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How to get a credit card from Bank of Baroda — Bank of Baroda Credit Card has many benefits. Such as ticket booking, shopping, traveling and payment by credit card in case of non-availability of cash whose bill has to be paid at the end of the month, etc. That’s why you must have Bank of Baroda Credit Card. But most of the account holders are not aware of making a credit card.
Creating a BOB Credit Card is very easy. You can apply online sitting at home. But most of the account holders do not know its correct procedure. That’s why, we will tell you how you can get a credit card in Bank of Baroda and know what are the documents, eligibility required to get a credit card in Bank of Baroda? So let’s start. (bank of baroda credit card apply)
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How to make Bank of Baroda Credit Card?
Step-1 Open BOB Financial
BOB Financial Bank of Baroda has provided a separate site link for credit card through which you can apply for Bank of Baroda credit card. First of all, you have to search BOB Financial on your browser and reach the official website which is shown in the picture.
Step-2 Select apply now button
After opening this site you will see many Bank of Baroda credit cards. You can know the features of the credit card by selecting the know more button. After this, to apply for the credit card that fits you, now you have to select apply now.
Step-3 Fill your personal information
After clicking on Apply now, now you have to fill your personal details like name, last name, mobile number, email id, date of birth, pen card number, pin code etc. and agree to the term and condition. After that click on Generate OTP.
Step-4 Verify OTP code
Now OTP code will come on your mobile number. You have to enter it in the prescribed box and click on Verify OTP.
Step-5 Fill occupation and annual income
Now a page called let’s get verified will open in front of you, in which you have to enter your occupation details such as whether you are self-employed or salaried and your annual income and your bank details.
Step-6 Enter business details
Now you have to provide your employment status, in which company name, work address etc. details have to be entered and select continue.
Step-7 Select the credit card
After this you will be shown the card after congratulating, with which the card limit will be shown and below you will be shown the benefits of the card etc. If more than one card is shown, then you have to select the appropriate card for you and select the Continue button.
Step-8 Fill additional information
After clicking on Continue, now you will be asked for additional details like – Marriage Status, Alternate Mobile Number, Mother Name, Father Name etc. details have to be entered and click on Proceed.
Step-9 Apply for Credit Card
Now if you want to order a card for your family also, then click on Yes. Otherwise select the no button. There is no extra cost to you for these cards.
Step-10 Submit Application
Now if you want Direct Benefit DBT, then fill your address by doing Yes, otherwise select No. Now you are asked below, whether someone has helped you, in which you have to click on no and select the submit button.
Step-11 Upload Documents
After clicking on submit, now you will be asked for proofs of documents. In which photo, identity proof, address proof, income proof. You have to upload all these proofs and click on Submit & Proceeds.
Step-12 Accept the term and condition
After this, some term and condition of using Bank of Baroda Credit Card will come in front of you. By agreeing to which you have to click on the option of accept.]
Step-13 Complete Aadhaar KYC
After this, KYC has to be completed by sending OTP on your Aadhaar card. After which you are redirected to the new screen. Where you are shown that your application has been submitted successfully and you are given the application number. Through which you can check the status of your credit card, how long it will reach you. Mostly it takes 3 to 4 weeks for the credit card to be delivered to your given address.
How to check Bank of Baroda Credit Card Status?
- (Step-1) You have to search BOB Financial on your browser, in which you will be shown the option of Track Application Status. On which you have to click.
- (Step-2) Now you have to enter the application number which was given last when all the details of the credit card were submitted online. You can also enter PAN card number, mobile number after which you have to click on get details. You will now be shown the application status of your Bank of Baroda Credit Card.
Bank of Baroda Credit Card Benefits
- You can avail a lifetime add on card for your family member along with your credit card.
- With your Bank of Baroda Credit Card, you can ensure financial security for your family by getting insurance coverage, that too free of cost.
- Bank of Baroda Credit Card offers strong security protection from frauds as the credit card is embedded with a security chip.
- A limit of up to 50 days is given on Bank of Baroda credit card, that is, you can use the credit card without interest for 50 days and the bill can be filled anytime within 50 days.
- With Bank of Baroda Credit Card, you can make instant payments like electricity bill, etc., sitting at home very easily.
- If you spend more than the annual fixed amount of the credit card, then the annual fee of your credit card is waived, but keep in mind that you must pay your credit card bill on time.
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FAQ’s bank of baroda credit card
What are the documents required for taking Bank of Baroda Credit Card?
Photos of you :-
Identity Card :- Aadhaar Card, PAN Card, Voter ID Card, Driving License should be any one of these ID.
Address Proof :- Aadhaar Card, Passport, Utility Bill for the last 2-3 months or any other government document that confirms your address.
Income Proof :- Bank statement of the last two to three months, Accounts of your business for the last two to three months, or your salary slip of the last few months.
What is the eligibility for Bank of Baroda Credit Card?
To get a credit card from Bank of Baroda, you must be above 18 and below 65 and you must have a substantial monthly income. The person should be self-employed or salaried. The annual income should be 3 lakh for easy card, 4.8 lakh for selected card and 7.2 lakh for premium card.
Does Bank of Baroda block the card for non-payment of credit card bill?
If you do not pay the bill for the last two months of the Bank of Baroda credit card, then only your credit card is blocked by the bank. So pay your credit card bill within the stipulated limit and you don’t get charged interest. But if you pay the bill after the due date, then you will have to pay interest, whose interest rate is also high.
bank of baroda credit card customer care number
Contact centre/toll free numbers 1800 258 44 55 or 1800 102 44 55.