Cards / Bank of Baroda (BOBCARD)

Joining fee

₹1,000

Annual fee

₹1,000

Waiver spend

₹1,20,000

Forex markup

3.5%

Fee waiver

Spend ₹1,20,000 in a card year and the next annual fee is waived.

That is about ₹10,000 a month.

Work out what you still need to spend

Recent changes

• 25 August 2026Worse for you

  Complimentary air and non-air accidental death insurance is withdrawn for existing cardholders.

  Source

All card changes in 2026

Work it out for this card

How the app counts rewards

• 10 points per ₹100 on travel agents, dining and international (up to 2,000 points a month)
• 2 points per ₹100

No rewards on education, fuel, 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

• Salaried: income of ₹7,20,000 a year or more
• Self-employed: income of ₹7,20,000 a year or more

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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