Bank of Baroda
ICAI Exclusive BOBCARD Credit Card
rupayclassiccredittravelshopping
Annual Fee
FREE
Base Reward
1% points
Foreign Markup
2% of the total transaction amount
4.5/5
Welcome Benefits
Complimentary Fit Pass Pro Membership for 6 Months and 500 Bonus Reward Points
Product Highlights
- Earn 500 bonus Reward Points as a welcome benefit.
- Complimentary 6-month Fit pass Pro membership.
- Up to 5 Reward Points on every spend of ₹100.
- Complimentary domestic lounge access every year.
- Reduced forex markup fee of 2% only.
- Personal accident covers worth ₹15 lakhs.
Category Rewards
dining
5x Reward Points
5x Reward Points
utilities
5x Reward Points
5x Reward Points
other
1 Reward Point on every spend of ₹100
1 Reward Point on every spend of ₹100
Rewards Details
1 Reward Point on every spend of ₹100 and 5x Reward points on dining, utility bills, and online purchases.
Reward Points — Redemption Value
- 1 Reward point = ₹0.25
Benefits & Features
Domestic: 3 Complimentary Domestic Lounge Access Every Quarter (12 Each Year) (On Spends of ₹40,000 in the Previous Quarter) Complimentary domestic lounge access every year.
Pros & Cons
Pros
- Lifetime free card with no joining or annual fee.
- High reward rate of 5x on dining, utility, and online purchases.
- Complimentary lounge access with spending criteria.
- Low forex markup fee of 2%.
Cons
- No reward points on fuel transactions.
- Limited international lounge access.
Additional Info
Max reward cap info not mentioned.
Excluded Categories
fuel
Fees & Charges
Annual FeeFREE
Joining FeeNil
Foreign Markup2% of the total transaction amount
Interest Rate3.49% per month
Cash Advance2.5% of the withdrawn amount subject to a minimum of ₹300 at domestic ATMs and 3% of the withdrawn amount or ₹300 at international ATMs.
Redemption FeeNil
Eligibility
Min Age
18 yrs
Networks
rupay