BOB One card VISA Credit Card
Bank of Baroda
Last updated: Feb 03, 2026
₹0
₹0
2%
6 visits/yr
Contents
The BOB One Card (Visa) is an app-driven metal/virtual credit card offering strong rewards on dining and travel, contactless payments and smart EMI. It delivers an easy, low-fee experience with instant virtual issuance and simple reward redemption.
Features of BOB One card VISA Credit Card which makes it unique
App-driven control
Full card controls via mobile app
Instant locks, spend controls, instant virtual card
Faster digital controls than legacy cards
Instant virtual issuance
Get virtual card instantly after approval
Use card online immediately
Good for immediate purchases
Rewards Structure of BOB One card VISA Credit Card
Dining
acceleratedRestaurants and food delivery
High earn rate on dining and food delivery
Travel
acceleratedAirlines, hotels, travel portals
Good for travellers
Shopping
baseAll merchants
Standard earn rate on everyday spends
Milestones of BOB One card VISA Credit Card
Quarterly Milestone
₹40,000 : Complimentary lounge access or bonus points (card-specific T&Cs)
Annual Milestone
₹1,20,000 : Fee reversal or bonus points (subject to variant)
Fees & Charges of BOB One card VISA Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | 0 |
| Annual Fee | 0 |
| Forex Markup Fee | 2% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 2% |
Renewal Conditions:No annual fee; check card-specific T&Cs for milestone fee reversals.
Fee Explanation Standard bank fees apply for overdue amounts and cash advances; exact charges per transaction are per BOBCARD T&Cs.
Detailed Explanation of BOB One card VISA Credit Card Fees
Annual Fee: 0 (yearly)
Lifetime free/no annual fee for standard variants
Cash Advance Fee: 2.5% (transaction)
Minimum charge applies as per issuing bank
Lounge Access Benefits with BOB One card VISA Credit Card
domestic Lounges
silverVisits per year: 4
Guest access: No
Complimentary visits linked to variant and spends
international Lounges
silverVisits per year: 2
Guest access: Yes
Access via Priority Pass or partner network for premium variants
Insurance Coverage with BOB One card VISA Credit Card
Travel insurance
₹5,00,000On international trips for eligible variants
Purchase protection
₹50,000Within 90 days of purchase; variant dependent
Additional Features of BOB One card VISA Credit Card
Contactless Payments
Tap-and-pay enabled
Smart EMI
Instant EMI conversion at checkout
Merchant & bank approval required
Welcome Bonus with BOB One card VISA Credit Card
Welcome Bonus: 500 Reward Points
Bonus Conditions: Welcome points credited after minimum ₹5,000 spend within 60 days of card issuance; new cardholders only.
Application Process for BOB One card VISA Credit Card
Processing Time
2-7 business days
Online Application
Available
Instant Approval
Available
Step-by-Step Process
Apply online via BOBCARD portal
Complete KYC and upload documents
Receive verification call and virtual card
Physical card (if any) dispatched within standard timelines
Required Documents for BOB One card VISA Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
BOB One card VISA Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India
International Acceptance
Accepted globally where Visa is supported
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for BOB One card VISA Credit Card
Quick Eligibility Check
Minimum Age
18+
Credit Score
650+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹25,000
Minimum annual income
Self-Employed Applicants
₹35,000
Minimum annual income
Who Can Apply
Important Conditions
- Valid PAN and Aadhaar required for KYC and credit assessment.
How Approval Is Decided
- Minimum income as per variant
- Indian resident
- Credit score and bank assessment
Pros of BOB One card VISA Credit Card
- Good reward rates on dining and travel
- Contactless and instant virtual issuance
- Low or zero annual fee on base variants
Cons of BOB One card VISA Credit Card
- Premium benefits reserved for paid variants
- Partner-specific T&Cs apply for transfers and lounge access
Frequently Asked Questions about BOB One card VISA Credit Card
Is there a joining fee?
Most One variants are lifetime free; paid premium variants may have a joining fee—refer to the variant T&Cs.
How do I earn the welcome bonus?
Earn 500 reward points by spending ₹5,000 within 60 days of card issuance.
Are there lounge access benefits?
Some variants include complimentary domestic/international lounge visits based on variant and spends.
What is the forex fee?
Forex markup is typically around 2% (check exact rate for your variant).
How can I redeem reward points?
Rewards can be redeemed via the card mobile app for vouchers, statement credits or partner transfers subject to T&Cs.
What documents are required to apply?
Valid PAN, Aadhaar, address proof and income proof (if applicable) are required for KYC and eligibility.
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