Financial institution of Baroda Sapphire Debit Card Evaluation – CardExpert

Bank of Baroda sapphire debit card

To draw the premium clients, Financial institution of Baroda not too long ago 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 section with inexpensive annual payment and the Opulence debit card with metallic kind issue is focused on the prosperous section with 9.5K INR annual payment.

Right here we’re gonna take a look on the fast evaluation 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 Price Nil
Becoming a member of / Annual Charge 750 INR +GST
Welcome Profit 750 INR Way of life Present 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 planet for that matter that provides airport switch profit at inexpensive 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 have a look at the “her” design.

BOB sapphire debit card

It seems elegant surely however the “bob world” emblem feels undesirable and the massive “debit” part may 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 not too long ago launched IndusInd Avios Credit score Card as properly, in all probability as a result of they wished 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 kind of frequent on debit playing cards, airport switch service is uncommon to seek 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 instantly and it means we might doubtless see extra Visa playing cards with this profit within the coming days.

Reserving Airport Switch

You may both e book over Whatsapp Chat (or) by Calling Visa Concierge line. Listed here are the contact particulars simply incase should you’re questioning.

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

If I’ve to check it with the airport switch service on Axis Reserve that makes use of the identical Cab service more often than not, I’d say that BOB is barely higher, as a result of I had the driving 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 uncertain of.

I obtained a Swift Dzire for my reserving, because it was a “Tier 2” Metropolis. However should you’re reserving in a “Tier 1” Metropolis, it’s possible you’ll anticipate a luxurious Sedan. Listed here are the record of cities coated underneath the service.

BOB A/c Opening Course of

In the event you’re on this debit card and wished to use for the cardboard together with the brand new BOB financial savings account, beneath is the procees:

  1. Apply for the financial savings account with the assistance of BOB department government, digitally through Aadhaar authentication. Takes about 15 minutes.
  2. Account might 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 government to use for the Sapphire card to your account
  5. Digital card might 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 concerning the delay.

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

Welcome Equipment

Sapphire debit card welcome kit

The debit card is available in a small welcome package with a mini catalog & a welcome voucher (750 INR Way of life present card). The present card may be redeemed on-line (or) offline.

The PIN for the present card is distributed over SMS, which they need to as properly ship over e mail, as SMS won’t get delivered at instances which frequently occurs with SBICard.


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

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 stated, I’m hoping to see new BOB “Credit score” Playing cards with related 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 at liberty to share your experiences within the feedback beneath.

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