Bank of Baroda Credit Cards
Choose from Bank of Baroda's diverse credit card range offering rewards, travel benefits, and shopping perks.
BOB Eterna Credit Card
Annual Fee
₹2499
APR
42%
Joining Fee
₹2499
Cash Advance
2.5%
Why Choose This Card
The BOB Eterna Credit Card offers lucrative reward points, travel perks like unlimited lounge access, and exciting dining and movie benefits. Additionally, you can enjoy insurance coverage, milestone rewards, and a host of lifestyle offers, making it a great choice for individuals who shop, dine, and travel frequently.
Reward Benefits
15 reward points for every ₹100 spent on dining, movies, shopping, travel, and international transactions.
3 reward points for every ₹100 spent on other categories.
Milestone rewards: 10,000 bonus points for spending ₹50,000 in 60 days, 20,000 bonus points for spending ₹5 lakh annually.
Pros
- Earn 15 reward points for every ₹100 spent on dining, shopping, travel, movies, and international transactions.
- Unlimited domestic lounge access.
- Complimentary Fitpass membership worth ₹15,000.
- Special discounts at 250+ restaurants and luxury hotels.
- Buy 1 Get 1 movie tickets offer on Paytm Movies.
Cons
- Joining and annual fee of ₹2,499 + taxes.
- Foreign transaction fee of 2%.
- High APR of 42%.
BOB Select Credit Card
Annual Fee
₹0
APR
45%
Joining Fee
₹0
Cash Advance
2.5%
Why Choose This Card
The BOB Select Credit Card provides excellent reward benefits like 5X rewards on online dining spends, a 1% fuel surcharge waiver, and additional features like zero fraud liability. With no annual or joining fee and attractive fee reversal benefits, it's an ideal choice for shoppers and reward seekers.
Reward Benefits
5X reward points on online dining spends (₹100 = 5 points).
1 reward point for every ₹100 spent on other categories.
Max reward points capped at 1,000 points per month.
No reward points on fuel transactions.
Pros
- Earn 5X reward points on online dining spends.
- No annual or joining fees.
- 1% fuel surcharge waiver on eligible transactions.
- Up to 3 add-on cards for family members.
- Zero fraud liability on lost cards.
- Capped reward points for online shopping and dining.
Cons
- Foreign transaction fee of 3.5%.
- Maximum reward points capped at 1,000 per month.
- No reward points on fuel transactions.
BOB Premier Credit Card
Annual Fee
₹1000
APR
42%
Joining Fee
₹1000
Cash Advance
2.5%
Why Choose This Card
The BOB Premier Credit Card is a great choice for frequent travelers, diners, and shoppers, offering 5X rewards on travel, dining, and international purchases. With benefits like quarterly airport lounge access, fuel surcharge waivers, and rewards redemption options, it stands out for those who enjoy a premium lifestyle.
Reward Benefits
Earn 5X reward points on travel, dining, and international purchases (₹100 = 5 points).
Earn 2 reward points for every ₹100 spent on other categories.
Reward points capped at 2,500 points per month.
Pros
- Earn 5X reward points on travel, dining, and international purchases.
- Quarterly free airport lounge access.
- 1% fuel surcharge waiver for transactions between ₹400 and ₹5,000.
- Zero fraud liability on lost or stolen cards.
- Up to 3 free add-on cards for family members.
- Reward points capped at 2,500 points per month.
Cons
- Foreign transaction fee of 3.5%.
- Annual fee of ₹1,000 + taxes.
- Joining fee of ₹1,000 + taxes.
- Reward points capped at 2,500 points per month.
BOB Easy Credit Card
Annual Fee
₹0
APR
NaN%
Joining Fee
₹0
Cash Advance
2.5%
Why Choose This Card
The BOB Easy Credit Card is an ideal choice for individuals looking for easy access to rewards with no annual or joining fees. It offers attractive rewards on grocery, retail, and fuel purchases and comes with flexible repayment options. The contactless payment feature and EMI conversion make it a convenient and cost-effective option for everyday use.
Reward Benefits
Earn 5x reward points on grocery and retail store purchases.
Earn 1 reward point for every ₹100 spent on other purchases.
500 reward points for spending ₹5,000 within 60 days of card issuance.
Reward points capped at 1,000 per month for select categories.
Pros
- Earn 5x reward points on groceries and retail store purchases.
- No annual or joining fees.
- 1% fuel surcharge waiver on fuel transactions between ₹400 and ₹5,000.
- 0.5% cashback on bill payments under select MCCs.
- Up to 3 lifetime free add-on cards for family members.
- Flexible repayment options with interest-free credit up to 50 days.
Cons
- Foreign transaction fee of 3.5%.
- Reward points capped at 1,000 per month on select categories.
- 1% fuel surcharge waiver capped at ₹250 per statement cycle.
BOBCARD Tiara Credit Card
Annual Fee
₹2499
APR
NaN%
Joining Fee
₹2499
Cash Advance
NaN%
Why Choose This Card
Designed for women, this card offers a blend of lifestyle, travel, dining, entertainment, and health & wellness benefits, making it a comprehensive choice for various spending needs.
Reward Benefits
15 reward points for every ₹100 spent on dining, travel, and international purchases.
3 reward points for every ₹100 spent on other categories.
Pros
- Unlimited complimentary domestic airport lounge access upon meeting spend criteria.
- Complimentary annual memberships to platforms like Amazon Prime, Disney+ Hotstar, Gaana Plus, Swiggy One, and Fitpass Pro.
- Exclusive health and wellness benefits tailored for women.
- Accelerated reward points on dining, travel, and international spends.
Cons
- No international lounge access.
- Reward points redemption value is relatively low at 1 RP = ₹0.25.
- Capping on accelerated (5X) reward points.
- No reward points on fuel transactions.
BOBCARD Corporate Credit Card
Annual Fee
₹0
APR
NaN%
Joining Fee
₹0
Cash Advance
NaN%
Why Choose This Card
Designed to streamline business expenses, this card offers interest-free credit, expense tracking, and travel benefits, making it ideal for corporate financial management.
Reward Benefits
Earn reward points on eligible spends.
Pros
- Up to 50 days of interest-free credit.
- Personalized card with corporate name embossing.
- Categorized employee spending statements for efficient tracking.
- Complimentary domestic airport lounge access.
- Comprehensive insurance coverage.
Cons
- Reward program not applicable on select Merchant Category Codes (MCCs) and fuel.
- Specific eligibility criteria for corporates.
BOBCARD Empower Credit Card
Annual Fee
₹250
APR
41.88%
Joining Fee
₹0
Cash Advance
2.5%
Why Choose This Card
Tailored for proprietors and self-employed individuals, this card offers efficient management of business expenses with rewards on every spend and affordable fees.
Reward Benefits
1 reward point for every ₹100 spent on retail transactions.
Pros
- No joining fee.
- Affordable annual fee with easy waiver on achieving spend milestones.
- Unlimited reward points on all retail spends.
- 1% fuel surcharge waiver.
Cons
- No complimentary lounge access.
- Reward points not earned on fuel transactions.
- Limited premium benefits compared to higher-tier business cards.
BOBCARD Prime Credit Card
Annual Fee
₹0
APR
39%
Joining Fee
₹0
Cash Advance
2.5%
Why Choose This Card
Ideal for individuals seeking a secured credit card with zero documentation, offering rewards on all spends, no annual fees, and guaranteed issuance against a fixed deposit.
Reward Benefits
2 Reward Points per ₹100 spent on all retail transactions.
Pros
- Guaranteed issuance against a fixed deposit of ₹15,000 or more without income proof.
- Lifetime free card with zero joining and annual fees.
- Earn reward points on all retail spends.
- 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000.
Cons
- Requires a fixed deposit to avail the card.
- Reward points not earned on fuel transactions.
- Limited premium benefits compared to unsecured credit cards.