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Bank of Baroda Credit Card Reward Points

As a Bank of Baroda customer, you can use your credit card for in-store or online shopping, dining, paying utility bills and much more. The more you use your credit card, the more Baroda Reward Points you earn. There are four types of credit cards issued by Bank of Baroda:

1. Easy

2. Select

3. Premier

4. Prime

Features of Easy & Select Credit Card Bank of Baroda Credit Card

  • You can earn 5 reward points for every Rs. 100 spent on grocery, departmental stores and cinema tickets.
    You get 0.5% of the card bill payment as cashback in your next statement
  • You can make EASY lifetime free by spending Rs. 6,000 within 60 days and Rs. 35,000 in a year for reversal/waiver of annual fees.
  • If you pay through the EASY and SELECT Bank of Baroda credit card there is zero fuel surcharge levied at the time of payment. There is 1% fuel surcharge waived for all transactions between Rs. 400 - Rs. 5,000.
  • You can redeem your reward points by opting for cashback or choose from the other offers given to you.
  • You can purchase something big on the card and pay EMIs. You can convert a purchase of > Rs. 2,500/- on your card into easy EMIs of 6 or12 months.

Features of Premier Credit Card

  • You can earn 5 points on travelling and dining with select restaurants, travel companies or airlines. You earn 10 reward points for every Rs. 100 spent on travel, dining and abroad.
  • You can get exclusive privileges and complimentary access to 38 airport lounges across 22 cities in India, 24 x 7 concierges and more.
  • You can make PREMIER lifetime free by spending Rs. 10,000 within 60 days and Rs. 1,20,000 in a year, for reversal/waiver of annual fees.
  • If you pay through the Premier Bank of Baroda credit card, there is zero fuel surcharge levied at the time of payment. There is 1% fuel surcharge waived for all transactions between Rs. 400 - Rs. 5,000.
  • You can redeem your reward points by opting for cashback or choose from the other offers given to you.
  • You can purchase something big on the card and pay EMIs. You can convert a purchase of > Rs. 2,500/- on your card into easy EMIs of 6 or12 months.

Features Prime Credit Card

  • You can get a Prime Bank of Baroda credit card against a fixed deposit of Rs. 15,000 or more without any income proof.
  • You can enjoy 1% cashback on all spends and earn 4 reward points (equal to Re.1 on redemption) for every Rs. 100 spent.
  • You can enjoy all the services and benefits on Prime for lifetime. There are no charges levied to issue the card for the first year and there are absolutely no annual fees.
  • If you pay through the Premier Bank of Baroda credit card there is zero fuel surcharge levied at the time of payment. There is 1% fuel surcharge waived for all transactions between Rs. 400 - Rs. 5,000.
  • You can redeem your reward points by opting for cashback or choose from the other offers given to you.
  • You can purchase something big on the card and pay EMIs. You can convert a purchase of > Rs. 2,500/- on your card into easy EMIs of 6 or12 months.

Bonus Points Redemption Offers

Bank of Baroda credit card customers are eligible to get a cashback of 100% (whenever they wish to redeem their bonus points at the rate of 1 Bonus Point for Rs. 0.25).

Bonus points are valid for the entire financial year. You can redeem these points within two months after the year closes.

On every Rs. 100 spent on all types of credit card transactions, except fuel transactions and cash withdrawals, you can earn 1 to 2 bonus points.

Criteria for Redemption

As a customer, you can redeem your rewards by logging on to Bank of Baroda Portal. To redeem your points, your minimum earning during the financial year should be 500 Bonus points. You can ask for a cashback only if you have a minimum 500 accumulated bonus points at a time. If in case your card is blocked or cancelled, the points will not be redeemed.

Checking Baroda Credit Card Reward Points Balance

You can log into your personal Baroda Reward account to check for your Baroda Reward Points Balance. You can also call the Baroda Reward Help Desk on 1800-419-1101 to know your rewards point balance.

Frequently Asked Questions

1. How can I collect Bank of Baroda credit card loyalty points?

You can earn loyalty Points for every type of purchase done inclusive of shopping, dining, entertainment, travel bookings, etc. You can redeem accrued points for exciting gifts and merchandise from Bank of Baroda. You also have an option to only choose a cashback option once you have accumulated 500 bonus points in your account.

2. How can I redeem my Bank of Baroda credit card points?

In order to redeem your Bank of Baroda credit card points, you need to:

  • Log on to the Bank of Baroda portal
  • Go to the 'New User' option.
  • Provide your Bank of Baroda Debit Card Number or Customer Identification number.
  • Enter one-time-password (OTP) received on your registered mobile number.
  • Verify personal details and start redeeming. Click here to Register now.
  • Once you are a registered member, you can log into your account and choose how you wish to redeem your points.

3. Can I redeem Bank of Baroda reward points if I live outside India?

Yes, you can redeem Bank of Baroda reward points if I live outside India as long as you have the Bank of Baroda credit card.

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