BOBCARD Premier Credit Card
The BOBCARD Premier Credit Card is a mid credit card from Bank of Baroda, with a joining fee of ₹1,000 + GST.
It earns up to 10 pts per ₹100 (≈1.8% value) on travel international dining spends in the form of reward points (points).
Cardholders get 1 quarterly domestic airport lounge access, plus 500 bonus reward points as a welcome benefit.
- Joining Fee₹1,000
- Annual Fee₹1,000
- Best Suited ForTravel
- Reward TypeReward Points (points)
- 10 pts per ₹100 on travel international dining (cap 2000 points / statement)
- Base 0.36% on other spends
- 500 bonus reward points
BoBplatinummidRewards and Benefits
- Add-on cards — Up to 3 lifetime-free add-on cards for spouse, parents, siblings or kids (18+).
See the math — accelerations & caps
What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.
- Dining & food delivery₹144/mo
You spend ₹8,000 · earns 1.8% = ₹144 uncapped
- Capped at ₹360/mo
- Valued at realized redemption value
- Travel & hotels₹180/mo
You spend ₹10,000 · earns 1.8% = ₹180 uncapped
- Capped at ₹360/mo
- Valued at realized redemption value
Base-rate spend
Non-accelerated spend, summarized at this card's base rate.
- Online shopping₹15,000 · 0.4% = ₹54/mo
- Groceries₹8,000 · 0.4% = ₹29/mo
- Fuel₹4,000 · 0.0% = ₹0/mo
- Utilities & bills₹5,000 · 0.4% = ₹18/mo
₹5,098 rewards − ₹0 annual fee. Estimate for the spend you entered.
Fees & Charges
Product Details
- mid card issued by Bank of Baroda.
- Joining / annual fee of ₹1,000 + GST, waived on annual spends of ₹1,20,000.
- Available on the Visa network.
- Complimentary airport lounge access: domestic (1/quarterly).
Pros & Cons
- Annual fee waivable on ₹1,20,000 spend.
- Complimentary domestic airport lounge access (1/quarterly).
- Standard forex markup of 3.50% — suboptimal for international spend.
- No rewards on fuel spends.
₹125 welcome benefit
- 500 bonus reward pointsSpend ₹5,000 or more within 60 days of issuanceWindow: 60 days from issuance.
Accelerated rewards
- 10 pts per ₹100 on travel international dining (cap 2000 points / statement)
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- insurance premiums
- emi
Airport lounge access
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹400 and ₹5,000, capped at ₹250 per monthly.
Other benefits
- Add-on cards. Up to 3 lifetime-free add-on cards for spouse, parents, siblings or kids (18+).
Sources
- : www.bobcard.co.in · retrieved 3 Jul 2026
Last verified 3 Jul 2026. Verify with the issuer before applying.
Eligibility
- Age
- 25–55
- Credit score
- 720+
- Income (salaried)
- ₹7,20,000 p.a.
- Income (self-employed)
- ₹7,20,000 p.a.