Frequently Asked Questions (FAQs)

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  • What is a Credit Card?

    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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  • How to Apply for a Credit Card?

    In 3 simple steps:

    1. Complete the e-application
    2. Aadhaar-based e-signature
    3. Confirm with video KYC

    You can also visit any of your nearest Bank of Baroda branches.

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  • How to use a Credit card?

    Use your Bank of Baroda credit card for:

    • Retail purchases
    • Online shopping
    • Cash withdrawals at ATMs
    • Foreign Rs. 2500 (cross-border) transactions while travelling overseas by enabling it for contactless (Tap & Pay) transactions.

    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.

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  • How to check Credit Card Eligibility?

    Visit our website at www.bobfinancial.com to check your eligibility and apply for your Bank of Baroda credit card.

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  • What are the benefits of an Bank of Baroda Credit Card?
    • Exciting privileges across dining, travel, entertainment, and more
    • Rewards on spends
    • Welcome Perks
    • Complimentary Service

    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!

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  • What are the 4 types of credit cards?

    Credit Cards are broadly classified as follows -

    1. Retail/Consumer Credit Cards
    2. FD backed/Secured Credit Cards
    3. Co-branded Credit Cards
    4. Commercial Credit Cards

    For details on Bank of Baroda Credit Cards – visit BOB Financial site

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  • How many credit cards can I have?

    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.

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  • Can I pay a person with a credit card?

    Payments by credit cards are not permitted for P2P transactions. However, credit card loans are available. (Conditions apply)

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  • Can I use my credit card for international transactions?

    Of course, yes. Please keep in mind that you must first enable your Bank of Baroda credit card for foreign transactions.

    1. Log in to the Bank of Baroda Credit Card customer online OR mobile app
    2. Navigate to ‘Go to Menu’
    3. Select the 'Card usage/management' option
    4. Activate your card for international use instantly by following the screen instructions.

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  • Can I transfer money from credit card to bank account?

    No. Certain credit card transactions are not permitted, and one of them is the transfer of funds to a bank account.

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  • What should you do in the case of theft or loss of your credit card?

    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.

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  • How much cash can I withdraw from credit card?

    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.

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  • When can I redeem my credit card reward points?

    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.

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  • How do I increase my credit card 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.

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  • How is my credit card limit decided?

    The bank determines the credit card limit based on one's income, existing debts, and performance on past repayments (if any).

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  • What are the eligibility criteria for Issuance of Debit Card?
    • The debit card can be issued to individual accounts holders/self-operated savings, current and overdraft accounts. For joint accounts, with operating instructions as ‘either or survivor’ and ‘anyone or survivor’ the card can be issued to anyone or all the joint account holders.
    • Baroda Visa Vyapaar Debit Card can also be issued to Private Limited Companies, Public Limited Companies and Partnership Firms below mentioned mode of operations:
      1. Self
      2. Sole Proprietor
      3. Any One Partner
      4. Any One Director
      5. Chairman
      6. Managing Director
      7. Authorised Signatory

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  • What are the different types of debit cards issued by Bank of Baroda

    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

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  • Is there any fee for the issuance of debit card?
    • The fees are subject to change from time to time at the sole discretion of Bank/RBI etc. For charges, please refer to Debit Card section on our bank’s website. For charges, please Click here

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  • Can a fresh Debit card issued in lieu of a lost/damaged card and what is the amount to be charged?

    Yes, Rs. 200 + tax is charged for replacement of damaged card/lost card.

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  • How many accounts maximum can be linked to my Debit card and what is the procedure?

    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.

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  • My debit card doesn’t work on ATMs.

    Debit card does not work on ATMs due to some of the following reasons

    • The debit card may be blocked.
    • The debit card may not have swiped the card properly.
    • The Debit card might have got damaged/deteriorated due to which it is not accepted by the ATM where the card reader may be weak. In such case you may try at another ATM and if still does not work, request for a new card to your branch. You may also apply for debit card through bob World (Mobile Banking) / Baroda Connect (Internet Banking) /Contact Centre.
    • Account may be inoperative or frozen at the branch level due to some reason. Please contact your branch to know the account status.
    • Customer may be using the wrong PIN.
    • Connectivity from the ATM has failed. In such case, please try after some time or use another ATM.

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  • How many transactions for current account holders at other bank’s ATM machine are free?

    No transactions are free.

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  • How many attempts of using wrong ATM PIN will lead to blocking of a debit card
    • Soft blocking:After 3 attempts of wrong PIN in a Day (within 24 hrs.), debit card will be blocked for the next 24 hrs.
    • Hard Blocking:After 12 attempts of wrong PIN in a MONTH, debit card will be blocked permanently.

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  • Which of the following modes can be used for hot listing of Debit Card by the customer?
    • Contact centre/IVR (toll free numbers 1800 5700).
    • bob World (Mobile Banking).
    • WhatsApp banking.
    • bob World Internet (Net banking)
    • Nearest Bank of Baroda branch.

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  • Channel wise details for hot listing of Debit Card by the customer through corresponding channels?
    • Contact centre/toll free numbers 1800 5700.

      Steps to be followed:

      1. Press 2 to Continue.
      2. Press 1 Lost Card Option.
      3. Press 1 to Continue for Blocking the Debit Card.
      4. Press 1 to Block the Debit Card.
      5. Enter 14-digit Account number.
      6. Enter last 4-digit of the Debit card.
      7. Press 1 to confirm the Blocking of Debit Card.

      SMS of blocked Debit card will be sent at your registered mobile number.

    • Mobile banking (bob World).
      1. Login to Baroda bob World.
      2. Click on “Cards” given on the bottom of the home page.
      3. Select “Debit Card Hot listing”.
      4. All the Debit Cards (debit card in OPEN status) linked with customer ID will be displayed with BLOCK CARDbutton provided below each card.
      5. Click Block Card for the debit card to be blocked.
      6. Enter transaction PIN and click Okay.
      7. Card will be blocked instantly, and the customer will get success confirmation POP up on the screen and Text message on the customers registered mobile number.
      8. To unblock the debit card customer will have to request at his branch.
    • WhatsApp banking.
      1. Say “Hi” to Bank of Baroda’s WhatsApp Banking Number 8433 888 777.
      2. Select Block Debit Card option.
      3. Now, select card number for blocking.
      4. Click confirm to block card.
      5. Card blocked successfully.
      6. SMS triggered to customer registered mobile number.
    • Net banking (bob World Internet)
      1. Login to bob World Internet.
      2. Click on “Services” tab.
      3. Select “Service Requests”.
      4. Select “New Requests”.
      5. Click on “Operative Accounts”.
      6. Select “Block Debit Card”.
      7. Select the debit card to be blocked and click continue.
      8. Select reason of Blocking, enter remarks and transaction password.
      9. Click “Submit”.
      10. Card will be blocked instantly, and the customer will get confirmation on the screen.
      11. To unblock the debit card customer will have to request at his branch.
    • Nearest Bank of Baroda branch.

    Request for blocking of debit card can be submitted by visiting any nearest Bank of Baroda Branch.

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  • What are the debit card variants, wherein international usage is allowed?
    • VISA Platinum DI.
    • VISA Classic Intl Contactless
    • Baroda VISA Vyapaar.
    • MasterCard Platinum DI.
    • Master Card World (Baroda Radiance).
    • RuPay Platinum DI.
    • RuPay BPCL (Platinum).
    • RuPay Select DI.
    • RuPay Classic Intl Contactless.

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  • My debit card doesn’t work for online or international transactions.
    • As per recent guidelines, at the time of issue/re-issue/renewal, all the debit cards will be enabled for use only at contact-based points of usage (viz. ATMs and Point of Sale (PoS) devices) within India. Existing cards which have never been used for online/International/contactless transactions shall be mandatorily disabled for this purpose. To enable channel use BOB ATM/ bob World (Mobile Banking)/ Baroda Connect (Internet Banking)/IVR.
    • Kindly use your card for the first transaction on BOB ATM or Green PIN generation through BOB ATM/ bob World (Mobile Banking)/Baroda Connect (Internet Banking)/IVR and then try of online transactions.

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  • Types of Debit Card eligible for Accidental Death and Total Disability Insurance.

    The Accidental Death and Total Disability cover is provided by NPCI. Below are the variants that are eligible for the same:

    • RuPay PMJDY
    • RuPay Premium Cards (Platinum and Select)

    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

    • PMJDY OLD *-RuPay Card issued on PMJDY A/c opened till 28th 2018
    • PMJDY NEW**- RuPay Card issued on PMJDY A/c opened after 28th August

    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.

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  • What is an Automated Teller Machine (ATM)?

    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.

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  • What type of cards can be used at an ATM?

    The ATM cards/debit cards, credit cards and prepaid cards (that permit cash withdrawal) can be used at ATMs for various transactions.

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  • Can these cards be used at any bank ATM in the country?

    The cards issued by Banks in India are enabled for use at any bank ATM within India.

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  • How can one transact at an ATM?

    For transacting at an ATM, the customer must insert (swipe) their card in the ATM and enter their Personal Identification Number (PIN).

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  • What are the services/facilities available at ATMs?
    • In addition to cash dispensing, ATMs may have many services/facilities such as:
      • Account information
      • Cash deposit
      • Regular bills payment
      • Purchases of re-load vouchers for mobiles
      • Mini/short statement
      • Loan account enquiry etc.

    The services offered may vary from bank to bank, or may depend on the capacity of the machine to provide such services.

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  • What is a Personal Identification Number (PIN)?

    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.

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  • What should one do if he forgets PIN or the card is sucked in by the ATM?

    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.

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  • What should be done if the card is lost/stolen?

    The customer may contact the card-issuing bank immediately on noticing the loss to enable the bank to block such cards.

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  • Is there any minimum and maximum cash withdrawal limit per day?

    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.

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  • Do Banks levy any service charge for use of other Bank ATMs?

    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.

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  • What should be done in case during the cash withdrawal process, cash is not disbursed but the account debited for the amount?

    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.

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  • How many maximum days would the bank require to re-credit the account for such wrong debits?

    As per the RBI instructions, Banks may re-credit such wrongly debited amounts within a maximum period of 12 working days.

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  • Are the customers eligible for compensation for delays beyond 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.

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  • In case the compensation is not credited as mandated, what recourse does the customer have?

    For all such complaints customer may lodge a complaint with the local Banking Ombudsman, if the Bank does not respond.

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  • When the card is ready for use?

    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.

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  • Where can I use the card?

    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.

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  • What is the amount of fee payable for use of the card?

    Usage of the card at merchant location (Point of Sale) is free of charge.

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  • How can I check the balance available on my Gift Card?

    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.

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  • How do I secure my card against unauthorised payments at merchant outlets?

    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.

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  • How to prevent unauthorised usage in case the card is misplaced or lost?

    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.

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  • What is Baroda Gift Card?

    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.

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  • Whether the card can be reloaded/top-up available?

    Baroda Gift Card is a single load card. Top-up is not permitted as per current Reserve Bank of India guideline..

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  • Whether transfer of funds is allowed from one Gift Card to another?

    No, transfer of funds from one Gift Card to another is not allowed..

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  • What will be the contents of the Gift Card welcome kit?

    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.

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  • Who can have?
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