All cards / Bank of Baroda
Bank of Baroda
Bank of Baroda Classic Credit Card
RuPay
Bank of Baroda Classic Credit Card
BoB's most basic RuPay card, distinct from its Select/Premier/Eterna lineup — a simple entry product for retail banking customers wanting their first credit card.
Annual fee
₹500
Joining fee
₹0
Reward type
points
Base reward rate
0.5%
Card network
RuPay
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in fuel. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 0.5% base rate
- Domestic lounge access: None
- International lounge access: None
Benefits by category
- ⛽ Fuel
1% fuel surcharge waiver at all fuel stations across India on transactions between ₹400 and ₹5,000, capped monthly
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹15,000
- Employment: salaried, self-employed
- Age: 21–65
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹60,000
- Foreign currency markup: 3.5%
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹250 per statement cycle
- Cash advance charges: 2.5% of the amount withdrawn, or ₹500, whichever is higher
Benefits
- 1% fuel surcharge waiver at all fuel stations across India on transactions between ₹400 and ₹5,000, capped monthly
Pros
- + No joining fee
- + Fuel surcharge waiver
- + Straightforward fee waiver on modest annual spend
Cons
- − Reward rate is flat and low
- − No lifestyle or travel perks
- − Overshadowed by BoB's own higher-tier cards in value