How to Make Bank of Baroda Credit Card Payment Online & Offline

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Managing your Bank of Baroda credit card payment has never been easier with the wide range of online and offline options available.

Whether you’re tech-savvy or prefer traditional banking methods, this guide will walk you through each method to ensure your payments are timely and hassle-free.

Bank of Baroda Credit Card Payment Online: Fast & Convenient Options

Online payments are the most preferred method for many cardholders today. Below are the top bank of baroda credit card payment online methods available:

1. Bank of Baroda Net Banking

• Login to your BOB Net Banking account.
• Go to the ‘Credit Cards’ section.
• Select your card and choose ‘Make Payment’.
• Enter the payment amount and confirm.

Pro Tip: Schedule recurring payments to avoid late fees.

2. BOB Credit Card Payment via BillDesk

Visit the official BOB BillDesk portal and follow these steps:

• Select Bank of Baroda Credit Card.
• Enter card details and payment amount.
• Choose your bank for debit and proceed to payment.

3. Mobile Banking App (Baroda M-Connect Plus)

• Download and log into the app.
• Select ‘Credit Card’ under the Payments section.
• Enter your card details and payment amount.
• Confirm the transaction.

4. NEFT/IMPS Payment

Use your bank’s net banking to make payments via NEFT/IMPS:

• Add BOB Credit Card as a beneficiary using the IFSC code: BARB0COLCAR.
• Account number format: Your 16-digit credit card number.
• Once added, you can transfer the payment anytime.

5. UPI (Unified Payments Interface)

Use apps like Google Pay, PhonePe, or BHIM:

• Select ‘Pay to UPI ID’ and enter BOB’s UPI ID for credit card payments (check with the bank).
• Enter the amount and authorize with UPI PIN.

Bank of Baroda Credit Card Payment Offline Methods

If you prefer traditional payment methods, the Bank of Baroda also offers several offline options:

1. Cash Payment at Branch

• Visit any BOB branch.
• Fill the credit card payment slip.
• Submit with cash at the counter.
• Note: A nominal processing fee may apply.

2. Cheque/Demand Draft

• Write a cheque in favor of your 16-digit BOB credit card number.
• Drop it at an ATM dropbox or submit it at the branch.
• Ensure your cheque is correctly dated and signed.

3. Auto-Debit Facility

• Set up auto-debit instructions by submitting an auto-debit form to the bank.
• You can choose between minimum amount due or full payment.

Alt text suggestion: “Bank of Baroda branch counter accepting credit card payment through cash and cheque.”

Why Paying Your BOB Credit Card on Time Matters

• Improves your credit score — Timely payments boost your credit history. Read our credit score guide.
• Avoids late payment penalties — Prevent high interest charges and fees.
• Keeps your credit utilization low — Helps in maintaining your credit health.

FAQs

How can I pay my Bank of Baroda credit card bill online?

You can pay using net banking, UPI, the Baroda M-Connect Plus mobile app, NEFT, or through third-party portals like BillDesk.

What is the IFSC code for Bank of Baroda credit card payment?

The IFSC code is BARB0COLCAR. Use this when making NEFT/IMPS payments.

Can I use Google Pay for BOB credit card payments?

Yes, if your credit card provider supports UPI payments, you can use Google Pay. Use the correct UPI ID provided by BOB.

Is there a fee for making offline payments?

Some offline modes like cash payments at branches may include a processing fee. Check with your nearest branch for updated charges.

How long does it take for the payment to reflect?

Online payments usually reflect within 1 working day. Offline methods may take 2–3 working days to process.

Conclusion: Choose the Right Payment Method for You

Whether you prefer quick digital transactions or in-person banking, Bank of Baroda ensures multiple secure options for bob credit card payment online and offline. For convenience, we recommend using net banking, mobile apps, or UPI methods that ensure instant processing.

Take charge of your finances today — make your Bank of Baroda credit card payment with ease and stay credit-healthy!

Read Next:

• Top Credit Cards in India: 2025 Edition
• How to Transfer Money from Credit Card to Bank Account (2025 Guide).

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