BOBCARD Premier Credit Card: Benefits & Apply

Table of Contents

Summary

BOB Financial’s BOBCARD Premier Credit Card is a smart and easy method to buy things. It was developed for people who want to save money every day but still want the best features. You may earn points and get into airport lounges with this card, which is in line with how people live today.

You get two reward points for every ₹100 you spend with the card. This makes buying things every day more fun. You can use these points to get credit on your statement, gift cards, or other items. The card also allows you to avoid paying extra for gas, which saves you money every time you fill up your car.

One of the best things about the card is that it lets you utilize domestic airport lounges for free, which makes your trip more comfortable and luxurious. You can also convert EMI, which lets you pay for big products in small amounts each month.

Introduction

Having a good credit card is no longer a luxury in the fast-paced digital world we live in now; it’s a must. Using a credit card to pay for activities like booking a flight, shopping online, or paying your energy bills can make the process easier, safer, and more profitable. Bank of Baroda owns BOB Financial Solutions Limited, which made the BOBCARD Premier Credit Card. It is one of those credit cards that a lot of people like and that has a lot of features.

First, the BOBCARD Premier Credit Card has a lot of unique characteristics that set it apart from other credit cards. It provides a lot of great benefits, such as not having to pay for petrol and travel benefits. This card can be great for you if you often shop, travel, eat out, or spend a lot of money. It is also a great financial instrument for people who work for themselves or someone else because the annual fees are low and the conditions are easy to meet.

This card also has a rewards scheme that makes it more tempting. You get points for every purchase you make. Then you may use those points to get gift cards, things, or credits on your bill. You can save even more money and yet get outstanding service with this card, whether you’re buying groceries, shopping online, or going to the movies.

This credit card also comes with great travel and leisure rewards. You can use lounges at domestic airports, which makes your trip more comfortable and enjoyable. If you drive a lot, this card enables you to skip the gas fee at all gas stations in India, which saves you even more money on gas.

What is the BOBCARD Premier Credit Card?

The BOBCARD Premier Credit Card from BOB Financial, which is part of Bank of Baroda, is a credit card for people who desire to live a certain manner. This was developed for people who want to save money every day and enjoy great benefits at the same time. You may earn points for things you do every day, like going on vacation, shopping, and eating out, with this card. It also has some wonderful bonuses, such as free access to US airport lounges, no extra taxes for petrol, and the chance to pay without touching anything.

It’s easy to get and costs relatively little each year, so it’s ideal for both business owners and workers. This credit card is better than a conventional one because it features a rewards program and other perks. If you want a credit card that will save you money and make you feel good, the BOBCARD Premier Credit Card is a good and safe choice.

How is the design of the BOBCARD Premier Credit Card?

The BOBCARD Premier Credit Card looks sleek and modern, which makes it look professional and elegant. The card’s deep blue and black colours make it look expensive and classy right away. The card’s design is simple yet excellent. It has clear information and the BOBCARD logo, which makes it stand out.

It also features a contactless payment symbol, which means you can pay quickly and safely by just tapping the card on a machine. This not only improves the design, but it also makes it easier to use in today’s hectic environment.

What are the benefits of the BOBCARD Premier Credit Card?

Here are some of its most essential benefits in plain English:

1. Get points for every dollar you spend.

First of all, you gain points for almost every purchase. For every ₹100 you spend, you get 2 reward points. You can use these points to receive great gifts, certifications, or even to lessen your credit card bill.

2. Welcome Benefit

You can get special welcome bonuses or extra reward points when you activate and use your new card for the first time. This is a great way to get started with credit.

3. Getting into airport lounges

You can get into several domestic airport lounges for free with this card. This is fantastic if you travel a lot and want to relax in a nice lounge before you leave.

4. No fuel surcharge

You also don’t have to pay the extra fee for petrol at any petrol station in India. This means that you can save more money every time you fill up your tank, which is great for folks who drive to work every day.

5. Service for converting EMI

Another useful feature is the EMI converter option. If you like, you can break up a significant purchase into smaller monthly installments. This makes it easier to keep track of your money without worrying about it.

6. Payments without touching

You can merely tap and pay with this card if you don’t want to enter your PIN for purchases under a certain amount. It saves time and makes things safer.

7. Coverage by Insurance

You also get free insurance with the BOBCARD Premier Credit Card that will help you in an emergency. This makes it easier and more useful to use your card.

What are the fees for the BOBCARD Premier Credit Card?

Here is a simple breakdown of the BOBCARD Premier Credit Card fee.

Joining Fee	Lifetime Free (Limited Time Offer)
Annual Fee	Lifetime Free (Limited Time Offer)
Add-on Card Fee	No additional charges for family members’ cards.
Finance Charges	If you don’t pay your bill in full, a charge of 3.75% per month (45% annually) is applied to 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 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting a BOBCARD Premier Credit Card?

1. Age Requirement:

You should be between 18 and 65 years of age.

2. Income Requirement:

Salaried Applicants: A minimum net monthly income is required; however, the bank determines the specific amount, which may vary based on the applicant’s profile.

Self-Employed Applicants: A minimum ITR amount is required; the bank determines the specific amount and may vary depending on the applicant.

3. Employment Status:

You should have a regular job or business with a fixed income source.

4. Credit Score:

A CIBIL score of 700 and above is preferred for sanction.

5. Residency:

You should be an Indian resident and have proof of a valid address.

What documents are required to get a BOBCARD Premier Credit Card?

The documents that you will have to submit to get the BOBCARD Premier Credit Card are as follows:

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 employeeBank statement for the previous 3 monthsITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the BOBCARD Premier Credit Card be used?

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

With the BOBCARD 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 and Flipkart, and make bookings on websites like MakeMyTrip and Yatra.

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 and 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 BOBCARD Premier Credit Card to pay for expensive electronics or appliances through easy monthly installments (EMIs).

The BOBCARD Premier Credit Card is also accepted in other countries, allowing you to make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the BOBCARD Premier Credit Card?

The credit amount you can spend is what you are provided with when you have a BOBCARD 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 only spend up to that amount. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies from person to person. A credit limit could be ₹30,000 for one person and ₹1,00,000 for another, or even more, depending on their profile and financial background.

It’s essential to track your expenses and not exceed the credit limit, as exceeding this limit can result in additional penalties and a decrease in your credit score.

How do you apply for the BOBCARD 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 Bank of Baroda; for instance, you can choose the BOBCARD Premier Credit Card.

Simply hover your cursor over the BOBCARD Premier Credit Card and select ‘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 such as your identity proof, address proof, income proof, and a 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 BOBCARD Premier Credit Card.

Request the credit card application form for the BOBCARD 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 to ensure that all the information about personal details, income, and jobs provided by the applicant is correct.

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

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 BOBCARD Premier Credit Card by post at the same postal address.

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

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

Would getting a BOBCARD Premier Credit Card in 2025 be the right choice?

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

Bank of Baroda is also a strong bank with high customer service, making it a dependable choice. But don’t forget that you should ensure 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 you have good credit, it might be a perfect option in 2025.

Conclusion

The BOBCARD Premier Credit Card is a great card with a lot of useful features. You may save a lot of money on both big and small things. This card makes things easier for you by delivering useful benefits and enjoyable rewards, whether you’re shopping online, going out to eat, going on a business trip, or planning a vacation.

Every time you use the card, you acquire points. You may then spend those points to get rewards. You can also obtain extra perks, like access to airport lounges, no fuel taxes, and the ability to convert EMI. These things are fun and help you save money at the same time. The contactless payment feature is quite helpful in today’s fast-paced digital environment because it speeds up and safeguards your daily purchases.

You should also be able to apply for it every year without too much effort or money. You don’t have to worry about filling out hard-to-read forms or spending too much money. It’s straightforward for both workers and freelancers to get the card. People with BOBCARD can get help and support online. This makes it easy to keep track of your spending, take care of your card, and pay your bills on time.