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Best Bank of Baroda Credit Card for Low Income

Highlights

  • Have a look at the Bank of Baroda Credit Card for low income individuals.
  • Explore the features and benefits of Bank of Baroda Credit Cards that have a low fee and are suitable for low-income groups.
  • Know the documents required for these BOB Credit Cards.

Credit Cards give a financial push to the individuals who fall short of funds during the month-end. On the other hand, it gives you various offers and benefits but sometimes due to a low income many people face application rejection from the bank. Therefore, we have discussed the best Bank of Baroda credit card for low income and the fee of the card is also low. You will not need a high income if you want to apply for these credit cards. If your income is ₹17000 and above per month then you can easily apply for this credit card. You must also go through the offers and other benefits of these cards so that you can differentiate among them.

Bank of Baroda Credit Cards for ₹17000 to ₹33000 Salaries

In the table given below, you can go through credit cards offered by the Bank of Baroda for people with a low income. You can see the minimum income required to apply for these credit cards.

Bank of Baroda Credit CardsMinimum Income RequiredJoining FeesOffers and Benefits
BOB Titanium Master Credit Card₹2 Lacs and AboveNIL

  • Earn 1 Loyalty point on purchase of ₹100.

  • Enjoy a Free Personal Accident Coverage.

  • Get 100% Cashback of accumulated Loyalty Points.

  • There is no Joining Fee.

  • This credit card is Globally Accepted.

  • You can even withdraw cash from ATMs.

  • No fee will be charged for up to 3 add-on cards.

  • You can withdraw cash for up to 30% of your Credit Limit.

  • The Renewal fee will be waived off on spending ₹25000 in a year.

  • Get inbuilt services of VISA.

BOB Co-Branded Credit Card₹3 Lacs and Above₹500

  • Enjoy 1 Loyalty point on purchase of ₹100.

  • Get a Revolving credit of up to ₹300000.

  • Get a free personal accidental insurance of ₹100000.

  • This credit card is globally accepted and you can withdraw cash from ATMs.

  • Get up to 3 add-on cards free.
    The Renewal fee will be waived off on spending ₹50000 in a year.

  • Enjoy inbuilt offers and privileges of Visa.

BOB ICAI Credit CardIndividual Needs to be a Chartered AccountantLifetime Free

  • Get 12 Free Access to the Domestic Airport Lounges through this credit card.

  • Enjoy a maximum of 3 free accesses per Quarter.

  • Get a foreign mark-up fee of 2%.
    Enjoy 6 months FitPass pro membership worth ₹15000 as the welcome benefit.

  • Enjoy 1000 bonus reward points on doing a transaction within 30 days from the date of card issuance.

  • Get a fuel surcharge waiver of 1% at the refilling stations with a maximum of ₹250 per statement cycle.

  • Earn 1 reward point on every ₹100 done on any other category.

  • Enjoy a personal accident death cover of up to ₹15 Lacs in an Air Accident.

  • Get a Professional Indemnity Insurance Cover of ₹5 Lacs.

  • Enjoy personal accident death cover of up to ₹5 Lacs in Non-Air Accident.

  • Convert the transactions of ₹2500 and above into EMI transactions.

BOB CMA Credit CardIndividual Needs to be a Cost Accountant₹1

  • Get 12 Complimentary Access to the Domestic Airport Lounges in India.

  • One can enjoy a maximum of 3 complimentary accesses per Quarter.

  • Enjoy a foreign mark-up fee of 2%.
    Get 6 months FitPass pro membership worth ₹15000 as the welcome gift.

  • Enjoy 1000 bonus reward points by doing a transaction within 30 days from the date of Card Issuance.

  • Get 4000 bonus reward points every quarter on spending more than your credit limit.

  • Enjoy a fuel surcharge waiver of 1% at the refilling stations with a maximum of ₹250 per month.

  • Enjoy 1 reward point on every ₹100 Spent on any other category.

  • Earn 5 Reward Points on every ₹100 spend on dining, online, and utility bills.

  • Get 1000 Reward Points on 5 transactions of 1000 and more done in a month.

  • Get a personal accident death cover of up to ₹15 Lacs in an Air Accident.

  • Have a Professional Indemnity Insurance Cover of ₹5 Lacs.

  • Have an accidental death cover of up to ₹5 Lacs in the Non-Air Accident.

BOB Platinum Visa Credit Card₹4 Lacs and Above₹500

  • Earn 1 Loyalty point on spending ₹100.

  • Enjoy 100% Cashback of accumulated Loyalty Points.

  • You can use this credit card worldwide and even withdraw cash from ATMs.

  • You can add up to 3 add-on cards for free.

  • Spend ₹50000 in a year and waive off the renewal fee.

  • Get inbuilt offers and privileges of Visa.

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Documents Required for Bank of Baroda Credit Card

The Bank of Baroda will ask for certain documents if you are applying for its credit card. You will have to submit one identity proof, one address proof, and one income proof to the bank in order to get an easy disbursal for the BOB card.

Identity Proof

  • PAN Card
  • Passport
  • Aadhaar Card

Income Proof

  • Salary Slips
  • Certificate for the last 3 months
  • Latest bank statement indicating salary credited for a minimum of 3 months
  • Income tax return statement

Address Proof

  • Passport
  • Ration Card
  • Electricity Bill
  • Aadhaar Card

Conclusion

So, you have seen the best Bank of Baroda Credit Card for low income. You must have seen the income required to apply for these Bank of Baroda credit cards and they are usually low. If you want to enjoy the benefits of these cards then you will not have to need a high income. If you are earning 15000-20000 per month then you can easily get any card from the Bank of Baroda.

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