Credit Card Monthly Statement

Statement Date : 16/12/2023 | Statement Period : 17 Nov, 2023 to 16 Dec, 2023

Tax Invoice to: This Month’s Statement At A Glance

YASH GAURKAR
F-2, KRISHNA RESIDENCY, KAVERRAPA LAYOUT Card No: 468943XXXXXX6743 Sanctioned Credit Limit: ₹200,000
KADUBESNAHALLI BENGALURU, 560103

Card : PREMIER भुगतान देय ितथी यूनतम देय रािश कुल भुगतान देय
Payment Due Date Minimum Amount Due Total Amount Due
State : KARNATAKA (29)
Place of Supply 04/01/2024
334.95 6,699.00DR
Pay Now
GST No:

े िडट सीमा उपल ध े िडट सीमा नकद सीमा उपल ध नकद सीमा
Credit Limit Available Credit Limit Cash Limit Available Cash Limit

200,000 193,301.00 80,000.00 80,000.00

Account Summary
नई खरीद/डेिबट
ारंिभक शेष भुगतान / े िडट समाि के समय शेष
New
Opening Balance Payment/Credits Closing Balance
Purchases/Debits

.00 .00 6,699.00 6,699.00

ऑनलाइन पेआई.डी. Online Pay I.D. 0007930371000461041

Bonus/Reward Points Summary

ारंिभक शेष अ जत एवज/समा समाि के समय शेष
Opening Balance Earned Redeemed/Expired Closing Balance

0 67 0 67

*As per Existing Policy on Bonus Point, a minimum of 500 bonus points are required for
redemption.

Transaction Details

रवॉड
तारीख संदभ। सं या िववरण ोत मु ा ोत रकम रकम
पॉइंट
Date Ref. No. Particulars Source Source Amt. Amount
Reward
Currency
Points
YASH GAURKAR (PRIMARY CARD - 6743)
15/12/2023 621656 Flipkart Internet PVT Bangalore IN 67 INR 6,699.00 6,699.00 DR

Please register your Mobile No. & E-Mail ID at [email protected] to receive regular alerts. For any amendment in the
contact details, please mail us at [email protected] from your registered email id.

Chetan Goswamy
(Credit Card Operations)
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Reward Summary at Card Level
Earned Lapsed in Points Points Points
Card Beginning Balance
Card no. During Redeemed current expiring on expiring on expiring on
type balance points
Cycle cycle - - -
XXXX6743 Primary 0 67 0 0 67 0 0 0

Loan Summary
Loan/ Loan/ Monthly Outstanding
Transaction/Loan EMI Start EMI End No. of Pending
Transaction Interest Installment EMI
Product Date Date Installments(C) Installments
Amt.(A) Amt.(B) Amt.(A+B)/C Amt. (P+I)

GO DIGITAL to SELF-SERVICE your card seamlessly. Login Now to your online account

N EW

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Card Blocking Domestic/International Reset your Card PIN Easy Payment Modes
Card Limit

Activate Auto-Debit for Request an Add-on

Raise a Query Redeem Reward Points
Card Payment Card

Don't have an online account yet?

Register in 2 simple steps: Sign Up
Step 1: Visit www.bobfinancial.com
Step 2: Provide your details as per screen instructions, verify OTP & click on 'Submit'
Use your generated ‘Username’ and ‘Password’ to access your credit card account online.

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 YOUR CONVENIENCE IS OUR PRIORITY. Pay Safely & Easy using any of these methods.

INSTA PAY SELF-SERVICE PORTAL

Pay instantly through Net Banking Register your credit card online at
at https://www.bobcards.in/online-payment.html https://online.bobcards.com Once registered,
log-in & clear your dues anytime, from anywhere.
AUTO DEBIT
NEFT
Set standing instruction and enjoy
automated bill payments every month Use IFSC Code as BARB0COLABA & 16 digit
Click Here to register credit card number as Beneficiary a/c No.
(Kindly mention name & registered mobile no. in
remark column)

Click Here to know on the alternative payment methods.

Did You Know?

Alerts
SMART EMIs Offers

You can get regular alerts for Bill Statements, Card

You can convert your unbilled transactions of ₹ Your BoB Credit Card brings to you amazing deals
Offers, etc. by registering your Mobile No. & E-mail
2500 or more into Smart EMIs of 6 to 36 months. & offers at www.bobfin.in/Offers. Visit regularly to
ID. Write to us at [email protected] from your
Log-in & convert into EMI now! T&C apply. enjoy latest offers and Save Big!
registered E-mail ID to register now.

CIBIL Information: The company reserves the right to include your name in the list of defaulters in case at least the Be Vigilant. Be Safe
minimum amount due is not paid fully by the due date as specified in the statement and share the conduct of your
credit card account with other Bank/financial institutions, Credit Information Companies and Statutory bodies in
> Always use your card on secured
accordance with the Credit Information Companies (Regulation) Act, and rules made there under 2005 as amended
website/ portals. Never click on any
from time to time.
suspicious link
Billing Dispute Resolution: a. All contents of the statement will be deemed to be correct and accepted by the
> Keep your Email ID & Mobile No. updated
Cardholder unless discrepancy/ irregularities if any is brought to the notice of BFSL within 15 days from the date of the
with us. Inform us immediately in case card is
generation of statement date or within 45 days from the date of transaction.
lost or stolen.
b. The necessary action which may include rectification, if any will be done on the basis of merits of individual cases
and after due investigation to the full and final satisfaction of BFSL. Investigations conducted by BFSL shall be final and > Never leave your card unattended
binding on the Cardholder. > Change PIN regularly. Never share PIN with
c. Disputes raised after the period as aforesaid, shall be accepted at the sole discretion of BFSL. anyone.

d. Liability to clear outstanding dues shall not be affected merely by existence of a pending claim or a dispute between > Check your monthly E-bill statements
the Cardholder and BFSL. carefully.

SCHEDULE OF CHARGES

Finance Charges:
Eterna, Prime, Varunah Plus, Varunah Premium, Yoddha, The Sentinel, Vikram, Rakshamah and Empower Business Cerdit Cards: 3.25% per
month i.e. 39.00% per annum.
Premier, Corporate, Signature, Assure, and PayTM Credit Cards: 3.49% (41.88%)
All other Credit Cards: 3.6% per month i.e 43.2% per annum

Example: Card Statement Date: 1st Aug, Transactions Done between 1st Jul and 31st July. Retail Purchase of Rs.1,000 on July 25th, Assuming no
previous balance carried forward from 1st July, the cardholder will receive a statement on 1st August showing outstanding balance of Rs.1,000 with
due date of 20th August
1) If full payment is made within the due date, no finance charges shall be levied.
2) if there is no credit in the account or the credit is less than minimum due, company will charge @ 3.25% finance charge from date of transaction +
Rs. 400 late payment charges. So the dues will be Rs. 1000 + Rs. 40.60 (finance charges @ 3.25% on 1000 from Jul 25th for 38 days) + Rs. 400 + Rs.
39.65 + Rs. 39.65 (SGST @9%+CGST 9%=total 18% GST will be applicable) = 1519.91 for which he will receive the bill dated 1st Sep.
3) If Minimum Payment of Rs.200/- (minimum payment amount is 5% of total dues or Rs.200/- whichever is more) is made on 11th August (within the
due date), the dues will be Rs.1000 - Rs.200 = Rs.800 + Rs.36.12 (Finance charges @3.25% on Rs.1000 for 17 days from Jul 25 - Aug 10 and Finance
[email protected]% on Rs.800 for 21 days from Aug 11-31) + Rs.3.25 + Rs.3.25 (SGST @9%+CGST 9%=total 18% GST will be applicable) = Rs.842.62 for
which he will receive the bill dated 1st Sep.
Late Payment Charges (Charges in case of default) : Will be applicable if the minimum amount due is not paid by the payment due date. Clear
funds need to be credited in the card account on or before the due date. (Details under “TARIFF OF CHARGES' section).
Computation of Exceeding Limit Charges The outstanding on the card account must not exceed the credit limit at any time, failing which
cardholder will be charged additional 2.5% over and above the sanctioned credit limit subject to minimum of Rs.600
Insurance : Insurance benefit Is activated after issuance of Card & for continuation of insurance benefit the card should not be in NPA or Write-Off
category at the time of claim.
Insurance benefit not available for Unnati, IRCTC, HPCL & Snapdeal Cobrand Credit Cards
Interest Free Period : 20 to 50 days in case there is no previous outstanding.
Minimum Amount Due: 5% of outstanding balance or Rs.200 whichever is higher (in case of regular cards). Minimum amount due may vary in case
of irregular payments.
Avail Cash Withdrawal Charges: 2.50% of the withdrawn amount or Rs. 500 whichever is higher
Duplicate Bill Charges: Rs.25/-per statement. No charges for E-Statement
Surcharge on usage at Petrol outlets: 1% of fuel transaction amount Surcharge Waived for fuel transactions between Rs. 400 to Rs. 5000 (subject
to maximum of Rs. 250 per statement)

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 For HPCL: 1% of fuel transaction amount Surcharge Waived for fuel transactions between Rs. 400 to Rs. 5000 (subject to maximum of Rs. 100 per
statement)
For IRCTC: 1% of fuel transaction amount Surcharge Waived for fuel transactions between Rs. 500 to Rs. 3000 (subject to maximum of Rs. 100 per
statement)
For Snapdeal: 1% of fuel transaction amount Surcharge Waived for fuel transactions between Rs. 400 to Rs. 5000 (subject to maximum of Rs. 250
per statement)
The GST component is not reversed. Fuel transactions eligible for surcharge waiver do not earn Reward Points. Please note that the rate of fuel
surcharge may vary depending on the fuel station and their acquiring bank/network partner. The surcharge is levied by the acquiring bank
providing the terminal to the merchant or network. Please also note that the value of fuel transaction on charge slip will differ from the credit card
statement since the fuel surcharge and GST on the same are levied by the acquiring bank/network after the transaction.
Cheque Return Charges: 2% of the payment amount subject to a minimum of Rs. 500
Goods and Services Tax (GST): 18% (applicable on all fees, interest & other charges, as per prevailing government guidelines)
Exceeding Limit Surcharges: 2.5% of the amount over & above the sanctioned credit limit or Rs. 600, whichever is higher
Card Replacement Charges: Rs. 100 per card
Charge Slip Retrieval Charges: Rs.250/- per charge slip
Mark Up Fees (Currency Conversion Charges): Eterna/ Varunah Premium/ICAI/ICSI/ CMA: 2% of transaction amount | Rakshamah/ The Sentinel
/ Yoddha: 3% of transaction amount | Varunah Plus: 2.5% of transaction amount | Unnati: Not applicable as card cannot be used for international
transactions |All other products: 3.5% of transaction amount
Cash Payment Processing Fee: A fee of Rs. 250 will be levied for every credit card repayment done in cash
Cheque Payment Processing Fee: A fee of Rs. 100 will be levied for every credit card payment done using a cheque.
Auto Debit/SI Bounce Fee: 2% of the payment amount subject to a minimum of Rs.500.
Avail Authorization: If minimum payment is not received on / by due date request for transaction authorization may be declined & it may also
lead to cancellation of card.
No Fine Prints : No Hidden Charges

Late Payment Charges

Statement ₹1,001 to ₹10,001 to ₹25,001 to More than

Less than ₹100 ₹100 to ₹500 ₹501 to ₹1,000
Balance ₹10,000 ₹25,000 ₹50,000 ₹50,000
Charges NIL ₹100 ₹400 ₹750 ₹950 ₹1,100 ₹1,300

First Year Fees Spends criteria Spends criteria

Spends First Year Fees
(levied in the for reversal of for reversal of Spends criteria
criteria for (levied in the first
Product first first year fees Product first year fees for waiver of
waiver of Statement) /Annual
Statement) (spends in first (spends in first annual fees
annual fees fees
/Annual fees 60 days) 60 days)
Swavlamban ₹250 ₹2,500 ₹12,000 Snapdeal ₹249 NA NA

Easy ₹500 ₹6,000 ₹35,000 ICAI Exclusive NIL NA NA

Select ₹750 ₹7,500 ₹70,000 ICSI Diamond NIL NA NA

Premier ₹1,000 ₹10,000 ₹1,20,000 CMA ONE ₹1 NA NA

Eterna ₹2,499 ₹25,000 ₹2,50,000 Unnati NIL NA NA

Prime NIL NA NA IRCTC BoB ₹500/₹350 NA NA

Varunah, TheSentinel, HPCL Energie ₹499 NA ₹50,000
NIL NA NA
Yoddha,Rakshamah
₹25,000(180 ConQR NIL NA NA
Varunah Premium ₹2,499 ₹1,50,000
Days)
₹15,000(180 Corporate NA/₹1,000 NA ₹1,00,000
Varunah Plus ₹1,499 ₹1,50,000
Days) Business
Nainital Bank NA/₹500 NA ₹50,000
NIL/₹250 NA ₹2,500 Empower
Renaissance

IMPORTANT

Complaint Redressal Procedure Through Email:-

1. For Fee/Charges/Method of calculation of charges/Billing Disputes & other applicable T&C, kindly
visit our website www.bobfinancial.com to refer to Most Important T&C. From 1st February 2023, all Credit Card Business Response Time
rent payment transactions done using your Bank of Baroda credit card will attract a fee of 1% on the
total transaction amount.
Level1 [email protected] 5 working days*
2. Making only the minimum payment every month would result in the repayment
stretching over months/years with consequent interest payment on your outstanding
balance
*If your complaint is still unresolved, you can write to :

3. Payment of any amount lesser than the Total Amount Due in any month results in Mr. Ravi Ranjan Kumar
Interest accrual on the balance outstanding amount including any new purchases and Grievance Redressal Officer
cash advances.
4. BoB credit cards are currently being issued for the billing cycles of 1st, 16th or 18th of the month BoB Financial Solutions Limited.
as per discretion of BFSL. The cardholder has an one-time option to change the existing billing cycle
as available. Cardholder may write to [email protected] for a change in billing cycle. 15th Floor, 1502/03/04 DLH Park
SV Road, Goregaon (W)
5. BFSL follows the pattern of monthly billing cycle & sends statements thru Email/SMS/Hard copy
(on request) once in a month comprising details of transactions and/or payments made during that Mumbai – 400102
cycle. Billing Statement can also be downloaded by the Cardholder on registering the card at Email id: [email protected]
https://online.bobcards.com. Any omissions in the statement shall be adjusted in future statements.
Phone: 022–41683700 (Ext.–433)
6. Non-receipt or discrepancy in monthly statement needs to be informed by the due date at
[email protected] from the registered email ID. You can also call on Toll Free 24*7 Helpline
Nos. 1800 103 1006. In case the cardholder does not notify of any such event, the statements shall
be deemed to have delivered & conclusive.

7. Usage of internationally valid cards outside India must be in accordance with the Exchange Control Regulations of RBI. In the event of any failure to do so, the
cardholder is liable for Penal action under the Foreign Exchange Management Act, 1999. The onus ofensuring compliance with the regulations is entirely on the
cardholder.
8.Taxes Applicable:
1)Place of Supply: Maharashtra then CGST 9% & SGST 9%
2)Place of Supply: Other than Maharashtra then IGST 18%
9. Declaration: a) We hereby declare that tax in relation to this statement is not payable under reverse charge mechanism.
b) BFSL hereby declare that though our aggregate turnover in any preceding financial year from 2017-18 onwards is more than the aggregate turnover
notified under sub-rule (4) of rule 48, we are not required to prepare an e-invoice in terms of the provisions of the said sub-rule.
10. For urgent blocking of card, please call on Toll Free 24*7 helpline nos. 1800 103 1006 or SMS 'BLOCK' < last 4 digits of your credit card number > at '9223172141'
from your registered mobile number OR block the card online by logging to your customer portal account(Click online.bobcards.com to register if not already
registered).
11. Your card insurance details:
Insurance Nominee:BOB Financial Solutions Ltd. offers complimentary Air Accident / Personal Accident Insurance Cover on certain cards. To update the nominee details,
please fill in complete details in the nominee section of the application form or mail the nominee Name and Relationship with the Nominee details to
[email protected] from your registered Email ID.The said insurance is provided by a third-party insurance company, who is also responsible for any claim
settlement in this regard. BOB Financial Solutions Ltd. shall not be responsible for any dispute arising due to the claim settlement. The insurance issuer can be changed
by BOB Financial Solutions Ltd. without any prior notice.
Insurance Process: Customer can update claim request at [email protected] and follow details for online submission or send post to Credit Card Insurance,
BOB Financial Solutions Limited, 15th Floor, 1502/1503/1504, DLH Park, S.V.Road, Goregaon West, Mumbai – 400104.

Current Insurance Company : National Insurance Company Ltd, Mumbai Office Address, Divisional Office XII (260500), 6th floor, Sterling Cinema Building, Fort, Mumbai
- 400001
Telephone IP Phone Number : 260500001
12. Please see below illustrative example of Special Mention Account (SMA)/ Non Performing Asset (NPA) classification methodology. Illustrative example – If due date
of a credit card account is July 20, 2022, and full dues are not received before BFSL runs the day-end process for this date, the date of overdue shall be July 20, 2022. If
it continues to remain overdue, then this card account shall get tagged as SMA-1 upon running day-end process on August 19, 2022 i.e. upon completion of 30 days of
being continuously overdue. Accordingly, the date of SMA-1 classification for that card account shall be August 19, 2022.
Similarly, if the card account continues to remain overdue, it shall get tagged as SMA-2 upon running day-end process on September 18, 2022 and if continues to
remain overdue further,it shall get classified as NPA upon running day-end process on October 18, 2022.
Due Date: July 20, 2022
Overdue Days NA 1 31 61 91
Date of Classification July 19, 2022 July 21, 2022 August 19, 2022 September 18, 2022 October 18, 2022
Classification Status* Standard SMA 0 SMA 1 SMA 2 NPA
*Classification status tracking will depend on the type of facility being extended, for e.g. SMA 0 classification is not applicable for revolving facilities, and will be tracked
for SMA 1 onwards.

BoB Financial Solutions Limited

GST No.: 27AAACB1989L1ZA, SAC/HSN No.: 997119
Card Operations, 1502/1503/1504, DLH Park, S.V Road
CIN No.: U65990MH1994GOI081616
Goregaon (W), Mumbai - 400 104, Maharashtra (27).

www.bobfinancial.com [email protected] 1800-225-100 (Toll free)

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