Cards / Bank of Baroda (BOBCARD)

Joining fee

₹499

Annual fee

₹499

Waiver spend

₹50,000

Forex markup

3.5%

Fee waiver

Spend ₹50,000 in a card year and the next annual fee is waived.

That is about ₹4,167 a month.

Work out what you still need to spend

Work it out for this card

How the app counts rewards

• 24 points per ₹150 on fuel at HPCL outlets, LPG and HP Pay (up to 1,000 points a month)
• 10 points per ₹150 on phone and DTH bills and department stores (up to 1,000 points a month)
• 2 points per ₹150 (transactions of ₹150 or more)

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

Airport lounges

• Domestic: 1 visit a quarter

Needs ₹20,000 spend in the previous calendar quarter

Points

BOBCARD Reward Points, worth about ₹0.25 each on the usual redemption. Expire after 2 years.

Who can apply

• Age 21 to 65
• Salaried: income of ₹3,60,000 a year or more
• Self-employed: income of ₹4,80,000 a year or more

Salaried 21 to 60, self-employed 24 to 65. Bank of Baroda customers: ₹3 lakh salaried, ₹3.6 lakh self-employed

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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