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BOBCARD Swavlamban Credit Card

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

Join / Annual

₹0/₹250

Base Rate

4.0%

Reward Type

Points

Overview

The BOBCARD Swavlamban Credit Card is a Entry credit card issued by Bank of Baroda on the Visa network. It offers a base reward rate of 4.0% on all spends, with rewards issued as Points(1 pt = ₹0.25).

Annual Fee: ₹250
Eligibility: Applicant must be between 21 and 65 years of age with a CIBIL score of 700 or above.

Reward Rates & Cashback Rules

  • CATEGORY – All Other Spends: 4.0% cashback | monthly cap ₹200.0 ⚠️ Capped at 800 points per statement cycle. Excludes Fuel, EMI, Wallet Loads, and Rent.
  • CATEGORY – Fuel: 0.0% cashback
  • CATEGORY – EMI: 0.0% cashback
  • CATEGORY – Wallet Load: 0.0% cashback
  • CATEGORY – Rent: 0.0% cashback ⚠️ A processing fee of 1% of the transaction amount is levied on all rent payment transactions.

Key Features & Benefits

  • Fuel Surcharge Waiver ⛽: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 at all fuel stations in India, capped at ₹250 per statement cycle.
  • Free Add-on Cards 👨‍👩‍👧‍👦: Up to 3 lifetime free add-on cards for family members above the age of 18.
  • Easy EMI Conversion 🔄: Convert purchases above ₹2,500 into EMIs of 6 to 36 months.
  • Accidental Insurance 🛡️: Complimentary personal accidental death insurance cover.

Eligibility Criteria

Applicant must be between 21 and 65 years of age with a CIBIL score of 700 or above.

Features & Benefits

⛽

Fuel Surcharge Waiver

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

👨‍👩‍👧‍👦

Free Add-on Cards

Up to 3 lifetime free add-on cards for family members above the age of 18.

🔄

Easy EMI Conversion

Convert purchases above ₹2,500 into EMIs of 6 to 36 months.

🛡️

Accidental Insurance

Complimentary personal accidental death insurance cover.

Cashback Engine Rules

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

All Other Spends
Reward: 4.0% Monthly Cap: ₹200.0
⚠️ Exceptions: Capped at 800 points per statement cycle. Excludes Fuel, EMI, Wallet Loads, and Rent.
4%
Fuel Exclusion
EMI Exclusion
Wallet Load Exclusion
Rent Exclusion
⚠️ Exceptions: A processing fee of 1% of the transaction amount is levied on all rent payment transactions.

Value Chart

Assuming basic spends for BOBCARD Swavlamban Credit Card

Category BOBCARD Swavlamban 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 		₹250 ₹500 ₹500 ₹499
🌍
Forex Markup 		3.5% 3.5% 3.5% 3.5%
%
Base Rate 		4.0% 1.0% 1.0% 1.5%
★
Known Rules 		5 rules 13 rules 15 rules 12 rules

Pros & Cons

✓

Pros

  • + All Other Spends — 4.0% Points (cap ₹200.0)
  • + Fuel Surcharge Waiver
  • + Free Add-on Cards
  • + Easy EMI Conversion
  • + Accidental Insurance
✗

Cons

  • − No reward on Fuel
  • − No reward on EMI
  • − No reward on Wallet Load
  • − No reward on Rent — A processing fee of 1% of the transaction amount is levied o
  • −Forex markup of 3.5% on international spends

Our Verdict

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

Est. Annual Rewards

₹12000

Annual Fee

₹250

Net Value

+₹11750

✅ 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 card offers 4 reward points for every ₹100 spent on most categories, which is equivalent to a 1% reward rate. The earning is capped at 800 points per statement cycle. No points are given for fuel, rent, EMI, or wallet load transactions.

The card has a joining and annual fee of ₹250 each. The joining fee is reversed on spending ₹2,500 within 60 days, and the annual fee is waived if you spend ₹12,000 in the previous year.

Each reward point earned on the BOBCARD Swavlamban card is worth ₹0.25 when redeemed.

Yes, it offers a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000. The waiver is capped at ₹250 per statement cycle.

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