Bank of Baroda has launched an attractive limited-time offer on its credit cards: customers can apply for select BOB credit cards with a lifetime free (LTF) fee. This is a timely opportunity if you’ve been considering a BOB card, as it removes the burden of annual fees for qualifying cards.
Offer details
- Offer: Any eligible BOB credit card available as lifetime free
- Offer period: 1st – 31st Aug 2021 (may be extended)
- Eligibility: Open to applicants who meet the standard eligibility criteria for each card
- Application route: Prefer offline application for now
Local sales contacts indicate the promotion started in early August and was extended once already. Reliable sources suggest it may remain active through the end of the month and could be extended further depending on demand.
Among the BOB lineup, besides the ETERNA card, the BoB Select credit card stands out for rewards and overall value. It also appears on lists of top credit cards for 2021. If you prefer airport lounge access over monthly reward points, the BOB Premier card is an excellent choice—especially with the lifetime free pricing, which removes any pressure to meet annual spending targets to retain fee waivers.
- Update: Following a recent change to the Select card’s monthly bonus structure, the BOB Premier card may now be the better LTF option.
Applying the Card
BOB recently upgraded the technology that supports its credit card operations. While this should improve processes long-term, some parts of the system—particularly online applications—are still stabilizing. For a smoother experience today, applying offline through a branch or through a bank representative is recommended.
Note that the BOB ETERNA card may not be available at times due to broader ecosystem issues affecting card issuance. If you don’t already hold an ETERNA card, this promotion could be a good moment to consider it when it’s available again.
Another useful option now supported by BOB is card-to-card applications: applicants can use an existing credit card to apply for a new BOB card. This improvement also allows customers to obtain a BOB credit card even without holding a savings account with the bank.
My thoughts
This is a strong signup opportunity from Bank of Baroda. With a few issuers still restricted from launching new cards, BOB’s credit cards are among the better available options for rewards and benefits. The BoB Select in particular has offered competitive value comparable to some premium reward cards.
The main caveat remains customer support. Response times and service quality have slipped recently, likely due to increased demand from popular cards such as ETERNA. Prospective applicants should weigh the benefits against possible delays in service.
Do you already hold a BOB credit card or are you planning to apply while the lifetime free offer is running? Share your experience or plans in the comments below.