Bank of Baroda
ICAI Exclusive BOBCARD Credit Card
Annual Fee
Lifetime FreeBase Reward
1% points
Foreign Markup
2% of the total transaction amount
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
utilities
5x Reward Points
5X
Specialty
1 Reward Point on every spend of ₹100
1X
Reward Calculator
Earns ₹1,500/year (net)
Modest gain. Solid hold if you like the perks.
₹25K
across all your buckets
6K
BOBCARD Reward Points
₹1.5K
via standard · ₹0.25/pt
Effective rate
0.50%
Annual fee
FREE
Year 1 net
+₹1,500
Year 2+ net
+₹1,500
ongoing
Adjust your spend by reward bucket
1 bucketsSurcharges & 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 on every spend of ₹100 and 5x Reward points on dining, utility bills, and online purchases.
- 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
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
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Fees & Charges
Eligibility
Min Age
18 yrs
Networks