Bank of Baroda Credit Card Payment

Last Updated : April 22, 2025, 3:16 p.m.

Making timely Bank of Baroda credit card payments is essential not only to avoid late fees and interest charges but also to maintain a good credit score. Bank of Baroda offers numerous convenient payment options to suit different customer preferences. Whether you prefer digital methods or traditional payment channels, here's a comprehensive guide to all the ways you can pay your Bank of Baroda credit card bill.

Online Methods for Bank of Baroda Credit Card Payments

1. BOBCARD App and Customer Portal

The BOBCARD mobile app and customer portal provide a seamless experience for managing your credit card payments. The steps to complete your payment are as follows:

Step 1: Log in to the app or official website.

Step 2: Go to the section "Pay Card Bills",

Step 3: Follow the on-screen instructions to proceed towards completing your payment.

2. Bank of Baroda Credit Card Payment through Insta Pay

This convenient service allows you to make your Bank of Baroda credit card payments through net banking without logging into the BOB portal. Here are the steps:

Step 1: Visit the Insta Pay page

Step 2: Enter your 16-digit credit card number and verification code

Step 3: Confirm your name as it appears on the card

Step 4: Enter the amount of payment, mobile number, and email address

Step 5: Choose your preferred bank (It can be either Bank of Baroda or any other participating bank)

Step 6: Make the Bank of Baroda credit card payment as per the instructions.

Step 7: Your payment will be reflected in your credit card account within two working days.

3. Bank of Baroda Credit Card Payment via BillDesk

Bill Desk offers a secure platform for credit card payments. To use this service:

Step 1: Visit the BillDesk page for Bank of Baroda

Step 2: Login with your credentials

Step 3: Follow the on-screen instructions to complete your payment

Note: Note that this service is currently available only in select cities and may take up to three days to process.

4. Bank of Baroda Credit Card Payment by using NEFT/RTGS Transfers

For Bank of Baroda credit card payments up to Rs. 1,00,000, you can use National Electronic Fund Transfers (NEFT) or Real Time Gross Settlement (RTGS). To make these payments, you'll need to provide:

• IFSC Code: BARB0COLABA
• Payee Account Number: Your 16-digit credit card number
• Bank Name: Bank of Baroda
• Branch: Colaba
• Location: Mumbai

5. Bank of Baroda Credit Card Payment through UPI and Digital Wallets

You can pay your BOBCARD bill through various UPI apps and digital wallets:

• Paytm: Login to the app, click on 'Credit Card', enter your card details, and proceed with the payment
• Other UPI apps: Google Pay and other UPI applications also support Bank of Baroda credit card payments.

6. Bank of Baroda Credit Card Payment via Razor Pay and Scan & Pay

The bank's payment link solution powered by Razorpay offers a hassle-free and secure way to make your Bank of Baroda credit card payment You'll receive a personalized payment link every month via your registered email or mobile number.

Offline Methods for Bank of Baroda Credit Card Payments

1. Bank of Baroda Credit Card Payment via Cash Payment

You can make cash payments at any Bank of Baroda branch. Remember to:

• Specify your 16-digit credit card number on the deposit slip.
• Collect the acknowledgment slip after making the deposit.

2. Bank of Baroda Credit Card via Cheque

Drop a local cheque at any Bank of Baroda branch:

• On the reverse side of the cheque, write the 16-digit Bank of Baroda credit card number
• Processing time varies from 2 days for Bank of Baroda cheques to 5 days for other bank cheques.

3. Bank of Baroda Credit Card via Auto Debit Facility

This is the most efficient payment method for regular payments:

• The amount is automatically debited from your savings or current account.
• Submit the 'Auto Debit' application form at your nearest branch.
• The form can be downloaded from the Bank of Baroda website.

Payment Processing Times

Different payment methods have different processing times:

Verifying Bank of Baroda Credit Card Payment Success

To check if your payment has been successfully processed, follow the steps below:

Step 1: Login to the BOBCARD App or Customer website

Step 2: Go to the "TRANSACTIONS" tab

Step 3: Click on "VIEW ALL" in the top right corner

Step 4: Click on the "UNSETTLED" tab

If your payment isn't listed under "Unsettled," it may have moved to the "Unbilled" tab, indicating successful processing. If you can't find your transaction in any tab, it might be a timeout or failed transaction. Don't worry—if your bank account was debited, Bank of Baroda will verify and credit the funds within 48 hours.

Things to Keep in Mind

• Payment confirmation is sent to your registered email and mobile number immediately for payments made through InstaPay, BillDesk, Razorpay, Net Banking, or mobile apps
• For other payment modes like NEFT, Cheque, Cash, or IMPS, confirmation is sent after T+2 days (where T is the payment date).
• You cannot make your Bank of Baroda credit card payment with another credit card.
• All successful payments move from the "Unsettled" tab to the "Unbilled" tab after 24 hours

Making timely payments on your Bank of Baroda credit card helps maintain a good credit score and avoids unnecessary charges. Choose the payment method that's most convenient for you and ensure you allow sufficient processing time before the due date to avoid late payment penalties.