Unlock Premier Lifestyle with Bank of Baroda Premier Credit Card
The Bank of Baroda Premier Credit Card is tailored for discerning customers who want more value from every rupee spent. With attractive rewards, travel perks, and exclusive privileges, this card delivers premium features without burning a hole in your pocket.
Discover the features and benefits of the Bank of Baroda Premier Credit Card. Get 5X rewards, lounge access, EMI options, and insurance cover. Apply online today!
Table of Contents
Features of Bank of Baroda Premier Credit Card
Reward Points Program
- Earn 1 reward point for every Rs. 100 spent across all categories.
- Enjoy 5X reward points on international spending, dining, and travel.
- Redeem your points for cashback, gift vouchers, and merchandise.
Airport Lounge Access
- Complimentary access to 35+ domestic airport lounges across 22 cities in India.
- Enjoy a premium airport experience every time you travel.
Welcome & Annual Fee Waiver Benefits
- Spend Rs.10,000 within 60 days of issuance to get your first-year fee waived.
- Waiver of the annual fee on spending Rs.1.2 lakh annually.
EMI Facility on Purchases
- Convert transactions of Rs.2,500 or above into EMI options.
- Choose between 6 or 12-month tenures for easy repayment.
Lifetime-Free Add-on Cards
- Get up to three add-on cards for your family members.
- Spouse, parents, siblings, or children above 18 years are eligible.
Complimentary Insurance Cover
- Personal accidental death insurance cover included.
- Ensures financial security for your family in unforeseen events.
Interest-Free Credit Period
- Up to 50 days of interest-free credit on purchases.
Lost Card Liability Protection
- Report loss within 24 hours to avoid any financial liability.
Revolving Credit Facility
- Pay the minimum due and enjoy credit on the balance amount with interest.
Bank of Baroda Premier Credit Card – Fees and Charges
| Fee Type | Amount |
|---|---|
| First-year fee | Rs. 1,000 |
| Annual fee | Rs. 1,000 |
| Cash withdrawal (Domestic ATMs) | 2.5% or min Rs. 300 |
| Cash withdrawal (International ATMs) | 3.0% or min Rs. 300 |
| Finance charges | 3.25% per month (39% annually) |
| Late payment charges | Rs. 100 to Rs. 750 based on bill amount |
| Over-limit charges | 1% of exceeded amount |
| Foreign currency transaction fee | 3.5% of amount |
| Card replacement | Rs. 100 |
| Card de-blocking | Rs. 300 |
| Charge slip retrieval | Rs. 250 per slip |
| Cheque return | 2% or Rs. 300 (whichever is higher) |
| Duplicate bill | Rs. 25 per request |
Eligibility Criteria for Bank of Baroda Premier Credit Card
Salaried Individuals
- Gross income of Rs. 3 lakh or above per annum.
Self-employed or Business Owners
- Paid-up capital of Rs. 25 lakh or more.
Documents Required
For Salaried Professionals
- A personal Bank of Baroda account
- Latest Form 16 or ITR copy
- ID proof, address proof, and a recent photograph
For Self-employed Individuals
- Last 3 years’ audited balance sheet & P&L account
- Valid ID and address proof with photograph
Why Choose Bank of Baroda Premier Credit Card?
The Bank of Baroda Premier Credit Card combines luxury and practicality, giving you the benefits of:
- Smart reward accumulation with 5X categories
- Exclusive lounge access for frequent flyers
- Flexible EMIs on big purchases
- Zero liability for lost cards
- Insurance protection that adds value
This card is ideal for people who want enhanced benefits and are regular spenders on travel, dining, and international transactions.
Bank of Baroda Premier Credit Card – Real Benefits for Real Users
Users have consistently praised the Bank of Baroda Premier Credit Card for:
- High reward point conversion value
- Simple eligibility criteria
- Excellent customer service and easy application process
- Minimal hidden charges
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Checkout Pros and cons
💳 Bank of Baroda Premier Credit Card
Know the key pros and cons before you apply for this premium credit card
✔️ Advantages
- ✅ Welcome Benefits: Earn 1000+ reward points on card activation
- ✅ Annual Fee Waiver: Free renewal on annual spend > ₹1,20,000
- ✅ Travel Privileges: 4 complimentary airport lounge access per year
- ✅ Reward Program: 2X reward points on online spending
- ✅ Low Interest Rate: Competitive interest and EMI conversion options
- ✅ Fuel Surcharge Waiver: Up to ₹250 per statement cycle
❌ Disadvantages
- ❌ Limited Lounge Access: Only 4 domestic lounges per year
- ❌ No International Lounge: Access limited to India airports only
- ❌ No Movie/OTT Offers: Lacks entertainment benefits
- ❌ Annual Fee: ₹1000 + GST if waiver conditions not met
- ❌ Reward Redemption: Somewhat limited reward partners
People Also Ask (FAQs)
Q1. How can I apply for the Bank of Baroda Premier Credit Card?
You can apply online through the official BOB website or visit the nearest branch with required documents.
Q2. Is the Bank of Baroda Premier Credit Card good for international travel?
Yes, it offers 5X rewards on international spends and airport lounge access, making it travel-friendly.
Q3. What is the annual fee of the Bank of Baroda Premier Credit Card?
The annual fee is Rs. 1,000, which can be waived on annual spending of Rs. 1.2 lakh.
Q4. Is there any insurance included with the Bank of Baroda Premier Credit Card?
Yes, it includes complimentary personal accidental death cover.
Q5. Can I convert my purchases into EMIs?
Yes, purchases above Rs. 2,500 can be easily converted into EMIs for 6 or 12 months.
Q6. What is the interest rate on the outstanding balance?
The card charges 3.25% per month or 39% per annum on unpaid balances.
Conclusion: Is Bank of Baroda Premier Credit Card Worth It?
Absolutely. The Bank of Baroda Premier Credit Card is a fantastic mid-range card packed with rewards, lifestyle perks, EMI options, and zero-liability protection. It stands out in the market for its generous reward program and low annual fees. If you’re looking to maximize everyday spending while enjoying premium benefits, this card is tailor-made for you.