BoB Financial has come up with a new Credit Card, the Bank of Baroda Premier, which is designed to give you lots of benefits at a low cost. It comes with zero joining and an annual fee, and you can get up to 10 reward points for every Rs.100 you spend. You can use those points to get cash credit or other options. Plus, you get free visits to certain airport lounges every quarter. The card used to cost Rs.1,000 each year, but now the issuer is waiving that so you can get all the benefits without any extra cost. Other benefits include a fuel surcharge waiver and personal accident insurance.
The joining fee is R.1,000 inclusive of applicable taxes, while the renewal fee is Rs 1000 inclusive of applicable taxes. This is the best option for travel and dining.
Bank of Baroda Premier Credit Card
Convenient for
Travel or dining
Joining fee
Rs 1000 + GST
Reward Type
Reward Points
Product Details
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Every Rs 100 spent across all categories earns you two reward points.
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5x reward points on eating, travel, and international transactions.
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Domestic lounge access is complimentary at certain airports.
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Personal accident death insurance advantages.
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Waiver of 1% fuel levy on all fuel transactions in India.
Features and Benefits Bank of Baroda Premier Credit Card
Bank of Baroda’s Premier Credit Card is a straightforward card with a reasonable reward rate, and is one of the most sought-after cards available on RuPay. The card offers a range of features and benefits, including the following:
Additional benefits
- Get the best of the best with this top-of-the-line credit card! You’ll get free access to over 35 airports in 22 cities in India, plus 24-hour concierge help. Plus, you’ll get a free annual fee waiver if you spend Rs 10,000 within the first month of using the card. And if you spend Rs 1.2 lakhs or more in a year, you’ll get your annual fee reversal back.
- If you buy something with your card that’s more than Rs. 2,500, you can pay it back with a simple monthly payment. You can repay this for 6 or 12 months.
- It is possible for cardholders to purchase up to three supplementary credit cards that offer the same advantages as their primary card. These supplementary credit cards are offered for free for life. Additionally, spouses, parents, siblings and children over the age of 18 may also benefit from supplementary credit cards.
- If you’re looking for a way to protect yourself and your family financially, the BOB Premier Card is the way to go. It comes with personal accidental death insurance, and you can get it for free. Plus, you don’t have to worry about losing your card – just report it within 24 hours and you won’t be held responsible for any fraudulent transactions that happen afterwards. And don’t worry, you can borrow money for up to 50 days with no interest – just pay the minimum and you’re good to go!
Travel Benefits
Waiver of fuel surcharge
Reward points
Redeeming the reward points
Benefits of HDFC Bank INFINIA Credit Card Metal Edition
The HDFC Bank INFINIA Credit Card Metal Edition offers a range of benefits to its cardholders, which include:
High credit limit:
Complimentary airport lounge access:
Fees and Charges Bank of Baroda Premier Credit Card
- The card has a Rs. 1000 membership charge and an annual fee plus taxes that can be waived if the target spend amount is met.
- The card has a monthly interest rate of 3.25%, or 39% per year.
- The card charges a 3.5% currency markup fee on all transactions.
- The cash withdrawal fee on the card is 2.5% of the amount or Rs. 300, whichever is greater.
- Add-on credit cards are not charged any fees by the card.
Application procedure
We can apply for this credit card both online and in person.
Mode of Operation: Online
Step 1: Go to the official website at www.bobfinancial.com/prime.jsp.
Step 2: Look for the Bank of Baroda Premier Credit Card in the credit cards area.
Step 3: Once you’ve found the card, click the ‘Apply Now’ button.
Step 4: Fill out the needed information and submit the required papers.
Step 5: Once all of the requirements are completed, click the Submit button.
Mode Offline:
To apply offline, the applicant must go to the nearest bank branch and fill out the credit card application form, as well as provide the relevant facts and documents.
Eligibility requirements Bank of Baroda Premier Credit Card
- In order to apply for this credit card, you must have a minimum monthly income of Rs.60,000.
- You must be 18 years of age or older for salaried employees and 65 years of age for self-employed employees.
Required documentation
The following documents are required for BOB Premiere Credit Card:
Identity proof:
- Voter’s Card
- Aadhar Card
- PAN Card
- Passport
- Driving License
Address Proof:
- Utility bills of the last 3 months,
- Ration Card,
- Aadhaar Card or Passport
Income Proof
The last 3 months’ salary slips/Bank statements, or the last audited ITR.
Closing words
BoB Premier is a highly sought-after travel card from BoB Financial. It offers a range of benefits and privileges within the travel category, including 5x reward points for travel dining and international expenditure. Additionally, it is one of the few credit cards available that offers complimentary lounge access with no annual fee. This card has become a popular choice for those who regularly travel within the country, offering a competitive reward rate and a range of travel benefits.
Frequently asked questions related to Bank of Baroda Premier Credit Card
If the balance is lower than Rs. 200, there are no late fees to be paid.
Yes, only non-delinquent credit cardholders are eligible for the joining or yearly fee waiver.
No, you do not have access to international lounges with this credit card.
Because the card is free for life, no Spend Based Waiver is necessary.