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Bank of Baroda
5X on online and dining, first year free, and the fee waived at Rs. 70,000 of annual spend
One-time
Waived on ₹70,000/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
3 reward rates 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 fromOnline shopping
No published ceiling on this tier
Dining
No published ceiling on this tier
Everything else
No published ceiling on this tier
The issuer publishes no earning exclusions for this card All exclusions
Data-driven verdict based on net earnings after fees and caps.
Key strength
5% on Online shopping — 5X the base rate. 1 Reward Point = Rs. 0.20., with no stated cap.
Biggest limitation
Bank of Baroda states an age window of 25 to 55 for this card, with anything outside it at its own discretion — one of the narrowest in the catalogue.
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.
5 pts
uncappedOnline shopping
5X the base rate. 1 Reward Point = Rs. 0.20.
5 pts
uncappedDining
1 pts
uncappedEverything else
| Charge | Amount | Condition |
|---|---|---|
| Joining fee | ₹0 | — |
| Annual / renewal fee | ₹885 | Nil in the first year. Rs. 750 from the second year, waived on spends of Rs. 70,000 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| Cash withdrawal | 2.5%, min ₹500 | 2.5% of the amount withdrawn, subject to a minimum of Rs. 500 |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
₹70,000 a year
is what it takes to keep the ₹885 fee off — about ₹5,833 a month
This card carries no airport lounge access.
No fuel surcharge waiver is published for this card.
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
1
spend threshold you can reach again each year
No welcome benefit is recorded.
Spend ₹1 a year — about ₹0 a month
Rs. 750 renewal fee waived at Rs. 70,000 of annual spend
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 EASY Credit Card₹590
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 SELECT Credit Card · this card | ₹885 | 5% online shopping | 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 EASY Credit Card | ₹590 | Up to 0.2% 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.
₹885 plus GST, waived on ₹70,000 of annual spend.
The strongest published rate is 5% on online shopping, 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.
The issuer publishes no earning exclusions for this card The issuer publishes no earning exclusions for this card. The issuer publishes no excluded spend categories for this card.
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.
5X reward points on online and dining, and 1 point per Rs. 100 elsewhere. Points redeem for cashback at Rs. 0.20 each, so 5X works out at roughly 1% back on those two categories and 0.2% on everything else.
Bank of Baroda states that applicants must be Indian residents between 25 and 55 years of age, with lower and higher cut-offs considered at its own discretion. That is a narrower window than almost any other card in our catalogue. No credit score figure is published.
No lounge access is published for this card. Some other BOBCARD variants include it; this one does not.
EASY has no accelerated category and a Rs. 500 fee waived at Rs. 35,000 of spend. SELECT pays 5X on online and dining, costs Rs. 750, and needs Rs. 70,000 of spend for the waiver. If a meaningful share of your spending is online or on eating out, SELECT pays more; if not, EASY costs less to hold.
3.75% a month, which Bank of Baroda annualises to 45%, as on its other cards apart from the Micro Enterprise card. The interest-free grace period ranges from 20 to 50 days depending on when in the cycle you spend, provided there is no previous outstanding.
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 SELECT Credit Card — 5% on online shopping. ₹885 a year.