BOB Lifetime Free Credit Card Offer (Aug 2021)

By | August 14, 2021

Here’s a lovely offer on Bank of Baroda credit cards that you shouldn’t miss. You can now grab any BOB credit card as a lifetime free variant. As simple as that, here are the offer details:

Offer details

  • Offer: Get any BOB Credit Card in “lifetime free” pricing
  • Offer period: 1st – 31st Aug 2021 (likely to be extended)
  • Eligibility: For all, as per respective regular card eligibility
  • Application route: Preferably offline

I checked with the local sales guy on this offer and he says “it was there for Aug 1st week and then it got extended for another week”. And that’s likely said to convert the sale faster.

A credible source says that this offer is likely to be LIVE till month end. It can even be extended further.

If you ask me which is the best Bob credit card next to Eterna, I would say that it’s going to be BoB select credit card and that’s in our list of best credit cards for 2021 as well. 

If you’re looking for airport lounge access benefit instead of monthly rewards, then you could even consider taking BOB Premier, given that it’s going to be LTF anyway. So there is no burden on annual spend targets to keep it free.

  • Update: After the recent Select Devaluation, its better to go with BOB Premier for LTF offer.

Applying the Card

BOB has done a major upgrade to their tech recently that runs credit card operations and as a result it seems the systems are yet to be stable. One among is online application process. So applying offline is the best way to go forward, for now.

That said, not to forget that BOB ETERNA is not available now because of MasterCard ban. If you’re reading Cardexpert, you would most likely be holding ETERNA, but just incase if you’ve ignored it for any reason, this is perhaps the best time to grab one.

Also, you can apply “card to card” basis using your existing credit card. Seems this is the new improvement since past 3 months and not just that, you can also have the card without holding an a/c with Bank of Baroda.

My thoughts

It’s no doubt a wonderful signup offer on Bank of Baroda credit cards. Given that HDFC and American Express are still banned from issuing credit cards, BOB Cards are one of the best when it comes to rewards, especially the BoB Select variant is as lucrative as Amex MRCC.

However, only downside with BOBCards is its support. Even for Eterna, the support response time has increased lately (likely because many took Eterna) along with the quality of response.

Do you already hold BOB Cards or planning to grab one with the ongoing LTF offer? Feel free to share your thoughts in the comments below.

Author: Siddharth

Helping Indians to choose right credit cards, pick right offers and enjoy luxury vacations for less. Day & night exploring the spiritual reality of our human existence.

100 thoughts on “BOB Lifetime Free Credit Card Offer (Aug 2021)

  1. Sandeep

    Any way for existing card holders to convert thier cards into LTF?

    Reply
    1. Siddharth Post author

      Maybe one can close & re-open (if not Eterna). But can’t assure of anything as we don’t know how BOB handles such situations.

      Reply
      1. Manoj Singh

        If you close your card then BOB will never issue card again even after 3 months. This is their internal policy

        Reply
  2. Anadi

    How to avail this offer online? I checked their credit card pages and ltf offer is not me ntioned

    Reply
  3. Nishant

    BoB is too slow. I applied for BoB Select and after waiting for 4 months they mailed me saying your appln is rejected for some bla bla reasons. Meanwhile, instead of waiting, I went ahead and got my SC Ultimate card in 1 week, Amex card via referral scheme & citi card via referral/promotion. all these cards approved & delivered in 2 weeks flat.
    BoB is pathetic. I wonder if there is any misuse of my card and I try to block it, then God save us. Seeing the service only, I was praying for my appln to get cancelled. Better to avoid this card/bank.

    Reply
    1. Amit

      I applied 1 month back. Not even a sms/email to acknowledge. Just a CIBIL enquiry .. thats it. Email enquiry gives generic reply to wait. Typical PSU.

      Reply
  4. Manish

    Is there any specific contact number for this offer ? On BOB website I don’t see this LTF offer.

    Reply
    1. Siddharth Post author

      Branch knows the offer, unfortunately not published. Maybe they’re taking it slow.

      Reply
    1. Siddharth Post author

      Eterna might take time and LTF offer maynot last long. It’s your call!

      Reply
  5. Nitesh

    LTF pricing is only for fresh customer, not for existing customers. And, the offer is valid till 31st of March, 2022.

    Reply
  6. Anu

    i dont own one. After your post i am planning to. I am afraid that those guys on the branch with be knowing on this offer. Was this offer published on any of their website?

    Reply
    1. Junaid

      All branch credit card representatives would be aware of this offer. When I visited my branch to apply, there were two individuals as well applying under this offer.

      Reply
        1. Junaid

          It depends on what is more important to you – cashback or lounge access. The 1000 bonus points on SELECT can be easily achieved by wallet reloading. If you load an online wallet and then use it to pay for fuel it will give you 6.25% cashback assuming you load 5 x 1000 / month. On the other hand, the lounge access on PREMIER is very limiting. Website says 1/quarter, branch rep said 1/month either way it’s not good.

          Reply
          1. Anu

            Thanks. I applied for select version with card to card HFDC regalia.

  7. Ajai Singh

    It’s till Sep but was not told start or end of Sep. They want salary account statement but I am trying for C2C.

    Will update after I talk to GM.

    Reply
  8. Junaid

    I applied for BOB select card by visiting the branch, took hardly 10 mins. Also, I was able to confirm that the offer is valid till September end.

    Reply
    1. Kamal

      Hi Junaid,
      Can you please let me know the documents and steps needed for offline application?

      Reply
      1. Junaid Shaikh

        You need three things. Latest ITR, Aadhar and pan card.

        Reply
          1. Junaid Shaikh

            Yes, it will happen with all banks. No matter how you apply – online, offline, card to card, etc. New credit card applications always will follow with a CBIL hard enquiry.

  9. Vasanth

    Did loading money in Paytm wi be considered for 1000 bonus points?

    Reply
  10. Lav Kanodia

    This offer is valid throughout August and September 2021 for there Visa cards – Easy, Select and Premier.
    Confirmed via a call with their staff.

    As mastercard is banned temporarily, Eterna and collaborative cards are not available for issue.

    Hope this helps cardexperts readers to choose whether or not to apply accordingly.

    Reply
    1. Rohan Bhoi

      Is there any minimum eligibility requirement for the cards ? like minimum ITR/Salary…

      Reply
  11. manoj singh

    Offer is for one year as per discussion with cred card representative in Bob bank itself. But it’s for new customer only

    Reply
  12. Praveen Katiyar

    After Amex launched offer of bonus 1000 MR points on monthly cumulative spends of more than 20,000 rupees, it will be another challenge to hold BoB select for wallet reload only.
    I hold Amex MRCC, will give it a pass.

    Reply
  13. Ashutosh

    BOB Financial has worst customer support. My emails and escalations all the way upto their nodal officer are neither acknowledged nor responded despite multiple follow-ups in last 1 month.

    Further BOB Financial is not a bank and has there is a totally different process for RBI ombudsman.

    It is best to take credit card from proper bank or Amex which has high standards of customer service

    Reply
    1. Seetha Raman V

      I too am suffering with the pathetic customer support of BoB Financials. and, everytime you send an email reminder to them about an issue for which a ticket is already assigned, a new ticket number gets automatically assigned with no clue of what is the status of the previous ticket numbers. BoB Select is a good variant, but their customer service simply sucks!

      Reply
    2. Raman

      Same case here.. I have sent at least 10 emails from June 2021 to waive/reverse the joining fee, even escalated to their nodal officer.. Still unresolved after two months.. absolutely pathetic cust care they have..

      Reply
  14. Nilesh

    I hold the BOB Select ICAI variant, and have been using it only on online transactions of 1000, 5 times a month to maximise the reward points. But every month I have to reach out to the customer care as their rewards systems consider a variety of online merchants as offline, resulting in mismatch of reward points calculations.
    Earlier they used to respond & add the reward points, but now they have even stopped responding. I am thinking of closing it down or stop using it now.

    Reply
  15. Pranav

    Some saying this is till March 2022 some saying it’s till sep end pls someone confirm from a head of cc till when this offer is.

    Reply
    1. Siddharth Post author

      Current month is the safe bet. They can revoke such offers anytime based on volume or just incase if pandemic situation gets better.

      Reply
  16. Jai

    Will the card application lead to a hard credit enquiry? I recently applied for another card, and don’t want my application for this one rejected if they see the recent hard enquiry

    Reply
    1. Siddharth Post author

      Will the card application lead to a hard credit enquiry?
      – Which credit card does it without?

      Reply
        1. S R

          You’re Wrong !!!!!!! They do !! They did with my application and said I need to wait for their card !!

          I have a very old relationship with IDFC First, a savings account with a high 6 digit balance, Personal Loans, multiple Consumer Loans worth lakhs (All paid off in ‘FULL’ without a single EMI Bounce) and a high credit score !!

          They did a hard enquiry and put me on a waitlist !!! Emailed the Principle Nodal Officer and got a call back saying that they are unable to issue a card to me for now due to “Internal Guidelines”. Pathetic to say the least !!

          Reply
  17. Utkarsh Agarwal

    Does bob issuing cards to non-account holders self employed too?

    Reply
  18. Rohit Bahl

    Hi Siddharth,
    In BoB, is there any card which is LTF? If so, which is the one worth taking? .

    Reply
      1. Rohit Bahl

        Hi Siddharth,
        Went through your article, It flashes- BOB Lifetime Free Credit Card Offer (Aug 2021) But after checking the details it seems like spend based reversals and not LTF’s on all variants.

        Reply
        1. Siddharth Post author

          That’s there all the time. This is pure LTF though.

          Reply
  19. DEEPAK KUMAR SHARMA

    Irony with most PSBs is the ‘Ignorance’. I visited branch and they said, Credit card can not be issued to non account holder of BOB also Card to Card basis application is also not possible (an user in the review of this card has already confirmed.) . Had to face similar ignorance when got my wife’s account transferred to their branch, and they had no idea how to proceed with that application and returned me initially. It was later resolved only after follow up from last branch.

    Reply
    1. Sandeep Agarwal

      Since BOB Financial is separate company, don’t rely on bank officials. They are not very keen to attend CC queries better Ask for Bob fin executive and if not satisfied, do ask the executive that you want to speak with his team leader/ supervisor. Furthermore this ignorance issue is not isolated to psu banks similar things happen in pvt banks too. It just depends on your luck that whom do you find on the other side of the table on that day and how keen that guy is to get business from you. Rules like only for SB account holders etc are made to broken…..depending on who is pushing and to what extent.

      Reply
      1. DEEPAK KUMAR SHARMA

        Ended up applying online, even e-sign feature didn’t work in process. Let’s see What’s next..

        Reply
          1. Kamal

            I have just applied ONLINE for BOB Premier card.
            It still showed 1000rs + tax as fee without this offer. I went ahead to take my chances after seeing their Facebook post in official page on Aug 12-13

            Luckily , online e-signing feature worked for me and I have submitted docs online. Have also mailed customer service to check whether my application comes under the ongoing offer.

            Will update comments as it moves.

            Thanks Sid for this post

  20. Ajai Singh

    For self employed they are asking to open A/C with BoB. I had given them ITR, Aadhar, 6 months bank statement and pan card but they said for self employed people I would have to open an account with BoB.

    In the end told them to open an SA account and process the SELECT.

    Reply
  21. Mahesh S. Panicker

    BOB is the only public sector bank other than SBI worth even talking about in the credit card department. But their customer service is typical public sector, utterly irresponsive/irresponsible. Was interested in BOB Eterna as it is a premium card with good benefits. But the online application process was disfunctional and gave up. Would have given it a go this time, had Eterna been available even if that meant locating and then going to a branch.

    Reply
  22. Sharvan Kumar

    I have IndusInd Platinum Aura Edge Credit Card. I think its one of the most basic cards of IndusInd. The card is lifetime free I guess because they have not charged my anything till date. Now PaisaBazaar is offering me IndusInd Platinum card with Rs. 500 Amazon voucher. I tried searching but couldn’t find any useful difference between Platinum Aura Edge and Platinum Credit Cards of IndusInd. So please tell me if its Ok to this new Platinum Credit Card from IndusInd via PaisaBazaar just for the sake of an Amazon voucher. Thanks.

    Reply
  23. Piyush

    Any chance to get it on card to card basis ..I have already HDFC card and don’t have ITR

    Reply
    1. Siddharth Post author

      Didn’t you find this info in the article content?

      Reply
    2. Junaid

      Card to card is allowed. Card just needs to be at least 2 years old.

      Reply
  24. Darshdeep Singh Grewal

    Card to Card and without Savings Account is not allowed in several cities like mine (Ludhiana). Even some smaller cities (Jalandhar & Amritsar) are allowed to have card on card but they not opened card on card basis for Ludhiana which is the largest city north of Delhi. Card on Card is only allowed as a special permission case in Eterna with previous card limit above 2 lac.

    Reply
    1. Dhayapule

      I applied in card to card basis, accepted by branch manager, let us see how the things move here after

      Reply
  25. Aravind

    Been to the bank, and they denied card to card is not possible . I have opened them cardexpert website and asked them to read it. And they called someone to confirm it . And agreed card to card is possible, and Lifetime FREE OFFER IS RUNNING FOR MORE THAN 2 MONTHS!

    Reply
    1. Anu

      Is there any progress on card application.. Mine applied on 12th and not even application number received.

      Reply
  26. Sharvintej

    Applied online on 16/08/2021 for BOB select card and completed e-signing docs. Still showing 750s + tax as fee without LTF offer. Got link for online video KYC on 18/08/2021 and completed.

    Reply
  27. Fahd

    Applied online .. unfortunately the website doesn’t mention LTF…tried checking with BoB financial team on social media and they haven’t confirmed or denied on the LTF pricing..intend to call customer care and verify or else cancel application

    Reply
  28. Fahd

    BOB Financial confirmed that card is LTF if applied through link given on their Facebook post.

    Reply
      1. Bixapathi

        Search “Bank of Baroda credit card” on facebook. You’ll find a pinned post on their page. Apply from the link given there.

        Reply
  29. Bixapathi

    Applied online today. It was showing joining and annual fee though. But as Mr. Fahd said, I went ahead and applied.

    Anybody got the card approved/delivered? How about the mention of charges in the enclosed documents?

    Thanks Sid for the post.

    Reply
    1. Kinshul

      i have also applied via link provided on the facebook page but joining fees is still reflecting in the unbilled amount.

      Reply
      1. Bixapathi

        Did you contact them regarding levy of joining fee? If yes, What is the response?

        Reply
      2. Fahd

        I have it on Facebook messenger chat (so its in writing) that cards applied through facebook link are LTF and had specifically checked against my application number that my card will be LTF.

        Had received message for card approval on the 24th…havent received card so have not been able to login and see details of whether fees is being levied

        Reply
        1. Bixapathi

          I too asked them on FB chat and they said it’ll be LTF. Hope did you check LTF status against you application number?

          Reply
          1. Bixapathi

            How did you check LTF status against your application number?

          2. Fahd

            I shared my application number on Facebook chat and asked them to confirm whether it was LTF or not

  30. Fahd

    Received card today and logged in..fees is in unbilled.. will need to chase BoB Financial

    Reply
    1. Bixapathi

      Please keep us posted about the process and outcome of your chase.

      Reply
    2. Kamal

      I had applied online , done VKYC . After that no progress.
      Shared my details in FB chat and they gave template reply of will get back to you soon.
      I wish they lose the application if they gonna charge 😜

      But Fahd, please help the forum by posting on how this moves .

      Reply
      1. Joydeep

        Did they accept your application did vkyc on 25th still no update

        Reply
        1. Kamal

          My Vkyc was done on Aug 19 and I checked today Aug 31 and see this message

          Dear Customer , your application no. XXXXXX for Bank of Baroda Credit Card is approved. It will be dispatched in the next 5 working days.

          Am not sure whether it will be LTF. BOB cards header now says Online application is LTF. But BOB FB team isn’t confirming this against my application number

          Let me wait and see what’s going to happen and I will post my update here.

          Reply
  31. Fahd

    I had posted my query on facebook chat..received call today from their executive who checked and told me that my card is a paid one..told her that they have given it in writing with details of date /time when they had confirmed ..she checked again and asked me to send a screenshot of the same to them after which she has promised that the card will be made LTF..have done what’s required at my end..waiting for confirmation from BoB financial now

    Reply
    1. Fahd

      Have Received fee reversal of Rs 1000 but the Rs 180 of GST is still there..trying to get that reversed but will not chase much if they dont do it. Have already spend enough time and mental bandwidth on it

      Reply
      1. Bixapathi

        I received my BOB premier card today. Rs. 1000 reversed for me also and unbilled usage amount is shown as Rs. 180.
        Called their CC regarding this but as already told by everyone in earlier comments, their CC is below par. He was telling that the spend limits of 10k and 120k are still applicable to waive joining and annual fee. If that is the case why would they have reversed Rs. 1000?
        And is it that the billing date for every BOB card is 1st of every month?

        Reply
        1. Bixapathi

          I asked them on FB chat to reverse GST amount. They said it will be done. Today when I checked the Unbilled, it shows a credit of 1000 more. Now the balance is -820.🤑😁

          Reply
  32. Sunny

    It was showing LTF when I had applied online but in the e-form, the fees was mentioned (which I thought might be old copy). Given the comments above I have not done V-KYC as don’t want to run run after them for reversal if they charge.

    Reply
    1. Niju

      Just got a confirmation from BOBFinancial through FB messenger that all card applications from 1st August would be considered as LTF.

      This could be due to the Devaluation that’s to be effective 15th September and they wanted to still go through with issuing the cards which are not that lucrative anymore.

      Reply
  33. Kinshul Pahwa

    My joining fees is also got reversed for my bob select card (including gst)

    Reply
  34. Fahd

    What is the experience in paying BOB card bill through cred? Have made a payment but it is not reflecting in my BOB account? Does anybody have any similar experience and in that case how was the problem solved?

    Reply
    1. Kinshul

      i have made the payment via NEFT on 02 september and its still not updated 😅

      Reply
  35. Ranjan Ladani

    For me, Offline application is not an option.

    Is it possible to apply online on ‘Card to Card’ basis ? Can someone please share the relevant experience ?

    Reply
  36. Bala

    Siddharth.. Are these a truly LTF cards, applied and got the Premier card only because it was LTF, but the welcome kit mentions minimum spends for getting joining fee reversed, is it because of it being a standard template?

    Reply
    1. Siddharth Post author

      Those are old kits which you may ignore. All newly issued card as of now are LTF lately as confirmed by some.

      Reply
  37. Rajesh Kumar

    I have applied for the lifetime free card Easy card on 30.08.2021, VKYC on 01.09.2021. Received message of card approval on 11.09.2021. The status till date is “application approved, card shall be despatched within 5 working days”. How many days’ shall it take.

    Reply
  38. Niju

    My Card was approved on 30thAugust but still not dispatched.

    The CC is clueless on what’s the status as even after several followups no details on Card dispatch were updated

    Reply
      1. Niju

        After several back and forth with the BOB CC team, I have got the Bluedart Tracking number not just 1 but 3 different ones 🙂

        I think pushing the CC Team would enable us to get multiple cards or atleast card delivery Tracking details

        Reply
  39. amit singh

    I have premium credit card like HDFC infinia with over 9 lac limit despite that I applied for LTF BOB Premier Visa signature card. Got the approval and card delivered in 2 weeks. Ironically they delivered the Select visa platinum variant with a limit of 25000 only. Not sure what to do. Should I call customer care to upgrade it or close it or just leave this card as it is. Dont know why did I even applied in first place. This card has nothing to offer apart from just LTF.

    Reply
    1. Sanjeet Verma

      Same with me. I got Select Variant instead of Premier and meager limit of Rs. 80,000/-.Very disappointed.

      Reply

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