Billing

• The company follows the pattern of monthly billing cycle and sends bill at mailing address once in a month comprising details of transactions and/or payments made during that cycle. The bill date is 1st of every month and due date is 20th of the same month. Non-receipt of bill would not absolve you of your obligations and liabilities under this Agreement and you shall be solely liable to settle the outstanding balance on the Card within the due date.
• BOBCARD offers revolving credit facility subject to regular payment of at least the minimum dues. The total or minimum payment due amount is to be paid on or before the payment due date, as indicated in the bill. Bills/Statements can also be received on e-mail. For SMS alert and e-bill facility, update your e-mail id and mobile number at crm@bobcards.com.
• Non-payment of the minimum amount due by the payment due date shall render Cardholder liable to risk of withdrawal or suspension (whether temporarily or permanently) of the credit facility. The company may at its sole discretion also instruct the Merchant establishment for not to honor the credit card transaction.
• Cardholder may pay more than the minimum amount due/total outstanding balance before the payment due date, more than once during the billing period.
• In the event of part payment the balance outstanding amount payable shall be carried forward to subsequent month which will attract Service charges and Taxes i.e. Goods & Service Tax (GST) till the date full and final payment.
• The payment may be made by way of Demand Draft, Cheque or Cash (at BOB branches only) or online thru bill desk. Bank of Baroda customers may pay thru e-banking. Outstation cheque/drafts if received may attract processing fees which may be charged by bank at its sole discretion without notice. Card holders may deposit payment at any of the Bank of Baroda branches or BOB Cards Area office.
• In case of dishonoring of cheque, the card privileges may be suspended/terminated without notice and cheque return charges as mentioned in the tariff of charges shall be levied to the card account, at the sole discretion of Company as per prevailing rates. The company also reserves the right to initiate any appropriate legal action.
• Duplicate monthly bills on specific request is provided by the Company. Duplicate Bill charges as applicable will be debited in the subsequent bill.
• Appropriations: The payments made by Cardholders shall be appropriated in the following order of Taxes, Fee and other charges, Service charges, Cash withdrawal and lastly Usage.
• Cardholder is advised to promptly communicate any change in billing address or contact numbers along with the documentary proof immediately to ensure receipt of bill/communications regularly and timely. The card holder shall be solely liable for any/all misuse that may arise due to wrong delivery of card, unless the new address has been communicated to the company and confirmation of the same has been received from the company.
• Payment towards the card account may be made in any of the following ways-
  • By mailing the cheque or draft to any of the mailing addresses provided on the reverse of the statement.
  • Direct payment at Bank of Baroda branch or BOB Cards Area Offices.
  • Auto Debit instructions (only to Bank of Baroda Customers).
  • Online payment by registering or login on https://online.bobcards.com Through Billdesk

The cheque/draft should be made payable to "BOBCARDS A/c Number XXXX XXXX XXXX XXXX”. The cardholders are advised to mention their Name & Contact NOs. on the back side of cheque/Demand Draft.