Snapdeal Bank of Baroda Credit Card: The Snapdeal Bank of Baroda Credit Card, a co-branded in partnership with Snapdeal and BoB i.e., Bank of Baroda, a great option for those who love to shop online. The Snapdeal Bank of Baroda credit card is a great option for the one who prefer online shoppping in their day-to-day life and is considered to create the best shopping experiences for its customer.
The credit card comes with great deals and offers for its customer in different categories on all their purchases from groceries, online spends, and many more. The credit card is considered to be super affordable for everyone as the card comes with a joining and annual membership fee of only Rs. 249.
Therefore in this article we are going to see the features and benefits of the Snapdeal Bank of Baroda Credit Card and the eligibility to apply for the same.
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Contents
1. Snapdeal Bank of Baroda Credit Card Features and Benefits
The Snapdeal Bank of Baroda Credit Card mostly restricted to the shopping category. Therefore, the card offers benefits in categories such as welcome benefits, reward points and many more.
Here we have mentioned the features and benefits offered by the Snapdeal Bank of Baroda Credit Card:
- Welcome Benefits: As welcome benefit, get a Snapdeal voucher worth upto Rs. 500 on making at least one transaction within the first 30 days of card issuance.
- Reward Points: As reward points, get a 5% cashback i.e., 20 Reward Points on every spend of Rs. 100, on shopping through Snapdeal app or website. Also, get 2.5% cashback i.e., 10 Reward Points on every spend of Rs. 100, on departmental stores, online spends, and grocery purchases. The Reward Points under this category are capped at 2,000 points per month. You get 4 Reward Points on every other retail spend of Rs. 100.
- Zero Liability Protection: In case of lost of your Snapdeal Bank of Baroda credit card, you need to report the loss immediately, then you can avail the facility of zero liability on fraudulent transactions made through your card.
- Fuel Surcharge Waiver: On your fuel transactions greater than Rs. 400 and Rs. 5,000, cardholders will get a fuel surcharge waiver of 1%, at fuel pumps all over India with max waiver capped at Rs. 250 per calendar month.
The Snapdeal Bank of Baroda credit card is limited to the shopping categories only, the card does not offers benefits in travel or in dining or entertainment categories.
2. Snapdeal Bank of Baroda Credit Card Fees and Charges:
- The Joining fee charges are- Rs. 249.
- The Cash withdrawal fee, is 2.5% i.e., Rs. 300 of the withdrawn amount.
- An interest rate of 3.25% per month is applicable on the due amount on the card if the cardholder is unable to clear all the dues by the payment due date.
- On all the Foreign currency transaction, you have to pay forex fee of 3.5% on the transacted amount. This fee is to be paid on all international transactions done using this credit card.
- Late Payment Charges are- apart from the interest rate, a late payment fee shall also be applicable, For Statement Balance: Less than Rs. 100- Nil, Between Rs. 100 to Rs. 500- Rs. 100, Between Rs. 501 to Rs. 1,000- Rs. 400, Between Rs. 1,001 to Rs. 10,000- Rs. 750, Between Rs. 10,001 to Rs. 25,000- Rs. 950, Between Rs. 25,001 to Rs. 50,000- Rs. 1,100, More than Rs. 50,000- Rs. 1,300.
3. Snapdeal Bank of Baroda Credit Card Eligibility Criteria to Apply:
The common eligibility criteria and the documents required to apply for Snapdeal Bank of Baroda Credit Card are as follows:
- The age limit for applying for this card is of 21 years of age to 65 years of age.
- The cardholder should earn either through salary i.e., an income of Rs. 3,60,000 annually or more or through self-employed i.e., an income of Rs. 4,80,000 annually or more.
- The cardholder should have a good credit history as well.
- For Identity Proof documents you need are Aadhar Card, Voters Id, PAN Card, Passport, Driving License.
- For Address Proof, Utility bills of the latest months, Aadhar Card, Passport, and Ration card are the needed documents.
- For Income Proof, you need to submit the latest bank statement as a salaried person, and can also, submit your company ID card, if you are salaried, and if you are self-employed, you should submit your latest ITR.
4. How to Apply for Snapdeal Bank of Baroda Credit Card:
For Snapdeal Bank of Baroda credit card you can apply either online or offline. For offline mode, you can visit your nearest Bank of Baroda branch with all the required documents and fill out the physical application form.
Here are the steps to be followed to apply for your Snapdeal Bank of Baroda credit card:
- Step 1: Visit Official website of the Bank of Baroda- cardonline.bobcard.co.in
- Step 2: Click on ‘Card type’ option.
- Step 3: Then, select ‘Credit Card’ option.
- Step 4: Choose the ‘Snapdeal Bank of Baroda Credit Card’, under ‘other credit cards’ option.
- Step 5: Click on ‘Apply Now’.
- Step 6: Enter your mobile number and captcha to start the application, and all the requested details and providing the required documents.
This the way in which you can apply for Snapdeal Bank of Baroda credit card online.
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