BOB SELECT Credit Card

The BOB Select Credit Card, a contactless safe card designed and launched by the Bank of Baroda, is best suited for rewarding usage in lifestyle and shopping. It's an easy-to-use credit card with in-built insurance coverage and other benefits.

The user can avail of various rewards, cashback, and benefits with the Bank of Baroda ‘SELECT’ Card.

BoB SELECT Credit Card.png

Image Source: Bank of Baroda Official website

Highlights of the Bank of Baroda Select Credit Card

Suitability

Lifestyle and Shopping

Joining Fees

Rs. 750

Annual Fees

Rs. 750

Best Feature

5 Reward Points for every Rs. 100 spent on Dining and Online Spending

Benefits and Features of BOB Select Credit Card

The Select credit card from the Bank of Baroda carries various characteristics and benefits for the user, and they have been explained below:

  1. Reward Points

  • The card user can earn five reward points for every 100 Rupees spent on online and dining spending. 
  • You can redeem the reward points as cashback and other exciting options.
  1. Fuel Transaction Benefits

  • There is a 1% fuel surcharge waiver in all gas stations across the country on transactions in the range of Rs. 400 and Rs. 5,000 (a maximum of Rs. 250 for a statement cycle)
  • There are no reward points for the transactions made on fuel. 
  1. Annual Charges Reversal

There is a reversal or waiver on the spend of Rs. 7,500 in 60 days and Rs. 70,000 in a year.

  1. EMI Option

The cardholder can convert purchases of more than Rs. 2,500 on the card. The EMI can range between a period of 6 months to 36. 

  1. Add-On Credit Cards

The primary cardholder can opt for up to 3-lifetime free add-on cards for spouses, parents, siblings, or kids above 18.

  1. Built-In Insurance

You can get free personal accidental death coverage to ensure financial protection for the family.

  1. Zero Liability of the Lost Card

Loss of the card reported will ensure zero liability for fraudulent activity.

  1. Revolving Credit Facility

With a minimum due-paying system, card users can finance spending on convenience.

  1. Interest-free Option

Up to 50 days of interest-free credit facility from the spend date is available.

Fees and Charges Applicable on BOB Select Card

The fees and charges for this credit card are as follows:

Fee

Amt (Rs.)

Joining Fee

Rs. 750

On the spend of Rs. 7,500 on the card in the first sixty days of the card issue date for the first year, the joining fee can be reversed. Fee reversal will be reflected in the 4th bill statement from the card issuance month only when all the dues have been paid.

Annual Charges

Rs. 750

On the spend of Rs. 70,000 on the card in a year for a fee waiver.

Eligibility Criteria to Apply for BOB Select Credit Card

The eligibility criteria to avail of this credit card are as follows:

Age

21 years and above

Working Status

Salaried or Self-Employed

Documents Required to Apply for the Bank of Baroda Select Card

To get the Select credit card of BoB, you will need the following documents:

  • PAN (Mandatory)
  • Passport Size Photos
  • Address Proof
  • Income Proof
  • ID Proof

Application Process for the BOB Select Card

There are two ways to apply for a card, and they are:

  • Offline Method - By visiting a branch of the Bank of Baroda
  • Online Method - By visiting the official website of the Bank of Baroda

a) Offline Method

You sould visit the nearest Bank of Baroda branch with the documents mentioned earlier and apply for the card with a representative directly.

b) Online Method

To apply for the card online, you will have to follow the steps listed here:

Step 1: Visit www.bobfinancial.com/select-card.jsp

Step 2: Click on ‘Apply now’.

Step 3: Fill in all the fields.

Step 4: Complete the Video KYC and E-sign the application form.

Step 5: Click on submit. 

The bank will reach out to you within a few working days.

Similar Credit Cards

Cards similar to the Select card are-

Credit Card Name

Annual Fee and Best Feature

Flipkart Axis Bank Credit Card

Rs. 500

5% cashback on the Flipkart application 

HDFC Millennia Credit Card

Rs. 1,000

5% cashback on Amazon, PayZapp, Flipkart & SmartBuy

Amazon Pay ICICI Credit Card

Rs. 0

5% cashback on shopping at Amazon e-commerce platform

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