Bank of Baroda Credit Card Bill payment - Pay Online & Offline

Once you make purchases using your BOB FINANCIAL credit card, you have got to pay the used amount back to the bank. This must be done once your BOB FINANCIAL credit card statement is generated for a particular period.  BOB FINANCIAL credit card offers over a few of ways, each online and offline, to pay your credit card bill quickly and conveniently. each method features a totally different payment processing time, that you need to be aware before initiating credit card bill payment.


Payment Method

These are the widely used methods for online payment of credit card bill. You can follow the underwritten steps for making the payment.

  • Internet Banking

Processing time- Instantly

  • Login to your net banking portal using your registered customer ID and password
  • Hit on the ‘Insta-Pay’ link
  • Enter the Bobcard Credit Card Number and reenter it to confirm
  • Enter CAPTCHA
  • Proceed in order to confirm to verify the card holder’s Name
  • Select the amount you want to pay- total outstanding or minimum amount due, else enter a preferred amount
  • Select any Bank to initiate the payment- Options to use are ‘Bank of Baroda Net-Banking’ or ‘Other Bank Net-Banking’
  • Once you click on pay, the amount will be deducted from your account and upon successful completion of the transaction, you’ll receive the payment confirmation and a receipt
  • Payment will reflect in your credit card account within 2 working days


BOB FINANCIAL offers a few other methods of Online Bill Payment.

  • NEFT
  • UPI
  • RTGS
  • Auto Debit
  • Bill-Desk
  • Razor Pay
  • Visa Bill Pay/BillDesk BillPay



People who are not comfortable with online bill payment can opt for offline payment of bills. BOB FINANCIAL offers a few other methods of Offline Bill Payment.

  • Cash
  • Cheque
  • Customer Care


Moratorium on BOB FINANCIAL Credit-card Bill Payment under RBI’s COVID-19 regulatory

Following the guidelines mentioned in RBI’s COVID-19 regulative Package, BOB FINANCIAL Card is permitting its cardholders the facility to avail moratorium on bill payments. Here are the necessary highlights of this facility:

  • All credit card holders who are making bill payments frequently and don't have any overdue are eligible for the moratorium
  • Interest charges are going to be applicable on the outstanding amount even during the moratorium period
  • Late payment charges won't be applicable
  • To opt for a moratorium, you need to place a letter of invitation with the bank five days before the payment due date
  • This is not a discharge of the outstanding amount or EMI, simply a deferment till August 2020
  • Cardholders will need to pay the whole outstanding amount along with the accumulated interest charges on the next due date after August 2020
  • Opting for the moratorium period won't have an effect on your credit score


For more details related to the COVID-19 Moratorium period.



These are some of the frequently asked questions (FAQs) by customers related to BOB FINANCIAL Credit Card.