Step-by-Step Process to Get a BOB Credit Card

Getting a BOBCARD is easier than you might think. With a fully digital application process, you can apply for your preferred BOB credit card from the comfort of your home no branch visits required. This guide walks you through every step, from choosing the right card to receiving it at your doorstep.

Before You Apply: Quick Eligibility Check

Before starting your application, ensure you meet the basic eligibility criteria:

Tip: If you're unsure about eligibility for a specific card, start with BOBCARD Easy (entry-level) or BOBCARD Prime (secured card against FD). These have more accessible eligibility requirements.

Documents You'll Need: Keep These Ready

Having your documents ready before starting the application ensures a smooth, uninterrupted process:

Identity Proof (Any One)

• PAN Card (mandatory for credit card applications)
• Aadhaar Card
• Passport / Voter ID / Driving License

Address Proof (Any One)

• Aadhaar Card
• Passport
• Utility Bill (electricity, water, gas not older than 3 months)
• Bank Statement with address

Income Proof

For Salaried Individuals:

• Bank statement reflecting salary credit for last 2 months (PDF format)
• Latest salary slips (if available, submit along with bank statement)

For Self-Employed Individuals:

• Bank statement reflecting business transactions for last 3 months (PDF format)
• Latest ITR (Income Tax Return) acknowledgment

Additional Documents (If Applicable)

• For BOBCARD Prime (Secured Card): FD receipt from Bank of Baroda
• For Defence Cards: Service ID / Defence identification
• For Professional Cards (CA/CS/CMA): Membership certificate from respective institute
• Existing Credit Card Statement: If applying based on existing card from another bank

The Online Application Process: 7 Simple Steps

Follow these steps to complete your BOBCARD application online:

Step 1: Visit the Official BOBCARD Website

• Go to www.BOBcard.co.in
• Browse the available credit cards under 'View Cards' or 'Apply for Credit Card'
• Select the card that matches your needs and eligibility

Step 2: Click 'Apply Now' on Your Chosen Card

• Each card page has an 'Apply Now' button
• Review the card features, fees, and eligibility criteria before proceeding

Step 3: Fill in Your Personal Details

The application form will ask for:

• Full name (as per PAN card)
• Date of birth
• PAN number
• Mobile number and email ID
• Current residential address
• Employment type (salaried/self-employed)
• Monthly/annual income
• Existing Bank of Baroda relationship (if any)

Step 4: Upload Required Documents

• Upload clear, legible scans/photos of your documents
• Bank statements should be in PDF format
• Ensure file sizes are within the specified limits

Step 5: Complete eSign (Electronic Signature)

• You'll receive an OTP on your Aadhaar-linked mobile number
• Enter the OTP to digitally sign your application
• This replaces the need for physical signature

Step 6: Complete Video KYC (VKYC)

• You'll receive a Video KYC link via SMS and email
• Click the link and complete a short video verification
• Keep your original PAN and Aadhaar card ready to show
• Ensure good lighting and a stable internet connection
• The VKYC process typically takes 3-5 minutes

Step 7: Submit and Note Your Application Number

• After successful submission, you'll receive an application reference number
• Save this number you'll need it to track your application status
• You'll also receive a confirmation email and SMS

Alternative Ways to Apply

Through Bank of Baroda Branch

• Visit your nearest Bank of Baroda branch
• Carry original documents for verification
• Fill the physical application form
• Submit photocopies of required documents

Through BOB World Mobile App

• Existing Bank of Baroda customers can apply through the BOB World app
• Navigate to Credit Cards section
• Pre-approved offers may be available for eligible customers

For Existing BOBCARD Holders (Additional Card)

• Log in to the BOBCARD portal or mobile app
• Check for pre-approved additional card offers

How to Track Your Application Status

After submitting your application, you can track its progress through multiple channels:

Online Tracking (Recommended)

1. Visit www.BOBcard.co.in
2. Click on 'Track Your Card Application'
3. Enter your Application Number, PAN, or Registered Mobile Number
4. Click 'Get Details' to view current status

Via Customer Care

• Toll-Free: 1800 2665 100 / 1800 2667 100
• Email: crm@BOBfinancial.com
• Keep your application number ready when calling

Understanding Application Status Messages

What Happens After Approval

Once your application is approved:

1. Approval Notification: You'll receive an SMS and email confirming approval
2. Card Dispatch: Your card will be dispatched via courier to your registered address
3. Delivery Time: Typically 7-10 working days from approval
4. PIN Delivery: Your PIN will be sent separately or can be generated via the BOBCARD app/portal
5. Card Activation: Activate your card through the BOBCARD app, portal, or by calling customer care

Important: Your card will be delivered in a sealed envelope. Never accept a card that appears tampered with. If the envelope is damaged, refuse delivery and contact BOBCARD customer care immediately.

Tips for a Smooth Application Experience

1. Check Your Credit Score First: A score of 700+ improves approval chances; 750+ is ideal for premium cards
2. Ensure Documents Are Clear: Blurry or unclear documents can delay processing
3. Match Information Exactly: Details should match across PAN, Aadhaar, and bank statements
4. Choose the Right Card: Apply for a card that matches your income eligibility
5. Complete VKYC Promptly: Delays in Video KYC can slow down your application
6. Respond to Document Requests: If the bank requests additional documents via email, respond promptly
7. Keep Phone Accessible: Be available for verification calls on your registered mobile number
8. Existing BOB Customers: Having an existing Bank of Baroda account can help with smoother processing

Typical Timeline: Application to Card in Hand

Need Help? Contact BOBCARD

• Website: www.bobcard.co.in
• Apply Online: www.bobcard.co.in/apply-for-credit-card
• Track Application: www.bobcard.co.in/get-in-touch/track-credit-card-application
• Toll-Free: 1800 2665 100 / 1800 2667 100 (24x7)
• Email: crm@bobfinancial.com
• SMS: SMS 'APPLY' to 56767 for application assistance