Bank of Baroda
Bank of Baroda Premier Credit Card
Data last verified: 23 October 2026
- Joining fee₹1,000 + GST
- Annual fee₹1,000 + GST
- Reward rate0.5% base, up to 2.5% on dining
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining fee₹1,000 + GST
- Annual fee₹1,000 + GST
- Fee waiverOn ₹1,20,000 spend a year
- Forex markup3.5%
- Interest (APR)3.75% a month, 45% a year
- Fuel surcharge waiver1%
- Fuel waiver cap₹250 a month
The Premier earns 10 reward points per Rs 100 on travel, dining and foreign currency spends, and 2 points per Rs 100 elsewhere. At about 25 paise a point, that is roughly 2.5% and 0.5% back. You get 500 bonus points after Rs 5,000 of spend in 60 days.
The fee is ₹1,000 a year, waived at ₹1,20,000 of annual spend, which is Rs 10,000 a month. If you eat out and travel regularly, you should clear it without trying.
It suits people who travel within India a few times a year and dine out often. You get one domestic lounge visit each quarter, which needs Rs 20,000 of spend in the previous quarter, plus accident cover up to Rs 10 lakh. The catch is the 3.5% forex markup, which cancels out most of the 2.5% you earn on foreign spends.
Best for: People who dine out often, Domestic travellers, Users wanting a low-fee card with lounge access.
01Bank of Baroda Premier Credit Card Rewards and Benefits
02Bank of Baroda Premier Credit Card Annual Fee and Charges
- Joining fee
- ₹1,000 + GST
- Annual fee
- ₹1,000 + GST
- Spend-based waiver
- Annual fee waived on ₹1,20,000 spend in a year (rent and wallet loads not counted)
- Rewards redemption fee
- Nil
- Forex markup
- 3.5%
- Interest rate
- 3.75% a month (45% a year)
- Fuel surcharge waiver
- Yes, up to ₹250 a month
- Card replacement
- Not published
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹5,000 on dining and food delivery, earning 2.5%₹125
- ₹15,000 on everything else, earning 0.5%₹75
- Back each month, ₹2,400 a year₹200
- Annual fee with 18% GST (waived at this spend)₹0
- In your pocket each year₹2,400
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
Good for
- Dining: 2.5% back, up to ₹500 a month
- Travel: 2.5% back, up to ₹500 a month
- Spending ₹10,000 or more a month: the ₹1,180 fee is waived
- Flyers: 4 airport lounge visits a year
Skip it if…
- you spend less than ₹10,000 a month (₹1,20,000 a year, rent and wallet loads not counted): the ₹1,180 fee is then charged
- most of your spending is fuel, rent, insurance or education: those earn nothing on this card
- you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
- you spend a lot on government payments: the card's terms do not state a rate there, so we count nothing
- you rarely spend on dining, travel or foreign spends: the 2.5% rate applies only there, everything else earns 0.5%
- you often pay in foreign currency: 3.5% is added to every foreign spend
- you sometimes pay only the minimum due: interest of 3.75% a month (45% a year) outweighs any reward
04Product Details
- Joining and annual fee: ₹1,000
- Fee waived on ₹1,20,000 spend in a year
- 10 points per ₹100 on travel, dining and foreign spends
- 2 points per ₹100 on other spends
- 1 domestic lounge visit a quarter, on ₹20,000 spend in the previous quarter
- Personal accident cover up to ₹10 lakh
- Forex markup: 3.5%
05Pros and Cons
Pros
- About 2.5% back on travel and dining
- Reachable fee waiver at ₹1,20,000
- Domestic lounge access for a ₹1,000 card
- UPI enabled
Cons
- 3.5% forex markup eats most of the foreign spend reward
- Accelerated rewards are capped each month
- Lounge visits need ₹20,000 spend in the previous quarter
- No international lounge access
06How Bank of Baroda Premier Credit Card earns Rewards
0.5% base, up to 2.5% on dining.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| UPI payments (scan and pay) | Earns nothing | - | a Visa or Mastercard card cannot pay by UPI |
| Online shopping | 0.5% | No cap | The card's normal rate |
| Dining and food delivery | 2.5% | ₹500, shared with other bonus rates | All merchants in the categoryTerms: 10 reward points per ₹100 (~2.5%) on dining, 5X accelerator, SHARED 2,000-RP cap per statement cycle across dining, travel and international |
| Groceries | 0.5% | No cap | The card's normal rate |
| Travel: flights, hotels, trains | 2.5% | ₹500, shared with other bonus rates | All merchants in the categoryTerms: 10 reward points per ₹100 (~2.5%) on travel, 5X accelerator, SHARED 2,000-RP cap per statement cycle across dining, travel and international |
| Fuel | Earns nothing | - | earns nothing on this card |
| Bills and recharges | 0.5% | No cap | The card's normal rate |
| Rent | Earns nothing | - | earns nothing on this card |
| Insurance premiums | Earns nothing | - | earns nothing on this card |
| School and college fees | Earns nothing | - | earns nothing on this card |
| Wallet top-ups | Earns nothing | - | earns nothing on this card |
| Taxes and government payments | Not stated | - | the card's terms state no rate here; many cards pay nothing on these |
| Spend abroad or in a foreign currency | 2.5% | ₹500, shared with other bonus rates | All merchants in the categoryTerms: 10 reward points per ₹100 (~2.5%) on international spends, SHARED 2,000-RP cap per statement cycle across dining, travel and international |
| Everything else | 0.5% | No cap | The card's normal rate |
Terms on the base rate. 2 reward points per ₹100 (~0.5%) on all other spends
Point value. 1 point is worth about ₹0.25 at the bank's stated value.
07Bank of Baroda Premier Credit Card Lounge Access and Travel
Domestic lounge access is 4 visits a year. Spend Rs 20,000 in the previous quarter for domestic lounge access. Spending abroad carries a 3.5% forex markup; rewards on it: 2.5% back. See what it costs on your trip
Also on the card. fuel surcharge waiver, insurance cover, airport lounge access.
- Fuel surcharge waiver: 1% fuel surcharge waiver on ₹400 to ₹5,000 fuel transactions, max ₹250 per statement cycle. Fuel spends earn no reward points
- Insurance cover: Personal accident cover withdrawn for cards issued after 15-Jul-2026 (existing cardholders covered only until 25-Aug-2026)
- Airport lounge access: 1 complimentary domestic airport lounge visit every calendar quarter. Since 1 Jan 2025 each visit requires at least ₹20,000 of spend in the PRECEDING calendar quarter, so a quiet quarter costs you the next one's visit
08Bank of Baroda Premier Credit Card Eligibility and Documents
- Age
- 25 to 55 years
- Employment
- Salaried or self-employed
- Minimum monthly income
- ₹60,000
Documents. PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph
09Recent Changes
What Bank of Baroda changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 15 Jul 2026 | Reduced: Complimentary accidental death insurance withdrawnSource: Bank of Baroda | Air ₹50 lakh + non-air ₹10 lakh accidental death cover | No complimentary accidental death cover |
| 1 Apr 2026 | Reduced: Processing fees added on toll/bus, high-value rail and third-party education spendsSource: Bank of Baroda | None | 1% (toll/bus ≥₹5,000; rail ≥₹30,000; 3rd-party education apps, each max ₹5,000) |
| 1 Jul 2025 | Reduced: Finance charge raised to 3.75% per monthSource: Bank of Baroda | 3.25% per month (39% p.a.) | 3.75% per month (45% p.a.) |
| 1 Jul 2025 | Reduced: Minimum redemption raised to 1,000 pointsSource: Bank of Baroda | Lower / no fixed minimum | 1,000 points minimum |
| 1 Jul 2025 | Changed: Utility bill payments earn reward points againSource: Bank of Baroda | No reward points on utility bills | Core reward points restored on utility bills |
See this card's change history → · All card changes in July 2026 →
10Cards Similar to Bank of Baroda Premier Credit Card
Bank of Baroda Premier Credit Card is a dining card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | Bank of Baroda Premier Credit Card |  HSBC Live Plus Credit Card |  SBI BPCL Credit Card |
|---|---|---|---|
| Joining fee | ₹1,000 + GST | ₹999 + GST | ₹499 + GST |
| Annual fee | ₹1,000 + GST | ₹999 + GST | ₹499 + GST |
| Rewards | 0.5% base, up to 2.5% on dining | 1.5% base, up to 10% on dining | 0.25% base, up to 1.25% on dining; 3.25% only at partner merchants |
| Domestic lounge | 4 visits a year | 2 visits a year | Not included |
| Forex markup | 3.5% | 1.99% | 3.5% |
| Type | Dining | Dining | Fuel |
11Explore More
Card facts last verified 23 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
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Common Questions
Is the ₹1,000 fee waived?
Yes, once you spend ₹1,20,000 in a year. Below that the fee is charged.
How do lounge visits work?
You get one domestic lounge visit a quarter if you spent ₹20,000 in the previous quarter.
What is a reward point worth?
About 25 paise, so 10 points per ₹100 is roughly 2.5% back.
Who can apply?
Applicants aged 25 to 55 with a monthly income of about ₹60,000.
What is the joining fee for the Bank of Baroda Premier Credit Card?
The joining fee is ₹1,000 + GST. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the Bank of Baroda Premier Credit Card?
The annual fee is ₹1,000 + GST.
Does the Bank of Baroda Premier Credit Card give airport lounge access?
Yes. Domestic lounge access is 4 visits a year. Check the bank's page for the current rules, because lounge programmes change.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with Bank of Baroda. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
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