BoB Select Credit Card that is powered by Mastercard gateway offers 5x rewards on online spending, utility, and dining. Moreover, one can also avail of the benefit of a fuel surcharge waiver and a bonus of 1000 reward points per month.
TOP Bank of Baroda Credit Cards Here
There are a lot of features and benefits that come with a BoB select credit card. Check all the details of its features and benefits by reading the full post.
Read More: BoB Credit Card Customer Care No
BoB Select Credit Card Features
The BoB Select credit card has lots of features to look out for. We have published its main features below.
Bonus Rewards Every Month
- The Select credit cardholders will earn 1000 bonus reward points.
- The bonus rewards will be earned on five transactions of more than 1000 rupees per month.
5X Rewards on Bill Payment and Online Spends
For every 100 rupees spent on dining, utility bills, and online shopping you will earn 5 reward points.
Fee Waiver
- In order to get a joining fee waiver, the cardholder has to spend a minimum of 7,500 rupees within 60 days.
- Similarly, if a cardholder spends 70,000 in a year with this card he or she will be eligible for annual fee reversal.
Multiple Rewards Redemption Options
You can use the earned reward points for redemption against cashback or other brand offers available in the BoB rewards catalog.
Fuel Surcharge Waiver
- Moreover, select credit cardholders are also eligible to get a 1% fuel surcharge waiver on the fuel transactions.
- This is valid on fuel transactions made within India.
- The eligible transaction amount for the fuel surcharge waiver is between INR 400 to INR 5000.
- A maximum of 250 rupees of fuel surcharge benefit will be adjusted on the monthly billing statement.
- You will not accrue a single reward point on a fuel transaction.
Easy EMI Option
Furthermore, this credit card also provides an easy EMI option. With this option, you are able to turn your big spending into flexible EMIs of 6 or 12 months.
Read More: Bank of Baroda Credit Card Status
BoB Select Card Benefits
After reading the features above now you will see the benefits of the select credit card.
Free Add on Card
- Select credit cardholders can get free Add-on cards for the members of their family.
- However, a family member more than 18 years of age is eligible to get a free add-on card.
- A maximum of 3 Add-on cards can be availed by the select credit cardholder.
Zero Liability on Lost Card
Protect yourself from fraudulent transactions or enjoy zero liability on your lost credit card. However, zero liability works only when you immediately report to the bank about your credit card loss.
Insurance Cover
Select credit card ensure the financial security of the cardholder family as it provides personal accident death cover.
Revolving credit facility
The revolving credit facility allows the cardholders to conveniently finance their spends by paying the minimum amount due.
Interest Free Credit Facility
Moreover, the select credit card also provides a 50-day interest-free credit period from the date when you make any purchase.
Read More: BoB Customer Care
BoB Select Card Eligibility
All the applicants have to fulfill the following eligibility criteria to apply for BoB select card.
| 1. Nationality | Indian |
| 2. Age | Between 21 years to 65 years |
| 3. Salary | 4.8 lakh yearly income for both salaried and self-employed. |
Bank of Baroda Select Credit Card Documentation
In order to apply for the Bank of Baroda Select credit card, you have to submit the following documents that are mentioned in the table given below.
| Document Type | Document Name |
|---|---|
| Mandatory Document | Pan Card |
| Address Proof | Driving License, Voter Id, Aadhar Card, Rent Agreement |
| Income Proof | Last Year ITR |
| Id Proof | Driving License, Pan Card, Aadhar Card, Voter Id |
BoB Select Credit Card Apply
Bob has provided the online apply link in their credit card section. Post clicking the link you will be redirected to a new page where you have to fill in all the required information.
Follow the steps accordingly.
- Open the following link on your laptop or computer. Link
- Now you will see a new page with an online form.
- Fill in the first and last name in the required fields.
- Enter your pan card number and email id.
- Type your phone number and current address pin code.
- Now, enter your DOB and choose your nationality from the drop-down menu.
- Hit the “Generate OTP” button and follow the further steps accordingly.
- In the upcoming steps, you can choose a card type and do your KYC online verification online.
BOB Select Credit Card Fees & Charges
Bank of Baroda charges a certain amount of fees that is known as joining and annual fees. You can view the fees and charges in the table published below.
| Fees & Charges | Total Amount in INR |
|---|---|
| Joining Fees | INR 750 + GST |
| Annual Fees | INR 750 + GST |
Conclusion
Bob Select Credit Card is an entry-level card that has limited features but worthy features. This is a value for money credit card for those who love to do frequent online shopping or love to spend on dining or making payment of utility bills online.
However, the reward rate in other categories is less. Still, you can consider this credit card especially when you spent your money on online shopping.
Getting credit card is becoming easier day by day. You can get your First Progress Platinum card without showing any credit history.
Suggested Read
| 1. BOB Eterna Credit Card | 2. BOB Premier Credit Card |
| 3. BOB Easy Credit Card | 4. BOB ICAI Exclusive Credit Card |
| 5. BOB ICSI Diamond Credit Card | 6. BOB CMA ONE Credit Card |
| 7. BOB Prime Credit Card |
FAQs
What is BoB Select Credit Card best for?
The BoB Select credit card is best for online shopping, dining, and utility bill payments. With this credit card, the cardholders will receive 5X reward points on the spending of every 100 rupees.
Is there any monthly capping on the 5X reward points category?
Yes, you can earn a maximum of 1000 reward points per month in the 5x reward points category.
Does it provide 5x reward points in every category?
No, only dining, utility bill payment, and online shopping are eligible for 5X reward points. These 5X reward points will be given on spending of every 100 rupees.
What is the value of each reward point of BoB Select credit card?
Select credit cardholders will get 0.25 rupees for each reward point.
What is the other best feature of this credit card?
The other best feature of BoB select credit card is 1000 monthly bonus reward points.
How much I have to spend to waive off the Select credit card annual fees?
If you have annual spending of INR 70,000 or more the annual fees will be waived off by the bank for your BoB select credit card.