Bank of Baroda Premier Credit Card Review

Bank of Baroda Premier Credit Card works on the Visa Signature platform, which is a very good rewarding credit card. This card is best for Travel, Dining, and Abroad spending.

Bank of Baroda Premier Credit Card Benefits & Features

Reward Benefits

• 10 Reward Points for every Rs. 100 spent on Travel, Dining and Abroad (International spends)
• 2 Reward Points for every Rs. 100 spent on other categories
  

Lounge Access

• 1 Complimentary Airport Lounge Visit every calendar quarter
  

Fuel surcharge waiver

• 1% fuel surcharge waiver at all fuel stations across India on transactions between Rs.400 and Rs.5,000
  

Extra Benefits

• Exciting discounts on movies with the RuPay variant
• 3 lifetime free add-on cards
• Report loss of card immediately to ensure zero liability on any fraudulent transactions
• Up to 50 days of interest free credit from the date of any purchase

Bank of Baroda Premier Credit Card Eligibility

• Primary cardholder must be age between 18 to 65
• Minimum annual income must be INR 4 lakh per annum
• Available both Salaried and Self-employed

Necessary Documents for BOB Premier Credit Card Application

The following documents are required for apply this card-

• PAN card
• Aadhaar card
• Latest salary slips/ Bank statement/ IT Returns/ copy as proof of income
• Residence proof -any one of the following:

1. Passport
2. Driving License
3. Voter ID Card
4. Aadhaar card

• Identity proof- any one of the following:

1. Passport
2. Driving license
3. Voter ID Card
4. Aadhaar card
5. PAN card

Bank of Baroda Credit Card Charges & Fees

Type of Charge	Charges
First-year fee	Based on card usage
Annual fee	Based on card usage
Cash withdrawal fee (Domestic ATMs)	2.5% of the transaction amount subject to a minimum of Rs.300
Cash withdrawal fee (International ATMs)	3.0% of the transaction amount subject to a minimum of Rs.300
Finance charges or interest	3.25% per month or 39% per annum
Duplicate bill fee	Rs.25 per request
Cheque return charges	2% of the cheque amount or Rs.300 whichever is higher
Over limit charges	1% if the usage exceeds the sanctioned credit limit per month
Card replacement charges	Rs.100 per request
Foreign currency transaction fee	3.5% of the transaction amount
Charge slip retrieval charges	Rs.250 per slip
Card de-blocking charges	Rs.300 per instance

Late Payment Charges

Total Amount due	Charges (Rs)
Rs. 0 up to Rs. 200	Nil
>Rs. 200 – Rs. 500	100
>Rs. 500 – Rs. 1,000	400
>Rs. 1,000 – Rs. 10,000	500
>Rs. 10,000 – Rs. 25,000	750
>Rs. 25,000	950