BOBCARD One Credit Card
Updated 3 Jul 2026Source-linked
The BOBCARD One Credit Card is a premium co-branded credit card from Bank of Baroda and OneCard, with a joining fee of ₹0 + GST.
It earns up to 5 pts per ₹100 (≈0.5% value) on OneCard spends in the form of reward points (points).
BOBCARD One Credit Card
- Joining FeeFree
- Annual FeeFree
- Best Suited ForCo-brand rewards
- Reward TypeReward Points (points)
Rewards Rate
- 5 pts per ₹100 on top 2 spend categories
- Base 0.10% on other spends
Welcome Benefits
- Not applicable
Rewards and Benefits
Rewards Rate
5 pts per ₹100 on top 2 spend categories
Base 0.10% on other spends.
Reward Redemption
OneCard Rewards: Instant redemption via OneCard app; zero redemption fee or minimum threshold.
Welcome Benefits
N/A
Milestone Rewards
N/A
Domestic Lounge Access
N/A
International Lounge Access
N/A
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
Other Benefits
N/A
Fees & Charges
Spend-Based Waiver
Not waivable
Rewards Redemption Fee
N/A
Foreign Currency Markup
1.00%
Interest Rates
3.49% per month (41.9% annualised)
Fuel Surcharge Waiver
N/A
Cash Advance Charges
2.5% or ₹500 (whichever is higher)
Product Details
- Co-branded premium card by Bank of Baroda and OneCard.
- Lifetime free — no joining or annual fee.
- Available on the Visa network.
Pros & Cons
Pros
- Lifetime-free — no joining or annual fee.
- Low forex markup of 1.00% — suited to international spends.
Cons
- No rewards on fuel spends.
- No complimentary airport lounge access.
Accelerated rewards
- 5 pts per ₹100 on top 2 spend categories5X reward points on the cardholder's top 2 spend categories (dynamic). Points credited instantly, never expire; redeemable in the OneCard app with no fee/threshold.
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- insurance premiums
- emi
Sources
- : www.bobcard.co.in · retrieved 3 Jul 2026
Last verified 3 Jul 2026. Verify with the issuer before applying.
Eligibility
- Age
- 21–60
- Credit score
- 750+
- Income (salaried)
- ₹12,00,000 p.a.
- Income (self-employed)
- ₹12,00,000 p.a.