BOB Credit Card: Login, Apply, Check Status & Customer Care (2026 Guide)

Bank of Baroda (BOB) credit cards are issued and serviced by BOBCARD Ltd (formerly BOB Financial). Whether you want to log in to your BOB card account, apply for a new card, check your application status, or reach customer care, this guide walks you through each step — and shows you how to instantly make sense of your BOB credit card statement once it arrives.

How to log in to your BOB credit card account

You can manage your Bank of Baroda credit card online or through the mobile app. To log in:

1. Go to the official BOBCARD portal at bobcard.co.in (or open the BOBCARD mobile app).
2. Click ‘Login’ and choose ‘Cardholder Login’.
3. Enter your registered mobile number or card number and your password / OTP.
4. First-time users can click ‘Register’ to set up online access using their card number and registered mobile.

How to apply for a BOB credit card

1. Visit bobcard.co.in and open the ‘Cards’ section to compare cards.
2. Pick a card that fits your spending (lifestyle, fuel, travel, or premium).
3. Click ‘Apply Now’ and fill in your PAN, Aadhaar/KYC, income and contact details.
4. Complete KYC (often via Aadhaar OTP) and submit. Existing Bank of Baroda customers may get a pre-approved offer with faster approval.

How to check your BOB credit card application status

After you apply, you can track your BOB credit card status online:

• Go to bobcard.co.in and look for ‘Track Application’.
• Enter your application reference number and registered mobile number.
• You can also call BOBCARD customer care (below) to ask for a status update.

BOB Eterna credit card

The BOB Eterna is one of Bank of Baroda’s most popular premium cards. It’s positioned as a rewards-and-lifestyle card with accelerated reward points on online spends, travel and dining, plus complimentary lounge access on eligible spends. Always check the current fees, reward rates and welcome benefits on the official BOBCARD page before applying, as terms change.

BOB credit card customer care

The most reliable number is the one printed on the back of your card and on your statement. For reference, BOBCARD’s commonly published 24x7 credit card helpline is:

How to read your BOB credit card statement

Your BOB statement shows your total amount due, minimum amount due, payment due date, finance/interest charges, GST, and a list of transactions. The two numbers that matter most are the total amount due (pay this in full to stay interest-free) and the due date. Paying only the minimum keeps your card active but charges interest on the rest. LabhPay reads all of this automatically and tells you exactly what each charge is costing you.