All cards / Bank of Baroda
Bank of Baroda Select
A public-sector-bank card marketed as lifetime-free (though the official page also lists spend-based fee-reversal language, an unresolved inconsistency), rewarding dining, utilities, and online spend with fuel getting a surcharge waiver only.
Rates and fees last verified 19 July 2026.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
1%
Card network
Visa
Card tier
Mid
Reward rates by category
- Dining5% (capped ₹200/monthly)
- Utilities5% (capped ₹200/monthly)
- Online shopping5% (capped ₹200/monthly)
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹30,000
- Employment: salaried, self-employed
- Age: 21–60
Benefits
- 1% fuel surcharge waiver, ₹400–₹5,000/transaction, capped ₹250/statement cycle
Pros
- + Marketed as lifetime free
- + Rewards dining, utilities, and online spend
- + Fuel surcharge waiver
Cons
- − Fuel spend earns no reward points, waiver only
- − Official page has conflicting fee language — confirm directly with the bank before applying
Applying takes you to Bank of Baroda's site. We may earn a commission if you're approved — see our disclaimer. Final terms and approval are solely at the issuer's discretion.