Home / Bank of Baroda

BOBCARD Select

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

Join / Annual

₹0/₹750

Base Rate

1.0%

Reward Type

Points

Overview

The BOBCARD Select 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: ₹750
Eligibility: Minimum net annual income of ₹4.8 Lakhs.

Reward Rates & Cashback Rules

  • CATEGORY – Dining: 5.0% cashback | monthly cap ₹250.0 ⚠️ Accelerated rewards (4 extra points) are capped at 1,000 points per month, shared with Online spends.
  • ALL_ONLINE: 5.0% cashback | monthly cap ₹250.0 ⚠️ Accelerated rewards (4 extra points) are capped at 1,000 points per month, shared with Dining spends. Excludes fuel, rent, wallet loads, insurance, EMI, utilities, supermarket, and education fees.
  • CATEGORY – Hotels: 11.0% cashback | via BOBCARD SmartDeal ⚠️ Rate is 1 base point + 10 extra points per ₹100.
  • CATEGORY – Flights: 5.0% cashback | via BOBCARD SmartDeal ⚠️ Rate is 1 base point + 4 extra points per ₹100.
  • CATEGORY – Fuel: 0.0% cashback
  • CATEGORY – Rent: 0.0% cashback
  • CATEGORY – Wallet Load: 0.0% cashback
  • CATEGORY – Insurance: 0.0% cashback
  • CATEGORY – EMI: 0.0% cashback
  • CATEGORY – Utilities: 0.0% cashback ⚠️ Most utility payments are excluded, except for Telecom (MCC 4814) which earns base points.
  • CATEGORY – Grocery: 0.0% cashback ⚠️ Supermarket purchases are excluded from rewards.
  • CATEGORY – Education: 0.0% cashback ⚠️ Education fee payments are excluded from rewards.

Key Features & Benefits

  • Welcome Benefit 🎁: 500 bonus reward points on spending ₹5,000 within the first 60 days.
  • Monthly Milestone Bonus 🎯: 1,000 bonus reward points on completing 5 transactions of ₹1,000 or more in a statement cycle.
  • Fuel Surcharge Waiver ⛽: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹250 per statement cycle.
  • Insurance Cover 🛡️: Complimentary personal accidental death insurance cover up to ₹15 Lakhs (Air) and ₹5 Lakhs (Non-Air).
  • Add-on Cards 👨‍👩‍👧‍👦: Up to 3 lifetime free add-on cards for family members.

Eligibility Criteria

Minimum net annual income of ₹4.8 Lakhs.

Features & Benefits

🎁

Welcome Benefit

500 bonus reward points on spending ₹5,000 within the first 60 days.

🎯

Monthly Milestone Bonus

1,000 bonus reward points on completing 5 transactions of ₹1,000 or more in a statement cycle.

⛽

Fuel Surcharge Waiver

1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹250 per statement cycle.

🛡️

Insurance Cover

Complimentary personal accidental death insurance cover up to ₹15 Lakhs (Air) and ₹5 Lakhs (Non-Air).

👨‍👩‍👧‍👦

Add-on Cards

Up to 3 lifetime free add-on cards for family members.

Cashback Engine Rules

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

Dining
Reward: 5.0% Monthly Cap: ₹250.0
⚠️ Exceptions: Accelerated rewards (4 extra points) are capped at 1,000 points per month, shared with Online spends.
5%
All Online Spends
Reward: 5.0% Monthly Cap: ₹250.0
⚠️ Exceptions: Accelerated rewards (4 extra points) are capped at 1,000 points per month, shared with Dining spends. Excludes fuel, rent, wallet loads, insurance, EMI, utilities, supermarket, and education fees.
5%
Hotels Via BOBCARD SmartDeal
Reward: 11.0%
⚠️ Exceptions: Rate is 1 base point + 10 extra points per ₹100.
11%
Flights Via BOBCARD SmartDeal
Reward: 5.0%
⚠️ Exceptions: Rate is 1 base point + 4 extra points per ₹100.
5%
Fuel Exclusion
Rent Exclusion
Wallet Load Exclusion
Insurance Exclusion
EMI Exclusion
Utilities Exclusion
⚠️ Exceptions: Most utility payments are excluded, except for Telecom (MCC 4814) which earns base points.
Grocery Exclusion
⚠️ Exceptions: Supermarket purchases are excluded from rewards.
Education Exclusion
⚠️ Exceptions: Education fee payments are excluded from rewards.

Value Chart

Assuming basic spends for BOBCARD Select

Category BOBCARD Select Axis Bank Airtel Credit Card Flipkart Axis Bank Credit Card Axis Bank ACE Credit Card
₹
Joining Fee 		₹0 ₹0 ₹0 ₹0
₹
Annual Fee 		₹750 ₹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 		12 rules 13 rules 15 rules 12 rules

Pros & Cons

✓

Pros

  • + Dining — 5.0% Points (cap ₹250.0)
  • + All Spends — 5.0% Points (cap ₹250.0)
  • + Hotels — 11.0% Points
  • + Flights — 5.0% Points
  • + Welcome Benefit
  • + Monthly Milestone Bonus
  • + Fuel Surcharge Waiver
  • + Insurance Cover
✗

Cons

  • − No reward on Fuel
  • − No reward on Rent
  • − No reward on Wallet Load
  • − No reward on Insurance
  • −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

₹750

Net Value

+₹2250

✅ 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 joining and annual fees are both ₹750 + GST. The joining fee is waived on spending ₹7,500 in 60 days, and the annual fee is waived on spending ₹70,000 in a year.

You earn 5 points per ₹100 on Dining and Online spends (capped at 1,000 points/month) and 1 point per ₹100 on all other eligible spends. 1 Reward Point is valued at ₹0.25 for cashback.

No, the BOBCARD Select card does not come with any complimentary airport lounge access benefits.

No reward points are earned on Fuel, Rent, Wallet Loads, Insurance, EMI, most Utilities, Supermarket, and Education fee payments.

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