"Premium card from Bank of Baroda โ 5X rewards on travel, dining, movies and international spends with unlimited domestic lounge access"
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Quick Summary
๐ณ Joining Fee
โน1,000 + GST (currently offered as โน0 LTF till March 2026 โ check bank website for current offer)
๐ Renewal Fee
โน1,000 + GST (LTF promo may apply)
Waived: Check current LTF promotional offer on BOBCARD website; standard annual fee โน1,000 waived on โน1.2 lakh annual spend
๐ฏ Best Suited For
Frequent travellers and movie-goers who want 5X rewards on travel, dining, movies and international spends, plus unlimited domestic lounge access
๐ Reward Type
Reward Points (1 RP = โน0.25 for most redemptions)
๐ Welcome Benefit
6-month FitPass Pro membership worth โน15,000 (access to 2,500+ premium gyms and fitness studios); 10,000 bonus Reward Points (worth โน2,500) on spending โน50,000 within 60 days of card issuance
๐ฐ Reward Rate
5X Reward Points (5 RPs per โน100) on travel, dining, movies and international transactions; 3 RPs per โน100 on all other eligible spends; 10,000 bonus RPs on spending โน50,000 within 60 days of card issuance
โ๏ธ Lounge Access
Unlimited complimentary domestic airport lounge access at 30+ partner lounges across India for primary cardholder; 1 complimentary domestic lounge access per calendar quarter on spending โน20,000 in the preceding quarter (alternate access model โ verify current terms on BOBCARD website)
๐ฑ Forex Markup
2% on international transactions โ lower than most mid-range cards
5X rewards on travel, dining, movies and international spends โ strong all-round earning
Low forex markup of 2%
FitPass Pro welcome benefit worth โน15,000 far exceeds the joining fee
Unlimited domestic lounge access
Air accidental death cover โน1 crore
LTF promotional offers available periodically
โ Cons
Standard joining fee of โน1,000 applies if LTF promo is not running
Reward value of โน0.25/RP is average
Lounge access structure can be confusing โ verify terms before applying
Limited international lounge access
BOBCARD app experience less polished than private bank apps
๐ Rewards & Benefits
Reward Type
Reward Points (1 RP = โน0.25 for most redemptions)
Welcome Benefits
6-month FitPass Pro membership worth โน15,000 (access to 2,500+ premium gyms and fitness studios); 10,000 bonus Reward Points (worth โน2,500) on spending โน50,000 within 60 days of card issuance
Reward Rate
5X Reward Points (5 RPs per โน100) on travel, dining, movies and international transactions; 3 RPs per โน100 on all other eligible spends; 10,000 bonus RPs on spending โน50,000 within 60 days of card issuance
Reward Redemption
Redeem via BOBCARD rewards portal for travel bookings (flights, hotels), merchandise, vouchers, cashback; 1 RP = โน0.25. Reward Points valid for 2 years from date of earning.
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between โน400 and โน5,000; maximum โน250 per statement cycle
Lounge Access
Unlimited complimentary domestic airport lounge access at 30+ partner lounges across India for primary cardholder; 1 complimentary domestic lounge access per calendar quarter on spending โน20,000 in the preceding quarter (alternate access model โ verify current terms on BOBCARD website)
Spend Based Fee Waiver
Annual fee waived on spending โน1.2 lakh or more per year; or avail LTF promotional offer if available
Milestone Benefits
10,000 bonus Reward Points on โน50,000 spend within 60 days; check BOBCARD website for current annual milestone benefits
Other Benefits
Discounts at 3,000+ restaurants via dining offers; complimentary hotel stay benefits at partner properties; travel insurance on select bookings; fuel surcharge waiver; contactless payments; UPI linkage available via RuPay variant
โจ Special Perks & Exclusive Offers
Memberships
FitPass Pro 6-month membership (welcome benefit)
Insurance Cover
Air accidental death cover โน1 crore; personal accident cover โน10 lakh; zero lost card liability on immediate reporting
Add-on Cards
Up to 3 add-on cards for family members
Concierge Services
24x7 concierge services on select premium variants
Special Offers
5X rewards on all international spends; dining discounts via BOBCARD dining programme; hotel benefits at partner properties
๐ณ Fees & Interest Rates
Joining Fee
โน1,000 + GST (currently offered as โน0 LTF till March 2026 โ check bank website for current offer)
Annual Fee / Renewal Fee
โน1,000 + GST (LTF promo may apply) โ Waived on: Check current LTF promotional offer on BOBCARD website; standard annual fee โน1,000 waived on โน1.2 lakh annual spend
Interest Rate (APR)
๐กPay your balance in full each month and this never applies to you.
3.25%โ3.75% per month (39%โ45% per annum) โ varies by card variant
ATM Cash Withdrawal / Cash Advance
2.5% of withdrawn amount, minimum โน500
Late Payment Charges
Based on outstanding amount: โน100โโน1,200 depending on slab
Over Limit Charges
2.5% of overlimit amount, minimum โน600
Cheque Bounce / Auto-Debit Return
Details coming soon
Foreign Currency Markup
2% on international transactions โ lower than most mid-range cards
Other Charges
Note: New card issuances may be subject to current BOBCARD promotions โ verify joining fee and LTF status on the BOBCARD website before applying
๐ Eligibility & Credit Limit
Eligibility Criteria
Age 18โ65 years; salaried or self-employed; minimum monthly income โน20,000; Indian resident with valid KYC; good credit history
Credit Score Requirement
700+ CIBIL score recommended
Credit Limit
Based on income and BOBCARD credit assessment
๐ EMI, Balance Transfer & Debt Management
EMI Conversion
Available on transactions above โน2,500; flexible tenures 6โ36 months
Balance Transfer Facility
Available from other bank credit cards
Balance Transfer Interest Rate
As per BOBCARD prevailing rates
Balance Transfer Charges
Details coming soon
๐ Security & Fraud Protection
Card Block Feature
Instant block via BOBCARD mobile app or customer care
Instant Fraud Alerts
SMS and email alerts on every transaction
Purchase Protection
Zero liability on immediate card loss reporting
Virtual Card Numbers
Details coming soon
Zero Liability Protection
Zero liability on unauthorized transactions after reporting
๐ Customer Service & Digital Experience
Phone Support
1800-103-1006 / 1800-225-100 (24x7 toll-free)
Chat / Email Support
Chat and email support via BOBCARD website and app
Mobile App
BOBCARD mobile app: manage card, track rewards, pay bills, block/unblock
Online Banking
Full management via BOBCARD website and Bank of Baroda NetBanking
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