Bank of Baroda Signature Credit Card is a visually attractive and highly useful credit card with unlimited benefits. You can use this card worldwide at over 70 million locations and more than one million ATMs. Bank of Baroda (BoB) recognizes its High Net Worth customers by providing this premium card to them with multiple benefits. With BoB Signature Credit Card, you get the financial freedom you want along with the much-desired convenience. The most exclusive feature that makes this card stand out is its insurance facility. Keep scrolling to know more about the benefits that this card has on offer.
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To,TransUnion CIBIL Limited[Formerly known as Credit Information Bureau (India) Limited]One Indiabulls building ,Unit No 1901 – 1905,19th Floor, Tower 2A-2B, Jupiter Mill compound,Senapati Bapat Marg, Lower Parel, Mumbai 400 013
Sub: Grant of Consent
Dear Sirs,
In connection with submission of the application for my credit information offered by CIBIL (“Consumer Credit Information”) through Wishfin and delivery of the Consumer Credit Information to the Company, I hereby acknowledge and agree to the following:
- The Company is my lawfully appointed agent and he / it has agreed to be my agent for the purposes, including, without limitation, to receive the Consumer Credit Information from TUCL on my behalf and use it in the manner consistent with the Agreement entered into between the Company and TUCL, and the Company has granted its consent for being appointed for the aforesaid purpose.
- I grant my unconditional consent to the Company to receive the Consumer Credit Information from TUCL on my behalf and use it in the manner consistent with the consistent with the Agreement entered into between the Company and TUCL, as the case may be, and the Company has granted its consent for being appointed for the aforesaid purpose. I hereby represent and acknowledge that: (a) I have carefully read the terms and conditions of the Agreement entered into between the Company and TUCL understood the same; or (b) the Terms of Understanding in relation to the use of the Consumer Credit Information has been agreed between me and the Company.
- I hereby expressly grant unconditional consent to, and direct, TUCL to deliver and / or transfer my Consumer Credit Information to the Company on my behalf.
- I shall not hold TUCL responsible or liable for any loss, claim, liability, or damage of any kind resulting from, arising out of, or in any way related to: (a) delivery of my Consumer Credit Information to the Company ; (b) any use, modification or disclosure by the Company of the contents, in whole or in part, of my Consumer Credit Information , whether authorized or not; (c) any breach of confidentiality or privacy in relation to delivery of my Consumer Credit Information to the Company ; (d) for any use made by the Company which is contrary to the Agreement entered into between the Company and TUCL.
- I acknowledge and accept that: (a) TUCL has not made any promises or representations to me in order to induce me to provide my Consumer Credit Information or seek any consent or authorization in this regard; and (b) the implementation of the Agreement between TUCL and the Company is solely the responsibility of the Company
- I agree that I may be required to record my consent / provide instructions electronically and in all such cases I understand that by clicking on the "I Accept" button below, I am providing "written instructions" to Wishfin authorizing Wishfin to obtain my Consumer Credit Information from my personal credit profile from TransUnion CIBIL LIMITED, [formerly known as Credit Information Bureau (India) Limited]]. I further authorize Wishfin to obtain such information solely to confirm my identity and display my Consumer Credit Information to me. Further in all such cases “By checking this box and clicking on the ‘Authorize button, I agree to the terms and conditions, acknowledge receipt of TUCL privacy policy and agree to its terms, and confirm my authorization for Wishfin to obtain my Consumer Credit Information .
- I understand that in order to deliver the product to me, I hereby authorize Wishfin, to obtain my Consumer Credit Information from TUCL.
- By submitting this registration form, I understand that I am providing express written instructions for Wishfin to request and receive information about me from third parties, including but not limited to a copy of my consumer credit report and score from consumer reporting agencies, at any time for so long as I have an active Wishfin account. I further authorize Wishfin to retain a copy of my information for use in accordance with [Wishfin’s] Terms of Use and Privacy Policy.
- I UNDERSTAND THAT THE PRODUCT IS PROVIDED ON AN “AS-IS”, “AS AVAILABLE” BASIS AND TUCL EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
- I shall not sue or otherwise make or present any demand or claim, and I irrevocably, unconditionally and entirely release, waive and forever discharge TUCL , its officers, directors, employees, agents, licensees, affiliates, successors and assigns, jointly and individually (hereinafter “Releasee”), from any and all manner of liabilities, claims, demands, losses, claims, suits, costs and expenses (including court costs and reasonable attorney fees) (“Losses”), whatsoever, in law or equity, whether known or unknown, which I ever had, now have, or in the future may have against the Releasee with respect to the submission of my Consumer Credit Information and / or my decision to provide TUCL L with the authority to deliver my Consumer Credit Information to the Wishfin . I agree to defend, indemnify, and hold harmless the Releasee from and against any and all Losses resulting from claims made against TUCL L by third parties arising from and in connection with this letter.
- I agree that the terms of this confirmation letter shall be governed by the laws of India and shall be subject to the exclusive jurisdiction of the courts located in Mumbai in regard to any dispute arising hereof. TUCL is entitled to assign its rights hereunder to any third person without taking my prior written consent.
Yours faithfully,
Name :____________________________Address : ____________________________Date : ____________________________
Features of Bank of Baroda Signature Credit Card
The basic features that this card flaunts are enlisted below:
- Worldwide usage pf BOBCARD Signature.
- Withdraw cash anywhere and anytime
- Up to 40% of credit limit is for cash withdrawal
- 2 loyalty points on ₹100 spend
- In-built chip to secure from fraudulent transactions.
- Add-on facility, so family can avail of the card benefits as well
- Offers on retail purchase of various international brands such as Celio, Gmarket, ebags and many more.
Fees & Charges
The following fee and charges are applicable to the card:
- Membership Fee- ₹1000 for primary and ₹1000 for add-on on a yearly basis.
- Revolving credit limit- ₹5,00,000
- Cash Withdrawal Limit- 40% of the credit limit
- Interest Rate- 2.60% per month on reducing balance
- Accidental Insurance (Air Accident)- ₹50,00,000 (2.60% p.m. Service Charge on balance outstanding)
- Accidental Insurance (Air Accident)- ₹10,00,000 (2.60% p.m. Service Charge on balance outstanding)
- Cash withdrawal charges – 3.5% of the withdrawal amount, subject to a minimum of ₹200-250
- Late Payment Charges-
- Up to ₹500 – None
- ₹500 to ₹25,000 – ₹300
- Above ₹25,000 – ₹500
- Cheque return charges- 2.50% or ₹500, whichever is higher
- De-blocking charges- ₹300
Note – The fees and charges will also carry 18% GST, in place of the erstwhile 15% service tax.
Norms of Issuance of Bank of Baroda Signature Credit Card
The applicant of the Bank of Baroda Signature Credit Card must fulfill the following criteria:
- Age Limit- The applicant must come under the age limit of 18 years to 65 years.
- Annual Income- The applicant must have an annual income of at least ₹ 12,00,000.
- Existing Customers- You can apply for this BOB card if have an existing relationship with the bank.
Necessary Documents
List of documents for BOB Credit Card Apply are as follows –
- ID Proof – Copy of Passport, PAN Card, etc.
- Income Proof- Latest Income Tax Return or Form -16, Salary slip (applicable for Govt. or PSU employees)
- Address Proof – Copy of Passport, utility bill payments receipt or copy of the bank passbook
- Coloured Photographs
- Copy of PAN Card
- Bank Statement for the last 3 months
Bank of Baroda Signature Credit Card Status
You can easily apply for the Bank of Baroda Signature Credit Card online on the official website of the bank. You can fill your details in the Bank of Baroda Signature Credit Card online application form and upload the relevant documents. The bank also provides present formats for those who want to manually submit the credit card application. All you need to do is print the application form, fill and submit it to the nearest branch of BoB. The bank also provides the applicant with a facility to check the status of his/ her credit card application online.
Bank of Baroda Signature Credit Card Statement
The Bank of Baroda Signature Credit Card Statement is a record of all the key information pertaining to your credit card. This statement provides the track of all the transactions that have been done using this card and other important details. The applicant can easily keep a check on his/ her expenses through this statement and maintain a balanced expenditure and repayment track record.
Bank of Baroda Signature Credit Card Bill Payment
So when the bill comes on its generation date, be clear on how to pay it so that there won’t be any delay. If you pay it after the due date, the bank deduct a penalty. You can also go online and pay the dues swiftly to prevent any such charges. Unlike struggling to visit the bank branch to make the payment, the online method pays the bills in a few minutes. And if you have access to Internet Banking, so add the card to the biller list and get the SMS before the due date of payment. So, whenever the bill gets generated, you will get an SMS indicating the due amount to be paid on or before a certain date. You can also set an Auto Pay online to get the card dues paid automatically, eliminating the need for you to pay manually.
Customer Care 24X7 Number
Bank of Baroda Customer Care is a much useful facility provided by the bank. So, one can reach out this team by calling them on their toll free number- 1800-223-224. This number can be used to reach them on all working days apart from the 2nd Saturday, 4th Saturday, Sunday and other Public Holidays. You can also write to them at [email protected] Also, it will be timesaving to mention the apt abbreviation related to your query to fast track and ease out the process.