BoB Financial - Bank of Baroda Credit Card

Key Features

Reward Points on Spends

Earn 2 Reward Points for every 100 spent on select MCCs^*

Earn 4 Reward Points for every 100 spent on all other MCCs^* (Max. 800 Reward Points per Statement Cycle)
Fuel Surcharge Waiver**

1% fuel surcharge waiver at all fuel stations across India on transactions between Rs.400 and Rs.5,000 (Max. Rs. 250 per statement cycle).

Note - No Reward Points are earned on fuel transactions.
Make Swavlamban Lifetime Free

Spend Rs. 2,500 within 60 days and Rs. 12,000 in a year for reversal/waiver of annual fees

Easy EMI Option

Convert purchase of > 2,500/- on your card into easy EMIs of 6/36 months

Other Benefits

Free Add-on card

Get up to 3 lifetime free add-on cards for your spouse, parents, siblings or kids (above age 18)
In-built insurance cover

Get free Personal Accidental Death Cover to ensure financial protection of your family
Zero liability on lost card

Report loss of card immediately to ensure zero liability on any fraudulent transactions

Interest free credit facility

Avail up to 50 days of interest free credit from the date of any purchase
Revolving credit facility

Pay Minimum Amount Due and finance your spends as per your convenience
Redeem Reward Points for Cashback

Fee

Fee Type	Fee	Reversal/Waiver criteria*
First year Fee	Rs. 250. Life Time Free*	Spend Rs. 2,500 on your card within first 60 days of card setup date for first year fee reversal. Fee reversal will reflect in the 4th bill statement from the card issuance month, provided all due payments are made.
Annual Fee	Rs. 250 Life Time Free*	Spend Rs. 12,000 on your card in a year for fee waiver

5X Rewards Terms & Condition

For crediting 5X Reward Points on eligible transactions, the Credit Card issuer (BOB Financial in this case) relies on the correct Merchant Category Code (MCC) identifier provided by the merchant acquirer (provider of the card acceptance service to the merchant). These flags/identifiers are as per rules laid out by the card networks (Visa, Mastercard, RuPay etc.). If the merchant acquirer does not send the flag/identifier or sends an incorrect flag/identifier, BOB Financial will not be able to identify such transactions as eligible transaction for 5X reward points benefit, resulting in awarding of only regular Reward Points (and not 5X) on such transactions.
The sub categories and their respective MCCs for spend categories eligible for 5X Reward points include the following:
- Grocery: 5411
- Departmental store: 5311
- Movies: 7832
The category of purchase will be decided on the basis of the Merchant Category Code (MCC) for the merchant establishment where the purchase is made. BOB Financial reserves the sole right to decide on whether a purchase meets the eligibility criteria as listed above.
BOB Financial is not liable for any disputes that arise due to differences in merchant category code mapping maintained by acquiring banks. Cardholder is requested to validate Merchant Category Code (MCC) from the merchant before making swipe on his card. Only the above listed MCCs shall entitle the cardholder for Accelerated Reward Points on his card.
Posting of additional Reward points is an automated process and the same will reflect in the next monthly statement.

Important Information - BoB Credit Cards are currently being issued for the billing cycles of 1st or 16th of the month as per BFSL's discretion. The cardholder has a one-time option to change the existing billing cycle as available. Cardholder may write to crm@bobfinancial.com for a change in the billing cycle. By applying for a credit card, I authorize BoB Financial & its representatives to call me or SMS me with reference to my request. This consent will override any regristration for DNC / NDNC. I also understand providing credit card is at the sole discretion of the Company.

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Key Features

Reward Points on Spends

Fuel Surcharge Waiver**

Make Swavlamban Lifetime Free

Easy EMI Option

Other Benefits

Free Add-on card

In-built insurance cover

Zero liability on lost card

Interest free credit facility

Revolving credit facility

Redeem Reward Points for Cashback

Fee

Statutory Links