How Many BOB Credit Card Variants Are Available in The Market?

Bank of Baroda (BOB) has shown tremendous growth over the years in terms of brand identity and market capitalization also. No public sector bank has had a major transformation like the Bank of Baroda. It has grown to be one of the most distinguished public sector banks in India. Some months back, Bank of Baroda acquired Vijaya Bank and Dena Bank, taking itself a notch up in terms of market capitalization. This merger has brought Bank of Baroda as the third largest lender after SBI and ICICI Bank. Being one of the popular lenders in India, Bank of Baroda has designed a host of lending options for the convenience of the Indian customers. One such product is the BOB Credit Card. It comes with a host of benefits with exceptional reward structure that will make you want to use the card more often. Bank of Baroda has present four different variants in the credit card category. Before we unravel the four variants, let’s discuss the benefits you can derive from these credit cards.

What are the Benefits Offered by BOB Credit Card?

Easy EMI Options: BOB Credit Cards offer you a convenient way to pay where you can pay at your ease. Any transactions (except gold, jewellery, cash and fuel) above INR 2500 can be converted into EMIs for a period of 6 to 12 months. This convenience is offered to you at just 1.5% interest rate per month. There is an Instant EMI feature on BOB Credit Cards where you don’t have to purchase first and then make an EMI conversion request. Instead, BOB has tie up with thousands of merchants that provide you instant EMI service at their outlet.

In-Built Insurance Cover: Almost all the Bank of Baroda Credit Cards come with a complimentary personal death cover which is to ensure financial protection to the family of the credit cardholder.

Free Add-On Cards: You can request upto 3 lifetime add-on cards on your primary credit card for your family members. You can decide the credit limit to be provided on these add on cards. However, the primary credit cardholder will be liable to pay for all the other add-on cards.

Multiple Redemption Options:  The reward points gained out of BOB credit cards can be redeemed exciting cashbacks and amazing gifts & products from the rewards catalogue.

What are the BOB Credit Card Variants?

Easy Credit Card: This card rewards you the most on daily purchases, movies and bill payments. As the name suggests, it makes sure that it makes your life “easy” and exciting. Pay your bills with this credit card and 0.5% of your bill as cashback. Get 5x rewards on groceries, departmental stores and movie ticket bookings. Not only this, even 1% of your fuel surcharge is waived off for fuel transaction made between INR 400 to 5000. The card comes with zero annual fees.

Select Credit Card: This credit card is more of an entertainment delight. It offers rewards on dining, movie ticket bookings and shopping. Shop online and get loaded with rewards using this BOB Credit Card. For every INR 100 spent on shopping, dining, etc, you earn 5 reward points. Upon these handsome rewards, you also get 1000 reward points every month. The fuel surcharge offer holds for this credit card.  Annual fees is waived off if you spend INR 70,000 in the 1st year and INR 7500 within 60 days.

Premier Credit Card: If you’re someone who cherishes travel and dining, you can make the most out of this card. Earn 10 reward points on every INR 100 spent on travel and dining. Let all your tiredness go away by having access to complimentary airport lounge access to 38 airport lounges. 24X7 Concierge Services to assist you with your travel and dining needs. Enjoy premium lifestyle benefits like, get access to golf programs.

Prime Credit Card: There is no joining or annual fees to use this awesome BOB Credit Card. Yes, this is a lifetime free credit card. It surely offers the most amount of cashback as compared to the above mentioned cards. Get 1% cashbacks on all spends. Enjoy 1% of fuel surcharge waived off for fuel transactions made between INR 400 to 5000.