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BOBCARD Select Credit Card

Bank of Baroda

BOBCARD Select Credit Card

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Annual Fee

Lifetime Free

Base Reward

1% points

Foreign Markup

3.5% for all foreign currency transactions

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4.4/5
VerifiedLast updated 26 May 2026

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

Category Rewards

Specialty

5X on online & dining

5X

dining

5X on online & dining

5X

Fee Waiver

Spend ₹70,000 for the annual fee waiver

Reward Calculator

Earns ₹600/year (net)

Modest gain. Solid hold if you like the perks.

Monthly spend

₹13K

across all your buckets

Points / yr

3K

BOBCARD Reward Points

Best worth

₹600

via standard · ₹0.2/pt

Effective rate

0.38%

Annual fee

FREE

Year 1 net

+₹600

Year 2+ net

+₹600

ongoing

Adjust your spend by reward bucket

2 buckets
1.00%5X on online & dining
₹3,000/mo
Earns 150 bobcard reward points / mo≈ ₹30 worth/mo
0.20%All other spends
₹10,000/mo
Earns 100 bobcard reward points / mo≈ ₹20 worth/mo

Real Reward Ceiling

Headline %s are gated by caps. Here's how far each accelerator stretches before it falls back to the base rate.

5X on online & dining

Headline: 1.00% effective

Surcharges & Exclusions

Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.

Foreign exchange markup

3.5%

Charged on every international (non-INR) transaction

Excluded from rewards

fuel, rent, wallet, emi, cash advance, government

Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.

Rewards Details

1 Reward Point per ₹100 spent on all eligible transactions. 5 Reward Points per ₹100 spent on dining and online transactions.

Reward Points — Redemption Value
  • 1 Reward Point = ₹0.25

Benefits & Features

1% fuel surcharge waiver for fuel transactions between ₹400 & ₹5,000.

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.

Ready to apply?

Apply directly on the bank's official website. Quick approval, no hidden steps.

Apply Now

Official bank website · Secure

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 yrs

Networks

rupay