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BOBCARD One Credit Card

✍️ Fact-checked by Parash Editorial • 🔄 Updated June 2026
Bank of Baroda Visa Entry 🛡️ Metal Card

Annual Fee

₹0

Base Rate

2.0%

Reward Type

Points

Overview

The BOBCARD One Credit Card is a Entry credit card issued by Bank of Baroda on the Visa network. It offers a base reward rate of 2.0% on all spends, with rewards issued as Points(1 pt = ₹0.1).

Annual Fee: Lifetime Free
Eligibility: Minimum age 18 years. Relaxed eligibility for both salaried and self-employed individuals. CIBIL score of 700+ is preferred but not mandatory.

Reward Rates & Cashback Rules

  • CATEGORY – All Spends: 2.0% cashback ⚠️ Does not apply to Fuel, Rent, Wallet Loads, and EMI transactions.
  • CATEGORY – Fuel: 0.0% cashback ⚠️ No reward points are accrued on fuel transactions.
  • CATEGORY – Rent: 0.0% cashback ⚠️ Rent payments do not earn reward points and may incur a fee.
  • CATEGORY – Wallet Load: 0.0% cashback ⚠️ Wallet loads do not earn reward points and may incur a fee above a certain threshold.
  • CATEGORY – EMI: 0.0% cashback ⚠️ Transactions converted to EMI do not earn reward points.

Key Features & Benefits

  • 5X Accelerated Rewards ⭐: Earn 5X reward points (10 points per ₹100) on your top 2 spending categories each month. Incremental rewards are capped at 25,000 points per month.
  • Fuel Surcharge Waiver ⛽: 1% fuel surcharge waiver on transactions at all fuel stations, capped at ₹400 per calendar month.
  • Low Forex Markup 🌍: 1% foreign currency markup fee on all international transactions.
  • Lifetime Free 🎉: This card has no joining fee and no annual renewal fee.

Eligibility Criteria

Minimum age 18 years. Relaxed eligibility for both salaried and self-employed individuals. CIBIL score of 700+ is preferred but not mandatory.

Features & Benefits

⭐

5X Accelerated Rewards

Earn 5X reward points (10 points per ₹100) on your top 2 spending categories each month. Incremental rewards are capped at 25,000 points per month.

⛽

Fuel Surcharge Waiver

1% fuel surcharge waiver on transactions at all fuel stations, capped at ₹400 per calendar month.

🌍

Low Forex Markup

1% foreign currency markup fee on all international transactions.

🎉

Lifetime Free

This card has no joining fee and no annual renewal fee.

Cashback Engine Rules

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

All Spends
Reward: 2.0%
⚠️ Exceptions: Does not apply to Fuel, Rent, Wallet Loads, and EMI transactions.
2%
Fuel Exclusion
⚠️ Exceptions: No reward points are accrued on fuel transactions.
Rent Exclusion
⚠️ Exceptions: Rent payments do not earn reward points and may incur a fee.
Wallet Load Exclusion
⚠️ Exceptions: Wallet loads do not earn reward points and may incur a fee above a certain threshold.
EMI Exclusion
⚠️ Exceptions: Transactions converted to EMI do not earn reward points.

Value Chart

Assuming basic spends for BOBCARD One Credit Card

Category BOBCARD One 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 		2.0% 1.0% 1.0% 1.5%
★
Known Rules 		5 rules 13 rules 15 rules 12 rules

Pros & Cons

✓

Pros

  • + All Spends — 2.0% Points
  • + 5X Accelerated Rewards
  • + Fuel Surcharge Waiver
  • + Low Forex Markup
  • + Lifetime Free
✗

Cons

  • − No reward on Fuel — No reward points are accrued on fuel transactions.
  • − No reward on Rent — Rent payments do not earn reward points and may incur a fee.
  • − No reward on Wallet Load — Wallet loads do not earn reward points and may incur a fee a
  • − No reward on EMI — Transactions converted to EMI do not earn reward points.
  • −Forex markup of 3.5% on international spends

Our Verdict

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

Est. Annual Rewards

₹6000

Annual Fee

₹0

Net Value

+₹6000

✅ 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

The BOBCARD One is a lifetime-free credit card, meaning it has no joining fee and no annual fee.

You earn 1 reward point for every ₹50 spent (2 points per ₹100) on all categories. Additionally, you get 5X points on the top 2 spending categories each month.

No, reward points are not earned on fuel transactions. However, the card offers a 1% fuel surcharge waiver, capped at ₹400 per month.

The card has a low foreign currency markup fee of 1% on international transactions, which is lower than the industry standard of 3.5%.

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