Bank of Baroda Unnati Credit Card Review

General Information

Rewards and Benefits

Fees and Charges

Summary

A credit card with no annual fees that is specifically designed for Indian farmers. Earn 1 Reward Point for every purchase of Rs. 100. Enjoy a lower interest rate of only 1.5% per month. Redeem Reward Points for cashback. Receive a 1% waiver on fuel surcharges for all fuel purchases.

The Bank of Baroda Unnati Credit Card is a credit card that comes with several benefits and features.

Firstly, this card has a joining fee and renewal fee of Nil, making it a cost-effective option.

It is particularly suited for shopping enthusiasts, as it offers reward points as its reward type.

With this card, you can earn 1 reward point on every spend of Rs. 100 while shopping.

However, it does not provide any benefits for movie dining, travel, domestic lounge access, international lounge access, golf, or insurance.

Furthermore, there are no charges for rewards redemption, and the card cannot be used for foreign transactions.

It also has an interest rate of 1.5% per month, which equals to 18% per annum.

It's important to note that this card cannot be used for fuel purchases or cash withdrawals.

However, it does not charge any fuel surcharge or cash advance fee.

In summary, the Bank of Baroda Unnati Credit Card is a suitable choice for those who primarily engage in shopping activities.

It offers reward points, has no fees for rewards redemption, and comes with a reasonable interest rate.

However, it should be noted that this card is not compatible with fuel purchases or cash withdrawals.