Cards / Bank of Baroda (BOBCARD)

Joining fee

₹500

Annual fee

₹350

Waiver spend

–

Forex markup

3.5%

Fee waiver

No spend-based waiver listed by the bank.

Work it out for this card

How the app counts rewards

• 16 points per ₹100 on AC and chair-car tickets on IRCTC (40 in peak travel windows)
• 4 points per ₹100 at department stores (up to 1,000 points a month)
• 2 points per ₹100

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

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

Bank of Baroda customers: ₹3 lakh salaried, ₹3.6 lakh self-employed. Four railway lounge visits a year (one a quarter)

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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