Bank of Baroda Select Credit Card Review – Benefits, Limit, Eligibility

bob select credit card
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BOB Select Credit Card Review – Another Popular Rewards-Based Card Issued By Bank of Baroda Financial. it is an entry-level 5X reward-based Credit Card for beginners. it allows getting upto 5X Reward Points on every ₹100 spent on Dining and Online Purchases. Furthermore, it also provides 1X Reward Points on 100 or Above spent on all other categories of purchases.

It could beneficial card for you to get rewards on online shopping and additional benefits such as Fuel Surcharge Waiver, Multiple redemption options, and Zero annual fees basis card usage.

The card offers a Contactless Payment Method to do any transactions up to ₹5000 as per RBI Regulations, without putting Secret Digit PIN. it comes with a reversal/waiver of annual fees with conditions, you have to Spend ₹7,500 within 60 days and ₹70,000 in a year to get the Annual Fees Waiver Benefit.

Apart from these, It supports all additional Bank of Baroda Features, For instance,

  1. 3 Lifetime Free Add-on card
  2. In-built insurance cover
  3. Zero liability on lost card
  4. Upto 50 Days Interest-free credit facility
  5. Revolving credit Feature
  6. Multiple redemption options
  7. Easy EMI option

Through this Article, we will share with you a brief review of the BOB Select Credit Card, which can find all solutions to your queries related to the Bank of Baroda Select Credit Card. for instance, limit, airport lounge access, benefits, charges, eligibility, and more.

The Benefits And Review of the BOB Select Credit Card

Table of Content

Bank of Baroda (BOB) Select Credit Card Highlight Factors

Bob Select Credit Card
Card TypeLOW-END Card And Online spending card
Best SuitableRewards on Shopping + Online Spending
Card Benefits &
– Up To 1% Fuel Surcharge Waiver on fuel purchase transactions in between ₹400 and ₹5,000.
– Redeem your Earned Bank of Baroda Reward points as cashback and other Various options
– Easy EMI option Convert your all transactions up to ₹2500 And Above into monthly Simple EMI.
– Spend 7,500 within 60 days and Annual Fee Waiver Benefit
– Free Add-on card for Upto 3
– free Personal Accidental Death Cover
– Zero liability Facility on any fraudulent transactions
– Up to 50 days of interest-free credit facility
– Revolving credit facility
Reward Points or Cashbacks– Earn Up To 5X Reward Points on every ₹100 or Above Spent on Online And Dining Categories Shopping (Capped at 1,000 Reward Points)
– Get 1 Reward Point for EACH And every ₹100 spent on other categories
– Get 0.5 Reward Points on ₹100 and up spends on Selected MCCs.
– No Rewards on fuel transactions
Welcome GiftBOB Reward Points Or Cashback on Daily Expenses in All Categories
Annual Fee WaiverMake transactions upto ₹7,500 within 60 days and ₹70,000 in a year To Get Annual Membership Charges Waiver Facility

What Are The BOB Select Credit Card Offers And Benefits

Bob Select Credit Card

Bank of Baroda Select Credit Card is another awesome card for you to get rewards on each purchase for you. it is mainly focused on providing rewards for online spending and dining bills. it allows you to get upto 5X Rewards on each purchase of upto ₹100 Selected Online and Dining spending. moreover, it provides 1 Reward point on every transaction upto ₹100 on other categories and 0.5 Rewards on Select MCCs.

It supports bank of Baroda Features and benefits –

  • Fuel Surcharge Waiver – Get a 1% Waiver across fuel stations in India (29 States)
  • Zero Annual Charges – Spends up to 7500 and 70000 In a Year To Get Zero Annual Fee Waiver
  • In-built insurance coverfree Personal Accidental Death Cover as an In-Built Insurance Cover
  • Zero liability on the lost card – Report Immediately and Get Stolen Card Protection
  • Revolving credit facility – Pay the Minimum Amount Due
  • Interest-free credit facility –  Total 50 days of the interest-free period

The First year Fee is ₹750 Which comes with the facility of an Annual Fee Waiver with Reversal/Waiver criteria, you have to use the card and Spend ₹7,500 on your card within the first 60 days to get First Year Fee Waiver Benefit. Furthermore, you have to Spend ₹70,000 within the previous year To Waive your Annual charges.

Discounts And Reward Points

Reward Points & Cashback On CardExplanation
Online Transactions5X Reward Points Per ₹100 or Above Dining and Online Spends
Offline Transactions1 Reward Point Per ₹100 or Above Transactions on other categories of shopping
Stolen Card Insurance coverReport the loss of card immediately and get Zero liability Support on the lost cards and any fraudulent transactions
Fuel Surcharge Waiver– Fuel Surcharge Waiver across India and all fuel stations
– Capped at up to ₹250 per statement cycle
– 1% Fuel Surcharge Waiver on each transaction between ₹400 and ₹5,000
– No Reward Points on fuel shopping
Domestic Airport Lounge Access LimitNot Available
International Lounge Access LimitNot Available

Additional Features on BOB Select Credit Card

Additional FeaturesDescription (Details)
Add-on Card– Apply and Get up to 3 LIFETIME FREE Add-On Card for Wife/Husband, parents, siblings, And kids (Eligible Age Required is 18 Years)
EMI Facility– Post Purchase EMI option For Convert any retail transactions
– No Extra Cost EMI Available
– Convert Big purchases up to ₹2500 and Above into monthly EMI 6/36 Months
– GOLD, JEWELLERY, FUEL & CASH Purchases won’t be converted
Contactless PaymentYes, it supports Contactless Transactions

Set Card Control
Use the Bank of Baroda Mobile App to Control Your All Bank of Baroda Credit Cards
Foreign Currency Mark up2.75%

How to Use Reward Points Redemption

You can redeem your Earned reward points and bonus reward points into direct cashback and other thrilling options

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What Are Card Charges and Fees

List of ChargesOverview
Welcome BenefitsRewards on Online/offline Purchases
Annual Fees on The CardIn Limited Time Period Offer You can get this Free For Lifetime with No Annual charges
First Year Fee₹750 Per Year + GST
– With First Year Fee Waiver
Joining Charges₹750 + GST
Taxes And ChargesGST Tax
Finance Fees (Interest Rate) – 3.25% per month
– 39% Annually
Late Payment FeeThe late payment charges will be ₹300 to ₹500 as per the total overdue payment
Replacement Card₹100 Per Replacement
Foreign Currency Mark Up2.75% of total transaction payment
Add-on cards 3 lifetime-free add-on cards
Free Credit PeriodUp to 50 Days

What Are the Eligibility Criteria For SELECT Credit Card By Bank of Baroda?

The applicant must be 21 years at least to get the card. As I Already Said, it is an entry-level card therefore, anyone who earns a salary of ₹12,000 or More can submit the application to get the card. moreover, it is available for both salaried individuals and Self-Employed.

the additional criteria you must have to follow to get fast approval. such as A Good Credit Score of upto 750 and must be Resident of India.

Eligibility CriteriaOverview
Only ForSalaried, Professionals, Self-Employed
Should be a resident of IndiaYes
Your Age Must Be For Primary Card21 years to 65 years
Add-On Card18 years and above
Minimum Salary Requirement₹12,000 Per Month (ITR, Salary Slip, Form 16 Documents May Ask Required)
Credit ScoreMust have a Good Credit Score Upto 750

Bank of Baroda may ask the documents such as PAN Card, Aadhar Card, And ITR To complete the process and get delivered to your registered Communication Address. below, we mentioned the list of documents that BOB Bank will ask for –

Airtel Axis Bank Credit Card Eligibility
BOB Select Credit Card Eligibility


What is the BOB Select Credit Card?

BOB Select Card is a low-end or entry-level credit card for new individuals. it mainly focuses to provide rewards for online shopping and dining bill payments. it could be a fantastic card for you to get plenty of features such as 50 days Interest-free credit facility, Fuel Surcharge Waiver, and In-built insurance coverage.

What Is the BOB Select Credit Card Customer Care Number?

1800 102 44 55 is the Contact center/IVR toll-free number to connect with Bank of Baroda and ask queries related to Bank of Baroda credit cards.

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we hope you will like the BOB Select Credit Card Review. do share on social media handles and with your friends and closest family members. if you have any queries related to credit cards, we love to hear and find solutions for you. comment down below or you can Mail us at [email protected]

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