BOB Premier Credit Card

‘BOB Premier Credit Card’ is a premium class credit card from ‘Bank of Baroda’ with a number of offers and privileges. It comes with most of the premium features and offers, at a very low and compatible price. The awesome features of the card are like – Big Reward offer, Premium Privileges, Annual and renewal fee waiver, Waiver on fuel surcharges, EMI facility, Add on card, Insurance Coverage, Zero lost card liability, Revolving facility, and up to 50 days of credit free period. In fact this is one of the best card offered from ‘Bank of Baroda’.

  • Eligibility criteria –
  • Nationality – Indian.
  • Age – 18 – 65.
  • Occupation – Both salaried and self-employed people with a stable income can apply for this card
  • Income – 3 lakh (annually)
  • If you apply against your company or business you have to show a paid-up capital of ₹ 25 lakh annually.
  • A good CIBIL score. (700)
  • Good relation with the bank.
  • Zero due payments.
  • Documents Required –
  • Proof of Identity –
  • Job Card.
  • Driving License
  • Voter Id.
  • Aadhar Id.
  • Letter from UIDAI.
  • Proof of Address –
  • Ration card.
  • Gas, Electricity or any utility bill. ( recent )
  • Passport.
  • Document of property registration.
  • Proof of Income –
  • 3 month’s bank statement. (latest)
  • Recently submitted form 16.
  • Salary Slip (recent 3 months)
  • KYC-PAN.
  • Balance sheet of last 3 years (audited) (for self-employed)
  • Profit & loss statements. (for self-employed)
  • Fees –  
  • Joining fee – ₹ 1,000.
  • Annual fee – ₹ 1,000.
  • Add on fee – None (for up to 3 cards)
  • Interest rate (p.m.) – 3.25% monthly.
  • Benefits – The awesome benefits of the card is described below –
  • Reward offer – With this card you can earn big and easy reward points with this card on your every transaction. You can earn 10 points on each ₹ 100 spend on Dining, Travel and Spends internationally. You can also earn 2 reward points on each ₹ 100 transactions on other categories. You can also redeem your earned reward points very easily with a number of redeeming options. You can also redeem them into cash also.
  • Annual and renewal fee waiver – This card comes with a very low annual and renewal fee of ₹ 1000. Also you can get 100% discount on your fees. If you can spent ₹ 10,000 within first 60 days of the activation of the card then your joining fee will be waived off. Also if you can spend ₹ 1,20,000 in a year then the next year’s renewal fee will be waived off.
  • Lounge access – With this card you can get a premium travel experience. This card offers free access to more than 35 partner’s lounges in India. 
  • Golf – Now you can enjoy golf at most of the premium golf courses. With your ‘BOB Premier Credit Card’ you can get access at most of the frontline golf courses in India.
  • Fuel surcharge waiver – Now you don’t need to worry about your fuel surcharges, as with this card you can get 1% waived off on fuel surcharges. This offer is applicable at most of the fuel stations in India.
  • Insurance coverage – Your ‘BOB Premier Credit Card’ comes with a built in accidental Insurance Coverage. That means you and your family now has the financial back-up in case of any accidental death.
  • Add on facility – You can now share the features and benefits of your card with your loved ones. You just have to add your family members (children, parents, siblings or any family member of 18 years old) with your card, and they can also enjoy the awesome benefits of this card. also you don’t need to pay any extra charges for up to 3 add on cards.  
  • Lost card liability – With ‘Bank of Baroda’ you don’t need to worry about your lost or stolen card. As with BOB you are now free from any lost card related liability. To get 0% liability you need to report within 24 hours. This feature also covers you against frauds.
  • Credit free period – this card offers you up-to 50days of interest free period. You will find this very helpful for EMI payments.
  • Charges –   
  • Cash Advance – 3% against the withdrawn amount (at ATMs)
  • Late payment Fee – (in rupees)
  • Up to 200 – None.
  • 201 – 500 – 100.
  • 501 – 1,000 – 400.
  • 1,001 – 10,000 – 500.
  • Over 10,000 – 750.
  • Foreign currency transaction – 3.5% against the transaction amount.
  • Other features –
  • EMI facility – This feature is very helpful for big bill payments. With this feature you can now convert your big bill amounts into Easy monthly EMIs(min amount – ₹ 2,500). So you don’t need to worry about your big bills.
  • Revolve Facility – now you don’t need to worry about your low shopping budget. You can now pay a small amount of your shopping bill (min 10%) and the rest of the bill can be paid later with a lower interest rate. You will find this feature more helpful for shopping.
  • EMV chip card – This card comes with a built in EMV chip. That chip can make your transactions more fast and secure.
  • Worldwide Acceptance – This card is designed for domestic and international uses. You can use your ‘BOB Premier Credit Card’ almost any VISA outlets in the world.
  • 24X7 customer care – With this card you can enjoy an always active and premium customer care experience. BOB customer care service is very helpful and you can also ask for any help anytime from them. 
  • Customer care number –
  • 1800 258 4455
  • 1800 102 4455
  • 1800 102 7788
  • Final verdict –

If you are looking for a credit card with premium features and benefits, then this is the card you need. with a reward program, Insurance coverage, add-on facility, zero lost card liability, annual and renewal fee waiver, and lounge and golf access this card can really be your first choice. So if you are eligible then you must go for this card, as with it you can get most of the premium features at a very low cost.

Categories BOB

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