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BOBCARD Select Credit Card

Bank of Baroda |
Dining Lifestyle Lounge Access Online Shopping Rewards

Annual Fee

₹750

Rewards/₹100 ⓘ

₹0.20 - ₹1.00

Normalized to balance base rate with bonus categories

Interest Rate

42.00%

Credit Score

750+

At a Glance

Key Benefits

5X rewards on dining & online (max 1,000 pts/month), 500 welcome bonus, Rs.15L air accident insurance, fuel waiver

Lounge Access

2 domestic + 6 international airport lounge visits per year (8 total visits)

Eligibility

Age 21-65, Min income Rs.4.8L p.a., CIBIL 750+, Salaried/Self-employed Indians

Quick Details

Annual Fee
₹750 #158
Joining Fee
₹750 #158
Interest Rate
42.00% p.a. #108
Forex Markup
3.50% #75
Rewards/₹100
₹0.20 - ₹1.00 #190
Reward Type Reward Points
Reward Currency Points
Domestic Lounge Visits
2/year #92
International Lounge Visits
6/year #26
Min Credit Score
750+ #186
Min Monthly Income ₹25
Network MASTERCARD
Card Replacement Fee 100
Late Payment Fee ₹500
Cash Advance Fee ₹300 2.50% (min ₹300)
Card Replacement Fee ₹100
Over Limit Fee ₹500
Fee Waiver on Spend ₹70,000/yr

Reward Structure

Base

All Other Spends

₹0.20 /₹100
Cat

Dining Transactions

₹1.00 /₹100
Cat

Online Transactions

₹1.00 /₹100

Reward Calculator

₹
Allocate by Category 100%
Dining Transactions
5.0 pts
50% ₹0
Online Transactions
5.0 pts
30% ₹0
Other Spends
1.0 pts
20% ₹0
Your Rewards
Points Earned 0
Cash Value ₹0
Breakdown
Quick amounts:

Milestone Benefits

Welcome Bonus

500 Bonus Reward Points on spending Rs.5,000 or more within 60 days of card issuance

Spend ₹5,000 within 60 days

₹500

value

Milestone

Joining fee waiver on spending Rs.7,500 within first 60 days

Spend ₹7,500 within 60 days

₹750

value

Annual Benefit

Annual fee waiver on spending Rs.70,000 in a card anniversary year

Spend ₹70,000 within 365 days

₹750

value

Airport Lounge Access

Domestic Free
2

visits per year

Complimentary access to domestic airport lounges via MasterCard network

International Free
6

visits per year

Complimentary access to international airport lounges

Insurance Coverage

Air Accident

₹15,00,000

Accidental Air Accident Insurance coverage of Rs.15 lakhs

Personal Accident

₹5,00,000

Accidental Non-Air Accident Insurance coverage of Rs.5 lakhs

Lost Card

₹0

Zero liability on fraudulent transactions on lost/stolen card if reported immediately

Lifestyle Perks

Fuel

1 /month

1% fuel surcharge waiver across all fuel pumps (Rs.400-5,000 transactions, max Rs.250/month)

Golf

4 /year

Four free golf rounds, golf lessons, and discounts (MasterCard variant)

Concierge

24/7 Concierge service for travel bookings, dining reservations, and lifestyle assistance

Movies

12 /year

Complimentary/discounted movie tickets at select theaters

Dining

Dining discounts and offers at partner restaurants

Emi

Easy EMI conversion on purchases at nominal interest rates

Quick Analysis

BOBCARD Select is a solid entry-to-mid level lifestyle card offering 5X rewards on dining and online, decent lounge access, and comprehensive insurance at an affordable Rs.750 annual fee. Best suited for those with regular dining and online spends who value insurance and lounge benefits.

Pros

  • 5X rewards on dining and online transactions (max 1,000 points/month)
  • 500 welcome bonus points on Rs.5,000 spend in 60 days
  • 2 domestic + 6 international lounge visits per year
  • Accidental insurance: Rs.15 lakh (Air) + Rs.5 lakh (Non-Air)
  • 1% fuel surcharge waiver (Rs.400-5,000, max Rs.250/month)
  • Low annual fee of Rs.750 (waivable on Rs.70,000 spend)
  • Up to 3 lifetime free add-on cards
  • Golf privileges: 4 free rounds + lessons (MasterCard)
  • Concierge service for travel & lifestyle assistance
  • Complimentary movie tickets and dining offers

Cons

  • 5X rewards capped at 1,000 points/month (Rs.20,000 spends)
  • Point value is low at Rs.0.20 per point
  • Limited lounge access (only 8 total visits/year)
  • High 3.5% forex markup for international use
  • No lounge access benefit clarity from some sources
  • High interest rate of 42% p.a.
  • Minimum income requirement of Rs.4.8 lakhs p.a.
  • Cash advance fee is 2.5% or Rs.300 minimum
  • Joining fee waiver needs Rs.7,500 spend in 60 days
  • Limited to standard reward rate on most spends

Best For

Dining enthusiasts, online shoppers, domestic travelers

Not Ideal For

International travelers, high spenders seeking premium rewards

Frequently Asked Questions

What is the annual fee for BOBCARD Select Credit Card?
The joining fee is Rs.750 + GST and annual fee is Rs.750 + GST. The joining fee can be waived by spending Rs.7,500 within the first 60 days. The annual fee is waived if you spend Rs.70,000 or more in a card anniversary year.
What is the reward structure?
Earn 5 Reward Points per Rs.100 spent on dining and online transactions (capped at 1,000 points per month). Earn 1 Reward Point per Rs.100 on all other eligible transactions. Fuel transactions are not eligible for reward points.
What is the value of reward points?
Each reward point is valued at Rs.0.20. Points can be redeemed for cash, vouchers, merchandise, or other rewards from the BOB Rewardz catalogue.
What is the welcome bonus offer?
Get 500 Bonus Reward Points (worth Rs.100) on spending Rs.5,000 or more within 60 days of card issuance.
What lounge access benefits are provided?
Get 2 complimentary domestic airport lounge visits and 6 international airport lounge visits per year, totaling 8 visits annually through the MasterCard lounge program.
What insurance coverage is included?
The card provides Accidental Air Accident Insurance of Rs.15 lakhs and Accidental Non-Air Accident Insurance of Rs.5 lakhs. Also includes zero liability on fraudulent transactions if lost/stolen card is reported immediately.
What is the fuel surcharge waiver?
Get 1% fuel surcharge waiver across all fuel pumps in India for transactions between Rs.400 and Rs.5,000. Maximum waiver benefit is Rs.250 per statement cycle.
What are the eligibility criteria?
Applicants must be 21-65 years old (salaried) or 24-65 years (self-employed), have a minimum annual income of Rs.4.8 lakhs, and maintain a credit score above 750. Must be a Resident Indian.
How many add-on cards can I get?
You can get up to 3 lifetime free add-on cards for your spouse, parents, siblings, or children above 18 years of age with the same benefits as the primary card.
What is the interest rate?
The annual interest rate is 42% per annum (3.50% per month). You get an interest-free period of up to 48 days if you pay the full outstanding amount by the due date.
What is the forex markup?
The foreign currency markup is 3.5% on all international transactions.
What are the late payment charges?
Late payment charges are approximately Rs.500 (varies based on outstanding amount). Plus GST is applicable on late fees.
What is the cash withdrawal fee?
Cash advance fee is 2.5% of the withdrawal amount or Rs.300, whichever is higher.
Can I convert purchases to EMI?
Yes, you can convert purchases into Easy EMI and pay in installments at nominal interest rates. This feature is available for eligible transactions.
What golf privileges are available?
MasterCard variant cardholders get four free golf rounds per year, golf lessons, and discounts at select golf courses through the MasterCard Golf Program.
Is concierge service available?
Yes, the card provides 24/7 concierge service for travel bookings, dining reservations, event tickets, and other lifestyle assistance.
Are there movie and dining benefits?
Yes, cardholders get complimentary or discounted movie tickets at select theaters and dining discounts at partner restaurants throughout the year.
What is the credit limit range?
The credit limit typically ranges from Rs.50,000 to Rs.5,00,000 depending on your income, credit score, and credit history.
Is the card contactless enabled?
Yes, the BOBCARD Select supports contactless payments for transactions up to Rs.5,000 without entering a PIN for quick and convenient payments.
What documents are required to apply?
Required documents include: PAN Card, Identity proof (Aadhaar/Passport/Voter ID/DL), Address proof, Income proof (salary slips/ITR/Form 16 for salaried; ITR/business proof for self-employed), and recent photographs.

User Reviews

Our Rating

3.4
APPLY NOW

on Bank of Baroda's website

Rating Breakdown

Rewards
3.1/5 Top 75%
Benefits
4.4/5 Top 5%
Fees
3.0/5 Top 52%
Value for Money
3.6/5 Top 32%
User Reviews
3.0/5 Top 50%

Important Links

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