CardComparison.in
๐Ÿ  Home
๐Ÿƒ All Cards
โ‡„ Compare Cards 0
โš”๏ธ Card vs Card NEW
โ™ฅ My Wishlist
๐Ÿ“ Card Guides & Tips
Compare:
+ Add a card
+ Add a card
+ Add a card
cardcomparison.in
Last updated: 01-06-2026
BOBCARD Select Credit Card
Bank of Baroda

BOBCARD Select Credit Card

"Bank of Baroda's mid-range card โ€” 3X rewards on online spends, domestic lounge access, movie discounts and comprehensive insurance at a low annual fee"

No ratings yet โ€” be the first to rate below!

Quick Summary
๐Ÿ’ณ Joining Fee
โ‚น499 + GST
๐Ÿ”„ Renewal Fee
โ‚น499 + GST
Waived: Annual fee waived on spending โ‚น75,000 or more in the membership year
๐ŸŽฏ Best Suited For
Bank of Baroda customers seeking a mid-range card with lounge access, dining discounts and rewards at a low annual fee; those wanting to upgrade from BOB's entry-level cards
๐ŸŽ Reward Type
Reward Points (1 RP = โ‚น0.25; redeemable for vouchers, cashback, merchandise)
๐ŸŽ‰ Welcome Benefit
2,000 bonus RPs (worth โ‚น500) on spending โ‚น10,000 within 60 days of card issuance
๐Ÿ’ฐ Reward Rate
3 RPs per โ‚น100 on online spends (0.75% effective); 1 RP per โ‚น100 on all other eligible retail (0.25%); excludes fuel, EMI, cash, government, wallet; RPs valid 2 years
โœˆ๏ธ Lounge Access
2 complimentary domestic airport lounge visits per quarter on spending โ‚น25,000 in preceding quarter
๐Ÿ’ฑ Forex Markup
3.5% on international transactions
โญ Rate this Card
Click to rate
โœ… Pros
  • Low โ‚น499 annual fee with easy โ‚น75K waiver
  • 2 domestic lounge visits per quarter
  • 3X rewards on online spends
  • Fuel surcharge waiver
  • Personal accident cover
  • Good mid-range option from BOB
โŒ Cons
  • High forex markup 3.5%
  • Base reward rate 0.25% is low
  • Lounge requires โ‚น25K quarterly spend
  • BOBCARD app less user-friendly
  • Limited brand partner offers vs private banks

๐ŸŽ Rewards & Benefits

Reward Type
Reward Points (1 RP = โ‚น0.25; redeemable for vouchers, cashback, merchandise)
Welcome Benefits
2,000 bonus RPs (worth โ‚น500) on spending โ‚น10,000 within 60 days of card issuance
Reward Rate
3 RPs per โ‚น100 on online spends (0.75% effective); 1 RP per โ‚น100 on all other eligible retail (0.25%); excludes fuel, EMI, cash, government, wallet; RPs valid 2 years
Reward Redemption
BOBCARD rewards portal: cashback, vouchers, merchandise, travel; 1 RP = โ‚น0.25; RPs valid 2 years
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions โ‚น400 to โ‚น5,000; maximum โ‚น250 per statement cycle
Lounge Access
2 complimentary domestic airport lounge visits per quarter on spending โ‚น25,000 in preceding quarter
Spend Based Fee Waiver
Annual fee waived on โ‚น75,000 annual spend
Milestone Benefits
Annual fee waiver on โ‚น75K spend; 2,000 bonus RPs on activation
Other Benefits
2 domestic lounge visits per quarter; fuel surcharge waiver; dining discounts; contactless payments; EMI conversion; personal accident cover; add-on cards

โœจ Special Perks & Exclusive Offers

Memberships
Details coming soon
Insurance Cover
Personal accident cover; zero liability on timely reporting
Add-on Cards
Add-on cards for family
Concierge Services
Details coming soon
Special Offers
3X on online; 2 domestic lounge visits per quarter; fuel surcharge waiver; dining discounts

๐Ÿ’ณ Fees & Interest Rates

Joining Fee
โ‚น499 + GST
Annual Fee / Renewal Fee
โ‚น499 + GST
โœ“ Waived on: Annual fee waived on spending โ‚น75,000 or more in the membership year
Interest Rate (APR)
๐Ÿ’ก Pay your balance in full each month and this never applies to you.
3.25% to 3.75% per month (39% to 45% per annum)
ATM Cash Withdrawal / Cash Advance
2.5% of withdrawn amount, minimum โ‚น500
Late Payment Charges
โ‚น100 to โ‚น1,200 based on outstanding
Over Limit Charges
2.5% of overlimit amount, minimum โ‚น600
Cheque Bounce / Auto-Debit Return
Details coming soon
Foreign Currency Markup
3.5% on international transactions
Other Charges
Lounge requires โ‚น25K quarterly spend; high forex markup 3.5%; BOBCARD app less polished than private bank apps

๐Ÿ“‹ Eligibility & Credit Limit

Eligibility Criteria
Age 18 to 65 years; salaried or self-employed; minimum monthly income โ‚น25,000; Indian resident
Credit Score Requirement
700+ CIBIL recommended
Credit Limit
Based on income and BOB assessment

๐Ÿ“… EMI, Balance Transfer & Debt Management

EMI Conversion
Available on transactions above โ‚น2,500
Balance Transfer Facility
Available
Balance Transfer Interest Rate
As per BOBCARD prevailing rates
Balance Transfer Charges
Details coming soon

๐Ÿ”’ Security & Fraud Protection

Card Block Feature
Instant block via BOBCARD app
Instant Fraud Alerts
SMS and email alerts
Purchase Protection
Zero liability on reporting
Virtual Card Numbers
Details coming soon
Zero Liability Protection
Zero liability after reporting

๐Ÿ“ž Customer Service & Digital Experience

Phone Support
1800-103-1006 (toll-free)
Chat / Email Support
Chat via BOBCARD website and app
Mobile App
BOBCARD mobile app
Online Banking
BOBCARD website and Bank of Baroda NetBanking

Last updated: 01-06-2026

โญ User Reviews

Leave a Reply

Your email address will not be published. Required fields are marked *

9 + 1 = ?

๐Ÿƒ Related Cards You Might Like

ยฉ 2026 CardComparison.in โ€” All rights reserved.
Disclaimer: Information is for comparison purposes only. Verify details directly with the issuing bank before applying. CardComparison.in is not a bank or financial advisor.
Printed: 23 Oct 2026, 09:32 PM
cardcomparison.in