What are the key benefits of the BOBCARD Premier Credit Card?

The BOBCARD Premier Credit Card offers 5X reward points on travel, dining, and international spends, complimentary domestic lounge access, and a fuel surcharge waiver.

Is the BOBCARD Premier Credit Card currently lifetime free?

Yes, the BOBCARD Premier Credit Card is currently available as a lifetime free card for a limited period, waiving the usual ₹1,000 joining and annual fees.

How do I earn reward points with the BOBCARD Premier Credit Card?

You earn 10 Reward Points per ₹100 on travel, dining, and international transactions, and 2 Reward Points per ₹100 on other eligible spends with the BOBCARD Premier Credit Card.

What is the value of 1 Reward Point on the BOBCARD Premier Credit Card?

Each Reward Point earned on the BOBCARD Premier Credit Card is worth ₹0.25 when redeemed as cashback, or can be used for various other redemptions.

Does the BOBCARD Premier Credit Card offer lounge access?

Yes, the BOBCARD Premier Credit Card provides 1 complimentary domestic airport lounge access every calendar quarter.

What are the charges for foreign currency transactions on the BOBCARD Premier Credit Card?

The BOBCARD Premier Credit Card applies a foreign currency markup of 3.5% on all international transactions.

How can I waive the annual fee for my BOBCARD Premier Credit Card?

The annual fee of the BOBCARD Premier Credit Card can be waived if you spend ₹1,20,000 in the preceding card anniversary year (when not lifetime free).

Does the BOBCARD Premier Credit Card provide any insurance benefits?

Yes, the BOBCARD Premier Credit Card includes a free Personal Accidental Death Cover of up to ₹50 Lakhs for air and ₹10 Lakhs for non-air travel.

Can the BOBCARD Premier Credit Card be linked to UPI?

Yes, the RuPay variant of the BOBCARD Premier Credit Card can be conveniently linked to UPI applications like Google Pay and PhonePe for payments.

What are the fuel surcharge benefits on the BOBCARD Premier Credit Card?

The BOBCARD Premier Credit Card offers a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹250 per statement cycle.

Bank of Baroda

BOBCARD Premier Credit Card

TravelDiningInternational Spends

Last updated: 16 November 2025

Benefits & Features

Explore key benefits designed to maximize your lifestyle

Welcome Offer

500 bonus reward points (worth ₹125) on spending ₹5,000 or more within 60 days of card issuance.

Rewards Rate

Earn 10 RP per ₹100 on Travel, Dining & International Spends; 2 RP per ₹100 on other eligible categories.

Reward Type

Reward Points

Reward Redemption

Redeem RP for cashback (1 RP = ₹0.25), flight/hotel bookings, shopping, products & gift vouchers.

Domestic Lounge Access

1 complimentary access per quarter, subject to ₹20,000 spend in preceding quarter from Jan 2025.

International Lounge Access

Not Applicable

Premium Benefits

Not Applicable

Insurance Coverage

Free Personal Accidental Death Cover: ₹50 Lakhs for air travel, ₹10 Lakhs for non-air.

Movie

Not Applicable

Dining

Earn 5X Rewards (10 RP per ₹100) on dining spends + access to mouthwatering culinary offers.

Travel Benefits

Earn 10 RP per ₹100 on travel spends, plus complimentary domestic lounge access and travel deals.

What matters, explained clearly

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Frequently Asked Questions

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