If you people have an account in Bank of Baroda, and you want a credit card on your account, today’s article is for you people only.
Credit card in Bank of Baroda is such a facility, through which we can use money online without going to the bank as a loan even if we do not have money in our account, in which shopping, Traveling, deducting fees online, etc., so if you also want to know, how to apply for online credit card in Bank of Baroda, you can get complete information about it in this post.
What are the benefits of BOB credit card
First of all, before applying for a credit card online or offline, we should know about its benefits, because whenever we get a credit card issued for ourselves, or apply for it online, we should know about its benefits. It is important to know.
- With the help of credit card, you can make any payment online, whether you have a case or not.
- Even if you do not have money in your account, you can spend a limited amount in any online way, for which you do not have to pay any kind of interest for a certain time.
- Every time you use your credit card and make a payment, you also get some reward.
- Credit cards make your travel more enjoyable with free access to exclusive airport lounges, priority check-in and boarding, additional baggage allowance, etc.
- One of the advantages of a credit card in India is that it is much safer than carrying large amounts of cash, you don’t have to worry about leaving money somewhere or cutting your pocket, and many more. There are advantages of credit card.
What are the disadvantages of Bank of Baroda credit card
Just like credit cards have many advantages, in the same way, credit cards also have many disadvantages, which we try to understand here.
- The biggest disadvantage of a credit card is that it attracts a high interest rate on the amount spent.
- If you have spent money with a credit card, and you are even slightly late in making the payment, the late payment fee will incur a substantial fee.
- It usually happens with people that they take loans without knowing, and sometimes it becomes so much or you can say, that it is difficult to get out of this trap, if you do not know how to strike a balance. it will definitely be difficult.
- When we withdraw money from our credit card when we do not have money in our bank on credit card, we also have to deposit it on time, and if you do not have any earning then you have to face a lot of trouble, and you For this, interest has to be paid later, in the same way, there is another disadvantage of credit card.
Bank Of Baroda Credit Card Charges & Limits
Friends, as you all will know that if any bank provides any facility, it also takes some charges from us, so if we talk about the charges of Bank of Baroda’s credit card, there are different types of credit card charges. There are different, which charge from Rs.500/- to Rs.1000/- per year.
And all cards have a limit, by limit I mean that when you use them when you do not have money in your bank, you are able to spend only a limited amount of money on your credit card, and different types It is different for K cards, and this limit is fixed as soon as the card is issued, which can be anything 30000, 50000. 80000, 100000 etc.
How to get BOB credit card bobfinancial.com
If you want to apply for any type of credit card, you can apply mainly in two ways, first you are online and second offline, you can apply for your credit card through the process mentioned below. Is.
How to apply for BOB credit card
- Click on this link to apply for online credit card in Bank of Baroda – https://www.bobfinancial.com/index.jsp
- By clicking on this link a page will open in front of you.
- Now click on the portal with credit card in this page.
- As soon as you click on the credit card option, a page will open in front of you.
- In which, after coming down a little, you can see about all those credit cards, which are available in Bank of Baroda.
- And then whatever credit card you want to issue, you have to click on apply now under that card.
- By clicking on apply now a form will open in front of you.
- Now you have to fill all the information asked in this page and click on Generate OTP.
- On clicking generate otp, an otp will come on your mobile number, which you have to submit by putting it on next.
- Now you will get a call from your bank and after verification your credit card will be issued.
How to make Bank of Baroda credit card offline
If you want to apply for your credit card offline, you have to go to your bank for this, and you will have to take a form from your bank, and after filling it, you have to submit it to your bank, and the banks After verification, your credit card will be issued and will be sent to the address provided by you.
Bank Of Baroda Credit Card Customer Care Number
For any kind of information or assistance related to credit card in Bank of Baroda, you can also find out by calling its toll free number – 1800223224.
In this article you learned how to make BOB credit card at bobfinancial.com, we hope this information will prove useful to you.