All cards / Bank of Baroda
BOBCARD One Credit Card
Bank of Baroda's take on the OneCard-style numberless metal credit card, issued lifetime-free through BOBCARD and managed entirely from a mobile app. It automatically accelerates rewards on whichever two categories a cardholder spends most on that month, similar to other OneCard-family co-brands already in the market.
Annual fee
₹0
Joining fee
₹0
Reward type
cashback
Base reward rate
0.5%
Card network
Visa
Card tier
Mid
Who this card fits
Best suited to applicants with a credit score of roughly 720+ whose spend is concentrated in online shopping, dining. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Rewards rate: 0.5% base rate
Benefits by category
- 🌍 Forex / international spend
Reduced 1% forex markup on international transactions. · 1% forex markup on international transactions
Eligibility
- Minimum credit score: 720
- Minimum monthly income: ₹25,000
- Employment: salaried, self-employed
- Age: 21–60
Fees & charges
- Foreign currency markup: 1%
- Interest rate: 45% p.a.
- 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- Cash advance charges: 2.5% of the amount withdrawn, or ₹500, whichever is higher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
- 5X reward points (instantly redeemable in the OneCard app) on your top two spend categories each month.
- Reduced 1% forex markup on international transactions.
- Numberless metal card design with the cardholder's name engraved, managed fully via the OneCard app.
Pros
- + Lifetime free metal card
- + Auto-detected 5X categories based on spending pattern
- + Low 1% forex markup
- + Fully app-based management and instant rewards
Cons
- − Low flat base reward rate outside top categories
- − Requires the OneCard-style app for full functionality
- − No airport lounge access
Best for