All cards / Bank of Baroda
Bank of Baroda Select
BOBCARD's online-shopping card. From 1 September 2026 it is no longer lifetime free: the first year costs nothing, then a ₹750 annual fee applies, waived if you spend ₹70,000 in the previous card year. It earns 5 points per ₹100 (about 1%) on online and dining spend, capped at 1,000 bonus points a cycle, and 1 point per ₹100 (0.2%) elsewhere, with points worth ₹0.20 each.
Annual fee
₹750
Joining fee
₹0
Reward type
points
Base reward rate
0.2%
Card network
Visa
Card tier
Mid
Who this card fits
Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in online shopping, dining. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 0.2% base rate
Benefits by category
- 🍽️ Dining & food delivery
1% reward rate (capped ₹200/monthly) · 5 points per ₹100 (5X) on online and dining spend, capped at 1,000 points per statement cycle; 1 point per ₹100 elsewhere; 1 point = ₹0.20 as cashback
- 🛡️ Insurance
Personal accident cover: ₹15 lakh (air) and ₹5 lakh (non-air)
- 🛍️ Shopping
1% reward rate (capped ₹200/monthly)
- ⛽ Fuel
1% fuel surcharge waiver on ₹400–₹5,000 transactions, capped at ₹250 per statement cycle (no reward points on fuel)
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹30,000
- Employment: salaried, self-employed
- Age: 25–55
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹70,000
- Foreign currency markup: 3.5%
- 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- Cash advance charges: 2.5% of the amount withdrawn, or ₹500, whichever is higher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
- 500 reward points on ₹5,000 spend within 60 days of card issuance
- 5 points per ₹100 (5X) on online and dining spend, capped at 1,000 points per statement cycle; 1 point per ₹100 elsewhere; 1 point = ₹0.20 as cashback
- 1% fuel surcharge waiver on ₹400–₹5,000 transactions, capped at ₹250 per statement cycle (no reward points on fuel)
- Personal accident cover: ₹15 lakh (air) and ₹5 lakh (non-air)
Pros
- + No joining fee and a free first year
- + 5X points on online shopping and dining
- + Annual fee waived on ₹70,000 a year of spend
Cons
- − No longer lifetime free: ₹750 a year from the second year unless you hit the spend target
- − Low 0.2% base rate, and the 5X pool is capped at 1,000 points a cycle
- − Fuel earns no points, only a surcharge waiver