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Features of Bank of Baroda Union Prime Credit Card
- Fixed Deposit-Based Access: The card is issued against a fixed deposit of Rs. 15,000 or more with Bank of Baroda, making it accessible to individuals without income proof or a strong credit history. The credit limit is set at 80–90% of the FD amount, providing a secure and inclusive entry point for new-to-credit users such as students or homemakers.
- Flexible FD Tenure: The fixed deposit tenure ranges from 6 months to 10 years, offering flexibility to align with the cardholder’s financial goals. The FD continues to earn interest at Bank of Baroda’s prevailing rates (typically 6–7% per annum), ensuring both credit access and savings growth.
- Reward Points Program: Cardholders earn 4 reward points for every Rs. 100 spent on retail transactions, including shopping, dining, travel, and online purchases. This makes the card a rewarding choice for everyday spending.
- Accelerated Rewards: During promotional periods, the card may offer accelerated rewards (such as 5X or 10X points) on specific categories like online shopping or festive spends, often through partnerships with merchants like Amazon, enhancing the card’s value for seasonal shoppers.
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- Interest-Free Credit Period:
Up to 50 Days Interest-Free: The card provides an interest-free credit period of up to 50 days on purchases, provided the outstanding balance is paid in full by the due date. This feature allows cardholders to manage short-term expenses, such as utility bills or travel bookings, without incurring interest charges.
Competitive Interest Rates: For unpaid balances, the card charges a monthly interest rate of 2.5% to 3.5% (30–42% annually), which is competitive for a secured credit card. Timely repayments ensure cardholders maximize this feature without financial strain. - Fuel Surcharge Waiver:
The Bank of Baroda Union Prime Credit Card offers a fuel surcharge waiver of up to Rs. 3,000 annually for transactions between Rs. 400 and Rs. 5,000 at fuel stations across India. This feature benefits cardholders who drive frequently, reducing transportation costs and adding practical value. - Cash Withdrawal Facility: Withdraw up to 50% of credit limit at ATMs or branches; 2.5% fee (min Rs. 300). Daily withdrawal limit Rs. 25,000 or 20% of credit limit, whichever is lower.
- Contactless Payments: Enables quick NFC transactions, secured with encryption.
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Global Acceptance:
Powered by VISA/Mastercard, accepted worldwide with 3.5% forex markup fee.
Compatible with major e-commerce platforms. -
Fraud Protection:
Zero liability up to Rs. 1 lakh if reported within 7 days.
OTP-based security for online transactions. - Add-On Cards: Free add-on cards for family members 18+, spending limits customizable, shared reward points.
- Digital Banking Integration: Manage via BOB World app and net banking with transaction tracking, bill payment, and reward redemption.
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Fees and Charges:
Joining and annual fee Rs. 250 each (plus GST), waived if annual spends exceed Rs. 1,50,000.
Overlimit fee 2.5% (min Rs. 500), late payment fee Rs. 100–1,000. -
Reward Redemption Options:
Redeem points for travel vouchers, merchandise, cashback, or statement credits.
Seasonal promotions for exclusive discounts. - Customer Support:
24/7 Helpline:
Bank of Baroda’s customer care provides round-the-clock support for queries, card deactivation, or reward redemption, ensuring cardholders have reliable assistance for their credit card features.
Dedicated Support Channels: The bank offers email and branch support for complex issues, such as disputes or credit limit increases, ensuring comprehensive service for cardholders. - Additional Perks:
The card often includes festive offers in partnership with retailers like Amazon, providing cashback or bonus points on specific spends. These campaigns enhance the card’s value during peak shopping seasons.
Cardholders can convert high-value purchases (above Rs. 2,500) into Equated Monthly Installments (EMIs) at a nominal processing fee, offering flexibility for significant expenses like electronics or travel bookings.
- Interest-Free Credit Period:
Up to 50 Days Interest-Free: The card provides an interest-free credit period of up to 50 days on purchases, provided the outstanding balance is paid in full by the due date. This feature allows cardholders to manage short-term expenses, such as utility bills or travel bookings, without incurring interest charges.
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- Grocery and Shopping Savings: Earning 10 reward points per ₹150 on groceries and department stores benefits households and small businesses managing regular expenses.
- Flexible Reward Redemption: Reward points can be redeemed for fuel vouchers, merchandise, or statement credits via the BOB Financial rewards portal, allowing cardholders to offset grocery or fuel expenses.
- Financial Flexibility: The up to 50 days interest-free period enables cardholders to defer payments for fuel, groceries, or other purchases, freeing up cash for other expenses.
- Affordable Fees: The joining fee of ₹499 and annual fee of ₹499 make the card cost-effective for active users. The first-year fee waiver upon spending ₹50,000 further enhances affordability, a key credit card benefit.
- Welcome Perks: The 2,000 bonus reward points upon spending ₹5,000 within 60 days incentivize early usage and provide immediate value, such as free fuel. This welcome offer sets the card apart in the fuel card category.
- Enhanced Security: The zero liability protection up to ₹75,000 for fraudulent transactions ensures cardholders are safeguarded against unauthorized usage, particularly for online or fuel pump transactions.
- Contactless Payment Safety: Contactless payments offer secure, encrypted transactions, reducing the risk of card skimming at fuel stations or retail outlets. This convenience is a significant benefit for safety-conscious users.
- Lifestyle Convenience: The high reward rate on groceries and department stores supports urban lifestyles, enabling cardholders to save on household essentials or retail purchases.
- Global Usability: The card’s global acceptance via the VISA network ensures cardholders can use it for international fuel or grocery purchases. The 3.5% markup fee is a minor trade-off for global versatility.
- Family and Business Benefits: Add-on cards for family members or employees extend fuel and grocery rewards to others, with customizable limits. Add-on card spends also contribute to the primary cardholder’s reward points.
- Digital Management: The BOB Financial app allows cardholders to track fuel and grocery spends, pay bills, and redeem rewards. Detailed e-statements help monitor spending and optimize reward earnings.
- Fuel-Specific Support: Dedicated assistance for HPCL-related queries, such as surcharge waivers or fuel reward tracking, enhances the card’s usability for fuel-focused users.
- Credit Building: Timely repayments help cardholders build a strong credit profile. For those with limited credit history, the card can be availed against a fixed deposit (minimum ₹15,000), helping build financial reputation.
