Bank of Baroda Credit Card

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Deal Newbie
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Hello Dimers,

I wanted to apply for a bank of baroda premier credit card after seeing lots of offers from them. Dimers having bank of baroda credit cards, Could you please help me with the redemption options and credit limits that they give based on salary or other credit cards??

I don’t have a bank of baroda account. Other credit cards with limits close to 4 lakhs, and salary around 80k per month.

38 Comments  |  
12 Dimers
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Deal Newbie
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If you want to use online, then select card is best,because on online transaction you will earn 5 times reward and in a month 4 transaction of 1000 and above online or offline will fetch you 1000 bonus reward points and 1 rp is equal to 0.25 paise. You can redeem it as statement credit in credit card net banking option

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Deal Subedar
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I think BOB saving account/relationship is mandatory for Credit Card

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Deal Newbie
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If you are salaried person, account is not mandatory

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Deal Newbie
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dlhntr wrote:

I think BOB saving account/relationship is mandatory for Credit Card

I think we can open BOB saving account online.

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Deal Newbie
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I cannot see this. Is it mentioned anywhere??

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Deal Newbie
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Yes it looks good too. But I guess they’ll send the card with a very low limit, so wanted to apply for premier.

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Blogger
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open an account
maintain 25k or above
apply online for credit card
you will get call
salary or ITR is MUST
if Bob Branch is near you
go directly whether they are interested in issuing cc or not first and then proceed

else look somewhere else
cibil must be 725+

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Deal Newbie
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rogerthat wrote:

open an account
maintain 25k or above
apply online for credit card
you will get call
salary or ITR is MUST
if Bob Branch is near you
go directly whether they are interested in issuing cc or not first and then proceed

else look somewhere else
cibil must be 725+

Thank you so much for the reply.
For now, I don’t want to open an account with them. Cibil is 776. Will try to visit the branch directly and then try.

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Deal Newbie
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credit.hunter098857 wrote:

I cannot see this. Is it mentioned anywhere??

Click on most important terms and conditions.

Credit Card

A complimentary “chip based card” (Credit card) will be issued. No issuance charges for 1st year. In case of joint account the card will be issued to the 1st account holder. Minors are not entitled for credit card. Card issuance is subject to fulfilling the eligibility norms at the sole discretion of BOBCARDS.

There is this point.

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Community Angel
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niteshladia661 wrote:

If you want to use online, then select card is best,because on online transaction you will earn 5 times reward and in a month 4 transaction of 1000 and above online or offline will fetch you 1000 bonus reward points and 1 rp is equal to 0.25 paise. You can redeem it as statement credit in credit card net banking option

5 transactions of Rs. 1000 gives 1000 bonus points.

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Deal Cadet
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Finally after one time rejection got the Bob select card… earlier applied through salary and ITR but it was rejected…this time applied through salary only and got the card… @rogerthat

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Blogger
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suman1520 wrote:

Finally after one time rejection got the Bob select card… earlier applied through salary and ITR but it was rejected…this time applied through salary only and got the card… @rogerthat

i have also received card

problems facing

even with auto debit setup amount not debited.

later on I paid manually via upi but still getting calls and SMS that bill is unpaid.

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Deal Cadet
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rogerthat wrote:

i have also received card

problems facing

even with auto debit setup amount not debited.

later on I paid manually via upi but still getting calls and SMS that bill is unpaid.

How are you using it to maximize the benefit..

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Blogger
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suman1520 wrote:

How are you using it to maximize the benefit..

i m not using it much

just 1287 spent on Amazon Pantry thats it

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Deal Cadet
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rogerthat wrote:

i m not using it much

just 1287 spent on Amazon Pantry thats it

Ok.. planning to get fee waiver and 1000 bonus points every month..

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Blogger
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suman1520 wrote:

Ok.. planning to get fee waiver and 1000 bonus points every month..

my is ltf so no worries.


don’t for get to setup auto debit from credit card net banking

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Deal Cadet
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rogerthat wrote:

my is ltf so no worries.


don’t for get to setup auto debit from credit card net banking

Why auto debit is necessary?

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Blogger
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suman1520 wrote:

Why auto debit is necessary?

late payment fees and penalty interest in case u forget or network issues.

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Deal Cadet
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rogerthat wrote:

late payment fees and penalty interest in case u forget or network issues.

Ok..I never forget any payment..have 9 cards now

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Deal Newbie
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rogerthat wrote:

i m not using it much

just 1287 spent on Amazon Pantry thats it

Is BOB card offered on card 2 card basis?

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