Conquer your business.

With Bank of Baroda ConQR Credit Card.

  • Best travel benefits
  • Customized lifestyle privileges
  • Distinctive dining experiences
  • Benefits
  • Features
  • Eligibility Criteria
  • Documents Required
  • Annual Fees
  • Terms & Conditions

ConQR : Benefits

  • Spend rewards

    Earn 5 reward points* on every Rs. 100 spent on dining, online & utility bills.
    • 1 reward point for every Rs. 100 spent on other categories.
    Read More
  • Dining experience

    Plan business or leisure trips with
    • Save Rs. 400 on one-way & Rs. 800 on return domestic flight bookings on a minimum transaction of Rs. 3000. Offer valid till 31st March 2022. Click here
      to know more.
    • Stay at any of your favourite Fab Hotels and save up to Rs. 750 on booking above Rs. 1999. Offer valid till 31st Oct 2021. Click here
      to know more.
    • Stay at any of your favourite Vista Rooms premium holiday homes and save up to Rs. 5000 on booking 2 nights or more. Offer valid till 31st March 2022. Click here
      to know more.
    • Stay at any of your favourite Treebo Hotels and save up to Rs. 1000 with promo code TRBMC5 during checkout on all bookings. Offer valid till 31st March 2022. Click here to redeem.
    Read More
  • Health and business security

    Get health & wellness products
    • Get health & wellness products from Apollo Pharmacy & avail up to 15% discount. Offer valid till 31st March 2022. Click here to know more.
    • Order for your business needs from Printvenue with flat 30% discount.
      Offer valid till 31st March 2022. Click here to know more.
    • Avail lock & security solutions from Godrej Security Solutions and save Flat 10%. Offer valid till 31st Aug 2022. Click here to know more.
    Read More

ConQR : Features

Fuel Surcharge Waiver**

1% Fuel Surcharge waived off on all fuel transactions between Rs. 400- Rs. 5000. (Maximum waiver of Rs. 250 per statement cycle)

Personal Accidental Death Cover

Get FREE Personal Accidental Death Cover to ensure financial protection of your family. Air: Rs. 15 lakhs, Non-Air: Rs. 5 lakhs.

Smart EMI option

Convert purchase of Rs. 2,500 on your card into 6/12 months EMIs

ConQR : Eligibility Criteria

  • Primary cardholder between the age of 21 years and 65 years. Add-on cardholder should be over 18 years salaried/self-employed with an income of Rs. 12 lakhs per annum or more for a resident of India.
  • Primary cardholder between the age of 18 years and 65 years.
  • Sole proprietorships establishments where BOB POS machine has been installed.
  • Resident of India

ConQR : Documents Required

  • Kindly keep soft copies of the below documents ready for submission, when you apply online.
  • Passport size Photograph
  • PAN Card
  • Shop Registration Certificate - Attested copy (verified against original) of shop establishment registration. Sales tax number/TIN no. should be mentioned with proper establishment name & address
  • Current Address Proof as per the defined list of OVD/deemed to be OVD. (Passport, Voter ID, Driving License, Aadhar Card).

ConQR : Annual Fees

Fees/Charges Primary
First year fee (levied in the first statement) Lifetime free
Annual Fee Lifetime free

ConQR : Terms & Conditions

Coming soon...

Frequently Asked Questions (FAQs)

  • 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.

  • 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.

  • 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.

  • How to check Credit Card Eligibility?

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

  • 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!

  • 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

  • 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.

  • 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)

  • 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.
  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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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