Bank Of Baroda Select Credit Card is one of the premium card offerings from the bank. This card is offered on the Visa Platinum platform by the issuer. This card is too good for online spending, bill payments, and dining. I have recently reviewed the Bank Of Baroda Premier Credit Card also which is good for travel and dining categories.
Charges and Welcome Benefits
|Joining Fee||₹750+GST = ₹885|
|Joining Fee Waiver||Spend ₹7,500 on your card within the first 60 days of the card setup date for first-year fee reversal*.|
|Annual Fee||₹750+GST = ₹885|
|Annual Fee Waiver||Spend ₹70,000 on your card in a year for an annual fee waiver*.|
Fee reversal will reflect in the 4th bill statement from the card issuance month.
*Currently, BOB is running a limited period offer and offering unconditional LTF offers on many of their cards. We are also sharing with you an exclusive referral link for all the TechnoFino readers with a commitment that we will be helping you in the application process if you apply using our referral link. For any queries related to the application, you can raise them here on the TechnoFino Community. So what is stopping you from grabbing a BOB card?
Reward Points Accrual
|Spends Area||Reward Rate||Capping|
|Dining, Utility bills, Online spends||5RP/ ₹100||1000RP/Month|
|All other Spends*||1RP/ ₹100||None|
- *Reward program not applicable on Fuel, EMI transactions & Cash withdrawals.
Reward Points Redemption
|Spends Area||Reward Rate|
|Dining, Utility bills, Online spends||1.25%|
|All other Spends||0.25%|
- 1 Reward Point = ₹0.25p
- Reward redemption charges are absolutely zero.
The card is great for Dining, Utility bills, and Online spending. The reward rate in other categories is very poor. The USP is that reward points can simply be redeemed as a statement credit for 25p per point that too without any redemption charges which is a great feature as most banks are nowadays charging for direct cash redemptions.
For the Dining, Utility bills, and Online spending, a spend of ₹20,000 per month will give you a cashback of ₹250.
Fuel Surcharge Waiver
1% fuel surcharge waiver at all fuel stations across India on transactions between ₹400 and ₹5,000
- Max. surcharge waiver ₹250 per statement cycle.
- No Reward Points are earned on fuel transactions.
Standard forex charges of 3.5% + GST applicable.
- Indian resident
- Age 21 to 65 years
- Monthly Income 40,000.
Generally, they are not very strict with these criteria.
Customer Care Details
For feedback/suggestions/complaints/requests the customer can contact BOB Financial @ 1800-103-1006 / 1800-225-100 or write at firstname.lastname@example.org from your resgistered mail-id.
The joy of holding a BOB card lies in its offers whether it’s the 20% cashback on CRED club, 12-15% on flights/hotels via EaseMyTrip, Yatra.com, or even 5% cashback on bill payments via Amazon Pay. BOB is running a 5% cashback offer on utility bill payments for the last 2 years continuously on Amazon through which we can even book a gas cylinder at 5% off!! Even though it is a lending arm of a PSU Bank but is phenomenally aggressive when it comes to tie-ups with merchants.
You must have heard bad things about their service but honestly, my experience has been just okayish with them. The only funda I use in dealing with them is that I simply send all the complaint details in the first mail itself so that even if they take the time they have all the details to get it resolved ASAP. They do take good time sometimes but they resolve it satisfactorily.
So what is stopping you from applying for an LTF credit card with so many benefits?
How has been your experience with BOB Credit Cards? Share your thoughts below!
Chief Editor, TechnoFino.
Personal finance nerd! Physics enthusiast and trainer. When I am not into Physics, I am minting points and hunting for the next credit card for myself. I can help you choose the best credit card for you!