Bank of Baroda Credit Card Benefits – According to RBI, more than 8 crore people are using credit cards in the country. This number is increasing day to day. There are many such benefits on the credit card which are often not found on a debit card or ATM card.
Bank of Baroda is one of the selected banks in the country that takes a better care of the expenses of its account holders. At this time, BOB is offering 22 way credit cards to its account holders.
All these credit cards have different benefits and different types of facilities are being given by the bank. All these credit cards cannot be told about the benefits and facilities in this article, so we are broadly giving information about the benefits of Bank of Baroda Credit Card.
In this article, we will give you information about Bank of Baroda Credit Card Benefits as well as how to apply for Bob Credit Card. In the article, information about Bank of Baroda Credit Card Charges will also be given.
What is BOB Credit Card ?
The BOB Credit Card Card is a card given by Bank of Baroda in which pre -approved credit limit is given to the card holder. The pre -appreated credit limit is a type of loan amount, which we can use only when there is no money in our savings account.
BOB credit card cards are similar to the normal ATM card, but in this we get offers and cash backs from the bank which make it different from the ATM or debit card. Also, the money of credit card is not made in our savings account. The amount which is given to us as a credit limit by the bank is not in our savings account but in the card or credit account.
Information about Bank of Baroda credit card
Bank of Baroda is the second largest government bank in the country after State Bank of India. There are more than 11 lakh active credit card holders in the country of Bank. The bank received the figure of 10 lakh active credit card holders in the year 2022.
The bank spends Rs 830 crore per month on a credit card. The bank used to spend only Rs 80 crore in credit card till the year 2018, but the bank increased the amount to be 2022.
Bank of Baroda credit card Benefits
You are being given information about bob credit card benefits in hindi. You are being explained in the easy language of the benefits of Bank of Baroda Credit Card and you read them well.
1.free insurance advantage
Free air accident insurance and road accident insurance are offered on many credit cards of BOB Bank. This insurance cover can be from 10 lakh to one crore rupees. That is, if you use the credit card of Bob Bank, then your family will get the benefit of insurance cover.
This benefit is one crore rupees on death in air accident and is Rs 10 lakh on death in another accident. If you make a credit card of Bank of Baroda, then you have to spend less money separately in insurance. To get this type of facility, the terms and conditions of the BOB Credit Card must be done once.
2.Zero Lost Card Liability
Zero Lost Card Liability is definitely feeling heavy to hear but it is a great thing. If your bob credit card is lost and you contact the customer care within 24 hours and inform them about it, then during that time the account of the card will not be your accountability.
3.Free aid on card facility
On many BOB cards, you get the ad on card facility free. That is, if any one member in the family has a credit card of BOB, then he can make a credit card of 3 other members of the family by sharing the credit limit of his card. For this, he will not have to pay any separate fees. That person can make ad on cards of his children, parents.
4.Smart EMI option
The Bank of Baroda gives the option of smart EMI on almost all its credit cards. Through this facility, you can convert the large or small amount paid with credit card to EMI. Even on many credit cards of BOB, an option to convert an amount of only Rs 2500 to EMI is also received. The option to convert such a small amount to EMI gives hardly any other credit card.
5.1% fuel surcharge benefit benefits
On many credits of BOB, filling the fuel from any petrol pump provides 1% fuel surcharge. This facility is available from any petrol pump across the country on filling a minimum of Rs 400 and maximum fuel of Rs 5000. With the help of this feature, you can get 30 liters of free fuel in a year.
6.Free Reward Points
The facility of free reward points on almost all credit cards of Bank of Baroda is also provided to card holders. This can vary from transaction with different credit cards. 20 thousand reward points are given for spending one lakh rupees annually on many credit cards. 3-4 reward points are given on several cards for spending Rs 100.3-4 reward points value is around 50 paise in BOB Bank.
7.Muft Louge Entry
Free airport lounge entry is obtained on many credit cards of Bank of Baroda. This benefit is received by the card holders every quarter. Through this, cardholders can enter the country’s selected airport lounge for free, that too more than four times a year.
8.year-old fee waiver facility
There is also a facility to pardon the annual fee on almost all credit cards of Bank of Baroda. The Bank of Baroda provides this facility in the process of spending its card holders with a fixed amount of money with credit card.
9. Hot Stay Discount
A discount of up to 8% is given on booking selected hotel with a credit card of Bank of Baroda. If you book a hotel online or through a website with a tie -up website, you get a discount of up to 25%.
Benefits of 5 selected credit card of Bank of Baroda
We will explain 5 selected credit card benefits of Bob Credit Card Benefits in Hindi in easy language. Following are the benefits of all these credit cards.
1- Bank of Baroda Aterna (Eterna) Credit Card
- Zero Lost Card Liability is available on Bank of Baroda Eterna Credit Card.
- The benefit of 1% fuel surcharge pardon is also available on this credit card.
- 15 reward points are received on shopping, movie, dining, online shopping, transaction Eterna Credit Card per 100 rupees on travel. You can earn 5000 reward points per month from the Eterna Credit Card.
- The free membership of the Fitpass Pro is given as a welcome gift. The value of this membership is around Rs 15000.
- 20 thousand reward points are given as bonuses on spending Rs 5,00000 within a year.
- Any purchase of more than Rs 2500 is facilitated to convert to EMI of 6 to 12 months easy.
- On this credit card, an insurance cover of one crore rupees is given on the Hawai accident and an insurance cover of Rs 10 lakh on other accident.
2-Bank of Baroda Premier Credit Card
- The Bank of Baroda Premier Credit Card gets 10 reward points for shopping, movie, dining, online shopping, spending on travel bill of Rs 100 per 100 rupees.
- With the help of this card, 10 reward points are obtained on spending Rs 100 on any other category.
- In this credit card, one domestic lounge entry is available free in every quarter and four domestic lounge entries are free on an annual basis.
- With the help of this credit card, one percent fuel surcharge is also forgiven on filling the oil. This benefit is obtained on filling fuel from any petrol pump across the country.
- This credit card also provides the facility of contactless transaction. You will not have to use your credit card pin repeatedly to buy your daily goods. If you touch your credit card on the pos machine, then your transaction will be done. In this way you can save a lot of time every day.
- If you do transactions up to 1 lakh 20 annually with the help of this credit card, then your annual annual fee also forgives.
3-IRCTC BOB credit card
- Within 45 days of the release of IRCTC BOB Credit Card, 1000 reward points are given as bonuses at a transaction of Rs 1000.
- One percent of the fuel surcharge is forgiven for filling fuel between 500 and 3000 rupees.
- On booking tickets from IRCTC website, two reward points are received at Rs 100 per Rs. 100.
- The amount above Rs 2500 gets converted into smart EMI for 6 to 36 months.
- Ad on card on this credit card is available.
- On this card, card holders get zero lost card liability facilities.
- To make this card, the salary of the salaried should be more than 3.6 lakhs and for a businessman, more than 4.8 lakhs.
4-HPCL BOB Annergy Credit Card
- If you spend 5000 rupees within 60 days of HPCL Bob Energie Credit Card, then 2000 reward points are given as bonuses.
- If there is a transaction of Rs 50000 within a year, then the annual fee is forgiven.
- Fuel surcharge of one percent is forgiven for filling the fuel BPCL between 400 and 5000 rupees.
- Ad on card on HPCL BOB Energie Credit Card is available.
- The amount above Rs 2500 on the HPCL Bob Energie Credit Card gets the facility of converting in Smart EMI for 6 to 36 months.
- Its annual fee is Rs 499, which can be forgiven.
5-BOB Snapdeal Credit Cards
- Facility of interest free credit for 50 days from purchasing date on some purchase from Bob Snapdeal Credit Card.
- The amount above Rs 2500 on the BOB Snapdeal Credit Card gets the facility of converting in Smart EMI for 6 to 36 months.
- A voucher of Rs 500 is given within 30 days of the issuance of credit card.