Bank of Baroda Select Credit Card Review

By | April 6, 2021

Craving for a Credit Card like Bank of Baroda Select Credit Card? Must read our full review on Bank of Baroda Select Credit card before getting any CC Deal.

Bank of Baroda Select Credit Card

Fees

Particular Description
Joining FeeINR750+GST
Joining Fee WaiverSpend INR7,500 in 60 days
Renewal FeeINR750+GST
Renewal Fee Waiver Spend INR70,000 in 1 year

Bank of Baroda Select Card Benefits

  • It provides 5X Reward Points on spending Rs.100 Dining, bills; Online spends or at Groceries
  • 1RP on spending Rs.100 on other categories
  • On making five transactions of more than Rs.1000 per month, you will get 1000 RPs.
  • 1% fuel surcharge waiver on min. of Rs.400 to the max. Rs.5000 at all the fuel stations across the country.

Features of Bank of Baroda Select Card

  • BOB also offers you 3 free add-on cards as LTF for your family members
  • Get a free Personal Accidental Death Cover to ensure the financial protection of your family
  • Zero liability on lost card
  • Revolving credit facility

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Eligibility

  • Age: 18 years – 60 years
  • Occupation: Available for both self-employed as well as a salaried individual
  • Monetary Requirement: Rs.25,000 per annum for salaried as well as self-employed

Documents Required

  • Identity Proof: 
    • PAN Card,
    • Aadhar Card,
    • Voter’s ID Card,
    • Driving License,
    • Ration Card
  • Address Proof: 
    • Aadhar card,
    • Voter’s ID,
    • Ration Card,
    • Electricity Bill,
    • Lease/Rent Agreement,
    • Utility Bills
  • Income Proof: Salary Slip of last 6 months
    • Bank Statement of last 12 months
    • ITR of an annual year

How to apply?

You can apply for the card in the following manner:

  1. You have to visit the Bank of Baroda website or nearby Bank of Baroda branch to apply for the card.
  2. Fill up all the information to apply for the card
  3. Submit all the necessary documents required for the credit card

Our Suggestion

That is an elementary card that comes with a low joining fee & low rewards. The best you can make out of this card is by using it for paying for groceries or at a partner merchant.

There is nothing more offered on this card; it lacks lounge access or other special vouchers. You can take this if you are looking for a card with a low fee.

Strength-Weakness

Strength Weakness
Low joining fee Low rewards/ no attractive offers
5X rewards on few transactions

Bottom Line

This is a perfect entry level card for beginners if used properly. The card is able to give amazing rewards if you are able to get best out of it. Make most of your purchase with this, load wallets with this card and more. the more you spend the more you earn as reward.

The customer service of BOB is not much appreciable.


FAQ’s

Can a non taxpayer get a BOB Select credit card?

Yes, you can apply for a BOB card even if you are not a taxpayer. But the eligibility is required to be made to verify the card. It would be best if you also were a PAN cardholder, and proof of income is the most important thing you should possess.

When will I get replacement of the lost card?

First, you have to request to block the stolen card and re-issue a new one. Once your request has proceeded, you will get replaced card within one week of making the request.

Do we get separate limit on add-on card?

No, an add-on cardmember is required to share the same limit with the primary cardholder

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