Bank of Baroda
BOBCARD Sentinel Credit Card
Annual Fee
Lifetime FreeBase Reward
2% points
Foreign Markup
3.5% of the total transaction amount
Welcome Benefits
Complimentary Fit Pass Pro Membership and 500 Reward Points on Spends of ₹5,000 or More in the First 60 Days of Card Issuance
Product Highlights
- Complimentary FitPass Pro membership for 6 months
- 500 bonus Reward Points as a welcome benefit
- Complimentary Amazon Prime membership on achieving the required spend milestone
Category Rewards
Specialty
5X on departmental stores
5X
Reward Calculator
Earns ₹1,500/year (net)
Modest gain. Solid hold if you like the perks.
₹13K
across all your buckets
6K
BOBCARD Reward Points
₹1.5K
via standard · ₹0.25/pt
Effective rate
0.96%
Annual fee
FREE
Year 1 net
+₹1,500
Year 2+ net
+₹1,500
ongoing
Adjust your spend by reward bucket
2 bucketsReal 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 departmental stores
Headline: 2.50% 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
You get 2 Reward Points on every retail spend of Rs. 100 and 10 Reward Points on every Rs. 100 spent on groceries and departmental store purchases.
- 1 Reward Point = Re. 0.25
Benefits & Features
Domestic: 2 Free Visits Each Quarter (Spends of ₹20,000 in the Previous Quarter) Complimentary domestic lounge access every year.
Pros & Cons
Pros
- Lifetime free card
- Decent reward rates
- Free lounge access
- Exciting travel benefits
Cons
- No international lounge access
- Eligibility limited to Assam Rifles personnel
Additional Info
Maximum waiver per statement cycle is capped at ₹250.
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Min Age
18 yrs
Networks