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How to redeem Bank of Baroda Bank credit card reward points to cash

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Redeem Bank of Baroda Bank credit card reward points

You can use your credit card as a Bank of Baroda customer for in-store or online shopping, dining, paying utility bills, and much more. The more your credit card is used, the more you earn Baroda Loyalty Points. The Bank of Baroda has issued four forms of credit cards:

  1. Easy
  2. Select
  3. Premier
  4. Prime

Features of the Baroda Credit Card Bank Simple & Pick Credit Card

You will receive five reward points for every Rs. 100 spent on food, departmental stores, and movie tickets.

In the next statement, you get 0.5% of the card bill payment as cashback.

By investing in Rs. 6,000 within 60 days and Rs. 35,000 in a year for reversal/exemption of annual fees, you can make Simple lifetime free.

There is a zero fuel surcharge imposed at the payment time if you pay through the Simple and Pick Bank of Baroda credit card. For all purchases between Rs. 400 and Rs. 5,000, a 1 percent fuel surcharge is waived.

You can redeem your reward points by opting for cash back or selecting from the other deals given to you.

On the card, you can buy something huge and pay EMIs. A purchase of > Rs. 2,500/- on your card can be transformed into simple 6 or 12 months EMIs.

Premier Credit Card Characteristics

With select restaurants, travel companies, or airlines, you can receive 5 points for traveling and eating. You receive ten reward points for every Rs. 100 spent on journeys, dining, and abroad.

Thirty-eight airport lounges across 22 cities in India, 24 x 7 concierges, and more can be granted exclusive privileges and complimentary access.

By investing in Rs. 10,000 within 60 days and Rs. 1,20,000 in a year, you can make PREMIER lifetime free for revocation/waiver of annual fees.

There is no fuel surcharge imposed at the payment time if you pay through the Premier Bank of Baroda credit card. For all purchases between Rs. 400 and Rs. 5,000, a 1 percent fuel surcharge is waived.

You can redeem your reward points by opting for cash back or selecting from the other deals given to you.

On the card, you can buy something huge and pay EMIs. A purchase of > Rs. 2,500/- on your card can be transformed into simple 6 or 12 months EMIs.

Prime Credit Card Features

For a fixed deposit of Rs. Fifteen thousand or more, without any proof of income, you can get a Prime Bank of Baroda credit card.

For every Rs. 100 spent, you will receive 1% cashback on all expenses and gain four reward points (equal to Re.1 on redemption).

All the programs and rewards of Prime can be enjoyed for life. There are no costs imposed on issuing the card for the first year, and there are absolutely no recurring fees.

There is no fuel surcharge imposed at the payment time when you pay through the Premier Bank of Baroda credit card. For all purchases between Rs. 400 and Rs. 5,000, a 1 percent fuel surcharge is waived.

You can redeem your reward points by opting for cashback or selecting from the other deals given to you.

On the card, you can buy something huge and pay EMIs. A purchase of > Rs. 2,500/- on your card can be transformed into simple 6 or 12 months EMIs.

Redemption Deals with Bonus Points

Credit card customers of Bank of Baroda are entitled to earn a 100% cashback (whenever they wish to redeem their bonus points at the rate of 1 Rs. 0.25 Bonus Point).

For the whole financial year, bonus points are available. Within two months after the year closes, you will reclaim these points.

You will receive 1 to 2 bonus points for every Rs. 100 spent on all forms of credit card purchases, except for fuel purchases and cash withdrawals.

Redemption Requirements

As a client, you can redeem your rewards by logging on to the Bank of Baroda Portal. Your minimum earnings for the financial year should be 500 Bonus points to reclaim your points.

You can only request cashback if you have a minimum of 500 bonus points accrued at a time. The points will not be redeemed if your card is blocked or cancelled.

Checking the Balance of Baroda Credit Card Reward Points

To scan for your Baroda Reward Points balance, you can log into your personal Baroda Reward account. To understand your reward point balance, you can also call the Baroda Reward Support Desk at 1800-419-1101.

To reclaim credit card points from your Bank of Baroda, you need to

  • Log on to the portal of Bank of Baroda.
  • Go to the choice ‘New consumer.’
  • Provide your debit card number or customer identification number from the Bank of Baroda.
  • Enter your registered mobile number with a one-time password (OTP).
  • Verify personal information and begin redemption. To register now, click here.
  • You can log into your account once you are a registered member and select how you want to redeem your points.

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