BOB Premier
81/100
·
₹1,000/yr
•••• •••• •••• ••••
CARD HOLDER
YOUR NAME
EXPIRES
••/••
Bank of Baroda
BOB Premier
VISA
PREMIUM
Premium
VISA
Top Rated
BOB Premier
by Bank of Baroda · Data verified 4 days ago
Premium card with lounge access and travel benefits
81
Score
Based on rewards, fees, benefits & eligibility
₹1K
Fee
Waiver available on spending
2
Reward Pts
Base earn rate (per transaction slab)
0.00%
Cashback
On eligible transactions
2 RP Earn
base reward rate
4 per year Lounges
complimentary
₹1,000/yr
waiver available
81/100
CardSahayak rating
Reward Calculator
How Much Can You Earn?
Calculate your potential rewards with this card
₹
/month
₹10,000
₹5,00,000
Your Annual Benefits
Reward Points
pts
₹
Annual Fee
Card membership
-₹1,000
Net Annual Value
You save per year!
What's Great
- Lounge access
- PSU bank reliability
- Easy fee waiver
Things to Consider
- Basic rewards
- Limited perks
Perfect For
BOB customers
Entry premium users
About This Card
Premium card with lounge access and travel benefits
Annual Fee
₹1,000
Waiver
Waived on spending ₹1,20,000 in every card anniversary year
Joining Fee
₹1,000
Waiver
Waived on spending ₹10,000 in the first 60 days
Other Charges
Interest Rate (APR)
Monthly on outstanding balance
3.75% - 3.75%
Foreign Transaction Fee
Markup on international txns
3.50%
Fuel Surcharge Waiver
Save on fuel transactions
Up to ₹250/mo
Interest-Free Period
On new purchases if paid in full
20 to 50 days
Cash Advance Fee
Fee for cash withdrawal from ATM
2.5% of the transaction amount with a minimum of ₹300
Late Payment Fee
Charged if minimum due not paid on time
Outstanding Due
Penalty
≤₹500
Nil
₹501-₹5,000
₹500
₹5,001-₹10,000
₹750
₹10,001-₹25,000
₹1,000
>₹25,000
₹1,200
Reward Points Validity
How long your earned points remain valid
2 years from earning date
Rent Payment Fee
Surcharge on rent/property payments via card
1% of transaction amount
Card Replacement Fee
Fee for lost or damaged card replacement
₹200
2
Reward Pts
₹0.25
Point Value
0.00%
Cashback
Welcome Bonus
500 bonus reward points on spends of ₹5,000 or more within 60 days of card issuance
Milestone Rewards
Reward Earning by Category
| Category | Reward Rate | Details |
|---|---|---|
| Travel BONUS | 10 pts/₹100 | 10 RP per ₹100 (5X) on Travel transactions (capped 2,000 RP/month) (Cap: 2,000/mo) |
| Dining BONUS | 10 pts/₹100 | 10 RP per ₹100 (5X) on Dining transactions (capped 2,000 RP/month) (Cap: 2,000/mo) |
| Shopping | 2 pts/₹100 | 2 RP per ₹100 on all other spends |
| Fuel | — | 1% fuel surcharge waiver |
Point Value: 1 point = ₹0.25
|
Redemption Fee: ₹200 + GST per request
Domestic Lounges
4 per year
Travel Insurance
₹50L cover
Fuel Savings
₹250/mo
Lost Card Cover
₹0
Add-On Card
Free
Dining
- •Reward points/cashback earned on dining transactions
- •Dining privileges at select partner restaurants
Shopping
- •2X points on eligible spends
- •Contactless (tap-and-pay) enabled
- •EMI conversion on purchases above Rs.2,500
Travel
- •Personal Accident Cover: ₹50 Lakhs (Air), ₹10 Lakhs (Non-Air)
Special Offers & Features
- •Reward Points Validity: 2 years from date of earning
- •Minimum Redemption Threshold: 1,000 Reward Points
EMI Options
- •EMI conversion on purchases above Rs.2,500
- •Tenure: 3, 6, 9, 12 months
Reward Transfer Partners
Etihad Airways
Ratio: 4:1
Min: 5,000 pts
Transfer: 5-7 days
Etihad Guest miles transfer
Card Features
Contactless
✓ Yes
Virtual Card
✗ No
International
✓ Yes
Material
Plastic
Mobile Wallet Support
Google Pay
Apple Pay
Samsung Pay
81
out of 100
CardSahayak Score
"Apply Now" takes you to Bank of Baroda's official website.
Eligibility
Salaried
₹60,000/mo
Self-Employed
₹60,000/mo
Age
25-55 yrs
CIBIL
750+
Employment
Salaried, Self-Employed
Card Variant
Premier
Scores
Rewards
33/100
Fees
94/100
Benefits
50/100
Access
65/100
2 Active Offers
Deals & Offers
Exclusive offers available on BOB Premier
Swiggy
Get 15% instant discount up to ₹100 on food delivery orders on Swiggy using BOBCARD with promo code BOBCARD100.
15%
Till 31 Dec 2026
BOBCARD100
dining
Discount
15% up to ₹100
Min Spend
₹499
Max Savings
₹100
Valid Until
31 Dec 2026
How to Avail
Step 1: Add food items of ₹499+ on Swiggy app.
Step 2: Enter promo code BOBCARD100 on payment page.
Step 3: Pay using BOBCARD (Bank of Baroda Credit Card).
Step 2: Enter promo code BOBCARD100 on payment page.
Step 3: Pay using BOBCARD (Bank of Baroda Credit Card).
Terms & Conditions
Valid on minimum spend of ₹499. Maximum discount ₹100 per transaction. Valid twice per month per cardholder.
Use Code:
BOBCARD100
Visit Offer
Croma
Enjoy instant savings up to ₹3,000 on consumer electronics, smart TVs, and laptops at Croma using BOBCARD credit cards.
₹3,000
Till 31 Dec 2026
shopping
Discount
Up to ₹3,000 Off
Min Spend
₹15,000
Max Savings
₹3,000
Valid Until
31 Dec 2026
How to Avail
Step 1: Shop for electronics at Croma stores or croma.com.
Step 2: Ensure transaction value is ₹15,000 or above.
Step 3: Settle payment using BOBCARD credit card.
Step 2: Ensure transaction value is ₹15,000 or above.
Step 3: Settle payment using BOBCARD credit card.
Terms & Conditions
Valid on minimum transaction of ₹15,000. Maximum discount ₹3,000. Valid on eligible credit cards.
❓ FAQ
Frequently Asked Questions
Everything you need to know about BOB Premier
To be eligible, you need:
- • Min age: 25 years
- • Salaried: ₹60,000/month min
- • Self-employed: ₹60,000/month min
- • CIBIL: 750+ recommended
The annual fee is ₹1,000.
The fee can be waived by Waived on spending ₹1,20,000 in every card anniversary year.
You earn 2 reward points per eligible transaction. Each point is worth approximately ₹0.25.
Welcome bonus: 500 bonus reward points on spends of ₹5,000 or more within 60 days of card issuance on activation!
Redeem for flights, hotels, vouchers via Bank of Baroda rewards portal.
Yes! Complimentary lounge access:
- ✓ Domestic: 4 per year
- → 1 complimentary domestic airport lounge visit per quarter (4 per year) on spending ₹20,000 in previous calendar quarter via Visa
- • Instant: Pre-approved Bank of Baroda customers
- • 24-48 hrs: New customers with documents
- • Delivery: 7-10 working days
Ready to Get Started?
Apply for BOB Premier today and unlock amazing rewards and premium experiences.
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