Friday, December 1, 2023
HomeCREDIT SCOREFinancial institution of Baroda Sapphire Debit Card Assessment – CardExpert

Financial institution of Baroda Sapphire Debit Card Assessment – CardExpert

Bank of Baroda sapphire debit card

To draw the premium clients, Financial institution of Baroda lately launched a few premium & tremendous premium debit playing cards within the identify of Sapphire & opulence respectively.

The BOB Sapphire debit card is focused on the premium phase with reasonably priced annual payment and the Opulence debit card with steel type issue is focused on the prosperous phase with 9.5K INR annual payment.

Right here we’re gonna take a look on the fast assessment of Financial institution of Baroda Sapphire debit card which is already dwell and is within the circulation in the intervening time.


Sort Premium Debit Card
Reward Fee Nil
Becoming a member of / Annual Price 750 INR +GST
Welcome Profit 750 INR Life-style Reward Card
Eligibility BOB SB Ac with AQB >10K INR
USP Airport switch profit

BOB Sapphire debit card is the primary debit card in India (or) on the earth for that matter that offers airport switch profit at reasonably priced pricing and NRV.


BOB sapphire debit card variants

BOB Sapphire debit card is available in 2 designs: one for “him” and the opposite for “her”. Right here’s a more in-depth take a look at the “her” design.

BOB sapphire debit card

It seems elegant certainly however the “bob world” emblem feels undesirable and the large “debit” part might have been smaller.

And it appears going ahead we gained’t be seeing the identify within the entrance of the cardboard, as I seen the identical with the lately launched IndusInd Avios Credit score Card as effectively, most likely as a result of they needed to simplify the printing course of.

Airport Lounge Entry

Home Lounge Entry Visa 2/Qtr

Similar to most different Visa Signature credit score & debit playing cards, this debit card too comes with 2 airport lounge entry per quarter.

Airport Switch Profit

Airport Switch Service Visa 1/Qtr

Whereas Airport lounge entry profit is sort of frequent on debit playing cards, airport switch service is uncommon to search out even on bank cards.

So it’s fairly an aggressive transfer by BOB & Visa to introduce the airport switch service on a debit card.

Level to notice is that the service is taken care by Visa Concierge immediately and it means we could doubtless see extra Visa playing cards with this profit within the coming days.

Reserving Airport Switch

You’ll be able to both e book over Whatsapp Chat (or) by Calling Visa Concierge line. Listed below are the contact particulars simply incase in case you’re questioning.

I’ve already tried the service and it’s fairly clean. The service was supplied by “Eco Lease a Automobile” and the concierge calls as much as confirm if the pick-up/drop was carried out.

If I’ve to match it with the airport switch service on Axis Reserve that makes use of the identical Cab service more often than not, I might say that BOB is barely higher, as a result of I had the motive force particulars like ~12 hrs previous to the journey, whereas Axis sends it solely 2-3 hrs prior. This will likely of-course fluctuate with airport and different elements, which I’m not sure of.

I acquired a Swift Dzire for my reserving, because it was a “Tier 2” Metropolis. However in case you’re reserving in a “Tier 1” Metropolis, it’s possible you’ll anticipate a luxurious Sedan. Listed below are the listing of cities coated beneath the service.

BOB A/c Opening Course of

Should you’re on this debit card and needed to use for the cardboard together with the brand new BOB financial savings account, under is the procees:

  1. Apply for the financial savings account with the assistance of BOB department govt, digitally through Aadhaar authentication. Takes about 15 minutes.
  2. Account can be activated by the department inside few hours, else ask. 
  3. Fund the account with >10K INR, through NEFT/IMPS
  4. Ask the identical department govt to use for the Sapphire card to your account
  5. Digital card can be seen on the app (with out CVV) inside 3 days of making use of. They take per week or extra to ship the bodily card. 

In my case, they didn’t ship the cardboard even after 3 weeks, so I needed to name department to challenge it.

Nevertheless the digital card was ample to e book the airport switch, so didn’t care a lot in regards to the delay.

That mentioned, higher don’t attempt to setup the web banking account, because it lacks most options that are in any other case accessible on the cellular app.

Welcome Equipment

Sapphire debit card welcome kit

The debit card is available in a small welcome equipment with a mini catalog & a welcome voucher (750 INR Life-style present card). The present card will be redeemed on-line (or) offline.

The PIN for the present card is shipped over SMS, which they need to as effectively ship over e mail, as SMS may not get delivered at instances which regularly occurs with SBICard.


Total BOB Sapphire debit card is simple to get and simple to make use of. Should you’re new to BOB, opening an a/c is fairly fast as effectively.

It’s fairly a shock to see Financial institution of Baroda launching premium debit playing cards with aggressive advantages which even the personal banks doesn’t have.

That mentioned, I’m hoping to see new BOB “Credit score” Playing cards with comparable options quickly. Till then, take pleasure in the advantages!

Make hay whereas the solar shines!

Do you maintain Financial institution of Baroda Sapphire debit card? Be happy to share your experiences within the feedback under.

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