In today’s digital age, the demand and competition of banking services is continuously increasing. Every bank is bringing new offers and facilities to attract its customers. Bank of Baroda (BOB) The country’s largest and Trusted government banks One of which is always making new changes in the interest of its customers.
Recently BOB for its account holders Two big news Has given, which will directly benefit millions of customers. The first of these two good news is – Debit Card And Credit Card Free FacilityAnd another – Many new benefits and rewardsWhich will now attract the account holders of Bank of Baroda more than before.
Today, banking is not limited to depositing or withdrawing only money. Now bank customers Digital banking, Reward points, Free cards, InsuranceAnd Many types of offers Are giving Bank of Baroda also has its own Savings Account And has announced free to give the Debit Card and Credit Card free for other account holders, which will make the banking experience even better to the customers.
If you are also a customer of Bank of Baroda or thinking of opening a new account, then this information is very important for you. Let’s know in detail about these new features.
Bank of Baroda new update observation
| Name/feature of the scheme | Description/Details |
| Bank name | Bank of Baroda (Bank of Baroda) |
| Beneficiary | All new and current account holders |
| Main advantage | Free Debit Card, Free Credit Card, Reward Points, Insurance |
| Debit card facility | Free, with many savings accounts |
| Credit card facility | Many cards lifetime free, no joining/annual fees |
| Additional benefits | Reward points, fuel surcharge relaxation, insurance, EMI facility |
| Eligibility | It is necessary to be an account holder of Bank of Baroda |
| Required documents | Aadhaar, PAN, Address Proof, Passport Photo |
| Application process | Both online/offline |
| Update applicable date | From April 2025 |
Free debit card facility
Bank of Baroda has many types of account holders Debit cards offer Does many of which Free Debit Card with Savings Accounts being given. This facility is especially available with Basic Savings Account, Women’s Account, Senior Citizen Account, and Zero Balance account.
Benefits of debit card
- Free Debit Card Issue (Issue) – No joining fees
- Facility to use across the country and at international level
- Cash withdrawal, shopping, online payments from ATM
- Free unlimited check book (in some accounts)
- Baroda Connect Internet Banking and Mobile Banking Facility
- Personal Accidental Insurance Cover (up to ₹ 1 Lakh)
- Fast card delivery and easy application process
Debit card types
- Regular Debit Card – With Basic Savings Account
- Visa Platinum Debit Card – With senior citizen account
- Women Debit Card – For women account holders
- Bob World Yodda Debit Card – For Defense Personal, Free Airport Lounge Access etc.
Eligibility for Debit Card
- Bank of Baroda should have savings account
- KYC documents (Aadhaar, PAN, Address Proof)
- Minimum age 18 years (Guardian required for minor account)
Documents required for Debit Card
- Aadhar card
- PAN card
- Address proof (driving license, voter ID, electricity bill etc.)
- Passport Size Photo
Free credit card facility
Bank of Baroda has many On credit cards Lifetime free offer Has started, ie no joining fees or annual fees will be charged on these cards. Also, many cards are getting rewards, fuel surcharge relaxation, free ad-on cards, and EMI facilities.
The main benefits of Credit Card
- Zero Join Fee and Annual Fee: Many cards lifetime free
- Reward Points: 4 reward points at every ₹ 100 expenditure
- Ad-on Card: Free ad-on cards up to 3 (for family members)
- Interest free period: Interest-free credit for 50 days
- Fuel overload discount: 1% discount on fuel transaction
- EMI Facility: Can convert expenditure above ₹ 2,500 to EMI
- Zero liability on lost card: No responsibility for the card missing
- insurance cover: Personal Accidental Death Cover (According to the type of card)
- Global acceptance: Used at more than 1 million ATMS around the world
Major free credit cards
- Bob easy credit card
- Bob Prime Credit Card (with FD)
- ICAI Bob Exclusive Credit Card
- Indian Army Yodda Bob Card
Eligibility for Credit Card
- Bank of Baroda should be account holder
- Evidence of Income (Salary Slip, IT Returns etc.)
- FD based card required FD of at least ₹ 15,000
- KYC documents (Aadhaar, PAN, Address Proof)
Documents required for Credit Card
- Aadhar card
- PAN card
- Address proof
- Passport Size Photo
- Income certificate
Important points related to free debit card and credit card
- Not available free debit card with all savings accounts, some special accounts are available only
- Not all cards in credit cards are not lifetime free, this facility is on selected cards.
- Insurance and rewards available with cards depend on the type of card
- Bank’s terms apply on the use of cards
- Contact customer care immediately in the case of card missing or misuse
Benefits and limits of Bank of Baroda Debit Card and Credit Card
| Benefits (PROS) | Boundaries (Cons) |
| Free Debit/Credit Card (Zero Fees) | Not all cards free, some can be charged |
| Reward points and offers | Dependent on the type of value card of the rewards |
| Fuel surcharge discount | Rebate on limited transactions |
| Insurance cover | The cover is changed according to the amount card |
| EMI facility | EMI available only on some transactions |
| 24 × 7 customer support | Card depended on approval bank policy |
BOB debit card and other benefits related to credit card
- Digital banking, mobile banking and internet banking facility
- Easy process of card blocking, tracking and management
- Personal Accidental Insurance Cover
- Special rewards on online and offline shopping
- Airport Lounge Access on Some Cards
conclusion
Bank of Baroda has made banking more easy and beneficial for its account holders by giving free facility on Debit Card and Credit Card. Now customers will not have to pay any additional fee for the card and they can avail shopping, travel, online payments, and many other services.
Also, facilities like reward points, insurance, fuel surcharge relaxation are also available. If you are a customer of Bank of Baroda, then definitely take advantage of these offers and make banking smart and safe.
Disclaimer: This information is based on official announcements and available features of Bank of Baroda. Not all savings accounts or credit cards are available free feature, it depends on the bank’s conditions and types of cards. Please take complete information from the official website or branch of the bank before the application. Any plan or offer can change from time to time.
