Bank of Baroda
Gold · Assure
Bank of Baroda Assure Credit Card
Bank of Baroda
2 RP per ₹100 with complimentary insurance benefits
Annual Fee
₹500
Joining Fee
₹500
Reward Rate
0.5%
Forex Markup
3.5%
Value Analysis
Annual Net Value
₹2,910
Total Annual Benefits
₹3,500
Total Annual Charges
₹590
ROI
593%
Fee Waiver Available
Annual fee waived on spending ₹50,000 in the preceding year — ₹50,000 annual spend
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
Benefits & Perks
Reward Points (1)
2 RP per ₹100 on All Spends
Earn 2 reward points per ₹100 on all retail purchases
- • Excludes fuel, EMI, cash advances
2 RP per ₹100
Insurance Coverage (2)
Personal Accident Insurance
Complimentary personal accident insurance cover of ₹10 Lakh
- • Active card required
- • Covers accidental death and disability
₹10 Lakh cover
₹2,000/yr
Purchase Protection
Purchase protection cover for items bought using the card
- • Valid for 90 days from date of purchase
- • Covers theft and accidental damage
₹50,000 cover
₹1,000/yr
Fuel Benefits (1)
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹400–₹4,000
- • Valid on transactions ₹400–₹4,000
- • Max ₹250 per cycle
1% waiver
₹3,000/yr
Reward Program
Program
BOB Reward Points
2 RP per ₹100
Effective cashback: 0.50%
Points expire: 2 years from date of accrual
Redemption Options
- → Products & vouchers from rewards catalogue
- → Statement credit
- → Air miles
Milestone Bonuses
500 bonus points on spending ₹50,000 annually
Spend ₹50,000 annually
500 Reward Points
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | ₹500 Excluding GST |
| Annual Fee | ₹500 Excluding GST |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 3.5%
- Interest Rate (Monthly)
- 3.5%
- Late Payment Fee
- ₹1,000
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- ₹20
- Other Bank Withdrawal
- ₹20
- Intl. Withdrawal Fee
- 2.5% + ₹125
Fuel Surcharge Waiver
1% waiver on transactions between ₹400 – ₹4,000. Max waiver: ₹250/cycle.
Eligibility
Requirements
- Min. Monthly Income
- ₹18,000
- Min. Annual Income
- ₹2,00,000
- Min. Credit Score
- 680
- Age Range
- 21 – 65 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Min gross monthly income ₹18,000
- • Self-Employed: Min ITR ₹2 Lakh p.a.
Insurance Coverage
Accidental Death
₹10.0 L
Permanent Disability
₹10.0 L
Lost Card Liability
₹2.5 L
Report within 48h
Purchase Protection
₹50,000
90 days
- • Personal accident cover: ₹10 Lakh
- • Purchase protection: ₹50,000 for 90 days
- • Lost card liability: ₹2.5 Lakh
Airport Lounge Access
Domestic
0 visits/year
Not included
International
0 visits/year
Not included
- • Lounge access not included with this card
Transaction Limits
ATM Withdrawal / Day
₹25,000
POS & E-Commerce / Day
₹1,25,000
Contactless / Txn
₹2,000
Features
Contactless payments EMV chip security Domestic usage Add-on cards available EMI conversion facility Personal accident insurance Purchase protection Net banking & mobile app
EMI Options
Min. Transaction
₹2,500
Interest / Month
1.5%
Tenure Options
3, 6, 9, 12 months
Processing Fee
1%
Ready to Apply?
The BOB Assure Credit Card offers 2 reward points per ₹100 on all spends along with complimentary insurance coverage including personal accident insur...
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