BOBCARD Select Credit Card

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The Bank of Baroda Select Credit Card is a good option for earning rewards on daily spending. It usually has an annual fee of ₹750 plus taxes, but you can get it waived by spending ₹7,500 within the first 60 days.

You earn 1 Reward Point for every ₹100 spent and 5 Reward Points per ₹100 on dining and online shopping. The card also offers a fuel surcharge waiver, helping you save on fuel costs. It’s a great choice for beginners or anyone looking to save on regular expenses. Plus, you can get add-on cards for family members. If you prefer a lifetime-free option, you might also consider the IDFC First Select Credit Card.

Credit Card Detail
BOBCARD Select Credit Card
Joining Fee
Rs. 750.00 +GST
Renewal Fee
Rs. 750.00 +GST
Best Suited For
Shopping
Reward Type
Reward Points
Welcome Benefits
Earn 500 Reward Points on purchases of ₹5,000 or more within 60 days of receiving your card.
Apply Now
Rewards Rate
Earn 1 Reward Point for every ₹100 spent on retail purchases and 5 Reward Points for every ₹100 spent on utility bills, dining, and online shopping.
Reward Redemption
The reward points you earn can be redeemed for cash or a variety of other options.
Movie & Dining
N/A
Travel
N/A
Golf
N/A
Domestic Lounge Access
N/A
International Lounge Access
N/A
Insurance Benefits
Accidental death coverage is included.
Interest Rates
3.25% per month
Spend-Based Waiver
Spend ₹7,500 within 60 days of receiving your card to get the joining fee waived, and spend ₹70,000 to waive the annual fee (for paid variants).
Rewards Redemption Fee
Nil
Cash Advance Charges
A fee of 2.5% of the withdrawn amount or ₹300, whichever is higher.
Foreign Currency Markup
3.50% +GST
Fuel Surcharge
Get a 1% fuel surcharge waiver on fuel transactions between ₹400 and ₹5,000.
Card Details
  • Earn 5 reward points for every ₹100 spent on online and dining purchases, redeemable for cashback and other benefits.
  • Get a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 (max ₹250 per statement cycle).
  • Annual fee waived if you spend ₹7,500 in 60 days or ₹70,000 in a year.
  • Convert purchases above ₹2,500 into EMIs ranging from 6 to 36 months.
  • Get up to 3 lifetime-free add-on cards for family members above 18.
  • Enjoy free personal accidental death coverage for financial security.
  • Report a lost card to avoid liability for fraudulent transactions.
  • Get up to 50 days of interest-free credit from the transaction date.
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Frequently Asked Questions

Can I get add-on credit cards with the BoB Select Credit Card?

Yes, you can request up to 3 additional cards for your spouse, parents, siblings, or children above 18.

Does the BoB Select Credit Card include airport lounge access?

No, this card does not provide access to airport lounges but offers various shopping and lifestyle perks.

How can I apply for the BoB Select Credit Card?

You can apply online through the Bank of Baroda website or visit a nearby branch with the necessary documents.

Is this credit card lifetime free?

No, it comes with an annual fee of ₹750, which may be waived based on spending conditions.

What are the cash withdrawal charges?

A fee of 2.5% of the amount withdrawn (minimum ₹300) is applicable.

What should I do if my card is lost or stolen?

Inform the bank immediately to avoid liability for unauthorized transactions.

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