BOB Unnati VISA Credit Card
Bank of Baroda
Last updated: Feb 03, 2026
₹0
₹0
Free
No lounge access
Contents
BOB Unnati VISA Credit Card is a lifetime free credit card created specially for Indian farmers and agri-entrepreneurs. It combines simple, flat rewards on everyday farm and household spends with a significantly lower interest rate than most regular credit cards. The card runs on the Visa network and works in a closed-loop ecosystem at partner agricultural input shops, helping farmers access seeds, fertilisers and supplies on time. With straightforward features, fuel surcharge waiver and easy EMI conversion, it is a practical tool for managing seasonal cash flows while building a positive credit history.
Features of BOB Unnati VISA Credit Card which makes it unique
Farmer-Focused Credit Line
Credit line designed around agricultural input purchases and seasonal cash flows.
Helps farmers buy seeds, fertilisers and other inputs on time without taking informal high-cost loans.
Specially tailored for farmers compared to generic entry-level credit cards.
Low Interest Rate
Interest rate around 1.5% per month on unpaid balances, lower than many standard credit cards.
Reduces overall finance cost when you carry a balance.
Lower than typical 3–3.5% per month charged by many other cards.
Rewards Structure of BOB Unnati VISA Credit Card
Base Spending
baseAll eligible retail spends including farm inputs, groceries, utilities and everyday household expenses.
Reward Points can be redeemed against cashback or other options provided by Bank of Baroda.
Milestones of BOB Unnati VISA Credit Card
No Spend-Based Milestone Benefits
: The BOB Unnati VISA Credit Card does not currently offer separate milestone rewards. The main benefit is the low interest rate and simple rewards structure.
Fees & Charges of BOB Unnati VISA Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | 0 |
| Annual Fee | 0 |
| Forex Markup Fee | 0 |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | 3% |
| Returned Payment Fee | 2% |
| Cash Withdrawal Fee | 3% |
Renewal Conditions:Lifetime free credit card with no annual or renewal fee, as long as you follow Bank of Baroda’s standard usage terms.
Fee Explanation The BOB Unnati VISA Credit Card is lifetime free with no joining or annual fee. Cash advances generally attract a 2.5% transaction fee (minimum ₹500) and finance charges from the date of withdrawal. Late payment fees are slab-based (₹100–₹1,300) depending on the outstanding balance, as per Bank of Baroda’s latest fee schedule. Unnati cards do not permit international transactions, so forex mark-up is not applicable. Always refer to the latest Bank of Baroda fee schedule before using the card for cash withdrawals or high-value spends.
Detailed Explanation of BOB Unnati VISA Credit Card Fees
Annual Fee: 0 (yearly)
Lifetime free; no annual fee currently applicable.
Joining Fee: 0 (once)
No joining fee; subject to change as per Bank of Baroda policy.
Cash Advance Fee: 2.5% of amount (min ₹500) (transaction)
Applicable on every cash withdrawal. Interest charges start from the date of withdrawal.
Late Payment Fee: ₹100–₹1,300 (statement cycle)
Slab-based as per outstanding balance; no fee if total due is below ₹100.
Overlimit Fee: 2.5% of over-limit amount (min ₹600) (statement cycle)
Charged when the outstanding amount exceeds the assigned credit limit.
Lounge Access Benefits with BOB Unnati VISA Credit Card
domestic Lounges
silverVisits per year: 0
Guest access: No
This card does not provide complimentary domestic airport lounge access.
international Lounges
silverVisits per year: 0
Guest access: No
Unnati cards are not enabled for international usage; no international lounge access is available.
Insurance Coverage with BOB Unnati VISA Credit Card
Card Liability Protection
As per Bank of Baroda credit card policyLimited liability on lost or stolen card when loss is reported promptly to Bank of Baroda as per terms and conditions.
Purchase Protection
As per Bank of Baroda programmeSelect purchases may be covered against damage or loss for a limited period, if such a benefit is active on the card at the time of transaction.
Additional Features of BOB Unnati VISA Credit Card
Contactless Payments
Tap-and-pay enabled on compatible POS terminals using Visa contactless technology.
Per-transaction limits apply as per RBI and Bank of Baroda guidelines.
Easy EMI Conversion
Eligible purchases can be converted into EMIs for easier repayment.
Minimum transaction amount and processing fee apply; tenure and rate as per bank offer.
Add-On Cards
Add-on cards available for eligible family members to share the same limit.
KYC and eligibility conditions apply to add-on holders.
Lifetime Free Card
No joining or annual fee on the BOB Unnati VISA Credit Card.
Fee structure is subject to change; check latest schedule before applying.
Welcome Bonus with BOB Unnati VISA Credit Card
Welcome Bonus: lifetime free
Bonus Conditions: Bank of Baroda does not currently offer a separate joining or welcome bonus on the BOB Unnati VISA Credit Card. Benefits are focused on ongoing rewards, low interest rate and fuel surcharge waiver.
Application Process for BOB Unnati VISA Credit Card
Processing Time
5–7 working days after successful verification
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Visit the official BoB Financial or Bank of Baroda website and search for the BOB Unnati Credit Card.
Click on the Apply Now button and fill in your basic personal, contact and farming-related details.
Upload KYC documents, proof of address and proof of your eligibility as a farmer or FPO member, as requested.
Submit the form and wait for a verification call or field verification by Bank of Baroda or its partner.
Upon approval, the card is generated and dispatched to your registered address, typically within 5–7 working days.
Required Documents for BOB Unnati VISA Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Farmer / FPO Eligibility Proof
farmer and FPO membersAccepted documents:
BOB Unnati VISA Credit Card Merchant Acceptance Network
Domestic Acceptance
Accepted at partner agricultural input shops, select merchants and most Visa-enabled POS terminals within India, subject to the card’s closed-loop configuration.
International Acceptance
Not enabled for international transactions; the card is intended for domestic use only.
Online Acceptance
Limited online acceptance depending on merchant and programme configuration; primarily designed for offline POS transactions at partner outlets.
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for BOB Unnati VISA Credit Card
Quick Eligibility Check
Minimum Age
18+
Credit Score
0+
Citizenship
Indian residents only; primarily designed for eligible farmers and agriculturists.
Income Requirements
Salaried Applicants
₹0
Minimum annual income
Self-Employed Applicants
₹0
Minimum annual income
Who Can Apply
Important Conditions
- Applicant must be an Indian resident associated with a Farmer Producer Organisation (FPO) or eligible agricultural programme as defined by Bank of Baroda and CreditAI. The credit limit is typically linked to farming activity and internal bank assessment rather than a fixed salary requirement. Suitable for new-to-credit customers as well.
How Approval Is Decided
- Indian resident associated with farming or an eligible Farmer Producer Organisation (FPO).
- Satisfactory internal credit and risk assessment by Bank of Baroda.
- Clean KYC and document verification as per RBI and bank norms.
Pros of BOB Unnati VISA Credit Card
- Lifetime free card with no annual or renewal charges.
- Low interest rate of around 1.5% per month on unpaid balances compared to typical market rates.
- Simple 1 Reward Point per ₹100 on most spends, easy to track and redeem.
- Designed to help farmers access credit for agricultural inputs in a timely way.
- Fuel surcharge waiver on eligible fuel transactions.
Cons of BOB Unnati VISA Credit Card
- No complimentary airport lounge access or premium travel benefits.
- No separate welcome bonus or milestone rewards.
- Card is primarily targeted at farmers and may not be available to all customers.
- Unnati cards are not enabled for international transactions, so you cannot use this card abroad.
- Rewards earn rate is modest compared to premium and co-branded shopping cards.
Frequently Asked Questions about BOB Unnati VISA Credit Card
Who is eligible for the BOB Unnati VISA Credit Card?
The BOB Unnati VISA Credit Card is primarily designed for Indian farmers and agri-entrepreneurs associated with eligible Farmer Producer Organisations (FPOs) or agricultural programmes supported by Bank of Baroda and its partners. You must be an Indian resident and meet the bank’s internal credit assessment criteria.
Is the BOB Unnati VISA Credit Card really lifetime free?
Yes. As per current Bank of Baroda disclosures, the Unnati credit card is a lifetime free card with no joining or annual fee. However, transactional charges like cash advance fees, late payment fees and taxes still apply, so you should always check the latest fee schedule before applying.
What rewards can I earn on the BOB Unnati VISA Credit Card?
You earn 1 Reward Point for every ₹100 spent on most eligible purchases, including agricultural inputs, groceries, utilities and other everyday expenses. Reward Points can be redeemed for cashback or other options offered by Bank of Baroda, subject to the bank’s current redemption rules and caps.
Can I use the BOB Unnati VISA Credit Card for international transactions?
No. Current guidelines indicate that Unnati cards are intended for domestic use only and are not enabled for international transactions. If you need to spend abroad or make foreign-currency online payments, you should apply for another Bank of Baroda card that supports international usage.
Does the BOB Unnati VISA Credit Card offer airport lounge access?
No. The BOB Unnati VISA Credit Card is a basic lifetime free credit card without complimentary domestic or international airport lounge access. It is focused on affordability, farm-related spending and low interest rates rather than premium travel benefits.
What is the interest rate on the BOB Unnati VISA Credit Card?
The Bank of Baroda Unnati Credit Card typically carries an interest rate of around 1.5% per month (about 18% per annum) on unpaid balances, which is lower than the 3–3.5% per month charged on many other cards. Always check the latest interest rate on the official Bank of Baroda or BoB Financial website before applying.
How can I pay my BOB Unnati VISA Credit Card bill?
You can pay your BOB Unnati VISA Credit Card bill through BoB’s net banking, the BOBCARD app, NEFT or RTGS, UPI apps and digital wallets such as Google Pay, PhonePe and Paytm, or by cash and cheque at select Bank of Baroda branches. Ensure that you pay at least the minimum amount due on or before the due date to avoid late payment charges.
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