Bank of Baroda Credit Cards offer you the convenience of Easy EMI (Easy Monthly Instalments). Using the Easy EMI options, you can purchase a wide range of products and services, and pay back in easy monthly instalments.
You can select from the following 3 Easy EMI options:
Using the Post Purchase EMI option, you can convert any retail transaction on your Bank of Baroda Credit Card into EMIs.
Converting transactions to EMIs is really simple. Just choose any transaction (except gold, jewellery, cash and fuel) of Rs. 2500 and above and request for conversion into 6 or 12 EMIs at a special rate of interest of just 1.5% per month. Just ensure to request before the transaction is billed in your Credit Card statement.
Requesting is really simple. Just send an email to firstname.lastname@example.org, with details of the transaction you want to convert to EMIs, and your choice of tenure (6 or 12 months). You can check unbilled transaction details by logging in to your Bank of Baroda Credit Card account from our website, www.bobfinancial.com
A processing fee, currently 2% of the transaction amount (subject to a minimum of Rs. 100) will be charged. For detailed Terms & Conditions for Post Purchase EMI, please Click Here.
Instant EMI makes purchasing on EMI even simpler. With Instant EMI, you do not need to first purchase and then request for conversion to EMIs. Bank of Baroda has tied up with thousands of merchants across the country, to offer you the convenience of EMIs right at the merchant outlet.
Now you can purchase your favourite Smartphone, the latest Television set, Air Conditioners, other household appliances, furniture and many other products and services, without worrying about paying the entire transaction amount in your next Credit Card bill.
Availing Instant EMI is very simple. Just ask the merchant for EMI options available on Bank of Baroda Credit Cards. The merchant may offer tenure options from 3 to 24 months. The rates of interest will range from 13% to 15% per annum, depending on the tenure. A processing fee may or may not be applicable.
After checking the available options and terms, just choose the tenure, and ask the cashier to charge your Bank of Baroda Credit Card for the same. You will get a charge slip (receipt of your Credit Card transaction) with details of the transaction including tenure of the EMI, rate of interest and monthly instalment amount.
For list of merchants offering Instant EMI, please Click Here
What could be better than Instant EMI? An option where you can avail Instant EMI at No or low interest cost.
Well-known brands offer No or low cost options occasionally, as part of new product launches or seasonal promotions. While we will inform you about such promotions, you may also check for currently active promotions when you visit a merchant outlet (offering Instant EMI on Bank of Baroda Credit Cards) to purchase your favourite product.
Please check for the options available, as they may be offered only for certain tenure options and/or only for certain products/models.
Details of the offer will be mentioned on the charge slip (receipt of your Credit Card transaction)
Terms & Conditions for Post Purchase EMI