Bank of Baroda Credit Cards 2025
Explore all credit cards from Bank of Baroda. 6 cards ranked by our experts.
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Best for: Premium lifestyle seekers, frequent travelers, dining enthusiasts, high-income professionals
BOBCARD Eterna Credit Card
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on Bank of Baroda's website
Annual fee
FREE
Rewards rate
₹0.75 - ₹3.75/₹100
Joining fee
FREE
Interest rate
39.00%
Card details
Forex Markup
2.00%
Min Monthly Income ₹100
Categories Dining, Lifestyle, Lounge Access, Premium, Rewards, Shopping, Travel
CardNitty's take
Pros
- Lifetime free till 31st Dec 2025
- 5X rewards on dining, travel, online shopping & international spends
- 15 reward points per Rs.100 on accelerated categories (3.75% value)
- Unlimited complimentary domestic airport lounge access
- Rs.1 crore air accident insurance coverage
- Rs.10 lakh non-air accident insurance
- Low 2% forex markup fee
- 10,000 bonus points on Rs.50K spend in 60 days
- 20,000 bonus points on Rs.5L annual spend
- 6-month FitPass Pro membership worth Rs.15,000
- Buy-one-get-one movie tickets (up to Rs.250/month)
- 1% fuel surcharge waiver (Rs.400-Rs.5,000, max Rs.250/cycle)
- Up to 3 lifetime free add-on cards
- Zero lost card liability protection
- Smart EMI conversion (6-48 months)
- Available on Visa, Mastercard & RuPay networks
- Lower interest rate at 39% p.a.
Cons
- High Rs.2,499 joining and annual fee (after free period)
- Lounge access requires Rs.40,000 quarterly spend from Jan 2025
- 5X rewards capped at 5,000 points per statement cycle
- High Rs.12 lakh annual income requirement
- Minimum CIBIL score of 750 required
- No rewards on fuel, wallet loads, rent & utility payments
- Joining fee refund requires Rs.25K spend in 60 days
- Annual fee waiver needs Rs.2.5L annual spend
- Cash advance fee 2.5% or Rs.500, whichever higher
- No international lounge access or Priority Pass
- No concierge services for premium tier
- Movie offer limited to once per month
- Limited to Rs.5 lakh maximum credit limit
Best for: Indian Army personnel, veterans, defense families, grocery shoppers, frequent flyers
BOBCARD Yoddha
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on Bank of Baroda's website
Annual fee
FREE
Rewards rate
₹0.50 - ₹2.50/₹100
Joining fee
FREE
Interest rate
41.88%
Card details
Forex Markup
3.50%
Min Monthly Income ₹20
Categories Lifestyle, Lifetime Free, Rewards, Shopping, Travel
CardNitty's take
Pros
- Lifetime free credit card with no joining or annual fees
- 5X reward points (10 RP per Rs 100) on grocery and departmental stores
- Welcome benefits: 1,000 reward points + 6-month FITPASS Pro membership (Rs 15,000 value)
- 8 complimentary domestic airport lounge visits per year
- Free Amazon Prime membership for 12 months on Rs 1 lakh spend in 90 days
- Accidental death insurance coverage of Rs 20 lakhs
- 4 complimentary golf lessons or games per year
- 1% fuel surcharge waiver (up to Rs 250/month)
- 24x7 domestic and international concierge services
- Exclusively designed for Indian Army personnel and veterans
Cons
- Low base reward rate of only 2 points per Rs 100 (0.5%)
- 5X rewards capped at 1,000 reward points per month
- Lounge access requires Rs 20,000 quarterly spend (effective Jan 2025)
- High forex markup of 3.5% on international transactions
- High interest rate of 41.88% per annum
- Limited to Indian Army personnel, veterans, Veer Nari, and cadets only
- Fuel transactions not eligible for reward points
- UPI transactions don't qualify for bonus rewards
- Relatively low point value at Rs 0.25 per point
Best for: Domestic travelers, dining enthusiasts, mid-income professionals
BOBCARD Premier Credit Card
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on Bank of Baroda's website
Annual fee
FREE
Rewards rate
₹0.50 - ₹2.50/₹100
Joining fee
FREE
Interest rate
41.88%
Card details
Forex Markup
3.50%
Min Monthly Income ₹50
Categories Lifestyle, Lounge Access, Rewards, RuPay, Travel
CardNitty's take
Pros
- Lifetime free till 31st Dec 2025
- 5X rewards on travel, dining & international spends
- 10 reward points per Rs.100 on accelerated categories
- 2,000 bonus points monthly cap on 5X rewards
- 16,000 bonus points on annual spend milestone
- 1 complimentary domestic lounge access per quarter
- 1% fuel surcharge waiver (Rs.400-Rs.5,000, max Rs.250/cycle)
- Rs.50 lakh air accident insurance coverage
- Rs.10 lakh non-air accident insurance
- 500 welcome bonus points on Rs.5K spend in 60 days
- Zero lost card liability protection
- RuPay network with UPI support
- Annual fee waiver on Rs.1.2L annual spend
Cons
- High Rs.1,000 joining and annual fee (after free period)
- Lounge access requires Rs.20,000 quarterly spend
- 5X rewards capped at 2,000 points per month
- High 3.5% forex markup fee
- No rewards on fuel transactions
- Limited to 1 lounge visit per quarter
- High 41.88% p.a. interest rate
- Point value only Rs.0.25 (4 points = Rs.1)
- No international lounge access
- No Priority Pass membership
- Minimum Rs.7.2 lakh annual income requirement
- No concierge or golf benefits
Best for: Frequent train travelers, IRCTC bookers, railway commuters
IRCTC BOBCARD Credit Card
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on Bank of Baroda's website
Annual fee
₹350
Rewards rate
₹0.50 - ₹7.50/₹100
Joining fee
₹500
Interest rate
45.00%
Card details
Forex Markup
3.50%
Min Monthly Income ₹25
Categories Co-Branded, Railway, Rewards, RuPay, Travel
CardNitty's take
Pros
- Up to 40 reward points per Rs.100 on peak season IRCTC bookings
- 16 points per Rs.100 on off-peak train bookings (1AC-EC class)
- Up to 10% value back on railway tickets during peak periods
- 4 complimentary railway lounge visits per year (1 per quarter)
- 1% IRCTC transaction surcharge waiver on all bookings
- 1% fuel surcharge waiver (max Rs.100 per statement)
- 500 welcome bonus points on Rs.5K spend in 60 days
- Low annual fee of Rs.350 (Rs.500 joining fee)
- 4 points per Rs.100 on grocery & departmental stores
- Redeem points as IRCTC travel points or cashback
- UPI-enabled RuPay credit card
- Up to 3 lifetime free add-on cards
- Zero liability on fraudulent transactions
- EMI conversion on purchases above Rs.2,500
Cons
- Low point value at Rs.0.25 per reward point
- High 3.5% forex markup fee for international transactions
- High 45% p.a. interest rate (3.75% per month)
- No air accident or travel insurance coverage
- No international lounge access
- Limited to railway lounge access only
- Grocery rewards capped at 1,000 points monthly
- Peak season rewards limited to specific date ranges
- Lower rewards (2 points) on general spends
- No rewards on fuel transactions
- Railway lounge access limited to select stations
- Requires Rs.5K minimum spend for welcome bonus
- Peak rewards only on premium train classes (1AC-EC)
Best for: Entry-level users, movie & grocery spenders, new to credit
BOBCARD Easy Credit Card
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on Bank of Baroda's website
Annual fee
₹500
Rewards rate
₹0.20 - ₹2.00/₹100
Joining fee
₹500
Interest rate
45.00%
Card details
Forex Markup
3.50%
Min Monthly Income ₹25
Categories Beginner, Grocery, Lifestyle, Movies, Rewards
CardNitty's take
Pros
- Lifetime free offer till 31st Dec 2025
- 5X rewards on movies, groceries & departmental stores
- Up to 10X rewards on travel bookings via BOBCARD SmartDeal
- Low annual fee of Rs.500 with Rs.35K spend waiver
- 1% fuel surcharge waiver up to Rs.250/month
- 0.5% cashback on timely bill payments
- Up to 3 lifetime free add-on cards
- Interest-free credit up to 50 days
- Available on Visa, Mastercard & RuPay platforms
- Zero liability on fraudulent transactions
Cons
- 5X rewards capped at 1,000 points per statement cycle
- Lounge access requires Rs.40K quarterly spend from 2025
- No reward points on fuel transactions
- High 3.5% forex markup for international use
- 3.75% monthly interest rate (45% p.a.)
- Limited lounge access for entry-level card
- High cash advance fees (2.5%-3%)
- Select categories excluded from rewards
- Minimum Rs.25,000 credit limit
- Limited premium benefits
Best for: Dining enthusiasts, online shoppers, domestic travelers
BOBCARD Select Credit Card
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on Bank of Baroda's website
Annual fee
₹750
Rewards rate
₹0.20 - ₹1.00/₹100
Joining fee
₹750
Interest rate
42.00%
Card details
Forex Markup
3.50%
Min Monthly Income ₹25
Categories Dining, Lifestyle, Lounge Access, Online Shopping, Rewards
CardNitty's take
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
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