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rupayselectcredit
BOBCARD Select Credit Card
Bank of Baroda
shoppingonline
Annual Fee
FREE
Joining Fee
Lifetime Free (Till 31st March 2026)
Base Reward
1% points
Foreign Markup
3.5% for all foreign currency transactions
Fee Waiver
Spend ₹70,000 for the annual fee waiver
Interest Rate
3.75% Per Month (45% Per Annum)
Welcome Benefits
500 Reward Points on Spends of ₹5,000 or More Within 60 Days of Card Issuance
Product Highlights
- Lifetime free credit card till 31st March 2026
- 1 Reward Point per ₹100 spent
- 5 Reward Points per ₹100 spent on dining and online transactions
- 1% waiver on fuel surcharge at all fuel stations
Rewards
1 Reward Point per ₹100 spent on all eligible transactions. 5 Reward Points per ₹100 spent on dining and online transactions.
Redemption
1 Reward Point = ₹0.25
Benefits & Features
1% fuel surcharge waiver for fuel transactions between ₹400 & ₹5,000.
Fees & Charges
Annual FeeFREE
Joining FeeLifetime Free (Till 31st March 2026)
Fee WaiverSpend ₹70,000 for the annual fee waiver
Foreign Markup3.5% for all foreign currency transactions
Interest Rate3.75% Per Month (45% Per Annum)
Cash Advance2.5% or ₹500 (Whichever is Higher)
Eligibility
Min Age
21 years
Available Networks
rupay
Pros & Cons
Pros
- Lifetime free for a limited time
- Good reward rate
- Fuel surcharge waiver
Cons
- No airport lounge access
- Limited to specific categories for higher rewards
Additional Info
5X Reward Points are capped at a maximum benefit of 1000 Reward Points in a month.