Here we will discuss about the bob energie credit card . In which we get to know about what are the benefits and features of using it. Who can apply for that credit card.
Table of Contents
Introduction to Bank Of Baroda (1)
Bank of Baroda, one of India’s largest public sector banks, offers a wide range of financial products and services tailored to the needs of individuals, businesses and corporates With rich heritage spanning over a century, Bank of Baroda is the trust is the same, innovative and customer-centric solutions.
Special Features of the Bank of Baroda (2)
Extensive networking
It has over 8,200 branches and 11,000 ATMs across India and globally in over 25 countries.
New digital banking solutions
An easy-to-use app for mobile banking, internet banking, and secure, 24/7 banking.
A variety of materials
Offer savings, loans, insurance, investments, etc. to meet any financial need.
A customer-focused approach
There is a strong focus on personalized services and hassle-free banking experiences.
Global Reach
Delivering seamless banking services across borders, including operations in major global financial centers.
Benefits of banking services of Bank of Baroda
Savings and Savings
-Competitive interest rates for savings and fixed deposits.
-Special issues for the elderly, women and students.
Loan options
Home loans: Cheap interest rates with minimal paperwork.
Educational Loans: Customized for students pursuing higher studies in India or abroad.
Personal Loans: Quick financing is provided for personal financial needs.
Business loans: The ability of entrepreneurs to borrow working capital and business finance.
Digital banking
Baroda M-Connect Plus convenient mobile app for payments, money transfers, and more.
Online banking that offers easy access to account management and online transactions.
Cards and Payment Systems
Credit and debit cards including exclusive rewards, cash back and offers.
Contactless payment solutions provide secure and fast transactions.
Wealth Management
Investment options like mutual funds, bonds, and government schemes (e.g., PPF, Sukanya Samriddhi Yojana).
Personalized wealth advisory services for high-net-worth individuals.
Insurance Solutions
Comprehensive insurance plans, including life, health, motor, and travel insurance.
Global Banking Solutions
NRI banking services, international remittances, and forex trading facilities.
Corporate Banking
Trade finance, cash management, and tailor-made solutions for large corporates and MSMEs.
Why Choose Bank of Baroda?
Legacy of Trust: Over 115 years of banking excellence.
Global Reach: International banking services for NRIs and corporates.
Robust Customer Support: 24/7 customer service for quick resolution of queries.
Technology-Driven Services: Cutting-edge technology for secure and efficient banking.
Corporate Social Responsibility: Actively involved in community development and sustainability initiatives.
Popular Services and Initiatives
Baroda Connect: A one-stop online banking solution for individuals and businesses.
Baroda FASTag: Simplified toll payments with automatic deduction through FASTag.
Baroda Click Loans: Instant loan approvals online with minimal documentation.
Digital Payment Ecosystem: Integration with UPI, QR codes, and mobile wallets.
How to Open an Account or Apply for Services
Visit a Branch
Locate the nearest Bank of Baroda branch using their website or app.
Apply Online
Visit www.bankofbaroda.in for seamless account opening and loan applications.
Mobile App
Download the Baroda M-Connect Plus app for account management and transactions.
Experience Banking with a Difference
Bank of Baroda is more than a bank—it’s your partner in financial growth. With innovative solutions, global reach, and a customer-first approach, BOB ensures that every financial need is met with excellence.
Types Of Credit Card Offered By Bank Of Baroda
BOB Eterna Credit Card
- Features:
- High reward rates on online spends.
- Complimentary access to airport lounges.
- Fuel surcharge waiver.
- Ideal For: High-spenders and frequent travelers.
2. BOB Premier Credit Card
- Features:
- Premium lifestyle benefits.
- Reward points on every transaction.
- Special discounts on shopping and dining.
- Ideal For: Customers seeking luxury and lifestyle privileges.
3. BOB Easy Credit Card
- Features:
- Simple application process with low annual fees.
- Reward points on everyday transactions.
- EMI conversion for big purchases.
- Ideal For: Beginners and those seeking affordability.
4. BOB Select Credit Card
- Features:
- Exclusive discounts on dining and shopping.
- Reward points for online and offline purchases.
- Complimentary insurance cover.
- Ideal For: Mid-level spenders looking for versatile benefits.
5. BOB ICAI Exclusive Credit Card
- Features:
- Tailored for Chartered Accountants (CA).
- Reward points on professional and personal expenses.
- Special privileges and discounts on travel and dining.
- Ideal For: Members of the Institute of Chartered Accountants of India.
6. BOB Corporate Credit Card
- Features:
- Designed for businesses and corporates.
- Easy expense management and detailed reporting.
- Special deals on travel and office-related spends.
- Ideal For: Companies and professionals managing business expenses.
7. BOB Kisan Credit Card
- Features:
- Offers credit to farmers for agricultural expenses.
- Low interest rates with flexible repayment terms.
- Cash withdrawal facility.
- Ideal For: Farmers and rural entrepreneurs.
8. BOB Financial Co-branded Credit Cards
- Examples:
- IRCTC Credit Card: Benefits on railway ticket bookings.
- HPCL Co-branded Card: Fuel benefits and discounts at HPCL petrol pumps.
Common Benefits of BOB Credit Cards
- Reward points on all eligible spends.
- Complimentary access to domestic and international airport lounges (varies by card).
- Fuel surcharge waiver across select petrol pumps.
- EMI conversion and balance transfer facilities.
- Robust security features, including fraud protection and SMS alerts.
BOB Eterna Energie Credit Card
Energize Your Lifestyle with Exclusive Privileges
The Bank of Baroda Energie Credit Card is a flagship offering from Bank of Baroda, designed to align with modern lifestyles and sustainability goals. This card provides an exceptional mix of benefits, including attractive rewards, exclusive privileges, and eco-conscious initiatives. Ideal for individuals who seek financial convenience alongside contributing to a greener planet, the Energie Credit Card is a testament to Bank of Baroda’s commitment to innovation and responsible banking.
This credit card caters to frequent shoppers, travelers, and individuals who prioritize financial flexibility while supporting environmental sustainability. With a focus on convenience, security, and rewards, the BOB Energie Credit Card ensures a seamless and rewarding experience for cardholders.
The BOB Eterna Energie Credit Card is designed for individuals who aspire to maximize their lifestyle benefits across shopping, travel, dining, and much more. Packed with premium features, rewards, and unparalleled convenience, this card is your gateway to exclusive perks and financial freedom.
History of BOB Energie Credit Card
The BOB Energie Credit Card was introduced as part of Bank of Baroda’s initiative to expand its range of credit card offerings to meet the evolving needs of its customers. Recognizing the growing trend towards sustainable living and eco-friendly practices, Bank of Baroda launched this card with unique features to encourage green initiatives.
Key Milestones:
- Concept Development: Bank of Baroda identified the need for a credit card that rewards responsible spending while providing premium lifestyle benefits.
- Launch: The Energie Credit Card was launched with the aim of blending financial empowerment and sustainability.
- Partnerships: Collaborated with eco-friendly organizations and merchants to offer exclusive rewards on sustainable products and services.
- Customer-Centric Enhancements: Over time, the card has evolved to include advanced features like contactless payments, digital wallet compatibility, and enhanced reward programs.
This credit card reflects Bank of Baroda’s commitment to innovation and adaptability, addressing customer preferences and global environmental goals. It symbolizes a shift towards a future where financial products not only serve monetary needs but also contribute positively to society and the planet.
Bob Energie Credit Card Features
- High Reward Rates
- Earn accelerated reward points on online transactions and utility bill payments.
- Redeem your points for travel, shopping vouchers, or cashback.
- Fuel Surcharge Waiver
- Enjoy savings on fuel with a 1% fuel surcharge waiver at petrol pumps across India.
- Contactless Payments
- Tap & Pay technology for swift and secure transactions.
- Global Acceptance
- Use your card seamlessly at millions of merchants worldwide.
- Complimentary Lounge Access
- Relax and unwind with free access to domestic and international airport lounges.
Key Highlights
-Eco-Friendly Rewards:
- Earn additional reward points on purchases of eco-friendly products and services.
- Support green initiatives with reward point redemptions.
-Premium Privileges:
- Complimentary lounge access for frequent travelers.
- Exclusive discounts on dining, shopping, and travel bookings.
-Secure Transactions:
- Advanced security features for fraud protection.
- Contactless payment technology for safe and fast transactions.
–Global Acceptance:
- Seamlessly use your card at millions of merchants worldwide.
Exclusive Benefits
- Eco-Friendly Rewards
- Redeem points to support green initiatives or eco-friendly products.
- Lifestyle Privileges
- Discounts on dining, shopping, and entertainment at partner outlets.
- Travel Benefits
- Special offers on flights, hotels, and holiday packages.
- Insurance Coverage
- Complimentary travel insurance and purchase protection for peace of mind.
- Zero Annual Fees
- Enjoy the first-year fee waiver on achieving a minimum spend threshold.
Why Choose the BOB Eterna Energie Credit Card?
- Tailored for environmentally conscious individuals with unique green rewards.
- Backed by 24/7 customer support and best-in-class security.
- Generous credit limits for greater spending flexibility.
Eligibility
- Age: 21 to 65 years.
- Income: Minimum ₹3 Lakhs per annum.
- Credit Score: A good credit history is preferred.
How to Apply?
Online Application
- Visit the official Bank of Baroda website.
- Navigate to the BOB Eterna Energie Credit Card section.
- Fill in the application form and upload the necessary documents.
Bank Branch
- Visit your nearest Bank of Baroda branch.
- Submit the completed application form along with your documents.
Documents Required:
- PAN Card and Aadhaar for ID proof.
- Address proof such as utility bills or Aadhaar card.
- Latest salary slips or ITR for income proof.
Experience the Power of Energie (3)
Make every transaction count with exclusive benefits and green rewards. Apply for the BOB Energie Credit Card today and take the first step towards a smarter, eco-friendly lifestyle.
Advantages
- Reward Points Program
- Earn points on every transaction, with accelerated rewards for eco-friendly purchases.
- Points can be redeemed for cashback, travel bookings, or sustainable products.
- Eco-Conscious Benefits
- Promotes green living by offering incentives for sustainable spending.
- Supports environmentally friendly initiatives through reward point redemptions.
- Lifestyle Privileges
- Discounts on dining, shopping, and entertainment at partner outlets.
- Access to premium services like airport lounges for frequent travelers.
- Fuel Surcharge Waiver
- Save on fuel with a 1% surcharge waiver across participating fuel stations.
- Secure and Convenient
- Equipped with contactless payment technology for fast and secure transactions.
- Robust fraud protection and 24/7 customer service.
- Global Acceptance
- Can be used worldwide at millions of merchant locations.
- Flexible Credit
- EMI options for big-ticket purchases.
- Balance transfer facility to manage existing credit card dues at lower rates.
- Complimentary Insurance
- Includes travel insurance and purchase protection, adding an extra layer of security.
- Digital Integration
- Compatible with digital wallets for seamless online and offline payments.
Disadvantages(2)
- Annual Fees
- Some variants of the card may come with annual or renewal fees, which could offset benefits if spending is low.
- Selective Reward Points
- Accelerated rewards are limited to specific categories, such as eco-friendly purchases, which may not align with all spending habits.
- High Interest Rates
- Standard interest rates apply on outstanding balances, which could lead to significant costs if payments are not made on time.
- Eligibility Criteria
- The card may have stringent eligibility requirements, including a minimum income level and a good credit score.
- Limited Lounge Access
- Complimentary lounge access may be capped per year, which could be restrictive for frequent travelers.
- Foreign Transaction Fees
- A currency conversion fee may apply for international transactions, increasing costs for global travelers.
- Over-Reliance on Spending Habits
- Maximum benefits are realized only if users spend in specific categories, such as travel or eco-friendly goods.
- Redemption Restrictions
- Reward points might have an expiration date, and redemption options may vary, limiting flexibility.
Conclusion
The BOB Energie Credit Card is ideal for individuals who prioritize sustainability and lifestyle benefits, offering a strong rewards program and premium privileges. However, potential cardholders should consider the associated costs, spending patterns, and terms to maximize its value and avoid unnecessary expenses.
The BOB Energie Credit Card stands out as a versatile financial tool tailored for modern, eco-conscious individuals. Its combination of lifestyle privileges, such as reward points, travel perks, and dining discounts, makes it ideal for those who seek both convenience and rewards in their daily spending. The card also promotes sustainability by offering unique incentives for eco-friendly purchases, aligning with the growing emphasis on responsible living.
However, like any financial product, the BOB Energie Credit Card has certain limitations. While the rewards and benefits are impressive, they are often tied to specific categories or spending patterns, which may not suit everyone. Additionally, annual fees and high-interest rates on unpaid balances could reduce the overall value if not managed effectively. Foreign transaction fees and redemption restrictions might also deter frequent international travelers or those looking for greater flexibility in reward usage.
In conclusion, the BOB Energie Credit Card is a compelling choice for individuals who can leverage its unique features, especially its sustainability-focused rewards and lifestyle privileges. To make the most of this card, potential users should evaluate their financial habits and ensure they can utilize the benefits without incurring unnecessary costs. When used wisely, this card can be a powerful tool for financial management and responsible living.bob energie credit card
FAQs
What is the BOB Energie Credit Card?
The BOB Energie Credit Card is a premium offering from Bank of Baroda designed to provide lifestyle benefits and promote eco-friendly spending. It offers features like reward points, travel perks, and special discounts on eco-conscious purchases.bob energie credit card bob energie credit card benefits
Who is eligible to apply for the BOB Energie Credit Card?
To apply, you need to meet the following criteria:
Minimum age: 21 years; Maximum age: 65 years.
A steady source of income (proof such as salary slips or IT returns required).
A good credit score and financial history.bob energie credit card bob energie credit card benefits
What are the key benefits of this credit card?
High reward points for eco-friendly and regular purchases.
Complimentary lounge access.
Discounts on dining, shopping, and travel.
Fuel surcharge waivers.
Robust security features, including fraud protection and contactless payments.bob energie credit card bob energie credit card benefits
Does the card support eco-friendly initiatives?
Yes, the card rewards eco-conscious spending by offering additional reward points and redemption options to support green initiatives and sustainable products.bob energie credit card bob energie credit card benefits
Are there any annual fees for the BOB Energie Credit Card?
The annual fee details depend on the specific card variant. Many cards offer a first-year fee waiver or an annual fee waiver upon meeting a spending threshold.bob energie credit card bob energie credit card benefits
How can I redeem reward points?
Reward points can be redeemed for:
Cashback.
Travel bookings and hotel stays.
Eco-friendly products or vouchers.
Redemption can be done through the Bank of Baroda online rewards portal.bob energie credit card bob energie credit card benefits
Is there a fuel surcharge waiver?
Yes, the card offers a 1% fuel surcharge waiver at select fuel stations, subject to transaction limits.bob energie credit card bob energie credit card benefits
What is the interest rate on unpaid balances?
Interest rates vary based on the card type and your credit history. Ensure you review the terms and conditions before applying to understand the applicable rate.bob energie credit card bob energie credit card benefits
Does the card provide complimentary lounge access?
Yes, the BOB Energie Credit Card includes complimentary access to select domestic and international airport lounges. The number of visits may be capped annually.bob energie credit card bob energie credit card benefits
Can I use the BOB Energie Credit Card internationally?
Yes, the card is globally accepted at millions of merchant locations. However, foreign currency transactions may attract a conversion fee.bob energie credit card bob energie credit card benefits
How can I apply for the BOB Energie Credit Card?
You can apply:
Online: Visit the Bank of Baroda website and complete the application.
Offline: Visit the nearest Bank of Baroda branch with required documents. bob energie credit card benefits
What documents are required for application?
Identity Proof: Aadhaar, PAN, Passport, or Driving License.
Address Proof: Aadhaar, utility bill, or voter ID.
Income Proof: Latest salary slips or IT returns.bob energie credit card bob energie credit card benefits bob energie credit card benefits
What should I do if my card is lost or stolen?
If your card is lost or stolen, immediately contact Bank of Baroda’s 24/7 customer care to block the card and prevent unauthorized transactions. bob energie credit card benefits
Is there an expiry date for reward points?
Reward points may have a validity period, depending on the card terms. Check your account statements or the rewards portal for details.bob energie credit card
Can I convert large purchases into EMIs?
Yes, the card offers an EMI facility for big-ticket purchases, allowing you to repay in easy installments.bob energie credit card bob energie credit card benefits bob energie credit card benefits
Can I link my BOB Energie Credit Card to digital wallets?
Yes, the BOB Energie Credit Card can be linked to popular digital wallets like Google Pay, Apple Pay, Paytm, and others for seamless online and offline transactions.bob energie credit card bob energie credit card benefits
What is the process for increasing my credit limit?
To request a credit limit increase:
Contact Bank of Baroda customer care or visit a branch.
Provide updated income proof such as salary slips, bank statements, or IT returns.
The bank will assess your creditworthiness before approving the request.bob energie credit card bob energie credit card benefits
Are there any additional charges for late payment?
Yes, late payment charges are applied if the minimum due amount is not paid by the due date. The charges vary based on the outstanding amount. Check the fee schedule for exact details.bob energie credit card bob energie credit card benefits
What is the foreign currency markup fee?
The foreign currency markup fee typically ranges between 2% to 3.5% of the transaction amount. This fee is applied to international transactions conducted in a currency other than INR.bob energie credit card bob energie credit card benefits
Does the card offer insurance benefits?
Yes, the card provides:
Travel insurance (for lost baggage, flight delays, etc.).
Purchase protection for stolen or damaged goods purchased using the card.
The coverage amount varies depending on the card type.bob energie credit card bob energie credit card benefits
Can I get an add-on card for my family members?
Yes, you can apply for add-on cards for family members (spouse, children above 18 years, parents) under your primary account. These cards share the credit limit of the primary card.bob energie credit card bob energie credit card benefits
Is there a joining bonus for the BOB Energie Credit Card?
Certain variants of the card may offer a welcome gift or joining bonus in the form of reward points, vouchers, or fee waivers upon meeting the specified spending threshold.bob energie credit card bob energie credit card benefits
Can I track my transactions and reward points online?
Yes, you can track all transactions and reward points:
Using the BOB Financial App.
Through the Bank of Baroda internet banking portal.
By checking your monthly credit card statement.bob energie credit card bob energie credit card benefits
What is the grace period for payments?
The card typically offers a grace period of 20-50 days from the transaction date, depending on the billing cycle. This applies only if there is no outstanding balance from the previous cycle.bob energie credit card bob energie credit card benefits bob energie credit card benefits
Can I pre-close an EMI on the card?
Yes, you can pre-close an ongoing EMI. However, a pre-closure fee may apply. Contact customer care to initiate the process.bob energie credit card bob energie credit card benefits
How do I dispute an unauthorized transaction?
If you notice an unauthorized transaction:
Immediately report it to customer care.
The bank will investigate the claim and provide a resolution within the stipulated time.
Fraud protection features ensure minimal liability for cardholders.bob energie credit card bob energie credit card benefits
What happens if I exceed my credit limit?
If you exceed your credit limit, an over-limit fee will be charged. The fee varies depending on the card type and the amount exceeded.bob energie credit card bob energie credit card benefits
Can I transfer the balance from another credit card?
Yes, the BOB Energie Credit Card offers a balance transfer facility, allowing you to transfer dues from other credit cards at lower interest rates.bob energie credit card bob energie credit card benefits
Are there any rewards for referring the card to others?
Bank of Baroda periodically runs referral programs where cardholders can earn rewards or cashback for successful referrals. Check the bank’s website or app for current offers.bob energie credit card bob energie credit card benefits
Is there a fee for cash withdrawal using the credit card?
Yes, cash withdrawals (cash advances) from ATMs attract a cash advance fee (usually 2.5%-3% of the withdrawn amount) along with applicable interest from the withdrawal date.bob energie credit card bob energie credit card benefits
