Bank of Baroda
BOBCARD Select Credit Card
Data last verified: 11 October 2026
- Joining fee₹750 + GST
- Annual fee₹750 + GST
- Reward rate0.2% base, up to 1% on dining
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- Joining fee₹750 + GST
- Annual fee₹750 + GST
- Fee waiverOn ₹70,000 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 Select card earns 5 reward points per Rs 100 on utility bills, dining and online purchases, and 1 point per Rs 100 on other retail spends. Points are worth about 20 paise each, so that is roughly 1% and 0.2% back. There are 500 bonus points after Rs 5,000 of spend in 60 days.
The fee is ₹750 a year, waived at ₹70,000 of annual spend. That is about Rs 6,000 a month, which most people who pay bills on the card will clear.
It suits salaried users who pay utility bills and order online and want free accident cover of up to Rs 15 lakh. The catch is the low point value. Even on bonus categories the return is about 1%, with a monthly cap, and the 3.5% forex markup is high.
Best for: People who pay utility bills by card, Online shoppers on a budget, Diners who want some rewards.
01BOBCARD Select Credit Card Rewards and Benefits
02BOBCARD Select Credit Card Annual Fee and Charges
- Joining fee
- ₹750 + GST
- Annual fee
- ₹750 + GST
- Spend-based waiver
- Annual fee waived on ₹70,000 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 1%₹50
- ₹15,000 on everything else, earning 0.2%₹30
- Back each month, ₹960 a year₹80
- Annual fee with 18% GST (waived at this spend)₹0
- In your pocket each year₹960
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
- Online shopping: 1% back, up to ₹200 a month
- Dining: 1% back, up to ₹200 a month
- Spending ₹5,833 or more a month: the ₹885 fee is waived
Skip it if…
- you spend less than ₹5,833 a month (₹70,000 a year, rent and wallet loads not counted): the ₹885 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 online shopping or dining: the 1% rate applies only there, everything else earns 0.2%
- 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: ₹750
- Fee waived on ₹70,000 spend in a year
- 5 points per ₹100 on utility bills, dining and online shopping
- 1 point per ₹100 on other retail spends
- 500 bonus points on ₹5,000 spend in 60 days
- Personal accident cover up to ₹15 lakh
- Forex markup: 3.5%
05Pros and Cons
Pros
- Reachable fee waiver at ₹70,000
- Bonus points on bills, dining and online spends
- UPI enabled
- Free personal accident cover
Cons
- About 1% at best, and capped monthly
- Only about 0.2% on regular retail
- 3.5% forex markup
- No lounge access
06How BOBCARD Select Credit Card earns Rewards
0.2% base, up to 1% 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 | 1% | ₹200, shared with other bonus rates | All merchants in the categoryTerms: 5X, 5 reward points per ₹100 (~1% at ₹0.20/point) on online spends. Capped at 1,000 points per cycle, SHARED with dining. UPI and utility (MCC 4900) spends are excluded from the 5X rate |
| Dining and food delivery | 1% | ₹200, shared with other bonus rates | All merchants in the categoryTerms: 5X, 5 reward points per ₹100 (~1% at ₹0.20/point) on dining (MCC 5812). The 5X earn is capped at 1,000 points per statement cycle, SHARED with online; beyond that, spends earn the 1 RP/₹100 base |
| Groceries | 0.2% | No cap | The card's normal rate |
| Travel: flights, hotels, trains | 0.2% | No cap | The card's normal rate |
| Fuel | Earns nothing | - | earns nothing on this card |
| Bills and recharges | 0.2% | 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 | 0.2% | No cap | The card's normal rate |
| Everything else | 0.2% | No cap | The card's normal rate |
Terms on the base rate. 1 reward point per ₹100 (~0.2% at ₹0.20/point) on other spends, the same base rate as the cheaper BOBCARD Easy
Point value. 1 point is worth about ₹0.2 at the bank's stated value.
07BOBCARD Select Credit Card Travel Benefits
Spending abroad carries a 3.5% forex markup; rewards on it: 0.2% back (the normal rate). See what it costs on your trip
Also on the card. fuel surcharge waiver, insurance cover.
- Fuel surcharge waiver: 1% fuel surcharge waiver on ₹400 to ₹5,000 fuel transactions, max ₹250 per statement cycle. Fuel spends themselves earn no reward points
- Insurance cover: Personal accident cover (₹15 lakh air / ₹5 lakh non-air) withdrawn for cards issued after 15-Jul-2026 (existing cardholders covered only until 25-Aug-2026). BOB's page still advertises it, the dated MITC governs
08BOBCARD Select Credit Card Eligibility and Documents
- Age
- 25 to 55 years
- Employment
- Salaried or self-employed
- Minimum monthly income
- ₹40,000
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: Accidental death insurance withdrawnSource: Bank of Baroda | ₹15 lakh air + ₹5 lakh non-air accidental death cover | Withdrawn |
| 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 BOBCARD Select Credit Card
BOBCARD Select 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 | BOBCARD Select Credit Card |  HSBC Live Plus Credit Card |  SBI BPCL Credit Card |
|---|---|---|---|
| Joining fee | ₹750 + GST | ₹999 + GST | ₹499 + GST |
| Annual fee | ₹750 + GST | ₹999 + GST | ₹499 + GST |
| Rewards | 0.2% base, up to 1% 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 | Not included | 2 visits a year | Not included |
| Forex markup | 3.5% | 1.99% | 3.5% |
| Type | Dining | Dining | Fuel |
11Explore More
Card facts last verified 11 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 ₹750 fee waived?
Yes, once you spend ₹70,000 in a year. Below that the fee is charged.
What is a reward point worth?
About 20 paise, so the 5X categories return roughly 1%.
Is there insurance?
Yes, personal accident cover of up to ₹15 lakh.
Who can apply?
Applicants aged 25 to 55 with a monthly income of about ₹40,000.
What is the joining fee for the BOBCARD Select Credit Card?
The joining fee is ₹750 + 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 BOBCARD Select Credit Card?
The annual fee is ₹750 + GST.
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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Guides in Plain Words
Short reads that explain how it works before you decide.
- GuidesBest Credit Cards Under ₹500 a Year in India (2026)Credit cards with an annual fee of ₹500 or less (before GST) in 2026, ranked by the reward rate each bank states, with fee waivers.Read the guide →
GuidesNo-Cost EMI: What It Really Costs You, With a Worked ExampleNo-cost EMI is not a trick, but it is rarely free. Here is where the money goes: the discount you give up, the processing fee, and GST on the interest, worked out on a Rs 30,000 phone.Read the guide →- GuidesBest Online Shopping Credit Cards in India (2026)The credit cards that pay the most back on online shopping in 2026, which sites count, the monthly cap and the annual fee.Read the guide →
