Bank of Baroda Credit Card – Application
Bank of Baroda Credit Card – Application Form Download
The provided document is the BOBCARD Credit Card Universal Application Form (Version 1.0, Oct 2024), used by individuals to apply for various credit card variants across multiple card networks (Applicatio… pp. 1, 4).
1. Card Variant Selection & Fee Structure
- Network Availability: Applicants can select their preferred credit card variant from three major networks: Mastercard, Visa, or RuPay (Applicatio… p. 1).
- Fee Disclosures: Joining fees range from ₹249 to ₹2,499 (plus applicable GST), though basic cards like the Business Empower carry no joining fee (Applicatio… p. 1).
- Fee Reversal Milestones: Most cards offer fee reversals based on initial milestones (e.g., spending ₹5,000–₹25,000 within the first 60 days to reverse the joining fee) or annual milestones (e.g., spending ₹35,000–₹2,50,000 in the preceding year to reverse annual fees) (Applicatio… p. 1).
- Special Group Cards: Dedicated variants exist for professional groups (ICAI, ICSI, CMA) and defense forces, including the Indian Navy (Varunah), Indian Army (Yoddha), Assam Rifles (The Sentinel), and Indian Coast Guard (Rakshamah) (Applicatio… pp. 1, 3).
2. Mandatory Applicant & Employment Information
- Core Identifiers: Applicants must fill the form in BLOCK LETTERS and include mandatory fields like full name, preferred card name (max 20 characters), Date of Birth, Gender, Nationality, PAN, and Aadhaar number (Applicatio… pp. 1-2).
- Occupation Profile: Captures employment details—categorizing users as Business, Professional, Self-Employed, or Salaried—along with their Gross Annual Income, company name, and official designation (Applicatio… p. 2).
- Institutional Ties: Professional applicants (e.g., ICAI/ICSI/CMA) must fill out a dedicated section detailing their official Membership Number and years of practice (Applicatio… p. 4).
3. Supplementary Account Additions
- Add-On Cards: Applicants can request up to two add-on cards for immediate family members (Spouse, Parent, Sibling, or Child) who are over 18 years of age, requiring separate photos, PAN numbers, and dates of birth (Applicatio… pp. 2-3).
- Accidental Insurance Nomination: Includes an integrated nomination section to assign any accidental death insurance benefits to a designated relative (Applicatio… p. 2). Note: Insurance covers are explicitly excluded from co-branded IRCTC, HPCL Energie, and Snapdeal cards (Applicatio… p. 4).
4. Legal Disclaimers & Autopay Authorizations
- Autodebit Consent: The form provides a choice to link an existing Bank of Baroda account for an automatic monthly bill clearance, allowing the user to select a debit option for either the Total Amount Due or the Minimum Amount Due (Applicatio… p. 4).
- Regulatory Compliance: Cardholders formally declare that any overseas card spending will strictly abide by the Foreign Exchange Management Act (FEMA), 1999 and RBI exchange control guidelines (Applicatio… p. 4).
- Usage Restrictions: Users explicitly undertake not to utilize the card for prohibited online activities such as lottery ticket purchases, banned magazines, sweepstakes, or overseas forex trading margin calls (Applicatio… p. 4).
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