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Bank of Baroda Elite Platinum Visa Credit Card

Bank of Baroda is one of the leading banks in India and it offers a wide range of banking products and services to its customers. Be it BOB credit card or debit cards, deposits, loans, etc., the bank provides it all. Among its credit cards, Bank of Baroda Elite Platinum Visa card is very popular as it has a lot of attractive features and benefits to offer. This card can be used globally and cardholders of this card earn loyalty points on the amount they spend.

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1st Year Fee

₹500₹500
  • First year fee upto:

    ₹500

Card Fee Type

    Card Network

      BOB Platinum Visa Credit Card

      • BOB Platinum Visa Credit Card

        1st year fee

        :  

        ₹ 500

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      Features of Bank of Baroda Elite Platinum Visa Credit Card

      1. Validity: Bank of Baroda Elite Platinum Visa Credit Card can be used in any part of the world and it is accepted by ATMs globally
      2. Loyalty Points: With a Bank of Baroda Elite Platinum Visa Credit Card, you get a loyalty point for every Rs.100 spent using it
      3. Cash Withdrawal Limit: The cash withdrawal limit on this is card is 30 percent of the credit limit
      4. Interest Rate: The interest rate on this card is 2.6 percent per month. The annual percentage rate is 31.2 percent
      5. Insta Pay: Cardholders can pay BOB credit card bills online easily using the Insta Pay service provided by Bank of Baroda.

      BOB Elite Platinum Visa Credit Card Benefits

      1. Add on Cards: With a Bank of Baroda Elite Platinum Visa Credit Card, you can get up to 3 add- on cards for free
      2. Personal Coverage: Bank of Baroda Elite Platinum Visa Credit Card has an in built personal accidental death coverage, which is provided to its cardholders for free. It provides Rs.15,00,000 coverage for air accidental death and Rs.5, 00, 000 coverage for accidental death caused by other reasons
      3. VISA Bill Pay: Through the VISA Bill pay service, cardholders can safely pay all their bills online
      4. Annual Fees: If cardholders pay their bills regularly and spend Rs.50, 000 in a year, their annual fees will be waived off
      5. Other Benefits: Bank of Baroda Elite Platinum Visa Credit Card holders avail various other benefits such as discounts on golf, online shopping, hotels, entertainment, travel, etc.
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      Bank of Baroda Elite Platinum Visa Credit Card Fees and Charges

      Type

      Amount

      Joining Fee

      Rs.500

      Annual Fees for Principal Card

      Rs.1000

      Annual Fees for Add on Card

      Nil

      Revolving Credit Limit

      Rs.75000

      Limit on Cash Withdrawal

      30 % of Credit Limit

      Charges for Cheque Return

      Minimum Rs.300 or 2 percent (whichever has the higher value)

      Charges for Late Payment

      1. Up to Rs.500 – No charge,
      2. Rs.501 to Rs.25,000 – Rs.300,
      3. More than Rs.25,001 – Rs.500

      Charges for Cash Withdrawal in Domestic ATMs

      Rs.200 (2.5 percent)

      Charges for Cash Withdrawal in international ATMs

      Rs.250 (3 percent)

      Bank of Baroda Elite Platinum Visa Credit Card Eligibility Criteria

      1. Age Requirements: Individuals must be between 18 years and 65 years old in order to qualify for a Bank of Baroda Elite Platinum Visa Credit Card
      2. Income Criteria: Individuals need to have an income of Rs.4, 00, 000 and more annually in order to qualify for this card
      3. Individuals who have existing relations with Bank of Baroda are preferred
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      Required Documents for BOB Elite Platinum Visa Credit Card

      1. Identity Proof: Applicants of Bank of Baroda Elite Platinum Visa Credit Card have to provide an identity proof while applying –
        1. Passport copy
        2. Voter’s Identity Card copy
        3. PAN Card copy
        4. Driving License copy
        5. UID copy
      2. Income Proof: Applicants of this card have to provide the latest Form 16 or Income Tax Return or Salary slip (in case of PSU or Government sector employees only)
        1. Proof of Residence: The applicants have to provide residence proof while applying for the card. They can submit any among the following documents –
          1. Passport Copy
          2. Electricity Bill
          3. Fixed Line Bill
          4. UID
          5. Bank passbook of PSU Bank
      3. PAN Card copy
      4. Bank Statement of the last 3 months
      5. Colour photographs
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      FAQs on BOB Elite Platinum Visa Credit Card

      • Can I check the status of my credit card application online?

        Yes, you can check the status of your credit card application online.

      • Does the Bank of Baroda Elite Platinum Visa Credit Card come with a chip?

        Yes, the Bank of Baroda Elite Platinum Visa Credit Card comes with a chip and the non- chip type is also available.

      • What is the service charge on the outstanding balance?

        The service charge is 2.6 percent per month on the outstanding balance.

      • What is the charge for de-blocking a card?

        The charge for de-blocking a card is Rs.300.

      • What payment options are available to a Bank of Baroda Elite Platinum Visa Credit Card?

        The payment options available to a Bank of Baroda Elite Platinum Visa Credit Card are:

        1. By Cash
        2. By Cheque
        3. Online payment
        4. By Bill Desk
        5. NEFT
        6. RTGS
        7. Auto Debit
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