Exclusively for you and your dreams!

Swavlamban Credit Card, just for you.


  • Use beyond credit limit
  • Easy EMI facility
  • Reward Points
  • Benefits
  • Features
  • Eligibility Criteria
  • Documents Required
  • Annual Fees
  • Terms & Conditions

Swavlamban Benefits

  • Free add-on card

    Get up to 3 lifetime free add-on cards for your spouse, parents, siblings or kids (above age 18).
  • In-built insurance cover

    Get free Personal Accidental Death Cover to ensure financial protection of your family.
  • Zero liability on lost card

    Report loss of card immediately to ensure zero liability on any fraudulent transactions.
  • Interest free credit facility

    Avail up to 50 days of interest free credit from the date of any purchase.
  • Revolving credit facility

    Pay Minimum Amount Due and finance your spends as per your convenience.
  • Redeemable rewards

    Redeem your reward points as cashback and other exciting options.

Swavlamban Features

Make SWAVLAMBAN Lifetime free

Spend Rs. 2,500 within 60 days and Rs. 12,000 in a year for reversal/waiver of annual fees.

Fuel Surcharge Waiver**

1% fuel surcharge waiver at all fuel stations across India on transactions between Rs. 400 and Rs. 5,000 (Maximum Rs. 250 per statement cycle).

Note- No Reward Points are earned on fuel transactions

Reward Points on spends

Earn 4 Reward Points for every 100 spent (maximum 800 Reward Points per statement cycle)

Use beyond your Credit Limit

Use upto 105% of your credit limit without any overlimit charges.


Easy EMI option

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

*Please note: 5X Rewards are capped at 2,000 Reward Points on the mentioned categories per month. Further spends in that month on these categories will earn Reward Points at the regular earn rate.

**Please note: The GST component is not reversed. The rate of fuel surcharge may vary depending on the fuel station and their acquiring bank. The surcharge is levied by the acquiring bank providing the terminal to the merchant. The value of fuel transaction on charge slip will differ from the credit card statement since the fuel surcharge and GST on the same are levied by the acquiring bank after the transaction.

Swavlamban Eligibility Criteria

Coming soon...

Swavlamban Documents Required

Coming soon...

Swavlamban Annual Fees

Fee type Fee Reversal/Waiver criteria*
First year fee Lifetime free Spend Rs. 2,500 on your card within first 60 days of card setup date for first year fee reversal. Fee reversal will reflect in the 4th bill statement from the card issuance month, provided all due payments are made.
Annual Fee Lifetime free Spend Rs.12,000 on your card in a year for fee waiver


*Please note - Joining/Annual fee waiver is applicable only to non-delinquent credit cardholders.

Swavlamban Terms & Conditions

Coming soon...

Frequently Asked Questions (FAQs)

  • What are the eligibility criteria?
    The card can be issued to Individual accounts holder/self-operated savings, current and overdraft accounts. For joint accounts, with operating instructions as ‘either or survivor’ and ‘any one or survivor’ the card can be issued to anyone or all the joint account holders.
  • What are the Debit Card variants, wherein international usage is allowed?
    Visa Platinum/Contactless.
    Baroda VISA Vyapaar..
    Master Card Platinum..
    RuPay Platinum/Contactless..
    RuPay Select..
    Master Card World (Baroda Radiance).
  • 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 card 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. Now, to enable the channels, through BOB ATM/Baroda M-Connect Plus (Mobile Banking)/Baroda Connect (Internet Banking)/IVR.
    Kindly use your card for first transaction on BOB ATM or Green PIN generation through BOB ATM/Baroda M-Connect Plus (Mobile Banking)/Baroda Connect (Internet Banking)/IVR and then try of online transactions.
  • What are the different types of Debit Cards issued by Bank of Baroda ?
    Bank is issuing different types of Debit Cards in co-ordination with Visa, MasterCard and RuPay. To know the details of different card variants being issued by Bank, please refer to ATM/Debit Card section on our bank’s website Click
  • 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 service charges related queries, please refer to Debit Card section on our bank’s website. For charges, please Click here.
  • 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.
  • 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 request for linking of multiple accounts on your Debit Card to your base branch.
  • My Debit Card doesn’t work on ATMs. Why?
    Debit Card does not work on ATMs due to some of the following reasons:
    Your debit card may be blocked.
    You may not have swiped the card properly.
    Your card might have got damaged/deteriorated due to which it is not accepted by 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/contact centre.
    Your account may be inoperative or frozen at branch level due to some reason. Please contact your branch to know the account status.
    You may be using the wrong PIN.
    Connectivity from the ATM has failed. In such case please try after some time or use another ATM.
  • How many transactions for Current Account holders at other bank’s ATM Machine are free?
    No transactions are free.
  • How many attempts of 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 next 24 hrs.
    Hard Blocking: After 12 attempts of wrong pin in a MONTH debit card will be blocked permanently.
  • Which of the following modes can be used for hot listing of Debit Card by the customer?
    Contact Centre/toll free numbers 1800 258 44 55 or 1800 102 44 55.
    Mobile Banking (M Connect).
    WhatsApp Banking.
    Net Banking (Baroda Connect)
    Base Branch.

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