BOBCARD Select Credit Card
Card Overview
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 get 1 reward point for every ₹100 you spend. For dining and online shopping, you earn 5 points for every ₹100. Plus, the card removes extra charges on fuel, so you save money at petrol pumps. 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.
Card Details
- Earn 5 reward points for every ₹100 spent on online and dining purchases, redeemable for cashback and other benefits.
- You’ll get back the 1% fuel surcharge on payments between ₹400 and ₹5,000, up to ₹250 in each billing cycle.
- Annual fee waived if you spend ₹7,500 in 60 days or ₹70,000 in a year.
- You can turn any purchase over ₹2,500 into easy monthly payments for 6 to 36 months.
- You can get up to 3 free extra cards for family members who are 18 or older.
- Enjoy free personal accidental death coverage for financial security.
- Report a lost card to avoid liability for fraudulent transactions.
- You can enjoy up to 50 days without paying any interest from the day you make a purchase.
Features & Benefits
BOBCARD Select Credit Card – Key Features, Rewards & Benefits
The BOBCARD Select Credit Card is a lifetime-free credit card in India designed for users who want simple rewards, basic savings, and easy credit usage. It is mainly useful for everyday spending such as online shopping, dining, and regular purchases.
This explains its features, reward system, fees, eligibility, application process, pros and cons, and real-life usage examples in very simple language.
What is BOBCARD Select Credit Card?
BOBCARD Select Credit Card is an entry-level rewards credit card that helps users earn points on their spending. It is best suited for people who want a no-annual-fee credit card with basic reward benefits.
It is especially useful for:
- Online shoppers
- Food delivery users
- Beginners in credit cards
- Salaried and self-employed individuals
BOBCARD Select Credit Card Reward System
The reward system is straightforward and easy to understand.
- Earn 1 Reward Point per ₹100 on normal spending
- Earn 5 Reward Points per ₹100 on online shopping and dining
- Fuel transactions are not eligible for rewards
- Maximum 1,000 bonus reward points per month on 5X category
This makes it more beneficial for digital spending rather than fuel-based usage.
Reward Value and Redemption
Reward points can be converted into cash or other redemption options.
1 Reward Point = ₹0.20 value
Example: If you collect 1,000 reward points, you get around ₹200 value.
Real-Life Example of Earnings
Let’s understand with a simple example:
If you spend:
- ₹8,000 on Swiggy/Zomato
- ₹12,000 on Amazon/Flipkart
You will earn:
- Higher reward points from online and dining spends
- Approx. ₹150–₹300 value depending on usage pattern
This shows that regular online users can benefit more.
Key Features of BOBCARD Select Credit Card
This card offers basic but useful features:
- Lifetime free (no annual or joining fee)
- Reward points on daily spending
- Fuel surcharge waiver
- Basic insurance coverage
Fuel Surcharge Waiver Benefit
This card also helps save money on fuel:
- 1% fuel surcharge waiver
- Applicable on transactions between ₹400 and ₹5,000
- Maximum saving: ₹250 per month
This benefit is useful for regular petrol users.
BOBCARD Select Credit Card Fees and Charges
Before applying, you should understand the charges:
- Interest rate: 3.75% per month on unpaid dues
- Forex markup fee: 3.5% on international spending
- Cash withdrawal fee is 2.5% of the withdrawn amount or ₹500, whichever amount is greater
- Add-on card: Free of cost
👉 Tip: Always pay your full bill on time to avoid high interest charges.
Eligibility Criteria
To apply for this credit card, you must:
- Be at least 21 years old (18 years for add-on users)
- Be salaried or self-employed
- Have a good credit score
A stable income increases approval chances.
How to Apply for BOBCARD Select Credit Card
Application process is fully online:
- Visit official BOBCARD website
- Click on “Apply Now”
- Enter personal and income details
- Upload required documents
- Submit application
Approval depends on credit profile verification.
Pros and Cons of BOBCARD Select Credit Card
| Pros (Advantages) | Cons (Limitations) |
|---|---|
| Lifetime free credit card | No rewards on fuel spends |
| Good rewards on online shopping & dining | Monthly cap on 5X reward points |
| Easy reward system | No premium travel benefits |
| Fuel surcharge savings | High forex fee on international transactions |
| Suitable for beginners | Limited lifestyle and luxury perks |
| Cashback-like redemption value | Interest charges are high if unpaid |
Who Should Use This Credit Card?
This card is ideal for:
- Beginners starting credit journey
- People who shop online frequently
- Users ordering food via apps like Swiggy/Zomato
- Salaried employees looking for free credit cards
Who Should Avoid This Card?
You should avoid it if:
- You spend heavily on fuel
- You travel internationally often
- You want airport lounge or premium benefits
BOBCARD Select Credit Card Review
The BOBCARD Select Credit Card is a simple and budget-friendly credit card in India. It is best for users who want basic rewards without paying annual fees. It offers good value when you spend on online shopping and eating out, which makes it helpful for regular daily expenses. However, it is not designed for premium benefits or luxury travel perks.
If you want a lifetime-free credit card with easy rewards and simple usage, BOBCARD Select Credit Card can be a good option for your financial needs in 2026.
Reality Check Feedback
What should you consider before applying for a credit card in India?
Before applying for a credit card in India, consider the following factors:
- Eligibility Criteria: Check the age, income, credit score, and employment status requirements set by the bank or financial institution.
- Credit Score: A higher credit score increases your chances of approval and may result in better offers. Ensure your credit score is in good standing.
- Interest Rates and Fees: Compare annual percentage rates (APR), processing fees, late payment penalties, and foreign transaction fees. These can vary significantly between cards.
- Rewards and Benefits: Look for cards that offer rewards, cashback, discounts, or other perks that align with your spending habits.
- Credit Limit: Make sure the credit limit offered is in line with your financial needs. Avoid over-borrowing, which can lead to high-interest charges.
- Repayment Terms: Understand the repayment options, minimum payment amount, and due dates. Consider how easily you can manage timely payments to avoid interest accumulation.
- Card Type and Features: Choose a card type (e.g., standard, premium, travel, etc.) based on your requirements. Some cards offer more benefits for specific categories like travel, shopping, or dining.
- Bank’s Reputation: Opt for a bank with a good track record of customer service and transparency. Read reviews and consider their customer support accessibility.
- Hidden Charges: Be aware of any hidden fees, such as annual fees, balance transfer charges, and cash withdrawal fees.
- Credit Utilization: Ensure you can manage your spending within the credit limit to maintain a healthy credit utilization ratio, which impacts your credit score.
- Long-Term Financial Plans: Think about how the credit card will fit into your long-term financial goals and avoid accumulating unnecessary debt.
- 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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