Bank of Baroda Premier Credit Card: Features & Benefits

Summary

Bank of Baroda Premier Credit Card is a premium card designed for those who have a lot of expenses on dining, travel, and shopping. The card has an attractive reward points program, where 4 reward points are given for each ₹100 spent on categories like dining, online transactions, and travel, and 2 reward points are given for each ₹100 spent on all other expenditures. They don’t expire, and every point carries a redemption value of ₹0.25 that can be redeemed by cardholders according to their choice.

One of the biggest benefits of this Credit card is the exemption from a 1% fuel surcharge on fuel buys between ₹400 and ₹5,000 at Indian fuel stations. This assists in saving additional fees on fuel purchases. Other than that, frequent travelers are given free access to airport lounges at some domestic airports, thus making their travel more convenient.

The contactless payment option makes it easier, with the ability to make instant payments of up to ₹5,000 without a PIN. The restaurant, retail, and other merchant payments become more convenient. The card also offers a flexible EMI conversion facility, which allows customers to convert high-value purchases into convenient monthly payments.

Introduction

Bank of Baroda Premier Credit Card is a great credit card option specially designed for those who want to get maximum benefits on their expenses. The BoB Premier Credit Card not only offers attractive reward points and cashback but also gives many great benefits on facilities like travel, shopping, and entertainment. Through the BoB Premier Credit Card, you can avail great benefits everywhere, from your everyday purchases to big transactions.

With a credit card, you also get facilities like airport lounge access, fuel surcharge waivers, and emergency credit. Apart from this, the BoB Premier Credit Card also helps you in financial planning, as it also offers flexible EMI options so that you can pay your big expenses in easy installments.

The specialty of the BoB Premier Credit Card is that you can earn reward points on every expenditure, which you can later redeem to get cashback or gifts. BoB Premier Credit Card is a great option for those who travel regularly, shop online, or want to get more rewards on their daily expenses.

In today’s article, we will discuss in detail the BoB Premier Credit Card. In this article, we will tell you in detail about its benefits. Along with this, we will also discuss the fees of the Bank of Baroda Premier Credit Card in this article and will also discuss in detail how to apply for it. Therefore, read this article till the end so that you do not have any problems later.

What is the Bank of Baroda Premier Credit Card?

The BoB Premier Credit Card is a premium credit card issued by the Bank of Baroda. BoB Premier Credit Card is suitable for those who want to receive the highest amount of rewards and benefits on their spendings. Through the BoB Premier Credit Card, you accumulate reward points for every transaction you make, and you can later exchange them for cashback or gifts.

Apart from this, it also offers facilities like an airport lounge visit while traveling, waiver of fuel surcharge, and easy EMI options. Overall, the BoB Premier Credit Card offers benefits for your day-to-day needs as well as expenses, making your spending even more rewarding.

What is the design of the Bank of Baroda Premier Credit Card?

The BoB Premier Credit Card also has a stylish and professional design with a premium look. The card is usually shown against a black or dark blue background, giving an upper-class appearance. The Bank of Baroda logo is visible at the top left, while the Visa or Mastercard logo is visible at the bottom right.

The cardholder’s name, card number, and expiration date are printed elegantly and legibly in card information. The look is as classy as it seems and attracts those who prefer a classy-looking but formal credit card.

What are the benefits of the Bank of Baroda Premier Credit Card?

Here are its most important benefits:

1. Reward Points on Every Spend

• Get 4 reward points for each ₹100 spent on dining, online shopping, and travel.

• Get 2 reward points for each ₹100 spent on all other categories.

• 1 reward point = ₹0.25, and there is no expiration on the points.

2. Fuel Surcharge Waiver

• Avail of a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 at Indian petrol pumps.

3. Airport Lounge Access

• Get complimentary access to airport lounges at some domestic airports.

4. EMI Facility

• Turn large purchases into convenient EMIs and pay in flexible installments.

5. Contactless Payments

• Make quick and secure payments up to ₹5,000 without a PIN through contactless payment.

6. Global Acceptance

• Accept your card in millions of places across the globe, online and offline.

What are the Bank of Baroda Premier Credit Card fees?

Here is a simple BoB Premier Credit Card fee breakup.

Joining Fee	NIL
Annual Fee	NIL
Add-on Card Fee	There are no charges for additional cards for family members.
Finance Charges	If you don’t pay your bill in full, 3. there is a 5% per month (42% annually) charge on the outstanding balance.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – NilRs. 101 – Rs. 500 – Rs. 150Rs. 501 – Rs. 5,000 – Rs. 500Rs. 5,001 – Rs. 20,000 – Rs. 750Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting a Bank of Baroda Premier Credit Card?

The following are the primary requirements:

1. You must be between 18 and 70 years old to apply for the Bank of Baroda Premier Credit Card.

2. The income requirement differs according to your employment status:

• Self-Employed Professionals: A minimum Annual income of Rs 1,00,000 usually does the job.

3. A secured income ensures regular, timely payments on the credit card bill. Any amount above it ensures that the approval probability is increased.

4. Your credit score plays a role in the selection process. Bank of Baroda tends to favor borrowers with a better credit score, usually above 750. 

5. You must be an Indian resident and have valid address proof within the country. 

6. A salaried person must be employed with a reputed company or organization. The bank can ask you for documents like your salary slip or employment letter.

7. A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good, consistent income. This may be your income tax returns and bank statements.

What documents are required to get a Bank of Baroda Premier Credit Card?

The documents that you will have to submit to Get BoB Premier Credit Card are as below:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etc. Rent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months if you are a salaried employee Bank statement for the last 3 months ITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the Bank of Baroda Premier Credit Card be used?

Here is the list of places where you can use it:

• With the BoB Premier Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

• You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.

• You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

• You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.

• You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

• You can use your BoB Premier Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

• The BoB Premier Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the Bank of Baroda Premier Credit Card?

The credit amount you can spend is what you are provided with a BoB Premier Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.

For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies with the person. A credit limit could be ₹30,000 for one person and ₹1,00,000 for another or even more, considering his/her profile and financial background.

How do you apply for a Bank of Baroda Premier Credit Card?

Apply it through both these modes: 

Online Application Process

• Visit the official website of the Bank of Baroda, i.e. 

• Go to ‘Cards’, followed by ‘Credit Cards’.

• On that page, you can see numerous options for credit cards issued by the Bank of Baroda; for instance, you can choose the Bank of Baroda Premier Credit Card.

• Just hover your cursor on the BoB Premier Credit Card, followed by selecting ‘Apply Now‘ from there.

• You will be asked to fill out your details, including your name, contact information, income details, and employment status.

• Be accurate and updated with the information provided.

• You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

• After filling out the details and uploading the documents, review your application to make sure everything is correct.

• Apply online through the application form.

• The bank will check your application after you submit it. They can ask for extra documents or information if required.

• You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process

• You can walk into the nearest Bank of Baroda branch to apply for the Bank of Baroda Premier Credit Card.

• Request for the credit card application form for the Bank of Baroda Premier Credit Card. They will provide you with the form and proceed accordingly.

• Fill in the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.

• Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and a passport.

• Your application will be processed, and your information will be cross-checked at the bank level.

• In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

• You will receive the BoB Premier Credit Card by post at the same postal address.

• Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the Bank of Baroda Card website or mobile app or by calling their customer service.

• For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.

Would getting a Bank of Baroda Premier Credit Card in 2025 be right?

Yes, getting a BoB Premier Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility. 

Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit.

Conclusion

BoB Premier Credit Card is an instrument that benefits not only your financial needs but also your spending in terms of profitability. Bank of Baroda Premier Credit Card is especially beneficial for individuals who make frequent expenditures on shopping, traveling, and other activities and wish to enjoy rewards and perks in return. Facilities such as airport lounge access, exemption of fuel surcharge, and convenient EMIs make the Bank of Baroda Premier Credit Card even better.

If you wish to have a credit card that not only offers you the freedom of expenditure but also turns your expenditure into a reward, then the Bank of Baroda Premier Credit Card is a perfect choice. BoB Premier Credit Card helps you save with reward points, experience travel privileges, and pay your bulky bills in convenient installments.

Frequently Asked Questions (FAQs)