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Last updated: 01-06-2026
BOBCARD Premier Credit Card
Bank of Baroda

BOBCARD Premier Credit Card

"Bank of Baroda's premium card โ€” 7X rewards on travel and dining, domestic and international lounge access, golf and comprehensive travel insurance"

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Quick Summary
๐Ÿ’ณ Joining Fee
โ‚น2,499 + GST
๐Ÿ”„ Renewal Fee
โ‚น2,499 + GST
Waived: Annual fee waived on spending โ‚น3 lakh or more in the membership year
๐ŸŽฏ Best Suited For
Bank of Baroda customers who want premium travel benefits including lounge access, golf and travel insurance; those seeking a premium card from a public sector bank
๐ŸŽ Reward Type
Reward Points (1 RP = โ‚น0.25; redeemable for vouchers, cashback, merchandise)
๐ŸŽ‰ Welcome Benefit
Welcome vouchers and bonus RPs on card activation โ€” check current offer on BOBCARD website
๐Ÿ’ฐ Reward Rate
7 RPs per โ‚น100 on travel, dining and international spends (1.75% effective); 3 RPs per โ‚น100 on all other eligible retail (0.75%); excludes fuel, EMI, cash, government, wallet; RPs valid 2 years
โœˆ๏ธ Lounge Access
4 complimentary domestic airport lounge visits per quarter; 2 complimentary international lounge visits per year via Priority Pass โ€” on spending โ‚น50,000 in preceding quarter
๐Ÿ’ฑ Forex Markup
2% on international transactions โ€” lower than most mid-range cards
โญ Rate this Card
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โœ… Pros
  • 7X on travel and dining โ€” strong accelerated rate
  • Low 2% forex markup
  • 4 domestic + 2 international lounge visits
  • Golf access at partner courses
  • Comprehensive travel insurance
  • Achievable โ‚น3L fee waiver
  • Good premium option from a public sector bank
โŒ Cons
  • Lounge requires โ‚น50K quarterly spend
  • BOBCARD app less user-friendly
  • 1 RP = โ‚น0.25 โ€” average redemption value
  • RPs valid only 2 years
  • Limited partner brand offers vs private banks

๐ŸŽ Rewards & Benefits

Reward Type
Reward Points (1 RP = โ‚น0.25; redeemable for vouchers, cashback, merchandise)
Welcome Benefits
Welcome vouchers and bonus RPs on card activation โ€” check current offer on BOBCARD website
Reward Rate
7 RPs per โ‚น100 on travel, dining and international spends (1.75% effective); 3 RPs per โ‚น100 on all other eligible retail (0.75%); 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
4 complimentary domestic airport lounge visits per quarter; 2 complimentary international lounge visits per year via Priority Pass โ€” on spending โ‚น50,000 in preceding quarter
Spend Based Fee Waiver
Annual fee waived on โ‚น3 lakh annual spend
Milestone Benefits
Annual fee waiver on โ‚น3L spend; lounge access on โ‚น50K quarterly spend; bonus RPs on annual milestones
Other Benefits
7X on travel and dining; 4 domestic + 2 international lounge visits; 2% forex markup โ€” low; golf access at partner courses; comprehensive travel insurance; fuel surcharge waiver; contactless payments; EMI conversion; Priority Pass membership

โœจ Special Perks & Exclusive Offers

Memberships
Priority Pass (on spend condition)
Insurance Cover
Comprehensive travel insurance including air accident, baggage loss and delay; personal accident cover; zero liability on reporting
Add-on Cards
Add-on cards for family
Concierge Services
24x7 concierge services
Special Offers
7X on travel and dining; 4 domestic + 2 international lounge visits; 2% forex; golf; travel insurance

๐Ÿ’ณ Fees & Interest Rates

Joining Fee
โ‚น2,499 + GST
Annual Fee / Renewal Fee
โ‚น2,499 + GST
โœ“ Waived on: Annual fee waived on spending โ‚น3 lakh 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
2% on international transactions โ€” lower than most mid-range cards
Other Charges
Lounge requires โ‚น50K quarterly spend; BOBCARD app less polished than private bank apps; verify current benefits on BOBCARD website

๐Ÿ“‹ Eligibility & Credit Limit

Eligibility Criteria
Age 21 to 65 years; salaried or self-employed; minimum monthly income โ‚น35,000; Indian resident; CIBIL 720+
Credit Score Requirement
720+ 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 BOB NetBanking

Last updated: 01-06-2026

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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, 09:33 PM
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