Bank of Baroda
CMA One BOBCARD Credit Card
Annual Fee
Lifetime FreeBase Reward
1% points
Foreign Markup
2% of the total transaction amount.
Welcome Benefits
Get 6-Month Complimentary Fit Pass Pro Membership and 500 Bonus Reward Points.
Product Highlights
- Lifetime free card
- Complimentary FitPass Pro membership
Category Rewards
dining
5X on dining, online, utility
5X
Specialty
5X on dining, online, utility
5X
utilities
5X on dining, online, utility
5X
Reward Calculator
Earns ₹750/year (net)
Modest gain. Solid hold if you like the perks.
₹13K
across all your buckets
3K
BOBCARD Reward Points
₹750
via standard · ₹0.25/pt
Effective rate
0.48%
Annual fee
FREE
Year 1 net
+₹750
Year 2+ net
+₹750
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 dining, online, utility
Headline: 1.25% 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 earn 1 Reward Point on every retail spend of ₹100. You earn 5 Reward Points on every ₹100 spent on utility bills, dining spends, and online purchases.
- 1 Reward Point = ₹0.25 against cashback and several other options.
Benefits & Features
Domestic: 3 complimentary domestic lounge access every quarter. 12 complimentary domestic lounge access every year, capped at 3 visits per quarter.
Pros & Cons
Pros
- 1 Reward Point on every ₹100 spent
- 5 Reward Points on utility bills, dining, and online purchases
Cons
- No Reward Points on fuel transactions
- Capped Reward Points at 1,000 per month
Additional Info
Reward Points are capped at 1,000 per month.
Excluded Categories
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