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Bank of Baroda
First year free, and the renewal fee goes at Rs. 35,000 of spending — the lowest waiver bar here
One-time
Waived on ₹35,000/yr
Uncapped rewards
Score 700+
Applying takes you to Bank of Baroda. CredSpy does not process applications, and the ranking on this site is never influenced by commission.
Best for
Terms structured from published copy
1 reward rate with their caps, taken from Bank of Baroda’s own published wording rather than checked against its terms document. Verify before you rely on a figure.
Terms effective from 9 Oct 2026.
See where each figure came fromEverything else
No published ceiling on this tier
There is no accelerated category. Fuel, groceries, dining and online shopping all earn the same base rate. All exclusions
Data-driven verdict based on net earnings after fees and caps.
Key strength
1% on Everything else — 1 Reward Point = Rs. 0.20, an effective 0.2% return., with no stated cap.
Biggest limitation
1 point per Rs. 100 redeeming at Rs. 0.20 is a 0.2% return. Rs. 50,000 of monthly spending earns about Rs. 1,200 a year.
Priced with caps, exclusions, and annual fee deducted live.
Monthly spending — ₹54,000
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Import a statement and this runs on your real spending instead of the sliders.
Click any drawer below to inspect fee schedules, lounge terms, reward multipliers, and exclusions.
Everything else the issuer publishes about this card. All of it is on this page and searchable — open only what you need.
1 pts
uncappedEverything else
1 Reward Point = Rs. 0.20, an effective 0.2% return.
| Charge | Amount | Condition |
|---|---|---|
| Joining fee | ₹0 | — |
| Annual / renewal fee | ₹590 | Nil in the first year. Rs. 500 from the second year, waived on spends of Rs. 35,000 in the preceding card anniversary year |
| Add-on card | The issuer publishes no separate add-on card fee for this card. | — |
| Cash withdrawal | 2.5%, min ₹500 | 2.5% of the amount withdrawn, subject to a minimum of Rs. 500 |
| Late payment | Slab-based on the total amount due, as published in BOBCARD's MITC | — |
| Foreign currency markup | 3.5% | — |
Interest only applies if a balance is carried past the due date. Paying in full each month costs nothing, and no reward rate on this card comes close to offsetting the interest if you do not.
Fees exclude GST unless stated. Charges can change — confirm against the issuer's current schedule before applying.
Year one
Rewards only
no welcome value is recorded
Every year after
₹35,000 a year
is what it takes to keep the ₹590 fee off — about ₹2,917 a month
This card carries no airport lounge access.
1% waiver. 1% at all fuel stations across India on transactions between Rs. 400 and Rs. 5,000, up to Rs. 250 per statement cycle
Only RuPay credit cards can be linked to UPI, so this card cannot be used to pay by UPI.
Welcome — once
None
no welcome benefit is recorded for this card
Milestones — every year
2
spend thresholds you can reach again each year
No welcome benefit is recorded.
Spend ₹1 a year — about ₹0 a month
500 reward points on spends of Rs. 5,000 within 60 days of issuance
Spend ₹0 a year — about ₹0 a month
Rs. 500 renewal fee waived on Rs. 35,000 of spend in the preceding anniversary year
Scored against these published criteria only. No bureau pull, and no approval guarantee — the issuer decides.
CredSpy never collects these. You submit them to the issuer during their own application.
No reviews yet
CredSpy publishes only reviews left by real cardholders. Nothing here is generated, bought or seeded — so this stays empty until someone who holds the card writes one.
Bank of BarodaBOBCARD Uni GoldX Credit CardLifetime free
Bank of BarodaIRCTC BOBCARD Credit Card₹350
Bank of BarodaSnapdeal BOBCARD Credit Card₹249
Bank of BarodaBOBCARD SELECT Credit Card₹885
Suryoday Small Finance BankSuryoday SFB FD-Backed Credit Card₹177
IDFC BANKIDFC FIRST Mayura Credit Card₹7,079| Card | Annual fee | Headline rate | Lounge |
|---|---|---|---|
| BOBCARD EASY Credit Card · this card | ₹590 | 1% everything else | No |
| BOBCARD Uni GoldX Credit Card | Lifetime free | Up to 5% rewards | No |
| IRCTC BOBCARD Credit Card | ₹350 | Up to 10% cashback | No |
| Snapdeal BOBCARD Credit Card | ₹249 | Up to 5% cashback | No |
| BOBCARD SELECT Credit Card | ₹885 | Up to 1% cashback | No |
Headline rates are not comparable on their own — each card caps and excludes differently. Run your own spending through the switch calculator to see which of these actually pays you more.
₹590 plus GST, waived on ₹35,000 of annual spend.
The strongest published rate is 1% on everything else, with no stated cap. The calculator above prices your own basket with every cap and exclusion applied.
No — airport lounge access is not offered on this card.
Only RuPay credit cards can be linked to UPI, so this card cannot be used to pay by UPI.
There is no accelerated category. Fuel, groceries, dining and online shopping all earn the same base rate. There is no accelerated category. Fuel, groceries, dining and online shopping all earn the same base rate. There is no accelerated category. Fuel, groceries, dining and online shopping all earn the same base rate.
Redeemed through the issuer's rewards programme as published on the card's product page
You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.
Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?
A late payment fee and interest will be charged. Missing payments can also impact your credit score.
1 reward point per Rs. 100 spent across all categories, with no accelerated rate on any of them. Points redeem for cashback at 1 point = Rs. 0.20, which works out to a 0.2% return on spending.
500 reward points on spends of Rs. 5,000 within 60 days of the card being issued. At the published redemption rate of Rs. 0.20 a point, that is worth Rs. 100.
Yes — 1% at all fuel stations across India on transactions between Rs. 400 and Rs. 5,000, capped at Rs. 250 per statement cycle. Fuel spending earns the ordinary 1 point per Rs. 100 on top.
Bank of Baroda does not publish a minimum age, income or credit score for this card, so eligibility cannot be checked against a figure before applying. Its finance charges are 3.75% a month, or 45% a year.
Yes. Smart EMI is available on purchases above Rs. 2,500, over tenures from 6 to 48 months. As on any card, converting a purchase usually means it earns no reward points, so check before converting a large spend.
Credit card fees, rewards and benefits change. Please verify the latest terms on the issuer's website before applying. CredSpy earns a commission on some applications; it never affects rankings or what is written here.
BOBCARD EASY Credit Card — 1% on everything else. ₹590 a year.