Which Bank of Baroda Credit Card is for Shopping and Everyday Use

Bank of Baroda Credit Card is a convenient option for you to manage everyday needs and earn reward benefits. Well, if you compare, you’ll find it is one of the best credit cards for you. There are exciting rewards on spending and easy to use plus secure payment options. So, if your card is lost, report it to the bank and they’ll block it immediately. It will remove one’s liability should a fraudulent transaction take place with a card. Let’s learn more about this best credit card for shopping on the page below.

What are the Features of Bank of Baroda Credit Card?

The Easy Card has the following features –

Easy EMI

This feature helps you convert purchases into EMIs as one can’t afford such a heavy bill payment each month. So, if you have bought a refrigerator, TV, etc. then convert the purchase into EMIs. You can do so for the purchase of INR 2,500 and above only. How to do the same? For this, you need to follow the below steps –

  • Visit the bank website
  • Log in to your account
  • Select the transaction you want to convert
  • Choose the tenure
  • Check the EMI amount 
  • Click on the ‘Submit’ button

Now, you’ll receive a notification on your registered mobile/email. 

Note – Only the unbilled transaction is valid for conversion.

Fuel Surcharge Waiver

Have you checked how much you spent on gas? If not, use the Bank of Baroda Credit Card and earn on fuel refilling. 1% fuel surcharge waiver is available to the cardholder at all fuel stations across India. For this, you need to transact between INR 400 and 5,000, subject to a maximum of INR 250 per statement cycle.

Note – No reward points are credited on fuel transactions using the Bank of Baroda Credit Card.

Bank of Baroda Credit Card Rewards Plans

On your credit card spending, this best credit card offers you reward points in return. But you need to take care of a few things to get these benefits. For crediting 5X Reward Points on your credit card transactions, the bank relies on the Merchant Category Code. Using this, it’ll identify the merchant acquirer. 

These identifiers or flags are laid out by the card networks like – Visa, Mastercard, RuPay, etc. So, if the merchant acquirer does not send the flag/identifier to BOB Financials or sends an incorrect flag/identifier, you will get regular reward points on your transaction. 

The subcategories and their respective MCCs are also eligible for 5X Reward points. These include the following:

  • Grocery: 5411
  • Departmental store: 5311
  • Movies: 7832

The category you purchase from will decide your Merchant Category Code for the merchant establishment from where you have purchased. BOB Financial reserves the sole right to decide on whether a purchase meets the requirement or not. They won’t be liable for disputes arising due to differences in merchant category code mapping. 

You need to validate Merchant Category Code from the merchant before making a swipe using your Bank of Baroda credit card. Only the above-listed MCCs will make you entitled to the Accelerated Reward Points.

Posting additional reward points is automatic and will be reflected in your next monthly statement.

How to Apply for the Bank of Baroda Best Credit Card?

You can apply for the card online by visiting the official website of BOB Financials or by going to the branch office. Locate your nearest branch online, go there and talk to the representative. Select your Bank of Baroda Credit Card and meet your daily expenses along with the benefits mentioned in the article above.

If you have any queries, contact the BOB Financials using the toll-free number or email them to their registered email address.

Read Also: Best Credit cards for health-conscious individuals

Related Articles

Leave a Reply

Your email address will not be published. Required fields are marked *

Back to top button