If you have an account in Bank of Baroda (BOB) or any other bank, there’s great news: two major updates in BOB Rules for 2025!

🏦 Bank of Baroda (BOB) Rules 2026 Updated: Minimum Balance, Credit Card Lounge Access, Fees & Digital Policies Explained

Last Updated on 1 December 2025

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Introduction

Bank of Baroda (BOB), one of India’s leading public sector banks, has made several major policy changes over the last two years. While 2025 introduced important reforms—especially the minimum balance penalty removal—the year 2026 brings the continuation and expansion of these customer-friendly rules.

This updated guide breaks down every important rule for BOB customers in 2026, including:

• Savings account balance requirements
• Credit card lounge access policy
• Fees and reward point changes
• Digital banking compliance
• Financial performance of the bank
• Upcoming recruitment details

Let’s understand all the updated rules so you can manage your banking activities smartly and avoid unnecessary charges.

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💰 Minimum Balance Rules 2026 (Still in Effect & Customer-Friendly)

In July 2025, BOB made headlines by eliminating minimum balance penalties for standard savings accounts. The rule continues unchanged in 2026.

Savings Account Rules (2026 Update)

Account Type	New Rule	Impact on Customer
Standard Savings Accounts	No minimum balance penalty	Customers can maintain any balance without charges.
Premium Accounts	QAB still required (₹20,000–₹1,00,000)	Customers must maintain Quarterly Average Balance to enjoy premium services.

Why This Matters

This step promotes financial inclusion and helps students, salaried individuals, and low-income households maintain accounts without worry. However, premium account customers still need to monitor their QAB closely.

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💳 Credit Card Rules 2026: Lounge Access, Rewards & Fees

In January 2025, BOB shifted to a spend-based lounge access system, which continues in 2026 without modification.

Quarterly Spend Requirement for Lounge Access

Credit Card Category	Minimum Spend (Last Quarter)	Lounge Access
Eterna, Tiara, Varunah Premium	₹40,000	Unlimited
Varunah Plus, Sentinel, Rakshamah, Yoddha	₹20,000	2–3 visits
Premier, Premier FD, HPCL Card	₹20,000	1 visit

You can enjoy lounge access in the current quarter only if you meet the spend requirement in the previous quarter.

New Card Benefit (Good News!)

Newly issued credit cards get automatic lounge access for the first quarter without meeting the spend requirement.

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Other Important Credit Card Updates in 2026

1️⃣ Reward Points Excluded for Some Transactions

• No reward points for wallet loads (e.g., Paytm, PhonePe, Amazon Pay).
• Prevents misuse and aligns with RBI guidelines.

2️⃣ 1% Processing Fee on Select Transactions

Applicable on:

• Wallet loads
• Utility bills above ₹50,000
• Fuel transactions above ₹10,000

3️⃣ UPI Reward Points Cap Removed

Earlier, UPI reward points were capped at 500 per cycle—now removed to promote digital payments.

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📊 Bank of Baroda Financial Status 2026: How Strong Is the Bank?

Understanding the bank’s financial performance helps customers evaluate its services and long-term safety.

Q2 FY26 Performance (July–September 2025)

• Net Profit: ₹4,809 crore
  (8.2% dip due to lower non-interest income)

• Net Interest Income (NII): ₹11,954 crore
  (Stable and rising)

• Gross NPA Ratio: Improved to 2.16%

• Net NPA Ratio: Reduced to 0.57%

• Retail Loan Growth: Over 17% YoY
  (Strong growth in home, auto, and personal loans)

What This Means for You

Despite a temporary drop in profit, the bank’s fundamentals remain solid, especially in asset quality and retail lending. Borrowers may continue to get competitive loan options in 2026.

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💻 Digital Banking & Security Rules 2026

BOB continues to focus heavily on cybersecurity, fraud prevention, and digital compliance.

Mandatory Protocols in 2026

🔐 1. Biometric Authentication

Required for securing key transactions on the BOB World app.

📝 2. Positive Pay System (PPS)

Mandatory for cheques above ₹50,000.
Customers must confirm:

• Date
• Amount
• Beneficiary name
• Cheque number

This prevents cheque fraud and unauthorized alterations.

💸 3. Attractive FD Schemes Continue

• 444-day special FD
• Higher interest rates (7%+ for senior citizens)

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🧑‍💼 Bank of Baroda Specialist Officer Recruitment 2026

BOB conducts regular recruitment for Specialist Officer (SO) positions.

Expected Details for 2026 Recruitment

• Notification Release: Early to mid-2026
• Top Hiring Departments:
  • Information Technology
  • Cybersecurity
  • Digital Banking
  • Risk Management
  • Marketing & Analytics

If you're a banking aspirant, keep checking BOB’s careers portal.

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✅ Tips for BOB Customers in 2026

1️⃣ Premium Account Holders:

Track your QAB via the BOB World app to avoid charges.

2️⃣ Credit Card Users:

Plan your quarterly expenses to retain lounge access.

3️⃣ Cheque Users:

Always use PPS for high-value cheques to avoid rejection.

4️⃣ Borrowers:

Explore BOB’s competitive loan rates while asset quality remains strong.

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Want to stay updated on bank policies, new rules, and exam notifications?

👉 Visit Khabre360 daily for verified, and Latest financial news.

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❓ FAQs: Bank of Baroda Rules 2026

1. Is minimum balance required in Bank of Baroda in 2026?

No. Minimum balance penalties are removed for standard savings accounts, but premium accounts still require QAB maintenance.

2. What is the lounge access rule for BOB credit cards in 2026?

You must meet quarterly spending criteria (₹20,000–₹40,000 depending on card) in the previous quarter to get lounge access.

3. Do new BOB credit card users get free lounge access?

Yes. For newly issued cards, spend requirements are waived for the first quarter.

4. Are wallet load transactions eligible for reward points?

No. Wallet loads do not earn reward points as per 2026 rules.

5. What is Positive Pay System (PPS)?

A mandatory system for cheques above ₹50,000 where customers reconfirm cheque details to prevent fraud.

6. What is BOB’s FD interest rate in 2026?

Senior citizens may get interest rates above 7% on special FDs, especially the 444-day scheme.

7. When will BOB release Specialist Officer recruitment 2026?

The notification is expected between February–June 2026.

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