Earn reward points on every spend and keep your everyday expenses manageable with a low annual fee.
Up to 4 points per ₹100
1% fuel surcharge waiver
Fee reversed on ₹2,500 spend
Enter your details to get started
| Benefit | Details |
|---|---|
| Accelerated Rewards | Earn 4 reward points per Rs. 100 spent on all eligible MCCs, up to a maximum of 800 reward points per statement cycle. |
| Standard Rewards | Earn 2 reward points per Rs. 100 on select MCCs as defined by the bank. |
| First-Year Fee Reversal | Spend Rs. 2,500 within 60 days of card set-up to have the joining fee of Rs. 250 reversed. |
| Annual Fee Waiver | Annual fee waived on spending Rs. 12,000 in a year. |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 5,000 at fuel stations across India, with a maximum benefit of Rs. 250 per statement cycle. |
| No Overlimit Charges | Cardholders can use up to 105% of their assigned credit limit without incurring any overlimit charges. |
| EMI Conversion | Purchases of Rs. 2,500 or more can be converted into easy monthly instalments of 6 or 12 months. |
| Zero Lost Card Liability | If the loss of the card is reported immediately to the bank, the cardholder incurs zero liability on any fraudulent transactions made on the card. |
| Personal Accidental Death Cover | Cardholders receive a complimentary personal accidental death insurance cover. |
| Interest-Free Period | An interest-free credit period of up to 50 days from the date of purchase. |
| Attribute | Classification |
|---|---|
| Issuer / Provider | BOBCARD Limited (BOB Financial Solutions Limited) |
| Bank / Non-bank | Bank-affiliated |
| Category | Rewards / General |
| Type of Card | Visa / Mastercard |
| Free or Paid | Rs. 250 Annually + GST |
The Bank of Baroda Swavlamban Credit Card is suited to individuals who are beginning their credit journey and are looking for a straightforward card with a low annual fee. With reward points on eligible everyday transactions, a fuel surcharge waiver, and a simple fee-waiver structure that requires modest spending, this card works well for those who want to build their credit profile without committing to high annual charges. The card is also accessible for salaried and self-employed individuals who spend within moderate limits and want their routine purchases to generate some tangible value through rewards.
Add-on Cards: Cardholders can apply for up to 3 add-on cards for family members including parents, siblings, spouse, or children above 18 years of age, at no extra charge.
No Overlimit Charges: The Bank of Baroda Swavlamban Credit Card permits usage of up to 105% of the assigned credit limit without any overlimit fee.
EMI Conversion: Any purchase of ₹2,500 or more can be converted into easy monthly instalments of 6 or 12 months, helping cardholders manage larger expenses with greater ease.
Contactless Payments: The card supports contactless transactions, enabling cardholders to make quick and secure payments for transactions up to ₹5,000 without entering a PIN.
4 Reward Points: Cardholders earn 4 reward points per ₹100 spent on all eligible MCCs, subject to a maximum of 800 reward points per statement cycle.
2 Reward Points: Earn 2 reward points per ₹100 on select MCCs as specified by the bank.
Cashback: Points can be redeemed as cashback against the outstanding credit card balance.
Rewards Catalogue: Points can also be exchanged for a range of products and vouchers available in the rewards catalogue on the portal.
First-Year Fee Reversal: The joining fee of ₹250 is reversed if the cardholder spends ₹2,500 within 60 days of the card being set up. The reversal reflects in the 4th credit card bill statement from the month of card issuance, provided all dues have been cleared.
Annual Fee Waiver: From the second year onwards, the annual fee is waived on spending ₹12,000 in the preceding year.
Fuel Surcharge Waiver: The Bank of Baroda Swavlamban Credit Card offers a 1% waiver on fuel surcharges on transactions between ₹400 and ₹5,000 at fuel stations across India. The maximum waiver applicable is ₹250 per statement cycle.
Personal Accidental Death Cover: The card comes with a complimentary personal accidental death insurance cover as an added layer of financial protection for the cardholder.
Disclaimer: The card features, benefits, application process, and other details mentioned above are accurate at the time of writing but may change without prior notice.
| Fee Type | Amount | Details |
|---|---|---|
| Joining Fee | Rs. 250 + GST | One-time charge when the card is issued. Reversed on spending Rs. 2,500 within 60 days of card set-up. |
| Annual Fee | Rs. 250 + GST | Charged every year from the second year onwards. Waived on annual spends of Rs. 12,000 or more. |
| Add-on Card Fee | Rs. 0 | No charge for up to 3 supplementary cards for eligible family members. |
| Criteria | Details |
|---|---|
Minimum Age | 18 years for the primary cardholder and the same for add-on cards |
Residency | Resident of India |
Occupation | Salaried or Self-Employed |
Income | Regular and stable source of income as assessed by the bank |
Credit Score | A credit score of 700 or above is generally considered suitable for higher approval chances |
| Document Type | Details |
|---|---|
| Identity Proof | PAN Card, Aadhaar Card, Passport, Driving Licence, or Voter ID |
| Address Proof | Aadhaar Card, Passport, Driving Licence, Voter ID, Electricity Bill, or other utility bills (not more than 3 months old) |
| Income Proof | Latest salary slips (for salaried), bank statements for the last 6 months, Form 16, or Income Tax Return (ITR) copy (for self-employed) |
| Photographs | Recent passport-size photographs |
Step 1: Click on Apply Now: Hit the "Apply Now" button to start your application.
Step 2: Fill in Your Detail: Enter your personal, contact, and financial details in the application form.
Step 3: Upload Required Documents: Upload your PAN Card, Aadhaar/Address Proof, and Income Proof.
Step 4: Submit Your Application: Review all the details and click Submit.
Step 5: Approval & Card Delivery: Once approved, your Bank of Baroda Swavlamban Credit Card will be delivered to your registered address.
| Usage Tips | Details |
|---|---|
Maximise Reward Points | Use the card on all eligible retail transactions to earn up to 4 reward points per Rs. 100. |
Claim the First-Year Fee Reversal | Spend Rs. 2,500 within 60 days of card set-up to have the joining fee reversed in the 4th statement from the month of card issuance. |
Track Annual Spending for Fee Waiver | Plan spending to reach Rs. 12,000 annually to avoid the Rs. 250 annual fee from the second year onwards. |
Utilise the Fuel Surcharge Waiver | Make fuel transactions between Rs. 400 and Rs. 5,000 to benefit from the 1% surcharge waiver, saving up to Rs. 250 per statement cycle. |
Use EMI Conversion for Large Purchases | Convert purchases above Rs. 2,500 into monthly instalments of 6 or 12 months for better cash flow management. |
Pay Bills on Time | Ensure the full outstanding balance is paid before the due date each month to take full advantage of the 50-day interest-free period and maintain a healthy credit score. |
The Bank of Baroda Swavlamban Credit Card is designed for users who want to maximize their credit card benefits effectively.
Disclaimer: The information provided on this page has been gathered from various reliable sources and is intended solely for general informational purposes. As details may change over time, we do not guarantee the accuracy or completeness of the content. Users are advised to verify the information with official or relevant sources before making any decisions or taking action.
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