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Bank of Baroda Premier Credit Card
BOBCARD's travel card, a step up from the Select card with quarterly lounge access and 5X points on travel, dining and international spend. From 1 September 2026 the first year is free, then a ₹1,000 annual fee applies, waived on ₹1.2 lakh of spend in the previous card year. It earns 2.5% in the 5X categories (capped at 2,000 points a cycle) and 0.5% elsewhere, with points worth ₹0.25 each.
Annual fee
₹1,000
Joining fee
₹0
Reward type
points
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 dining, travel. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 0.5% base rate
- Domestic lounge access: 1 complimentary domestic airport lounge visit per quarter
Benefits by category
- 🍽️ Dining & food delivery
2.5% reward rate (capped ₹500/monthly) · 10 points per ₹100 (5X) on travel, dining and international spend, capped at 2,000 points per statement cycle; 2 points per ₹100 elsewhere; 1 point = ₹0.25 as cashback
- ✈️ Travel
2.5% reward rate (capped ₹500/monthly) · 1 complimentary airport lounge visit every quarter
- ⛽ Fuel
1% fuel surcharge waiver, capped at ₹250 per statement cycle
- 🌍 Forex / international spend
3% forex markup on international transactions
Eligibility
- Minimum credit score: 720
- Minimum monthly income: ₹60,000
- Employment: salaried, self-employed
- Age: 25–55
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹1,20,000
- Foreign currency markup: 3%
- Interest rate: 41.88% 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- Cash advance charges: 2.5% of the amount withdrawn, or ₹500, whichever is higher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
- 1 complimentary airport lounge visit every quarter
- 500 bonus reward points on ₹5,000 spend within 60 days of card issuance
- 10 points per ₹100 (5X) on travel, dining and international spend, capped at 2,000 points per statement cycle; 2 points per ₹100 elsewhere; 1 point = ₹0.25 as cashback
- 1% fuel surcharge waiver, capped at ₹250 per statement cycle
Pros
- + 5X points (2.5%) on travel, dining and international spend
- + Quarterly domestic lounge visit
- + Free first year; ₹1,000 fee waived on ₹1.2 lakh annual spend
Cons
- − Only one lounge visit a quarter
- − 5X earning capped at 2,000 points a statement cycle
- − No international lounge access
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