Bank announces Financial Results for quarter ended, 31st December 2023.
Bank of Baroda (UK) Ltd announces its intention to wind down and close its UK retail banking activities Visit our website https://www.bankofbarodauk.com/ for any further information.
As per revised RBI directives all our Locker-holders are requested to visit Bank of Baroda, Base Branch.
With Bank Of Baroda personal loan, you get lowest interest rates, instant approval with minimal documentation. Checkout Bank of Baroda personal loan interest rates & eligibility. Apply now!
Apply for Bank of Baroda Home Loan online at the lowest interest rates. Checkout our home loan eligibility, interest rates, documentation. Get instant home loan approval. Apply now!
Car Loan: Apply for auto loan online by Bank of Baroda at an attractive interest rates & easy EMI option. Upto 90% financing on on-road price. Buy your dream car today!
Why should finance come in the way of future? Getting an education loan is an easy way to finance your dreams. A student loan can help you get into the university of your choice. Bank of Baroda is here to finance your dreams, education & career goals.
The easiest way to save for you, for your loved ones, and for your future. A savings account gives you the liberty to choose according to your needs and additionally give you benefits for all your transactions. With a gamut of savings account features on the table, Bank of Baroda is here to make your banking simple and easy!
Open Current Account online at Bank of Baroda to meet all your banking needs. Go to our website to learn more about the different types of current accounts we offer and apply now!
Bank of Baroda deposit plans offer convenient solutions to both working individuals as well as senior citizens. These deposits are categorised into deposits with a term period of less than 12 months, more than 12 months and recurring deposits.
An account for all. B3 Silver Account comes with maximum savings and zero Quarterly Average Balance (QAB). Also, make the most of coins and annual offers from Loyalty Rewardz to fulfill yearlong subscriptions and shopping.
Locate Us, Anytime, Anywhere
Bank of Baroda focuses on its employees, offering a career rather than just a job. Various initiatives are in place to groom employees throughout their life cycle. A comprehensive talent management system to groom future leaders of the bank.
Bank of Baroda offers various types of personal banking cards such as Credit, Debit, Prepaid, Business & Travel Cards. Choose the one best suited card for your needs.
A credit card is a financial instrument supplied by banks with a pre-set credit limit for online and offline shopping. You may be eligible for a credit card based on your credit score, history, income, and other bank guidelines. Apply for a credit card at BOB Financial site. In other words, a credit card is your convenient, anytime money that you must repay only after 50 days because there is no interest until then.
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In 3 simple steps:
You can also visit any of your nearest Bank of Baroda branches.
Use your Bank of Baroda credit card for:
Not only that, but you may convert purchases of more than Rs. 2500 on your card into cheap EMIs ranging from 6 to 36 months.
Visit our website at www.bobfinancial.com to check your eligibility and apply for your Bank of Baroda credit card.
In short, it doesn’t just give you instant credit; it enables you to step up to the dream life you’ve always wanted and delights by adding to your savings too!
Credit Cards are broadly classified as follows -
For details on Bank of Baroda Credit Cards – visit BOB Financial site
Usually, banks offer 1 credit card to every customer, few banks also offer multiple credit cards to the same customer. For ex: Retail Card for personal use and Business or Corporate Credit Card for official expenses.
Payments by credit cards are not permitted for P2P transactions. However, credit card loans are available. (Conditions apply)
Of course, yes. Please keep in mind that you must first enable your Bank of Baroda credit card for foreign transactions.
No. Certain credit card transactions are not permitted, and one of them is the transfer of funds to a bank account.
In case of any theft, unauthorized transaction or fear of fraudulent use on your card, you can permanently block your card using any of the options -
1. SMS BLOCK XXXX to 9223172141 from your registered mobile number (XXXX is the last 4 digits of your card)
2. Log in to the Bank of Baroda Credit Card customer portal or mobile app -> Go to Menu & Select the 'Card Block' option and immediately block your card following the screen instructions.
Every card comes with a sub-limit for cash withdrawals, you can use your card up to that amount for cash withdrawal at the ATM using your credit card. You can confirm your cash limit by calling customer service number printed on your credit card.
Every card has a cash withdrawal sub-limit. You can use your credit card to withdraw cash from an ATM up to that amount. Call the customer support number on the back of your credit card to confirm your cash limit.
You can call the customer support number on your credit card to see if you are qualified for a higher limit or to learn how to request one.
The bank determines the credit card limit based on one's income, existing debts, and performance on past repayments (if any).
The Bank is issuing different types of debit cards in coordination with Visa, MasterCard and RuPay. To know the details of different card variants being issued by the Bank, please refer to Digital Products >> Cards section on our Bank’s website https://www.bankofbaroda.in/personal-banking/digital-products/cards
Yes, Rs. 200 + tax is charged for replacement of damaged card/lost card.
A maximum of 9 accounts held in the same name and same capacity can be linked to a debit card. Please submit a request for linking multiple accounts on your debit card to your base branch.
Steps to be followed:
SMS of blocked Debit card will be sent at your registered mobile number.
Request for blocking of debit card can be submitted by visiting any nearest Bank of Baroda Branch.
The Accidental Death and Total Disability cover is provided by NPCI. Below are the variants that are eligible for the same:
Sum Insured for Insurance - RuPay PMJDY
The Sum insured is Rs.1 lacs for RuPay cardholders of Old * PMJDY Cards and Rs.2 lac for RuPay Cardholders of New ** PMJDY Cards
Sum Insured for Insurance - RuPay Platinum - 2 lacs
Sum Insured for Insurance - RuPay Platinum - 10 lacs
For more details on RuPay Insurance Program, please contact your nearest Bank of Baroda branch.
Automated Teller Machine is a computerised machine that provides the Bank’s customers the facility of accessing their accounts for dispensing cash and to carry out other financial transactions without the need of actually visiting a bank branch.
The ATM cards/debit cards, credit cards and prepaid cards (that permit cash withdrawal) can be used at ATMs for various transactions.
The cards issued by Banks in India are enabled for use at any bank ATM within India.
For transacting at an ATM, the customer must insert (swipe) their card in the ATM and enter their Personal Identification Number (PIN).
The services offered may vary from bank to bank, or may depend on the capacity of the machine to provide such services.
PIN is the numeric password for use at the ATM. The PIN is separately mailed/handed over to the customer by the Bank while issuing the card. This PIN has to be reset to a new PIN by the customer. Most Banks force the customers to change the PIN on the first use.
The PIN should not be written on the card, card-holder etc., as in such cases the card can be misused. if it’s lost/stolen.
The customer may contact the card-issuing bank branch and apply for retrieval/issuance of a new card. This procedure is applicable even if the card is sucked in at another bank’s ATM.
The customer may contact the card-issuing bank immediately on noticing the loss to enable the bank to block such cards.
Yes. Banks set the limit for cash withdrawal made by customers. The cash withdrawal limit for use at the ATM of the issuing Bank is set by the Bank during the issuance of the card. This limit is displayed at the respective ATM locations and also in the user guide provided to the customer.
For cash withdrawal at other bank ATMs, Banks have decided to maintain a limit of Rs. 25,000 per transaction. This information is displayed at the ATM location.
No charges are payable for using other Banks’ ATM for cash withdrawal and balance enquiry, as RBI has made it free under its ‘Free ATM access policy’ since 01/04/2009. But banks can restrict the number of such free transactions to a maximum of five per month. For transactions beyond this minimum number of transaction, Banks charge maximum of Rs. 20 per transaction.
The customer may lodge a complaint with the card issuing Bank. This process is applicable even if the transaction was carried out at another Bank’s ATM.
As per the RBI instructions, Banks may re-credit such wrongly debited amounts within a maximum period of 12 working days.
Yes. Effective from 17/07/2009, Banks shall have to pay customers Rs. 100 per day for delays beyond 12 working days. This shall have to be credited to the account of the customer without any claim being made by the customer.
For all such complaints customer may lodge a complaint with the local Banking Ombudsman, if the Bank does not respond.
After receiving funds from the purchaser, the card will be activated within 24 hours. Thereafter, the card can be used at any merchant location or internet for shopping.
Baroda Gift Card can be used at any VISA-certified merchant establishment in India. However, it cannot be used to withdraw cash as per the current guidelines of Reserve Bank of India.
Usage of the card at merchant location (Point of Sale) is free of charge.
You can enquire balance available on your gift card by using the Bank’s internet portal https://bobprepaid.enstage.com/prepaid/cms/customer/index.jsp and/or calling our 24-hour customer care toll-free number 1800 102 5627 by giving card number and identification.
You are required to sign on the charge slip (produced by the Electronic Data Capture machine at the time of purchase) to complete a transaction at the merchant outlet. The merchant has to match this signature with the signature available on the reverse of the card. Transactions at merchant outlets are thus protected by the user's signature. We recommend that on receipt of the Gift Card please ensure to sign on the signature panel immediately.
As soon as you know that the card is misplaced or lost, you must immediately report the loss of the card to our customer care toll-free number 1800 102 5627. Our team would immediately hotlist the card after ascertaining your identity and prevent any further usage.
Baroda Gift Card is a magnetic stripe pre-loaded card accredited by VISA. It is an elegant way of gifting to your near or dear ones who in turn can use the same at merchant outlets/internet to purchase items of their choice. Thus, it allows freedom and choice of purchase to the person receiving the gift. It can be used for any occasion including Diwali, Holi, New Year, Rakhi, Birthday, Marriage, etc.
Baroda Gift Card is a single load card. Top-up is not permitted as per current Reserve Bank of India guideline..
No, transfer of funds from one Gift Card to another is not allowed..
Bank of Baroda Gift Card is offered in a sealed welcome kit which contains a Gift Card, PIN mailer and user guide. We recommend the purchaser ensure that a sealed cover is delivered to them.
These limits are subject to the balance available in the account of card holder.
Except for transactions made at petrol pumps and railways where service charge levied as per industry standard practices.
In the past, debit cards were issued for 5 years, but now the same is being issued for 10 years.
Available for purchase transactions after the date and time the loss of card is reported.
Debit card is an electronic purse, which allows the holder to withdraw cash from ATMs and also enables him to purchase goods or services from the member establishments. Debit cards are mostly issued in collaboration either with Visa or MasterCard.
Bank is issuing globally, accepted debit card in association with Visa, which will be the easiest way to access a customer’s account. A debit card will allow the customer to purchase goods at Visa electron merchant establishments and withdraw cash from any Visa ATM in India and abroad. It is a 24 hours banking facility.
The basic difference between a debit card and a credit card is that the debit card gives the customer access to his own money, whereas the credit card is a form of loan and allows a line of credit offered by the Bank. In the case of a debit card, there will be online debit to the customer’s account, there is no hassle of receiving bills, making payments on due dates, making payment of interest on the amount not paid, etc.
All the joint account holders, if the operating instructions in the account are ‘either or survivor’, are eligible to get an additional card in their own name.
There are no charges for issuing a debit card.
Customers are advised to immediately sign on the panel on the back of the card. However, to prevent any possible misuse, even before delivery of card to a customer, it has been made mandatory that the customer should first use the card at ATM, which requires PIN to be entered. Debit card will be activated for use at POS only after it is used at ATM.
PIN is a four-digit Personal Identification Number, which is issued to the customer in a closed jacket and is delivered to him separately. Customers are requested to ensure that the PIN jacket is received by them intact, and they are also requested to change their PIN immediately. Under no circumstance, the PIN should be divulged to anyone including to any official from the Bank.
At Bank of Baroda’s ATM network, customer will be able to withdraw cash, make a balance enquiry, change his PIN and print a mini statement of his account. However, at all other banks ATMs he will be able to withdraw cash and enquire the balance only.
There will not be any charges for using the card at Bank of Baroda’s own ATM network. However, if the card is used at other banks’ ATM, whether in India or abroad, customer is required to pay the charges as per tariff of charges, which will be declared by the Bank from time to time.
There will not be any charge for using the card at the POS, either in India or abroad except a nominal service charge is levied, if the card is used at petrol pumps and Indian railways.
Normally the cash can be withdrawn and payments for purchases can be made up to the amount of balance available in the account of the customer. However, for safety reasons, the Bank has fixed a per day limit of Rs. 15,000 for withdrawing the cash at ATMs, and Rs. 25,000 for making purchases at the POS, subject to a maximum of balance available in SB account. These limits are also subject to using the card maximum of four times in a day.
No, the customer is required to use the card as per his/her foreign exchange entitlements only and necessary formalities as required under FEMA 1999 are to be complied with by the customer.
The account of the customer will be debited instantly to the extent of purchases made and the amount withdrawn from the ATMs. Therefore, there will not be any monthly outstanding as in case of credit cards.
In case he cancels the transaction immediately, the customer’s account will be credited immediately. However, if any customer returns the goods later, merchant will make the payment to our base branch through the acquirer. Switch will pass on the credit to the customer’s account thereafter.
In case of loss of card, customer will be required to report the loss immediately over phone to our 24-hours customer care toll-free number 1800 220 400. He/she will also be required to report the loss to nearest police station and inform the Bank in writing along with a copy of information duly acknowledged by the Police.
Replacement card will be issued to the customer after receipt of above information and a request for issuing of replacement card from the base branch of the customer.
Customers are protected from the misuse/losses on the debit card after they report the loss to the Bank. They will be covered automatically under an insurance cover. Please note that this cover will be available to customers only for misuse of the card at POS, because at the ATM, misuse without a PIN is not possible. Customer is neither supposed to divulge his PIN to anyone nor record the PIN anywhere.
Baroda Reloadable Card is a prepaid card that facilitates various transaction/payment related needs. A card usage is restricted to the amount loaded on the card. If required, customers can reload the amount on the card.
After receiving the funds along with the application bank will activate the card within 24 hours. Customer will be notified by SMS on the registered mobile number and thereafter, it can be used for online shopping, POS transactions and ATM transactions.
Yes. Currently, Baroda Reloadable Card can be purchased by the Bank’s account holders only. Person desirous of purchasing a card, can visit the identified branch of Bank of Baroda and purchase a Baroda Reloadable Card over the counter.
All KYC compliant operational accounts are eligible for purchasing Baroda Reloadable Card. The table below shows the types of accounts eligible:
Please Note: Only one card per account can be issued for retail customers. In case of accounts where more than one account holders are present, multiple cards cannot be issued, only one card can be issued. For corporate customers, there is no limit on number of cards per account.
Baroda Reloadable Card is available in INR only and can be used in India only.
Baroda Reloadable Card can be used at ATM, POS (any VISA certified merchant establishment in India) and e-commerce.
The Baroda Reloadable Card reload/top-up is subject to (a) Total balance in the card at any given point must not exceed Rs. 50,000 (b) One reload per day per card is allowed.
You can enquire balance available on your Reloadable CBard by using the ank’s website and/or calling our 24-hour customer care toll-free number 1800 102 5627 by giving card number and identification.
No, transferring funds from one Reloadable Card to another is not allowed.
Baroda Reloadable Card is offered in a sealed welcome kit which contains EMV Chip Reloadable Card, PIN mailer and user guide. We recommend the purchaser to ensure that a sealed cover is delivered to them.
You are required to sign on the charge slip (produced by the Electronic Data Capture machine at the time of purchase) to complete a transaction at the merchant outlet. The merchant has to match this signature with the signature available on the reverse of the card. Transactions at merchant outlets are thus protected by the user's signature. We recommend that on receipt of Reloadable Card please ensure to sign on the signature panel immediately. Also, ensure the merchant is dipping the card in POS machine instead of swiping it at locations where EMV reading capability is present with merchant. Doing this will require you to enter your secret PIN to complete the transaction.
As soon as you know that the card is misplaced or lost, you must immediately report the loss of the card to our customer care toll-free number 1800 102 5627. Service provider team would immediately hotlist the card after ascertaining your identity and prevent any further usage.
For retail customers, one card per account is allowed. For, corporate customers there is no such limit.
Minimum amount that can be loaded is Rs. 100. Maximum amount permitted in a card at any given point of time is Rs. 50,000
Above charges are applicable for our Bank’s ATM also.
NOTE: Charges are excluding GST. Charges may change anytime solely at the discretion of Bank. For the latest schedule of charges, please visit www.bankofbaroda.com Prepaid Card Section—Reloadable Card.
To check card status or balance login to URL for customer care: https://bobprepaid.enstage.com/prepaid/cms/customer/index.jsp or call the customer service number provided at the back of the card.
Yes, customer can reload the card anytime during the validity of card. Card will be reloaded within 24 hours. Customer must approach the issuing branch to request reloading the card.
The minimum value that can be reloaded on Baroda Reloadable Card is Rs.100 and the maximum reload value is Rs. 50,000 (subject to card available balance + reload amount < rs.="" />
Baroda Reloadable Card can be reloaded multiple times before the expiry date
ATM PIN (PIN) is a unique 4-digit secure number assigned to a card and known only to the customer. It allows you to withdraw cash from VISA ATMs (charges are applicable). Customer is advised to change and memorise the PIN as soon as he/she receives a new card.
At the time of cash withdrawal at Visa ATM, customer has to choose among 3 types of accounts to carry out the transactions:
Please choose the ‘Savings’ option for a successful transaction.
For any assistance and information related to your Baroda Reloadable Card, call customer service number 1800 102 5627 or write to bobsupport@cardbranch.com
Cardholder may call at our IVR number 040 30913707 from their registered mobile number to reset the PIN. Caller will be guided to reset the PIN during the call. Alternately, they can write to bobsupport@cardbranch.comto reset the PIN. Charge of Rs. 100 (inclusive of applicable GST) is applicable.
At present, Baroda Reloadable Card cannot be used for over-the-counter cash withdrawal.
Please call our customer service number and request for a reissue of ATM PIN. Service provider will send the ATM PIN at the email address provided at the time of activation of the card.
Yes, login to https://bobprepaid.enstage.com/prepaid/cms/customer/index.jsp and lock your Baroda Reloadable Card temporarily. Here user ID will be card number and the password is your PIN.
Please login to https://bobprepaid.enstage.com/prepaid/cms/customer/index.jspto track all your transactions, anytime and from anywhere. Here user id will be the card number and password is PIN.
As soon as you sense that the card or card related data (like PIN) is compromised/stolen, immediately call the customer care centre and request to block the card. Lodge the lost/stolen card complaint with the local law enforcement authority. Raise request to replace the card.
Contact the issuing branch fill out an application, submit the card (if not stolen/lost) and will receive a new card.
Procedure and terms to reload replacement card will remain the same as the original card. Upon revalidation old card will be replaced in the system with the new one and this new card will be linked to the account. Balance available in the old card will be transferred to the new card within 24 hours..
Baroda Reloadable Card is valid for maximum 36 months from the date of issuance or the date printed on card whichever is earlier. Upon card expiry, please visit the issuing Branch for a new card only after giving back the old card.
Customer may withdraw/utilise the funds available in card and bring the balance in the card to zero and submit the card to issuing branch along with a request to surrender the card.
Alert SMS is sent one month before the expiry of card to the registered mobile number of cardholder to utilise the funds available. Cardholder also has an option of revalidating the card within three months from the date of expiry. If the customer fails to utilise the funds before expiry of card and revalidate the card, remaining fund (if any) will be transferred to the linked account of the cardholder.
Bank of Baroda TravelEasy Card is a prepaid international currency card that facilitates various transaction/payment related needs during overseas visits. Card usage is restricted to the amount loaded on the card. If required, the customer can reload the amount on the card.
The card can be loaded with international currency in India and used on the POS across 12 million+ Visa Merchant Establishments without any charges and draw cash from 1.5 million+ Visa ATMs across countries after paying notified charge.
Baroda TravelEasy Card can be purchased from identified branches (for conducting foreign exchange business) of Bank of Baroda.
At present, Baroda TravelEasy Card is available only in US Dollar, EURO, GBP.
Card cannot be used in India, Bhutan, and Nepal. Government, regulatory authorities, bank or VISA might restrict usage of card in certain countries. Such information is provided by the Bank, Bank’s customer support, Visa or concerned authorities.
Yes. US Dollar loaded Baroda TravelEasy Card can be used in countries where US Dollar is not local currency. (For such usage cross currency fees will be applicable: Please check the fee schedule for details)
Baroda TravelEasy Card can be purchased by Indian Residents holding our Bank’s account as well other persons not holding account with Bank of Baroda. Person desirous of travelling abroad can visit identified branch of Bank of Baroda and purchase a Baroda TravelEasy Card over the counter. Proper KYC is needed for both, the Bank account holders as well as walk-in customers.
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