Cards / Bank of Baroda (BOBCARD)

Joining fee

₹500

Annual fee

₹500

Waiver spend

₹35,000

Forex markup

3.5%

Fee waiver

Spend ₹35,000 in a card year and the next annual fee is waived.

That is about ₹2,917 a month.

Work out what you still need to spend

Work it out for this card

How the app counts rewards

• 5 points per ₹100 at department stores (up to 1,000 points a month)
• 5 points per ₹100 on movies (up to 1,000 points a month)
• 1 point per ₹100 (transactions of ₹100 or more)

No rewards on education, fuel, groceries, insurance, rent, wallet loads.

Points

BOBCARD Reward Points, worth about ₹0.2 each on the usual redemption. Expire after 2 years.

Who can apply

• Salaried: income of ₹3,60,000 a year or more
• Self-employed: income of ₹4,80,000 a year or more

Bank of Baroda customers: ₹3 lakh salaried, ₹3.6 lakh self-employed. Page gives age as 21 to 65 and 25 to 55 in different places

Published minimums. Approval is the bank's decision.

Some values on this page are not yet confirmed against the bank's terms. Check the bank's own page before you rely on them.

Taken from the bank's page. Rules data version 2026.10.04.

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