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BOBCARD Corporate Credit Card

✍️ Fact-checked by Parash Editorial • 🔄 Updated May 2026
Bank of Baroda Visa Entry

Annual Fee

₹0

Base Rate

1.0%

Reward Type

Points

Overview

The BOBCARD Corporate Credit Card is a Entry credit card issued by Bank of Baroda on the Visa network. It offers a base reward rate of 1.0% on all spends, with rewards issued as Points(1 pt = ₹0.25).

Annual Fee: Lifetime Free
Eligibility: Applicants must have an existing relationship with Bank of Baroda (e.g., CC/OD facility, Current Account, or Fixed Deposit).

Reward Rates & Cashback Rules

  • CATEGORY – Utilities: 1.0% cashback ⚠️ Applies to Telecom services (MCC 4814).
  • CATEGORY – Fuel: 0.0% cashback ⚠️ Fuel transactions are excluded from earning reward points.
  • CATEGORY – Rent: 0.0% cashback ⚠️ A fee of 1% of the transaction amount is levied on rent payments (MCC 6513). No rewards are earned.
  • CATEGORY – EMI: 0.0% cashback ⚠️ Transactions converted to EMI do not earn reward points.
  • CATEGORY – Wallet Load: 0.0% cashback ⚠️ Wallet load transactions do not earn reward points.

Key Features & Benefits

  • Fuel Surcharge Waiver ⛽: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹100 per statement.
  • Insurance Cover 🛡️: Zero liability on fraudulent transactions and complimentary personal accidental death cover.
  • Interest-Free Credit ⏳: Up to 50 days of interest-free credit period.
  • EMI Facility 💳: Convert transactions over ₹2,500 into easy EMIs.

Eligibility Criteria

Applicants must have an existing relationship with Bank of Baroda (e.g., CC/OD facility, Current Account, or Fixed Deposit).

Features & Benefits

⛽

Fuel Surcharge Waiver

1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹100 per statement.

🛡️

Insurance Cover

Zero liability on fraudulent transactions and complimentary personal accidental death cover.

⏳

Interest-Free Credit

Up to 50 days of interest-free credit period.

💳

EMI Facility

Convert transactions over ₹2,500 into easy EMIs.

Cashback Engine Rules

The exact calculator logic parameters extracted from the terms & conditions.

Utilities
Reward: 1.0%
⚠️ Exceptions: Applies to Telecom services (MCC 4814).
1%
Fuel Exclusion
⚠️ Exceptions: Fuel transactions are excluded from earning reward points.
Rent Exclusion
⚠️ Exceptions: A fee of 1% of the transaction amount is levied on rent payments (MCC 6513). No rewards are earned.
EMI Exclusion
⚠️ Exceptions: Transactions converted to EMI do not earn reward points.
Wallet Load Exclusion
⚠️ Exceptions: Wallet load transactions do not earn reward points.

Value Chart

Assuming basic spends for BOBCARD Corporate Credit Card

Category BOBCARD Corporate Credit Card Axis Bank Airtel Credit Card Flipkart Axis Bank Credit Card Axis Bank ACE Credit Card
₹
Joining Fee 		₹0 ₹0 ₹0 ₹0
₹
Annual Fee 		₹0 ₹500 ₹500 ₹499
🌍
Forex Markup 		3.5% 3.5% 3.5% 3.5%
%
Base Rate 		1.0% 1.0% 1.0% 1.5%
★
Known Rules 		5 rules 13 rules 15 rules 12 rules

Pros & Cons

✓

Pros

  • + Utilities — 1.0% Points
  • + Fuel Surcharge Waiver
  • + Insurance Cover
  • + Interest-Free Credit
  • + EMI Facility
✗

Cons

  • − No reward on Fuel — Fuel transactions are excluded from earning reward points.
  • − No reward on Rent — A fee of 1% of the transaction amount is levied on rent paym
  • − No reward on EMI — Transactions converted to EMI do not earn reward points.
  • − No reward on Wallet Load — Wallet load transactions do not earn reward points.
  • −Forex markup of 3.5% on international spends
  • −Relatively low base reward rate of 1.0%

Our Verdict

₹ Real Value Calculation (assumed ₹3L/year spend)

Est. Annual Rewards

₹3000

Annual Fee

₹0

Net Value

+₹3000

✅ At ₹3L/year spend, base rewards alone cover the fee. Additional benefits like lounge access add further value.

👍 Best For

  • › First-time credit card users looking to build credit
  • › Low-to-medium spenders wanting simple cashback

👎 Not Worth It If…

  • › You spend heavily in foreign currency — 3.5% markup adds up fast
  • › You rarely use premium benefits like lounges or concierge
  • › You prefer a no-annual-fee card with simpler terms

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Frequently Asked

This is a lifetime free card with no joining or annual fees.

You earn 1 reward point for every ₹100 spent on most purchases. Some specific merchant categories may earn at a lower rate.

Yes, a 1% fuel surcharge waiver is available for transactions between ₹400 and ₹5,000, with a maximum waiver of ₹100 per statement.

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