Baroda Radiance


Dedicated Team Of Experts

Dedicated Team Of Experts

Working together for your success

The sun is an excellent representation of what Bank of Baroda stands for, its far reaching rays dispel darkness to illuminate everything they touch. Baroda Radiance embodies the aura and brilliance of the Sun representing an exclusive, reliable and client-centric partner addressing composite financial requirements of our elite clientele.

A team of certified and experienced wealth management professionals will help you devise a customized financial planning program, tailor made especially for you. Being an esteemed Baroda Radiance client grants you access to a team of wealth management professionals who work together for delivering cutting edge financial solutions to you.

Baroda Radiance assures you a joyful and memorable wealth creation journey.

Relationship Manager

Relationship Manager

Your personal single point of contact for
your all banking needs

Relationship Manager

Customer Service Managers

Customer Service Managers for all
your service needs

Investment Counsellor

Investment Counsellor

Investment Counsellor for customized
financial planning strategies

Why Invest with Baroda Radiance Wealth Management?

We are pleased to present to you, Baroda Radiance Wealth Management, a scientifically oriented and professionally managed Financial planning platform which endeavours to be a one-stop solution for your wealth management requirements. As has been the legacy of Bank of Baroda, the objective of this initiative is to be the partner and to partner with you in your wealth creation journey.


113 years legacy of client centricity. 131 Million clients across 21 countries have reposed their faith in us for generations.

Customized Financial
Customized Financial Planning

Each financial plan is unique and recommended based on the macro-economic trends, investor's goals and profile, asset allocation matrix, product appropriateness, etc.

Robust Research
Robust Research

Our recommendations & financial plans are based on strong, in-house research capabilities which help us generate superior portfolio performance for our clients.

Exclusive Lounges & Business Centers
Exclusive Lounges & Business Centers

Access the Baroda Radiance Lounges & Business Centres to make or review your financial plan or to conduct your business meetings in luxury.

Comprehensive Wealth Management Product Suite


Direct Equity

  • Cash-Delivery & Intraday
  • Equity Futures & Options
  • Currency Derivatives

Mutual Funds

  • Large Cap
  • Multi Cap
  • Mid and Small Cap
  • Balanced Funds


  • Discretionary
  • Non Discretionary


Life Insurance

  • Term Plans, ULIPS
  • Retirement Plans, Child Plans
  • Micro-Insurance

General Insurance

  • Commercial Risks Insurance
  • Motor Insurance
  • Property & Rural Insurance

Health Insurance

  • Individual/Couple Assurance
  • Family floater plans


Mutual Funds

  • Income/Dynamic
  • Gilt Funds/MIP/Hybrid- Debt
  • Liquid/Ultra Short Term/ Short Term


  • Primary (Pvt./PSU)
  • Secondary (Pvt./PSU/ Sov.)
  • Tax Free Bonds


  • Corporate Deposits

Alternate Investments

Structured Products

  • Pure Debt
  • Equity Participation


  • Long Short Fund
  • Listed Equity Funds
  • Pre-IPO Funds
  • Real Estate Funds


  • Gold ETF
  • Sovereign Gold Bonds

Much More Than Banking

Baroda Radiance comes built in with exclusive privileges ranging from unique experiences to travel advantages, priority
service and preferred pricing. Only for you, only with Baroda Radiance!

Much More Than Banking Image 1
Much More Than Banking Image 2

Master World Debit Card

Master World Debit Card

Master World Debit Card

Packed with some of the Best Offers

  • Valid Internationally
  • Complimentary Airport Lounges*

    Exclusive Lounges & Business Centers

    Exclusive Lounges & Business Centers
    Exclusive Lounges & Business Centers

    Mastercard India Lounge Program

    Mastercard India Airport
    Lounge Program enables
    access to lounges at major
    indian airports where the
    eligible cardholders can
    enjoy complimentry
    usage facilities.

    Selective Lounges of following Airports are Covered:

    The Lounge - Domestic

    TFS - Travel Food Services Lounge – Domestic & International

    TFS - Travel Club Lounge - International, New International & Domestic

    Earth Lounge - Domestic & International

    Plaza Premium Lounge – Domestic T1D, Domestic T3, Domestic T2. Plaza Premium(A) Lounge – International T3. Plaza Premium(B) Lounge – International Terminal 3

    Premium Plaza Lounge – Domestic & International

    Travel Club Lounge – Domestic & International

    Clipper Lounge – International T2. Mumbai Airport Lounge Services – Domestic T2. TFS - Travel Food Services Lounge - Domestic T1C

    Earth Lounge – Domestic.

    For List of Airport Lounges, please click here:

    Mastercard India Lounge Program (21 Lounge List)
    • List of airport lounges is dynamic and is subject to change. The cardholder is requested to refer to the website link above for the updated list.
    • No. of lounge access per customer per card is limited to 02 per quarter
  • Complimentary Golf Program*

    Complimentary Golf Program

    Complimentary Golf Program
    Complimentary Golf Program
    Summary of Benefits
    • 4 complimentary green fee per calendar year (not more than 1 round in a single calendar month)
    • 50% discounted green fee beyond complimentary sessions
    • 12 complimentary golf lessons per calendar year (1 lesson per calendar month)
    • Dedicated Mastercard Golf Program's Concierge Number:
    • Golf Clubs where BOTH Golf Games and Golf Lessons are available:

      Ahmedabad: Gladeone Golf Club
      Ahmedabad: Kalhaar Blues and Greens
      Ahmedabad: Kensville Golf & Country Club
      Bengaluru: Clovers Greens Golf Club
      Delhi NCR: Gurugram: Golden Greens Golf Club
      Delhi NCR: Gurugram: Karma Lakelands
      Delhi NCR: Noida: Jaypee Greens Golf Club
      Delhi NCR:Noida: Unitech Golf & Country Club
      Hyderabad: Boulder Hills Golf Club.
      Pune: Poona Golf Club
      Mumbai: Nine Aces Golf and Country Club
    • Golf Clubs where ONLY Golf Games are available:

      Baroda : Gaekwad Baroda Golf Club
      Chennai : Madras Gymkhana Club (Guindy)
      Delhi NCR :Noida: Jaypee Wishtown (only on limited days)
      Goa :The Lalit Goa Golf Greens
      Jorhat: Kaziranga Golf Resort
      Kochi: CIAL Golf and Country Club
      Kodaikanal: Kodaikanal Golf Club
      Lucknow: The Palms Golf Club
      Mumbai: BPGC
      Mumbai: A premium golf course in Mumbai
      New Mumbai: Kharghar Valley Golf Course
    • Golf Clubs where ONLY Golf Games are available:

      Chandigarh/ Panchkula: Chandigarh Golf Academy
      Chennai: Sandeep Syal at Cosmo TNGF Driving Range
      Delhi NCR : Gurugram: Hamoni Golf Camp
      Delhi NCR :Gurugram: ITC Classic Golf Resort
      Delhi NCR :Gurugram: Skyline Golf
      Delhi NCR :Noida: Noida Golf Club
      Kolkata :Pro Touch Golf Academy
      Mumbai : Golden Swan Golf Academy
      Mumbai : Celebrations Sports Club

    For detailed Terms & Conditions, please visit:
    • List of Golf clubs is dynamic and is subject to change. The cardholder is requested to refer to the website link above for the updated list.
  • Higher Withdrawal limits and Spend limits

    Card Parameters

    Sr.No. Particulars Views of Customer segmentation
    1. Debit Card Daily limits
    a. Cash withdrawal Rs.2,00,000
    b. POS / Ecom Rs.5,00,000
    c. Cash Deposit Rs.3,00,000
    d. No. of cash withdrawals per day Unlimited
    2. International usage Allowed Cash withdrawal: Rs.450/- per Cash Withdrawal Balance Inquiry: Rs.30/- per Inquiry
    Green PIN Provided
    3. Annual / Issuance Fees Free for Lifetime
    4. Cash Withdrawal, Balance Enquiry, Mini Statement etc. on any other Visa / MasterCard / NFS member Bank's ATMs in India
    • On Metro ATMs of other Bank located at 6 Metro Cities, viz. Mumbai, New Delhi, Chennai, Kolkata, Bengaluru and Hyderabad, only 3 transactions per month (including Financial & Non-Financial) for Savings Bank Account holders are free. There after subsequent transactions on Metro ATMs would be chargeable (Rs 20/- for each Financial transaction and Rs 10/- for each Non-Financial transaction).
    • On other Bank's ATM located at any other location besides 6 Metro Cities; number of free ATM transactions per month (including Financial & Non-Financial) for Savings Bank Account holders continues to be 5 (Rs 20/- +GST for each Financial transaction and Rs 10/- +GST for each Non-Financial transaction).
    • Free ATM transactions per month (Financial & Non-Financial) for Savings Bank Account holders on other Bank's ATMs (inclusive of Metro & Non-Metro ATMs) remains 5, out of which you can perform maximum 3 transactions (Financial & Non-Financial) free on other Bank's ATMs at 6 Metros.
    • For Current / Overdraft account holders: No transactions are free. Rs 20/- +GST for every transaction
    5. Surcharges at Railways & Petrol Pumps 2.50% of transaction amount or Rs.10/- whichever is higher.
    6. Loyalty Points 2 point per Rs.100
  • Offers

Bank of Baroda Concierge Services

Travel Assistance

Travel Assistance

Pre trip information services
inoculation & visa requirements
Lost luggage assistance
Lost Passport Assistance
Embassy referral services

Lifestyle Assistance

Lifestyle Assistance

Restaurant referral
Flower, Gift, Chocolate delivery
Hotel/Airline Referrals

Roadside Assistance

Roadside Assistance

Emergency Towing
Repair on Spot
Alternative Travel Arrangement

Medical Assistance

Medical Assistance

Improved Healthcare
Emergency Ambulance Service
Medical Referrals

For Further Information please contact Bank of Baroda Concierge Desk

1800 266 9199 (Toll Free)

Services are being offered by service providers and charges may vary according to the service rendered.

Shopping – Enjoy your spends

Shopping – Enjoy your spends

Shopping – Enjoy your spends

Special “On Demand” Services

  • Travel assistance
  • Roadside assistance
  • Lifestyle
  • Medical emergency assistance: On-demand ambulance

Call Us: 1800 266 9199 and 022-67872097

Golf – Tee off in style !

Golf – Tee off in style !

Service Convenience

  • Priority processing of all requests & preferred recognition across branches
  • 24/7 Priority desk - Call Us on: 1800 258 4555
  • Priority allotment of lockers
  • ATM PIN, a Green PIN - You can select a number of your choice on our ATMs
Service Convenience

Preferred Pricing

Radiance Eligiblity
Net Relationship Value (NRV) 50 lakh and above.
On boarding of fresh customer by paying Rs 10 lakhs cheque with agreement to increase balances to 50 lacs in 6 months from date of on boarding
Benefit Charge Details*
Cheque book issuance charges Free on all SB/CA/CC/OD mainatined in same Customer ID
NEFT/RTGS Free Unlimited
Issuance of DD/BC Free Unlimited
Cash Handling Charges (Deposit) Free Unlimited
Withdrawal and Deposit across branches in India Free
Locker charges discount (no additional discount can be clubbed) 100% discount on all locker categories
Issuance Charges for Gift & Travel Card Zero
SMS Charges Nil
Transaction at Bank's own Domestic ATM's Free Unlimited
Transaction at other Banks ATM -
Debit Card issuance and Annual Charges Zero
Premature closure of accounts in same Customer ID No charges if NRV after closure remains in the range.If NRV falls charges as per scheme guidelines of product
Intersol charges (Deposit) Free
Intersol charges (Withdrawal) Free
  • Wealth Management

    Wealth Management

    Partnering you in your
    wealth creation journey

  • Dedicated Team

    Dedicated Team

    Get the support you

  • Customised Solutions

    Customised Solutions

    Tailormade for you, to
    meet your goals

  • Cutting Edge Research

    Cutting Edge Research

    To help you make
    informed decisions with
    in-depth understanding

  • Lifestyle Privileges

    Lifestyle Privileges

    Only for the elite, like you

Disclaimer click here


  • Baroda Radiance Proposition is available for the customers interested in Wealth Investment products and fulfilling the eligibility criteria of Quarterly Average Balance of 50 Lacs and above in Saving/ Current and Term Deposit.
  • Baroda Radiance Proposition will be provided as per the availability of Senior Relationship Manager at the location.
  • Presently, Baroda Radiance Proposition is available at the following locations.


  • Ahmedabad
  • Anand
  • Bengaluru
  • Bhopal
  • Chandigarh
  • Chennai
  • Coimbatore
  • Delhi/NCR
  • Hyderabad
  • Indore
  • Jaipur
  • Kanpur
  • Kolkata
  • Lucknow
  • Ludhiana
  • Mumbai
  • Nagpur
  • Pune
  • Udaipur
  • Vadodara
  • Visakhapatnam

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