BOB Select Credit Card Apply Online

BOB Select Credit Card offers select privileges on online shopping, dining expenses, utility bill payments, fuel purchases, and more. By providing monthly bonus rewards, Select Credit Card offers better value for all purchases.

BOB Select Credit Card: 

Those who spend Rs 70,000 annually using the card will get the card for free for life. Free insurance coverage and two other exciting features are offered on the Zero Liability Card on the lost card. Continue reading to understand more about the benefits of Bank of Baroda Credit Cards and other BOB Cards.

Features and Benefits BOB Select Credit Card:

1. Reward Points Program: 

  • Get 1 Reward Point for every Rs 100 spent on all categories and five more rewards on online shopping, dining, and utility bill payments.
  • Bonus Reward Points up to Rs.1,000/- on five transactions exceeding Rs.1,000/- on the card.
  • Redeem Reward Points for Cashback or other exciting gifts and vouchers.

2. Annual fee waiver: 

  • Enjoy an annual fee waiver by spending Rs 7,500 in the first 60 days of receiving a credit card and Rs 70,000 yearly.

3. Fuel Surcharge Exemption: 

  • Zero fuel surcharges on all fuel transactions made at any petrol station across India
  • Surcharge exemption applies from a minimum transaction value of Rs.400 up to Rs.5,000.

4. Turn purchases into EMIs: 

  • You can convert credit card purchases over Rs 2,500 into easy monthly instalments (EMIs).
  • The available repayment period is 6 or 12 months.

5. Free Add-on Cards: 

  • A maximum of three-lifetime free add-on credit cards for basic cardholder family members
  • You can obtain add-on cards from spouses, parents, siblings, and children over 18.

6. Free Insurance Cover: 

  • BOB Select Credit Card has a built-in personal accident death insurance cover to provide financial protection to the cardholder and their family.
  • Insurance is provided free of charge.

7. Zero Liability on Lost Card: 

  • Report BOB Select Credit Card as Lost within 24 hours and be liable for 0% of fraudulent transactions.

8. Other Features: 

  • This card offers an interest-free period of up to 50 days. A revolving credit facility is available upon payment of the minimum amount due.


Fee TypeAmount
First-year feeRs.750
Annual feeRs.750
Cash withdrawal fees (Domestic ATMs)2.5% of the transaction amount subject to a minimum of Rs.300
Cash withdrawal fees(International ATMs)3.0% of the transaction amount subject to a minimum of Rs.300
Finance charges or interests3.25% per month or 39% per annum
Duplicate bill feeRs.25 per request
Cheque return charge2% of the cheque amount or Rs.300, whichever is higher
Over limit charge1% if the usage exceeds the sanctioned credit limit per month
Card replacement chargeRs.100 per request
Foreign currency transaction fees3.5% of the transaction amount
Charge slip retrieval chargeRs.250 per slip
Card de-blocking chargeRs.300 per instance
Late payment chargeIf the outstanding is
  • Rs.200 – NIL
  • 201 Rs to Rs.500 –100 Rs
  • 501 Rs to Rs.1,000 – 400 Rs
  • 1,001 Rs to Rs.10,000 – 500 Rs
  • More than 10,001 – 750 Rs

Bank of Baroda Select Credit Card Rewards:

Although the charges associated with the BOB Select Card may initially seem expensive, it is essential to understand the enormous rewards and benefits of the card.

Bank of Baroda offers several benefits and rewards to select credit card holders. For example, for every 100 spent, you get one reward point equivalent to 0.25 paise.

Below are the Accelerated Reward Points:
  • You get 5 Reward Points for every 100 you spend on an online utility/dining/shopping function.
  • However, these reward points are limited to 1000 per month.
  • Under Bonus Reward Points, you can earn 1000 Rewards by making five transactions per 1000 per month.
  • The program also offers a 1% fuel surcharge on transactions up to Rs. 400 to Rs. 5,000.

Eligibility Criteria:

There are specific eligibility criteria for all credit cards. Still, the following credit holders can obtain the Bank of Baroda Select Credit Card:

  • Applicants must be between 18 and sixty-five years of age.
  • The applicant must be self-employed or salaried.
  • The applicant’s annual revenue is Rs. 25,000.
  • Applicants must submit proof of identity, income, residence, and their PAN card along with the photo.

Documents Required:

For Salaried:

  • Personal account with BOB.
  • Copy the latest Form 16 or ITR.

For self-employed:

  • Flat sheet for the last three years
  • Profit and Loss Account Applicants must submit a photocopy, proof of identity, and proof of address.

How to apply?

You can easily apply for the Bank of Baroda Select Credit Card online by following some simple steps as follows:

  • Go to the official website.
  • Select Bank of Baroda. Select Credit Card.
  • You will be redirected to the application form, which you must complete carefully.
  • Then, generate OTP.
  • Then, you must have the following documents.
  • Photo/photocopy of your PAN card.
  • Image/photocopy of proof of your address.
  • Image/photocopy of proof of income.
  • Soft copy of your image.
  • Complete all required formalities.

Apply through SMS:

You can send an SMS to 9223990624 from your registered number with the message “Apply <city name>.” A bank representative will contact you and assist you in obtaining the BOB Select Card.

Track Application Status:

Credit Card Customer Care:

BoB Financial Services offers limited value to its customers and, therefore, provides 24*7 assistance & support to them.

You can contact 1800-103-1006 or 1800-225-100 for the following services:

  • To block your card
  • Balance inquiry
  • PIN generation
  • To know your card status

You can also avail of the BoB SMS service number 9223172141. Send an SMS to this number as follows:

  • To block your lost/stolen card – SMS BLOCK XXXX
  • For Balance Inquiry – SMS BAL XXXX
  • To Receive Summary of Reward Points – SMS Reward XXXX to Summary of Your Last Statement – XATX SMS
  • To find out the last payment details – Payment XXXX

(Where XXXX is the last four digits of your credit card number)


Bank of Baroda Select Credit Card allows you to save all your expenses through its special reward offers. Unlike regular rewards, you get extra tips on dining, utility bill payments, or online transactions.

In addition, it is a lifetime free credit card accessible to all. So, if you are one of the people who are going to start their credit journey or are looking for a card to help them save all their expenses, you can, without any doubt, opt ​​for the Bank of Baroda Select Credit Card.


What are the withdrawal charges for the BOB Select credit card?

The currently applicable BoB select credit card withdrawal charge is 2.5% of the withdrawn amount or Rs. 500, whichever is higher. The cash withdrawn is also eligible for monthly finance charges of up to 3.49%. Note that the finance charges may vary across all BoB credit cards.

What are BOB select Bank cards?

Select Bank Card is a full-service payment solutions provider focusing on building trust through reliable software technology and exceptional customer service. They value their relationships and have concentrated on supporting our merchants and partners.

How much credit score is required for a BOB credit card?

Bank of Baroda has a minimum CIBIL score requirement of 750 for issuing a credit card.

What is the per-day limit of the BOB select card?

RuPay Select Debit card has higher limits at ATM cash withdrawals and POS/E-com transactions. Daily cash withdrawal of Rs. 1,50,000 from ATM. Daily POS/E-commerce transactions Up to Rs 5,00,000.

How long it takes to get a BoB credit card after approval?

Ideally, it takes up to 21 working days from the date of application to get your credit card delivered to your address.

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