BOB Credit Card - Apply Online and Offline

Credit cards offer a unique way to upscale your lifestyle and manage day-to-day expenses. BOBCARD Limited, a wholly-owned subsidiary of Bank of Baroda, specialises in credit cards and offers an array of consumer and commercial credit products. These cards are tailored to help customers from all segments manage their diverse financial needs.

If you are an existing customer considering a card, it's important to familiarise yourself with how to apply for Bank of Baroda credit card. To help you choose the right card and ensure a smooth credit card opening, this guide will cover the eligibility criteria, required documents, and the steps for applying through both online and offline channels.

Bank of Baroda credit card eligibility criteria

Requirement	Details
Age	Applicants must be between 21 and 65 years old.
Residential Status	The individual must be an Indian resident.
Annual Income	The annual income varies depending on the credit card variant you choose.

Bank of Baroda credit card application documents

Mandatory Proof	A passport-size photograph with a white background and without dark or tinted glass, and a PAN card.
Address Proof	Aadhaar card (both sides), voter ID, passport, or driving licence.
Income Proof (for salaried)	Salary proof for the last two months, which includes bank statements showing salary credits. If you submit salary slips, you also provide the supporting bank statements.
Income Proof (for self-employed)	Bank statement (PDF file format) reflecting business transactions for the last 3 months.

Bank of Baroda credit card benefits

Use now, pay later: You can use your credit card’s limit for purchases and repay it within the specified due date.
Easy to carry: Bank of Baroda credit cards are made of plastic, making them easy to carry without adding weight to your wallet.
Contactless transactions: You can tap your BOBCARD on an NFC-enabled POS machine to make secure transactions.
Reward points: Earn redeemable reward points on every purchase made using BOBCARD and redeem them once you have a minimum of 500 points.
Exclusive cashbacks and discounts: By using your BOB credit card, you can get cashbacks and discounts from various partners across categories like shopping, dining, and travel.
Add-on card: You can give financial convenience to your loved ones with up to 3 complimentary add-on cards.
Pay in EMIs: You can turn your large purchases into easy and manageable monthly installments.
Cash withdrawal from ATMs: Your BOBCARD allows you to withdraw cash from any ATM located across India.

How to apply for a BOB credit card online

Visit the official Bank of Baroda credit card page
Scroll and explore the range of credit cards available
Click ‘Apply Online’ for the card that best meets your needs and eligibility
You will be redirected to a secure application site once you choose the ‘Proceed’ option
Fill out the application form, confirm the check boxes, and verify your identity with OTP
Provide your occupation, income, and address details, and select the best-suited card
Upload your KYC documents and income proof
E-sign your application using Aadhaar and then complete a real-time video KYC session to finalise the process

How to apply for a BOB credit card offline

Download and submit the online credit card application form at the branch, or request one
Complete the application form by filling out your personal information, occupation, and bank details
Fill out the declaration, attach a photocopy, sign the application form, and submit for verification
Once your application is processed, the credit card issuing bank will contact you with a decision
Once the application is approved, you will receive your new credit card within a few weeks

BOB credit card customer care support

BOBCARD Customer Support	Contact Details	Purpose of Contacting Customer Support
24/7 IVR self-service support	1800 2090 / 1800 1210 / 1800 2665 100 / 1800 2667 100	To block the card, generate/reset PIN/replace the card, or redeem loyalty points
BOBCARD customer portal	https://online.bobcard.co.in/	To view outstanding/transaction details, redeem rewards, avail exclusive offers, pay bills, and raise a complaint
BOBCARD app	https://bobcard.io/App	To manage card services, view account details, offers, and pay bills
24/7 WhatsApp support	7208476628	To start a conversation, drop a ‘Hi’
SMS service	9223172141	Send an SMS to ‘9223172141’ with the last 4 digits of your BOBCARD (XXXX) from your registered mobile number. For balance inquiry: SMS BAL XXXX For blocking card: SMS BLOCK XXXX For reward points tally: SMS REWARD XXXX For last statement: SMS STAT XXXX For setting a domestic E-Commerce limit to the credit limit: SMS DOM XXXX For last bill payment: SMS PAYMENT XXXX
Email support	Write at level 1: crm@bobcard.co.in In case of unanswered level 1 query, write to: escalations@bobcard.co.in	For unresolved BOBCARD queries, write to Level 1 support. If they do not resolve the issue within five working days, you can escalate it.

Read on: 10 Types of Credit Card Charges You Need to Know

BoB credit card offers co-branded, commercial, defence, and retail credit cards to best suit the varying needs of individuals. To make the right credit card choice, we have highlighted key eligibility criteria, required application documents, and most importantly, the steps on how to apply for Bank of Baroda credit card through online and offline channels.

After you have a credit card, you can use it to apply for a business or personal loan through Quid. It is an RBI-approved loan aggregator platform and can connect you with leading financial institutions and NBFCs to help you fulfill your financial goals.

Frequently asked questions

What is a credit card?

A credit card is a credit facility that lets you make purchases using money borrowed from financial institutions or banks with a pre-approved credit limit for both in-person and online purchases.
How to apply for Bank of Baroda credit card?

You can apply for a card either by filling out a credit card-specific application form on the bank's official website or by requesting one offline at your nearest Bank of Baroda branch.
What are the benefits of a Bank of Baroda credit card?

You can use your BOBCARD to carry out cash withdrawals, contactless transactions, redeem reward points, earn exclusive cashbacks and discounts, and much more.
How much can I redeem my credit card points?

Every card has a cash withdrawal sub-limit. You can contact the support number on the back of your credit card to confirm your cash limit.
What is the validity of reward points?

The validity of BOBCARD reward points is two years. However, with an Eterna BOBCARD, your reward points never expire, and you can redeem them at any time.