Bank of Baroda (BOB) credit card payment online
The Bank of Baroda credit card offers convenience and flexibility. Issued by Bank of Baroda, a trusted name in banking, these cards help manage finances while providing rewards and privileges. With various card options, they cater to different lifestyles and needs, simplifying transactions and enhancing financial well-being.
Managing your BOB credit card payment feels simple and hassle-free. You can handle your BOB card payment online using multiple secure options. Check your BOB credit card status regularly and avoid missing deadlines. Pay your BOB credit card bill on time to maintain a good credit score. Use accessible payment platforms to settle your bills promptly and efficiently.
You can pay your Bank of Baroda credit card bill online using the Bajaj Pay platform platform on Bajaj Finserv. The Reserve Bank of India conceptualised and operates the Bharat Bill Payment System (BBPS), which is a one-stop credit card bill payment eco-system.
How to pay BOB credit card bill online on Bajaj Finserv
Here are the steps to pay your BOB credit card bill using the BBPS platform on Bajaj Finserv:
- Visit the Bajaj Finserv website
- Navigate to the 'PAYMENTS' section
- Select “CREDIT CARD BILL PAYMENT' and click on ‘PAY NOW’
- Choose ‘BOB CREDIT CARD’ as your biller from the drop-down menu
- Enter the last 4 digits of your credit card number and your registered mobile number
- Choose your preferred payment method to pay the bill
You will receive a confirmation message after successful payment.
How to pay BOB credit card bill online on Bajaj Finserv App
Here are the steps to pay your BOB credit card bill using the BBPS platform on Bajaj Finserv App:
- Download the Bajaj Finserv App from the Google Play Store or App Store and install it on your device
- Open the app, log in, or register if you are a new user
- Go to 'BILLS AND RECHARGE' and select 'CREDIT CARD BILL'
- Tap on ‘ADD CARD’ and fill in the necessary details to add your card
- Select your credit card and tap on ‘PROCEED TO PAY’
- Choose your preferred payment method to pay the bill
You will receive a notification from Bajaj Finserv after successful payment.
Fees and charges
A convenience fee of up to 2% will be charged depending on the transaction amount and payment mode (inclusive of applicable taxes). For more information on fees and charges, click here.
Note: For failed transactions, the total amount including charges except taxes are reversed.
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Features and benefits of making Bank of Baroda credit card bill payment on Bajaj Finserv
When paying for your Bank of Baroda credit card bill on the Bajaj Finserv BBPS platform, you can avail of the following benefits:
- Ease of payment: You can complete the Bank of Baroda credit card bill at any time from the comfort of your home before the due date.
- Multiple payment methods: This platform allows you to use credit/debit cards, net banking, UPI, or e-Wallets to make transactions incredibly convenient.
- Safe and secure: Bajaj Finserv provides a safe and secure payment platform. Your payment details are secure with the platform’s robust security measures.
- Instant billing receipts: When you pay Bank of Baroda credit card bill, you will receive instant transaction IDs and billing receipts. It ensures better transparency and reliability.
Interest rate to pay on BOB credit card bill payment
- Interest rate range: based on the particular card type and user profile, 2.50% to 3.50% each month (30% to 42% yearly).
- Calculation: From the date of purchase until the complete payment, interest levy on the daily outstanding balance.
- Grace period: If you pay the entire amount owed by the deadline within the grace period (20–50 days), there is no interest assessed.
- Minimum payment: Although making the minimum payment will lower the amount owed, interest will still levy on the amount that remains unpaid.
- Late payment: In addition to interest costs, a late payment fee applies if you do not pay by the deadline.
- Cash advances: There is no interest-free period and higher interest rates are applicable for credit card cash withdrawals.
How to check BOB credit card outstanding
- Net banking: Online banking with Bank of Baroda offers a convenient method for checking your credit card balance. To do so, you must first register your credit card with Bank of Baroda's online banking service. If you are an existing customer, your credit card will automatically link to your account.
- Mobile app: Bank of Baroda offers its own proprietary banking apps to enhance customer engagement. These apps not only allow you to check your credit card balance but also provide useful features such as spend analysers, helping the next generation of customers keep track of their spending habits.
- Customer support: For customers who prefer not to use online or mobile banking, Bank of Baroda offers an alternative method to check their credit card balance and available credit limit. Simply dial the Bank of Baroda credit card balance check number at 1800 425 4059 to speak with a customer care representative.
- Branch visit: While it may be time-consuming, visiting the nearest Bank of Baroda branch is an option to inquire about your credit card balance. This can be particularly helpful if you are a first-time user and require assistance with checking your credit card balance, whether online, on mobile, or through other methods.
- SMS notifications: Bank of Baroda provides customers with real-time SMS alerts whenever you use the credit card for payments. These SMS alerts enable customers to promptly verify transaction details, ensure that the correct amount was charged, and stay updated on their credit card balance.
- Monthly statements: Bank of Baroda also sends monthly credit card statements via SMS and email. These statements include information about your credit card balance, outstanding dues, and the due date for payment.
Pay other banks’ credit card bills
Apart from BOB Bank, you can also pay the credit card bills of other banks through Bajaj Finserv. Such as:
Recharge and Pay Bills
Bajaj Finserv app for all your financial needs and goals
Trusted by 50 million+ customers in India, Bajaj Finserv App is a one-stop solution for all your financial needs and goals.
You can use the Bajaj Finserv App to:
- Apply for loans online, such as Instant Personal Loan, Home Loan, Business Loan, Gold Loan, and more.
- Invest in fixed deposits and mutual funds on the app.
- Choose from multiple insurance for your health, motor and even pocket insurance, from various insurance providers.
- Pay and manage your bills and recharges using the BBPS platform. Use Bajaj Pay and Bajaj Wallet for quick and simple money transfers and transactions.
- Apply for Insta EMI Card and get a pre-qualified limit on the app. Explore over 1 million products on the app that can be purchased from a partner store on Easy EMIs.
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Download the Bajaj Finserv App today and experience the convenience of managing your finances on one app.
Frequently asked questions
The Bank of Baroda provides a grace period of 20 to 50 days if there are no outstanding dues on your card.
If you make a minimum payment of Rs. 100 (minimum payment amount is 5% of total dues or Rs. 100 whichever is more) within the due date, the dues will be Rs. 1,000 - Rs. 100 = Rs. 900 + Rs. 23.40 (service charges 2.50% on Rs. 900) + Rs. 2.90 (service tax @ 12.36%) = Rs. 926.30.
The billed amount on a credit card is the sum of all the payments that are made using the card from the given billing cycle plus past dues, if any. It can also include cash withdrawals, if the credit cards support that feature.
Bajaj Finserv is one of the safest portals for credit card bill payments, with its advanced security mechanisms. It ensures safety of your money along with your personal credentials.
To pay your credit card bill online, head over to the Bajaj Finserv website, click on the BBPS login page and follow these steps:
- Enter your full name and your mobile number and click on ‘GENERATE OTP’ to receive a 6-digit OTP on your phone.
- Enter the OTP on the next page and click on ‘SUBMIT’ to log in successfully.
- Once you have logged in, head over to the ‘FINANCIAL SERVICES AND TAXES’ section and select ‘CREDIT CARD’.
- On the next page, choose your biller, enter your credit card number, and click on ‘PROCEED’. Your bill will be automatically fetched based on the details you provide.
- Select your preferred mode of payment and click on ‘PAY’.
- Enter your payment details and complete the payment, after which you will get a payment confirmation on the screen along with a receipt for the same.
Yes, credit cards are billed monthly.
You should pay your credit card bill before its due date. Nevertheless, when your credit utilisation comes near 30%, it is advisable to pay the bill irrespective of the due date.
Yes, you may use mobile banking to pay your Bank of Baroda (BOB) credit card bill. All you have to do is open the BOB mobile banking app, click on "Credit Card," and then pick "Bill Payment." You can use money from your linked BOB account to pay the bill. Additionally, you may use the app to schedule payments or set up auto-debit for future payments, which will guarantee that your account is paid automatically and on time.
The Bank of Baroda (BOB) mobile banking app and online banking website allows you to view your credit card payment history. After logging in, go to the "Credit Card" section of your account and choose "Payment History" or "Transaction History." This will provide a whole history of your previous payments, complete with dates, amounts, and modes of payment. For your records, you may also download or print your payment history. As an alternative, a summary of your payment history will be included in your monthly credit card statements.
When paying with a Bank of Baroda (BOB) credit card online using one of the bank's official channels, such internet, mobile, or the BOB World app, there are usually no fees involved. These websites provide free credit card payment services. However, the service provider may impose small convenience costs if you decide to pay via third-party payment gateways or applications. To avoid any unforeseen fees, it is best to check the conditions before making such payments.
Make sure you have an active BOB internet banking or mobile banking account before registering for online credit card payments. Go to the "Credit Cards" section of your online banking account after logging in. To finish the registration procedure, select "Register Card," enter your card information, and adhere to the instructions. After registering, managing your credit card, checking statements, and making payments online is simple. Additionally, you may program auto-debit instructions to guarantee on-time bill payments.
Yes, you may use UPI (Unified Payments Interface) to pay your Bank of Baroda (BOB) credit card bill. Use the "Pay" option when launching your UPI-enabled app, then input the virtual payment address (VPA) or UPI ID of the BOB credit card biller. Enter the amount to be paid, enter your credit card information as the account number, and finish the transaction with your UPI PIN. UPI payments are a popular choice for paying credit card bills since they are rapid, easy, and usually cost-free.
