Bank Of Baroda Credit Card Reward Points

Bank of Baroda (BoB), one of India’s largest banks, offers appealing reward point features that significantly enhance your BOB Credit Card. 

In this blog, we’ll check for Bank of Baroda credit card reward points features, studying their specific characteristics, spending potential, and more.

Understanding BoB Credit Card Reward Points

Bank of Baroda credit cards offer a robust reward feature tool that permits cardholders to earn points on diverse transactions. These points may be redeemed for a wide range of rewards, making your regular spending more profitable. Let’s break down the important aspects of BoB’s reward points features:

1. Earning Threshold

To make certain that cardholders are rewarded for significant transactions, Bank of Baroda has set a minimum spending threshold for earning reward factors. For most BoB credit cards, you’ll begin income reward factors on transactions of ₹100 or greater. It’s well worth noting that the HPCL BoB Energie Credit Card has a slightly better threshold, with reward factors accruing on transactions of ₹150 or better.

2. Validity Period

Bank of Baroda understands the significance of giving cardholders sufficient time to make use of their hard-earned points. That is why points earned on maximum BoB credit cards are valid for an extended 2 year term. This extended validity enables you to collect points for larger rewards or utilize them when required without feeling anxious.

However, there’s an exception to this rule; it really is worth highlighting. The Bank of Baroda Eterna Card takes the concept of reward feature to the following level: the factors earned on this premium card by no means expire! This feature makes the Eterna Card an excellent choice for people who prefer to save their amount for large redemptions over time.

3. Accelerated Reward Points

One of the standout features of Bank of Baroda credit cards is the opportunity to earn reward points in particular spending categories. Many BoB cards offer 5X reward factors on choosing categories, permitting you to boost your point profits significantly. These increased points are automatically credited to your account in the following announcement cycle, making it easy to track your overall earnings.
Let’s look at a few famous Bank of Baroda credit cards and their increased reward factor categories:

• Easy Credit Card: Earn 5X points on department store and movie ticket purchases.
• Select Credit Card: Enjoy 5X factors on online spending and dining
• Premier Credit Card: Get 5X Factors on Dining, Tours, and International Spends
• ConQR Credit Card: Accumulate 5X factors on online transactions, dining, and utilities
• Bank of Baroda IRCTC Credit Card: Earn 5X points on grocery and department store purchases
• SnapDeal Bank of Baroda Card: Benefit from 5X points on e-commerce, grocery, and departmental shop spends.
• CMA One Credit Card: Get 5X points on online spending, eating, and utilities.

It’s vital to be aware that there are caps on the number of expanded reward points you may earn in a statement cycle. These caps range from 1,000 to 2,000 points, depending on the card. Once you attain this cap, you’ll be able to earn everyday reward points for your spending.

Reward Points on UPI Spends

Bank of Baroda has ensured that its RuPay credit cardholders do not miss out on earning rewards for these digital bills. While UPI spends do not qualify for accelerated reward factors, you could nonetheless earn mid reward factors on these transactions.

The rate that banks charge for UPI transactions varies according to your specific BoB RuPay credit card. For example:

• RuPay Easy Card: 0.5 RP according to ₹100 spent
• RuPay Premier Card: 1 RP in step with ₹100 spent
• RuPay IRCTC Card: 2 RP in keeping with ₹100 spent
• RuPay Snapdeal Card: 4 RP per ₹100 spent
• RuPay HPCL Energie Card: 2 RP according to ₹150 spent

It’s really worth noting that there is a cap of 500 reward points that can be earned on UPI spends in a statement cycle across all BoB RuPay credit cards.

Conclusion

Bank of Baroda credit cards reward points features offer a good value for cardholders with its mix of higher income groups, generous validity durations, and the inclusion of rewards on UPI spends. By knowing the nuances of your precise BoB credit card’s reward points and implementing spending and redemption methods, you could extract extensive value from your everyday spending.

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