Cards / Bank of Baroda (BOBCARD)

Joining fee

₹2,499

Annual fee

₹2,499

Waiver spend

₹2,50,000

Forex markup

2%

Fee waiver

Spend ₹2,50,000 in a card year and the next annual fee is waived.

That is about ₹20,833 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  Complimentary air and non-air accidental death insurance is withdrawn for existing cardholders.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

• 15 July 2026Worse for you

  Finance charges rise from 3.25% to 3.75% a month.

  Source

• 15 July 2026Worse for you

  Domestic lounge access now needs Rs 75,000 spend in the preceding quarter, up from Rs 40,000.

  Source

All card changes in 2026

Work it out for this card

How the app counts rewards

• 15 points per ₹100 on dining, travel agents and international (up to 5,000 points a month)
• 3 points per ₹100

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

Airport lounges

• Domestic: Unlimited visits

Unlimited domestic visits after ₹75,000 spend in the previous calendar quarter

Points

BOBCARD Reward Points, worth about ₹0.25 each on the usual redemption.

Who can apply

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

Card for women; age 25 to 55

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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