Bank of Baroda (BoB) offers a diverse range of credit cards to meet the needs of various customer profiles. Whether you are looking for premium benefits, fuel savings, or cashback, BoB has a card tailored for you.
This guide provides an overview of the features, rewards, fees, and benefits of BoB Credit Cards, helping you make an informed choice.
Travel | Dining
Reward Points
Shopping | Food
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Shopping
Reward Points
Shopping
Reward Points
Travel | Shopping
Reward Points
Travel | Shopping | Food
Reward Points
Travel
Reward Points
Travel | Shopping
Reward Points
Card Name | Best For | Key Benefits | Reward Rate | Annual Fee |
BoB Eterna Credit Card | Premium Lifestyle | Complimentary lounge access, milestone rewards | 3.33% value back on online spends | INR 2,499 |
BoB Premier Credit Card | High-Spend Benefits | Higher credit limits, reward points | 2 Reward Points per INR 100 spent | INR 1,000 |
BoB Easy Credit Card | Everyday Spends | Cashback on groceries, dining, and more | 0.5% cashback on all spends | INR 500 |
BoB Select Credit Card | Travel & Dining | Accelerated rewards on travel and dining | 4 Reward Points per INR 100 spent | INR 750 |
IRCTC BoB RuPay Card | Travel Savings | Discounts on train tickets and fuel | 1% transaction fee waiver on IRCTC spends | INR 500 |
Card Name | Reward Rate | How to Redeem |
BoB Eterna Credit Card | 3.33% value back on online spends | Redeem for travel, vouchers, or cashback |
BoB Premier Credit Card | 2 Reward Points per INR 100 spent | Adjust points for travel or merchandise |
BoB Easy Credit Card | 0.5% cashback on all spends | Redeem for statement credits |
BoB Select Credit Card | 4 Reward Points per INR 100 on travel & dining | Convert to vouchers or cashback |
IRCTC BoB RuPay Card | 1% transaction fee waiver on IRCTC spends | Use for train ticket discounts |
Fee Type | Details |
Annual Fee | INR 500 to INR 2,499 based on the card type |
Late Payment Fee | INR 100 to INR 1,300 based on outstanding balance |
Foreign Transaction Fee | 3.5% on all international transactions |
Cash Advance Fee | 2.5% of the withdrawn amount (min INR 300) |
Interest Rate | Up to 3.5% per month (42% per annum) |
Bank of Baroda Credit Cards cater to a wide range of customers, offering excellent rewards, travel benefits, and affordability. Whether you are a frequent traveler, a high spender, or someone who values everyday savings, BoB has a card for you. Compare the options above and pick the one that suits your lifestyle today!
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