Bank of Baroda World VISA Opulence Debit Card – Benefits, Fees & Eligibility

Introduction

The BOB Opulence is a premium debit card issued by Bank of Baroda, designed for customers seeking an elevated banking experience. It offers a suite of exclusive benefits, including unlimited domestic and international airport lounge access, airport pick-up and drop services, a complimentary golf program, and special dining privileges, positioning it as a high-end offering for discerning individuals.

Fees

• Issuance Fees: ₹ 9,500/-
• Annual Fees: ₹ 9,500/-
• Re-issuance Fee: ₹ 4,500/-

Rewards

• General Rewards
  • Rewards accumulation on every swipe.
  • Complimentary room upgrades, late checkouts, and other benefits at selected hotels through the VISA Luxury Hotel Collection.
• Travel
  • Unlimited Domestic Airport Lounge Access.
  • Unlimited International Airport Lounge Access.
  • Complimentary Airport pick up & Drop services.
  • Exclusive benefits on selected Luxury Hotel Collection properties.
  • Offers with travel partners including ITC Hotel, Abhibus, Yatra, Delhi Airport, Hyderabad Airport, Mokobara, and Bloom Hotels.
  • Visa Meet & Assist services.
  • Note: The complimentary one-year Club Marriott membership has been discontinued.
• Golf
  • Complimentary Golf program, including games and sessions at selected Golf Courses.
  • Offers with partners like Imagicaa, Gaana Plus, Zee 5, and Sony Liv.
• Apparel & Accessories
  • Offers on premium brands.
  • Shopping benefits with partners such as Fastrack, Titan, Da Milano, Lifestyle, Max Online, Clovia, Bewakoof, Ajio Luxe, Steve Madden, Snitch, Gehna, GRT Jewellers, and Joyalukkas.
• Health & Wellness
  • Special offers on featured health and wellness brands.
  • Benefits with partners including Healthians, Arata, Tattva Spa, mCaffeine, The Body Shop, Wow Skin, Netmeds, Medibuddy, Toothsi, Bombay Shaving Company, and Foxtale.
• Dining
  • Exclusive dining benefits on selected Hotels.
  • Access to the Visa Infinite Premium Dining Program: Dine with Visa.
  • Dining offers with partners like Behrouz Biryani, Faasos, The Good Bowl, Oven Story, Eatsure, and Wendy's.

Rewards Redemption Guide

• The card offers rewards accumulation on every swipe. Specific details on how to redeem these accumulated rewards or cashback are not explicitly provided.

Card Eligibility Criteria

• Eligible Customer Segments
  • Individuals maintaining Savings and Current Accounts with Bank of Baroda under eligible scheme codes.
  • A Quarterly Average Balance (QAB) of ₹ 10,00,000/- is required for eligibility.
  • Debit cards are allowed for modes of operation such as 'Self,' 'Either or Survivor,' or 'Anyone or Survivor' for Savings accounts.
  • For Current Account schemes, the mode of operation must be 'Proprietor'.

Card Review

The BOB Opulence debit card is tailored for high-net-worth individuals who maintain a significant balance with Bank of Baroda and frequently utilize premium services. Its strengths lie in its extensive travel benefits, including unlimited lounge access and airport services, coupled with a robust golf program and a wide array of lifestyle, dining, and wellness offers. The high transaction limits further enhance its appeal for premium users. However, the card comes with substantial issuance and annual fees, and it's important to note that some benefits, like the Club Marriott membership, have been discontinued. This card is best suited for those who can fully leverage its premium features to offset the associated costs.

Important Product Details

• Card Limits
  • ATM - Cash withdrawals
    • Maximum Per day limit: ₹ 5,00,000/-
    • Maximum per transaction limit on Bank of Baroda ATMs: ₹ 15,000/-
    • Maximum per transaction limit on other Bank’s ATMs: ₹ 10,000/-
    • Maximum number of cash withdrawals allowed per day: 50
  • POS / E-Commerce
    • Maximum Per day limit at POS/Ecom: ₹ 10,00,000/-
  • Contactless
    • Maximum per transaction limit using Contactless mode: ₹ 5,000/-
    • Number of daily Contactless transactions limit: 10
• General Notes
  • All offers are subject to change (addition/deletion) by VISA at any time.
  • The complimentary one-year Club Marriott membership has been discontinued.

Other Details

• Do's
  • Use your Bank of Baroda Debit Card for personal use only.
  • Generate Debit Card/Green PIN through BOB World App, bob world internet, IVR, or any Bank of Baroda ATM (no physical PIN sent for domestic registered mobile numbers).
  • Change your PIN at regular intervals.
  • Activate your debit card by using it first at any ATM before using it at POS/e-commerce.
  • Ensure your card is used in your presence when transacting at POS and enter the PIN discreetly.
  • Register your mobile number with the bank and subscribe to SMS alerts for all Debit Card transactions to prevent suspicious/fraudulent activities.
  • Conduct ATM transactions in complete privacy and shield your PIN from onlookers.
  • Collect your card, cash, and receipt after completing a transaction.
  • Be aware of extra devices attached to ATMs; report any suspicious devices to security/bank immediately.
  • Ensure the "Welcome Screen" is displayed in the ATM after your transaction.
  • Regularly check account statements and immediately report any unauthorized card transactions after blocking your debit card.
  • Immediately inform the Bank if your ATM/Debit Card is lost or stolen.
  • If your card is held back by an ATM, inform the 24-hour Customer Care.
  • Be cautious of suspicious movements of people around ATMs and strangers trying to engage you in conversation.
  • When destroying your card upon expiry or account closure, cut it into four pieces through the magnetic stripe.
  • If cash is not dispensed but the account is debited, Bank of Baroda customers must fill a complaint form and submit it to the Branch.
  • Verify emails and links, especially those purporting to be from social networking sites, to avoid phishing.
  • Always ensure that the address of the website for transactions starts with https://.
• Dont's
  • Do not give your Debit Card to anyone; if surrendering, request closure and hand over to Bank Officials after destruction, or block using BOB World, bob world internet, IVR, or WhatsApp Banking.
  • Do not keep a written record of your PIN; memorize it.
  • Do not disclose your Card/PIN details over email links, phone calls, or to bank officials, as the Bank will never request such details.
  • Do not overlook or ignore transaction alerts received via SMS.
  • Never lend your card to anyone.
  • Do not write your PIN on the card or its cover.
  • Never share your PIN or seek help by handing over the card and revealing the PIN.
  • Never let anyone see you entering your PIN.
  • Never use easily guessed PINs (e.g., birthday, telephone number); use non-dictionary words.
  • Never leave your card in the ATM.
  • Do not forget to collect dispensed cash.
  • Avoid posting personal information online such as address, phone numbers, email address, license number, Aadhaar number, birth place, location for any given day, school’s name of kids, and family details.
• General Information
  • The Bank may use the services of agents for sales/marketing of its various products.
  • The website uses cookies and similar tools; users consent to their use by continuing to browse.