Name: Bank of Baroda Premier Credit Card
Brand: Bank of Baroda
SKU: osFIImVfbK9PZmDQKBD5
Rating: 4.5 (36 reviews)

Question 1

Is Bank of Baroda Premier Credit Card free?

Accepted Answer

No, Bank of Baroda Premier Credit Card has a first-year joining fee of ₹1,000 + GST and a renewal fee of ₹1,000 + GST is waived off if you spend ₹10,000 within 60 days and ₹1,20,000 in a year

Question 2

Can I withdraw cash from Bank of Baroda Premier Credit Card?

Accepted Answer

Like most of the credit cards, you can withdraw money using Bank of Baroda Premier Credit Card up to your allowed cash withdrawal limit. Every transaction includes a fee of 2.5% on the advanced amount, subject to a minimum of ₹300. The interest rate is 3.25% monthly or 39% annually.

Question 3

What is the interest rate for Bank of Baroda Premier Credit Card?

Accepted Answer

The interest rate on Bank of Baroda Premier Credit Card is 3.25% monthly or 39% annually. The interest is calculated on the balance due from the starting date of the billing cycle.

Question 4

Is Bank of Baroda Premier Credit Card International?

Accepted Answer

Yes, you can use Bank of Baroda Premier Credit Card internationally and each transaction will have a 3.50% foreign currency mark-up fee. Make sure you update Bank of Baroda about your travel plans by calling their customer care before your travel so that your transactions are not denied by Bank of Baroda suspecting these are fraudulent.

Question 5

How can I pay my Bank of Baroda credit card bill?

Accepted Answer

Credit card bills can be paid via multiple channels:

Mobile App
Bank of Baroda Bank ATM
Drop cheques in the 'drop box' at Bank of Baroda Bank branches
Cash payments at the bank branch
Auto-Debit facility
Net banking
Customer Care Centre
Visa money transfer
NEFT

Question 6

What is the billing date of the Bank of Baroda Credit Card?

Accepted Answer

Every credit card has a billing cycle. Bank of Baroda Credit Card billing date is 1st of every month and the due date is 20th of same month, Payment due dates are 20 days from your billing date. You can get up to 51 days free credit on purchases without any fees levied on to your Bank of Baroda Credit Card account

Question 7

Will I be charged for IMPS transactions?

Accepted Answer

Yes. If your transaction amount is between ₹1 and ₹1 lakh, you will be charged ₹5 and the applicable GST. For transactions above ₹1 lakh and up to ₹2 lakh, you will be charged ₹15 and the applicable GST.

Question 8

Will I be charged for NEFT transactions?

Accepted Answer

No charges on online NEFT transactions. RBI has mandated banks to not to charge any fees on NEFT transactions done by savings account holders from January 1, 2020.

Question 9

How do I report that my credit card has been lost or stolen?

Accepted Answer

You must notify immediately if you become aware that your credit card has been lost, stolen or misused. Call to Bank of Baroda Customer Care or report via online.

Question 10

How can I get my credit card statement?

Accepted Answer

Log in to your Internet Banking Account or Mobile app to view your credit card statement, you will receive your statement if you have registered for a paper statement. You can also call the bank customer care for credit card statement related queries.

Question 11

Is applying for a credit card will do the hard credit pull?

Accepted Answer

Whenever you apply for a credit card bank will do the “hard inquiry,” or “hard pull.” to verify your creditworthiness. So it is a chicken-and-egg problem. To get a credit card you need credit history and to build good creditworthiness you need to have a credit card and build credit history by using and repaying credit cards.

Fee Type	Charges
Card replacement fee	₹100
Cash withdrawal fee	Domestic 2.50% on advanced amount, International 3%, subject to minimum of ₹300
Late payment charges	No charge for up to ₹500 outstanding balance ₹300 for between ₹501 to ₹2,500 ₹500 for more than ₹2,500
Cheque Return Charges	₹300 or 2% of cheque amount
Over limit charges	1% if the usage exceeds the sanctioned credit limit per month

Bank of Baroda Premier Credit Card Offers & Benefits

Bank of Baroda Premier Credit Card

Key Details of Bank of Baroda Premier Credit Card

Pro's of Bank of Baroda Premier Credit Card

Rewards Rate of Bank of Baroda Premier Credit Card

Fee Details of Bank of Baroda Premier Credit Card

Charges of Bank of Baroda Premier Credit Card

Documentation for Bank of Baroda Premier Credit Card

Frequently asked questions