Bank of Baroda Credit Cards, Loans & Savings Accounts 2026
This page brings together every Bank of Baroda product we track — 2 credit cards, 3 loans, 1 savings accounts. Use it to see how Bank of Baroda's interest rates, fees and eligibility stack up before you visit the bank's official website.
Bank of Baroda Credit cards
| Credit Cards | Annual Fee | Best For | CardKhoj rating |
|---|---|---|---|
| BoB Eterna | ₹2,499 + GST | Travel & Dining | 4.3 |
| BoB Select | ₹499 + GST | Everyday Spending | 4 |
Bank of Baroda Personal loans
Bank of Baroda Personal Loan
- Interest Rate
- 10.60% - 14.50%
- Loan Amount
- Up to ₹20,00,000
- Tenure
- 12 - 84 months
- Processing Fee
- Up to 2.00%
BoB offers special concessional rates for government employees that often undercut private banks by 1-2 percentage points. The 84-month tenure is the longest available, keeping your monthly EMIs very manageable. The BoB World app makes the entire application process fully digital from start to finish.
Bank of Baroda Home loans
Bank of Baroda Home Loan Home Loan
- Interest Rate
- 8.30% - 10.25%
- Loan Amount
- Up to ₹10 Crore
- Tenure
- Up to 30 years
- Processing Fee
- ₹8,500 (inclusive of GST)
BoB offers one of the lowest base interest rates in the entire Indian market starting at just 8.30%. No processing fee for balance transfers makes it the top choice for refinancing your existing home loan from another bank. Government employee special schemes and PMAY linkage are strong advantages for eligible borrowers.
Bank of Baroda Car loans
Bank of Baroda Car Loan
- Interest Rate
- 8.45% - 10.50%
- Loan Amount
- Up to 90% On-road
- Tenure
- 12 - 84 months
- Processing Fee
- ₹1,500 to ₹4,000
BoB offers among the lowest car loan rates in India starting at just 8.45%, often beating even SBI on price. Special concessional rates for women borrowers make it the top choice for female car buyers. No prepayment penalty on floating rate loans adds excellent flexibility.
Bank of Baroda Savings accounts
Bank of Baroda — Baroda Advantage
- Interest Rate
- 2.75% - 3.00%
- Min Balance
- ₹5,000 (Metro) / ₹2,000 (Rural)
- Best For
- Public Bank Trust
Bank of Baroda: frequently asked questions
Which is the best Bank of Baroda credit card?
Among the 2 Bank of Baroda cards we review, the BoB Eterna has our highest rating (4.3/5) and is best for travel & dining. The right card depends on your spending, so compare annual fees and reward categories before applying.
Does Bank of Baroda offer a lifetime free credit card?
None of the Bank of Baroda cards we track are lifetime free, but most offer an annual fee waiver when you reach a yearly spend target.
What is the Bank of Baroda personal loan interest rate?
Bank of Baroda personal loans are offered at 10.60% - 14.50% per annum for amounts of Up to ₹20,00,000 and tenures of 12 - 84 months. The processing fee is Up to 2.00%. Your exact rate depends on your credit score, income and employer.
What is the Bank of Baroda home loan interest rate?
Bank of Baroda Home Loan home loans are offered at 8.30% - 10.25% per annum, with tenures up to 30 years and a processing fee of ₹8,500 (inclusive of GST).
What is the Bank of Baroda car loan interest rate?
Bank of Baroda car loans are available at 8.45% - 10.50% per annum, funding up to 90% on-road price for 12 - 84 months.
What is the Bank of Baroda savings account interest rate?
The Bank of Baroda Baroda Advantage account pays 2.75% - 3.00% interest, with a minimum balance requirement of ₹5,000 (Metro) / ₹2,000 (Rural).