Bank of Baroda Select Credit Card: Features & Benefits

Summary

The Bank of Baroda Select Credit Card is a feature-filled credit card suitable for individuals who want to generate maximum savings from daily expenses. The card offers numerous benefits in the form of reward points, fuel surcharge rebates, and EMI conversion facilities.

With this card, customers get 1 reward point for all purchases worth ₹100 made regularly and 5 reward points for each ₹100 spent on eating out, movie tickets, and utility bills. These reward points can be exchanged for great gifts, vouchers, and cash rewards. The card also provides a 1% fuel surcharge refund on fuel transactions of up to ₹5,000 and more than ₹400, which allows customers to save money on fuel costs.

One of the most important advantages of this credit card is that it offers interest-free credit for up to 50 days, making it easier for users to control their expenditures. The card also offers a convenient EMI facility, under which customers can convert expensive purchases into convenient monthly installments at reduced interest rates.

Introduction

Bank of Baroda Select Credit Card is a special credit card launched by Bank of Baroda, keeping in mind the growing financial needs of its customers. BoB Select Credit Card is designed for those who want to get special benefits on their everyday expenses, such as shopping, travel, bill payment, and entertainment. This Card gives you the facility of cashless transactions so that you can easily shop online and offline.

With the BoB Select Credit Card, you get a variety of rewards, cashback, and discounts. Apart from this, the BoB Select Credit Card comes with excellent interest rates and allows you to earn reward points on spending, which you can later convert into rewards. With the Bank of Baroda Select Credit Card, you can also avail yourself of all great offers in entertainment and other categories while traveling.

With the BoB Select Credit Card, you easily get an EMI option so that big expenses can be divided into smaller installments. Apart from this, the BoB Select Credit Card is also great in terms of security, as it comes with fraud protection and a contactless payment facility.

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

What is the Bank of Baroda Select Credit Card?

The credit card was introduced by Bank of Baroda specifically for those customers who want to save and earn rewards on their everyday expenses. With the BoB Select Credit Card, you can earn great reward points on things like shopping, travel, eating at restaurants, and bill payments, which can later be converted into rewards or cashback.

Apart from this, the BoB Select Credit Card has an EMI facility, contactless payment, and fraud protection. Not only does the Bank of Baroda Select Credit Card simplify your bills, but it also offers other advantages.

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

The BoB Select Credit Card’s elegant yet understated look reflects its premium features. Usually looking elegant and businesslike, it blends blue and silver tones. Depending on the version, the card has the Visa or Mastercard logo on top, coupled with the Bank of Baroda mark. 

On the front is printed the cardholder’s name, card number, and expiry date. Embedded on the card is also the chip for safe transactions, providing defense against fraud. Its simple but elegant design qualifies it as the ideal daily usage tool.

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

Its main advantages are listed here, together with actual reward points:

1. Point system for rewards on every expenditure

• For every ₹100 spent on normal purchases, earn one reward point.

• For each ₹100 spent on restaurants, movies, and utilities, earn five reward points.

2. Waiver for Fuel Surcharge

• At any petrol pump in India, obtain a 1% fuel surcharge waiver on purchases between ₹400 and ₹5,000.

3. Interest-Free Credit Period

• Spend up to fifty days using interest-free credit on purchases.

4. E-motion facility

• Create simple E MI alternatives from your large purchases at affordable interest rates.

5. Zero Responsibility Regarding Missing Card

• You are not liable for any illegal transactions if you report card loss right away.

6. Acceptance Worldwide

• Millions of retail stores all across accept the card.

What are the Bank of Baroda Select Credit Card fees?

Here is a simple BoB Select Credit Card fee breakup.

Joining Fee	₹750 + GST (one-time fee when you get the card).
Annual Fee	₹750 + GST per year. This will be waived if you spend ₹70,000 or more in 90 days.
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 Select 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 Select 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 Select Credit Card?

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

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent 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 Select Credit Card be used?

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

• With the BoB Select 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 Select Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

• The BoB Select 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 Select Credit Card?

The credit amount you can spend is what you are provided with a BoB Select 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.

It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit, then penalties get added, and your credit score also goes down.

How do you apply for a Bank of Baroda Select 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 BoB Select Credit Card.

• Just hover your cursor on the BoB Select 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 BoB Select Credit Card.

• Request for the credit card application form for the BoB Select 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 Select 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 Select Credit Card in 2025 be right?

Yes, getting a BoB Select 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. Provided that you are stable in terms of income and have good credit, it might be a very good option in 2025.

Conclusion

BoB Select Credit Card is the ideal choice for those who want to properly manage their expenditure and concurrently benefit from it. BoB Select Credit Card allows you to apply reward points to daily shopping, travel, and entertainment to cut your costs or get amazing offers in addition to earning points.

Those who frequent stores, travel, or wish to turn large purchases into simple monthly payments may notably benefit from the Bank of Baroda Select Credit Card. Together with budgeting, the BoB Select Credit Card helps you regulate your spending. Apart from this, the bank’s dependability and customer service guarantee you that you are applying the appropriate financial product.

All things considered, the BoB Select Credit Card is a card meant to be kept in mind for your benefit in all spheres. Whether you need to manage your big expenses, save on shopping, or avail yourself of special travel discounts, the BoB Select Credit Card is a one-stop solution for all your financial needs. If you want a credit card that is convenient and secure and offers great benefits, the BoB Select Credit Card is a great choice.

Frequently Asked Questions (FAQs)