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Are you someone who wants to have a credit card in your wallet but do not have a credible income proof which could back up your candidature? You donu2019t need to worry a bit because even if you do not have a credible income proof, thereu2019s a way by which you can get your hands on the credit card. Bank of Baroda is currently the third-largest public sector bank in the country that provides a range of banking products of which credit card is one of the prominent ones.
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Get Bank of Baroda Credit Card Against FD without any worry! Are you someone who wants to have a credit card in your wallet but do not have a credible income proof which could back up your candidature? You don’t need to worry a bit because even if you do not have a credible income proof, there’s a way by which you can get your hands on the credit card. Bank of Baroda is currently the third-largest public sector bank in the country that provides a range of banking products of which credit card is one of the prominent ones. There’s a credit card provided by Bank of Baroda named ‘Assure’ credit card which can be issued by having a fixed deposit in the bank. This Bank of Baroda credit card against FD is nothing short of a major relief for those individuals who don’t have any kind of income proof to show. The fixed deposit amount will be decided by the bank according to your repayment capability. By getting this Bank of Baroda credit card against FD, you can subsequently build your credit score which will help you in getting credit facilities later. There are many other features of this credit card which makes it one of the best credit cards that you can get without any income proof. You can know about them in a detailed way through this article. So, just read on! What are some of the amazing features and benefits of the Bank of Baroda Assure Credit Card? ● You get a guaranteed issuance with this Bank of Baroda credit card against FD because this FD acts as security. Generally, your income proof acts as the security but since you do not have it, this FD will act as a one. ● If you’re facing an emergency, you can withdraw cash upto the 100% limit of your credit limit. ● Your credit limit will also be defined by the amount of fixed deposit opened by you. ● For all transactions between INR 400 to INR 5,000 made by you at fuel stations, you will not have to pay a 1% fuel surcharge. ● If you spend INR 6,000 within the 60 days of card issuance and INR 35,000 within one year, your annual fee will be reversed. ● You can earn reward points on making spends with your Bank of Baroda credit card against FD. These reward points can be redeemed against cashback and other amazing options according to your choice. ● If you make any purchases above the value of INR 2,500 and want to pay it into easy EMIs of 6 or 12 months, you can do it in a few easy steps. ● In the case of a lost or stolen card, if you report about it immediately, you won’t be liable for any kind of fraudulent transactions. ● You will also get the revolving credit facility on your credit card. Just pay the minimum amount on the billing date and pay the remaining amount later with the minimum interest rate charged. Totally Free Add-on Card: With the Bank of Baroda credit card against FD, you will get upto 3 complimentary cards for immediate family members above the age of 18. What are the Fees on this card? Bank of Baroda has fixed both the joining and annual fee as INR 500 which can be waived off by spending a certain amount. How can you apply for the Bank of Baroda Assure Credit Card? You can apply for this credit card by sending an SMS ‘Apply (space) Your City’ to 9223996024. After this, the representatives from the bank will contact you regarding your application.