BOBCARD SELECT
77/100
·
₹750/yr
•••• •••• •••• ••••
CARD HOLDER
YOUR NAME
EXPIRES
••/••
Bank of Baroda
BOBCARD SELECT
Visa
Rewards
VISA
BOBCARD SELECT
by Bank of Baroda · Data verified 5 days ago
Rewards card with 5X on online shopping, dining, and utilities.
77
Score
Based on rewards, fees, benefits & eligibility
₹750
Fee
Waiver available on spending
1
Reward Pts
Base earn rate (per transaction slab)
0.00%
Cashback
On eligible transactions
1 RP Earn
base reward rate
No Lounges
complimentary
₹750/yr
waiver available
77/100
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
-₹750
Net Annual Value
You save per year!
What's Great
- 5X Reward Points (5 RP per ₹100) on dining, online shopping, and utility bill payments
- Low annual fee of ₹750 easily waivable on ₹70,000 annual spend
- Joining fee of ₹750 reversed on spending ₹7,500 within first 60 days
- 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 (up to ₹250/month)
- Complimentary Air Accident insurance cover of ₹15 Lakhs and Non-Air cover of ₹5 Lakhs
Things to Consider
- Accelerated 5X rewards capped at 1,000 points per billing cycle
- No complimentary airport lounge access included
- Standard 3.5% foreign currency markup on international transactions
Perfect For
Online shoppers
Dining enthusiasts
Utility bill payers
About This Card
BOB Select Credit Card earns 5X reward points on online shopping, dining, and utility bills (capped at 1,000 RP per cycle), 1 RP per Rs.100 on other spends. Rs.750 fee waived on Rs.70,000 annual spend.
Annual Fee
₹750
Waiver
Waived on spending ₹70,000 or more in an anniversary year
Joining Fee
FREE
Zero joining fee (first-year free)
Other Charges
Interest Rate (APR)
Monthly on outstanding balance
3.25% - 3.49%
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 transaction amount, min ₹300 (domestic)
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
Card Replacement Fee
Fee for lost or damaged card replacement
₹200
1
Reward Pts
₹0.20
Point Value
0.00%
Cashback
Welcome Bonus
500 bonus points on Rs.5,000 spend in 60 days
Milestone Rewards
Reward Earning by Category
| Category | Reward Rate | Details |
|---|---|---|
| Online BONUS | 5 pts/₹100 | 5X on online shopping, dining, utilities (cap 1,000 RP/cycle) |
| Other | 1 pts/₹100 | 1 RP per Rs.100 on other spends |
Point Value: 1 point = ₹0.20
|
Redemption Fee: ₹200 + GST per request
Travel Insurance
₹15L cover
Fuel Savings
₹250/mo
Lost Card Cover
₹0
Add-On Card
Free
Dining
- •5X Reward Points (5 points per ₹100 spent) on all dining transactions (capped at 1,000 accelerated points per statement cycle)
- •Special dining discounts and culinary privileges across partner restaurants under Bank of Baroda Dining Delights
Shopping
- •5X Reward Points (5 points per ₹100 spent) on all online shopping transactions
- •1 Reward Point per ₹100 spent on all other retail transactions (1 RP = ₹0.25 cashback/redemption value)
- •Easy Smart EMI conversion for any purchase transaction of ₹2,500 and above via BOBCARD app
Travel
- •1% fuel surcharge waiver on fuel transactions between ₹400 and ₹5,000 (maximum waiver ₹250 per statement cycle)
- •Personal Accidental Death Insurance cover of ₹15 Lakhs for Air travel and ₹5 Lakhs for Non-Air accidents
- •Zero lost card liability upon immediate reporting of lost or stolen card
Partner Benefits
- •Exclusive merchant promotions and seasonal discounts on leading e-commerce platforms
- •BOBCARD SmartDeal portal access for accelerated rewards on travel and lifestyle bookings
Reward Exclusions
- ✕ Fuel transactions
Special Offers & Features
- •Welcome Gift: 500 bonus reward points on spending ₹5,000 within 60 days of issuance
- •Zero lost card liability protection for immediate loss reporting
- •Up to 3 lifetime-free add-on cards for spouse, parents, or adult children
EMI Options
- •Smart EMI: Convert purchases above ₹2,500 into EMIs of 6 to 48 months
Card Features
Contactless
✓ Yes
Virtual Card
✗ No
International
✓ Yes
Material
Plastic
77
out of 100
CardSahayak Score
"Apply Now" takes you to Bank of Baroda's official website.
Eligibility
Salaried
₹480,000/mo
Self-Employed
₹480,000/mo
Age
21-65 yrs
CIBIL
700+
Employment
Salaried, Self-Employed
Card Variant
Select
Scores
Rewards
24/100
Fees
92/100
Benefits
35/100
Access
57/100
2 Active Offers
Deals & Offers
Exclusive offers available on BOBCARD SELECT
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 BOBCARD SELECT
To be eligible, you need:
- • Min age: 21 years
- • Salaried: ₹480,000/month min
- • Self-employed: ₹480,000/month min
- • CIBIL: 700+ recommended
The annual fee is ₹750.
The fee can be waived by Waived on spending ₹70,000 or more in an anniversary year.
You earn 1 reward points per eligible transaction. Each point is worth approximately ₹0.20.
Welcome bonus: 500 bonus points on Rs.5,000 spend in 60 days on activation!
Redeem for flights, hotels, vouchers via Bank of Baroda rewards portal.
No complimentary lounge access. Consider a premium card for this benefit.
- • 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 BOBCARD SELECT today and unlock amazing rewards and premium experiences.
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