Should have a stable business income with a minimum of 2 years in the current business.

  4. Credit Score:

    • A good credit score is generally required, often above 700, to be eligible for most credit cards.

  5. Existing Relationship:

    • Existing Bank of Baroda customers with a good banking history may have a better chance of approval, especially for premium cards.

  6. Residential Status:

    • The applicant should be an Indian resident.

Required Documents for Bank of Baroda Credit Cards

  1. Identity Proof (any one of the following):

    • Aadhaar Card
    • Passport
    • Voter ID Card
    • PAN Card
    • Driving License

  2. Address Proof (any one of the following):

    • Aadhaar Card
    • Passport
    • Utility Bill (electricity, water, etc.)
    • Rental Agreement
    • Ration Card

  3. Income Proof:

    • Salaried Individuals:
      • Latest salary slips (last 3 months).
      • Form 16 or latest Income Tax Returns (ITR).
      • Bank statement showing salary credits (last 3 months).
    • Self-employed Individuals:
      • Latest Income Tax Returns with computation of income.
      • Audited financials for the last 2 years.
      • Bank statement for the last 6 months.

  4. Photographs:

    • Recent passport-sized photograph.

  5. Bank Statement:

    • Bank statement for the last 3-6 months may be required to validate income and stability.

  6. Credit Card Statement (if applicable):

    • Statement of any existing credit cards (if you are opting for a balance transfer or if required by the bank).

  7. Application Form:

    • Duly filled and signed credit card application form.

How To Apply For Bank of Baroda Credit Card

  1. Go to the EaseMyDeal website or app & Navigate to the credit card section
  2. Use the eligibility checker tool provided & based on this information, the platform will show you credit cards for which you are eligible.
  3. Compare different credit cards features such as annual fees, interest rates, rewards programs, and other benefits.
  4. Choose the credit card that best matches your needs and preferences.
  5. Click on ‘Apply button’ for the selected credit card.
  6. Enter your Name, Number & Email to get Extra EMD Cashback Benefits and submit OTP
  7. You will be redirected to the bank’s official website or a secure portal to fill out the credit card application form.
  8. Enter your personal details, contact information, employment details, etc., accurately.
  9. Review all the information provided and ensure it is accurate.
  10. Submit the application form.

Frequently Asked Questions

Bank of Baroda credit cards offer a wide range of benefits, including reward points on every purchase, cashback offers, fuel surcharge waivers, complimentary lounge access, and exclusive discounts on dining, travel, and shopping.

Bank of Baroda credit cards offer reward points on various transactions, such as retail purchases, online shopping, dining, and more. These points can be redeemed for gifts, vouchers, or discounts on future purchases.

You can check your credit card balance and transactions through the Bank of Baroda mobile banking app, internet banking, or by contacting customer service.

Yes, many Bank of Baroda credit cards offer annual fee waivers if you meet a specific spending threshold within a year.

Reward points can be redeemed through the Bank of Baroda online rewards portal. You can choose from a variety of redemption options, including gift vouchers, products, and travel bookings.

Yes, Bank of Baroda provides a balance transfer facility that allows you to transfer outstanding balances from other credit cards to your Bank of Baroda card at attractive interest rates.

Yes, Bank of Baroda offers an EMI conversion facility for large purchases. You can convert eligible transactions into easy monthly installments at attractive interest rates.

Yes, select Bank of Baroda credit cards offer a fuel surcharge waiver on transactions made at petrol pumps across India, typically with a monthly cap.

You can pay your credit card bill through multiple channels, including online banking, mobile banking, NEFT/IMPS, auto-debit, or by visiting a branch.

Yes, Bank of Baroda credit cards are accepted worldwide. You can use them for international transactions and cash withdrawals at ATMs globally.

Credit Cards Available for Bank Of Baroda