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.


BOBCARD Premier Credit Card

Joining Fee

Lifetime Free (Limited Time Offer)

Renewal Fee

Lifetime Free (Limited Time Offer)

Best Suited For

Travel | Dining

Reward Type

Reward Points

Welcome Benefits

500 Reward Points on Spends of ₹5,000 or More in the First 60 Days of Card Issuance


BOBCARD Easy Credit Card

Joining Fee

Nil

Renewal Fee

Nil

Best Suited For

Shopping | Food

Reward Type

Reward Points

Welcome Benefits

500 Reward Points on Spends of ₹5,000 Within 60 Days of Card Issuance


BOBCARD Select Credit Card

Joining Fee

Lifetime Free (Limited Time Only)

Renewal Fee

Lifetime Free (Limited Time Only)

Best Suited For

Shopping

Reward Type

Reward Points

Welcome Benefits

500 Reward Points on Spends of ₹5,000 or More Within 60 Days of Card Issuance


SNAPDEAL BOBCARD Credit Card

Joining Fee

Rs. 249 + GST

Renewal Fee

Rs. 249 + GST

Best Suited For

Shopping

Reward Type

Reward Points

Welcome Benefits

Get a Snapdeal gift voucher worth up to Rs. 500 as a welcome benefit.


Indian Army YODDHA BOBCARD Credit Card

Joining Fee

Nil

Renewal Fee

Nil

Best Suited For

Travel | Shopping

Reward Type

Reward Points

Welcome Benefits

Get 6-Month Complimentary Fitpass Pro Membership


BOBCARD Tiara Credit Card

Joining Fee

₹2,499 + GST

Renewal Fee

₹2,499 + GST

Best Suited For

Travel | Shopping | Food

Reward Type

Reward Points

Welcome Benefits

Free Swiggy One (3 Months), FitPass Pro, Amazon Prime/Disney Hotstar and Gaana Plus Memberships


IRCTC RuPay BOBCARD Credit Card

Joining Fee

Rs. 500 + GST

Renewal Fee

Rs. 350 + GST

Best Suited For

Travel

Reward Type

Reward Points

Welcome Benefits

500 Bonus Reward Points on Spending ₹5,000 Within the First 60 Days of Card Issuance


BOBCARD ETERNA Credit Card

Joining Fee

Rs. 2,499 + GST

Renewal Fee

Rs. 2,499 + GST

Best Suited For

Travel | Shopping

Reward Type

Reward Points

Welcome Benefits

6-month FitPass Pro membership worth Rs. 15,000 and 10,000 bonus reward points.


 

Why Choose Bank of Baroda Credit Cards?

  • Versatile Options: Choose from cards offering travel, lifestyle, fuel, and cashback benefits.
  • Attractive Rewards: High reward points on everyday and premium expenses.
  • Affordable Fees: Competitive annual charges with great value for money.
  • Global Acceptance: Widely accepted at merchant outlets worldwide.

 

Bank of Baroda Credit Card Comparison Table

Card NameBest ForKey BenefitsReward RateAnnual Fee
BoB Eterna Credit CardPremium LifestyleComplimentary lounge access, milestone rewards3.33% value back on online spendsINR 2,499
BoB Premier Credit CardHigh-Spend BenefitsHigher credit limits, reward points2 Reward Points per INR 100 spentINR 1,000
BoB Easy Credit CardEveryday SpendsCashback on groceries, dining, and more0.5% cashback on all spendsINR 500
BoB Select Credit CardTravel & DiningAccelerated rewards on travel and dining4 Reward Points per INR 100 spentINR 750
IRCTC BoB RuPay CardTravel SavingsDiscounts on train tickets and fuel1% transaction fee waiver on IRCTC spendsINR 500

 

Rewards Comparison Chart

Card NameReward RateHow to Redeem
BoB Eterna Credit Card3.33% value back on online spendsRedeem for travel, vouchers, or cashback
BoB Premier Credit Card2 Reward Points per INR 100 spentAdjust points for travel or merchandise
BoB Easy Credit Card0.5% cashback on all spendsRedeem for statement credits
BoB Select Credit Card4 Reward Points per INR 100 on travel & diningConvert to vouchers or cashback
IRCTC BoB RuPay Card1% transaction fee waiver on IRCTC spendsUse for train ticket discounts

 

Annual Fees and Charges

Fee TypeDetails
Annual FeeINR 500 to INR 2,499 based on the card type
Late Payment FeeINR 100 to INR 1,300 based on outstanding balance
Foreign Transaction Fee3.5% on all international transactions
Cash Advance Fee2.5% of the withdrawn amount (min INR 300)
Interest RateUp to 3.5% per month (42% per annum)

 

How to Apply for a Bank of Baroda Credit Card?

  1. Visit the official Bank of Baroda website.
  2. Explore the range of available credit cards.
  3. Fill out the online application form with your details.
  4. Upload necessary documents like ID proof and income proof.
  5. Submit your application and track its status online.

 

Final Thoughts

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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