BOBCARD Premier Credit Card

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The Bank of Baroda Premier Credit Card, issued by BoB Financial, comes with several benefits and is currently available as a lifetime free card for a limited time. Normally, it has a joining and annual fee of ₹1,000. You can earn up to 10 reward points per ₹100 spent on dining, travel, and international transactions, while other spends earn 2 points per ₹100. These points can be used for rewards like cash credit. The card also gives free access to select airport lounges in India.

Apart from travel perks, the card offers a fuel surcharge waiver and personal accident insurance. It can also be linked to UPI apps like Google Pay and PhonePe for easy payments. With 5X reward points on travel, dining, and international spending, this card is a great choice for frequent travelers. The extra rewards and free lounge access make it valuable, especially for those who travel often. It also comes with a good reward rate and lifestyle benefits.

Credit Card Detail
Bank of Baroda Premier Credit Card
Joining Fee
Rs. 0.00 +GST
Renewal Fee
Rs. 0.00 +GST
Best Suited For
Travel | Dining
Reward Type
Reward Points
Welcome Benefits
Earn 500 reward points when you spend Rs. 5,000 or more within the first 60 days of getting your card.
Apply Now
Rewards Rate
Earn 10 reward points for every Rs. 100 spent on dining, travel, and international transactions. Get 2 reward points for every Rs. 100 spent on all other eligible purchases.
Reward Redemption
1 RP = Rs.0.25
Movie & Dining
N/A
Travel
N/A
Golf
N/A
Domestic Lounge Access
Enjoy 1 free domestic airport lounge access every quarter.
International Lounge Access
N/A
Insurance Benefits
Personal Accidental Death Cover
Interest Rates
3.25% per month (39% per year)
Spend-Based Waiver
Get your fee waived if you spend Rs. 1,20,000 in a year (for the paid version).
Rewards Redemption Fee
Nil
Cash Advance Charges
A fee of 2.5% will be charged on the amount withdrawn, with a minimum fee of Rs. 300.
Foreign Currency Markup
3.50% +GST
Fuel Surcharge
1% waiver on fuel transactions between Rs. 400 and Rs. 5,000.
Card Details
  • Enjoy up to 50 days of interest-free credit on purchases.
  • Pay only the minimum due and carry forward the remaining balance.
  • Get free access to select domestic airport lounges.
  • Save on fuel with a 1% surcharge waiver.
  • Benefit from free personal accident insurance.
  • Report a lost card within 24 hours to avoid fraudulent charges.
  • Convert purchases above ₹2,500 into easy EMIs of 6 or 12 months.
  • Get up to 3 lifetime-free add-on cards for family members (18+).
  • Spend ₹10,000 in the first 60 days to get your joining fee refunded.
  • Spend ₹1.2 lakh in a year to waive the annual fee.
  • Access over 35 airport lounges in 22 Indian cities.
  • Get 24/7 concierge assistance for bookings and reservations.
  • Earn 1 reward point per ₹100 spent.
  • Get 5X points on travel, dining, and international spends.
  • Redeem points for cashback, gift vouchers, and more.
Pros/Cons
Pros
- This is a fantastic lifetime-free credit card that gives good rewards and free access to airport lounges across the country. It's an excellent choice for making the most of various Bank of Baroda Credit Card offers.
Cons
- This card gives extra reward points on international purchases, but a 3.5% Forex markup fee will apply to these transactions. Also, the 5X reward points are limited to a maximum of 2,000 points per month.
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Frequently Asked Questions

Can I earn reward points on international spending?

Yes, you will earn 5X reward points for every ₹100 you spend on international purchases. This means if you use your card for shopping, travel, or any other expenses abroad, you will get five times more reward points compared to regular spending.

Who can get the joining/annual fee waived?

The fee waiver is only available to cardholders with a good payment history. If you miss payments or default on your credit card bill, you may not be eligible for this benefit.

Can I carry forward my balance instead of paying in full?

Yes, this card allows you to pay only the minimum due amount and carry forward the remaining balance to the next month. However, interest charges will apply until you clear the full amount.

How do I apply for this credit card through SMS?

To apply, simply type ‘Apply’ and send it to 9223990624. You will get a response from the bank with further steps.

Do I need to pay extra for add-on credit cards?

No, you can get supplementary credit cards for family members at no extra cost. These add-on cards come with the same benefits as the main card.

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